Search found 1783 matches

by vested1
Sun Sep 15, 2019 5:07 am
Forum: Personal Consumer Issues
Topic: Vehicle idle stop-start when parking
Replies: 54
Views: 3635

Re: Vehicle idle stop-start when parking

I have a 2019 Hyundai Santa fe with this feature, and it's marketed as being fuel efficient, not as a safety feature. I hate it, and wonder why the feature wasn't designed to be off as a default, rather than on. Sure, you can push a button to deactivate it during the time the engine is running, but ...
by vested1
Sat Sep 14, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expense Equity State-To-State
Replies: 11
Views: 834

Re: Living Expense Equity State-To-State

An interesting anecdote about AAA insurance in SC and apparently in most other southern States as well: Although the southern States share the name they are like completely different companies, by their own choice. They can't look up your policy from the previous non-southern State and it works that...
by vested1
Sat Sep 14, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expense Equity State-To-State
Replies: 11
Views: 834

Re: Living Expense Equity State-To-State

Additionally, with respect to your comments regarding regulation, have you had an opportunity to explore the statistics with respect to violent crime per capita in the area you moved from compared to the area in which you currently live? If so, would you mind sharing your conclusions? Whether I wil...
by vested1
Sat Sep 14, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expense Equity State-To-State
Replies: 11
Views: 834

Re: Living Expense Equity State-To-State

Good summary of SC. I would add that SC income tax is based on Federal taxable income rather than adjusted gross income (which is the way many, but not all, States do it). I also might quibble with your comment about dodging hurricanes. Perhaps you are not on the coast. It seems like an annual even...
by vested1
Sat Sep 14, 2019 7:40 am
Forum: Personal Finance (Not Investing)
Topic: social security benefit - confused about choosing start date
Replies: 32
Views: 2502

Re: social security benefit - confused about choosing start date

Vested1 said: "For example, the relatives of someone who dies at the end of July have to pay back the June benefit to SS that was paid on the second or third Wednesday of July. This always struck me as unnecessarily cruel at a time of grieving." That's not true. Here is what the SSA says in https:/...
by vested1
Sat Sep 14, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Living Expense Equity State-To-State
Replies: 11
Views: 834

Living Expense Equity State-To-State

Like many others, I thought I had done my research on the vagaries of taxation in States where my wife and I were considering moving to for retirement. As it turns out, I was consuming all the positive information provided and missing the rest. Articles on the best States for retirement concerning t...
by vested1
Sat Sep 14, 2019 6:26 am
Forum: Personal Finance (Not Investing)
Topic: social security benefit - confused about choosing start date
Replies: 32
Views: 2502

Re: social security benefit - confused about choosing start date

I’m looking at a somewhat similar situation and have a question. In the example cited above, and assuming that OP earns enough other income that his SS benefits are taxable, would OP have 11 months or 12 months of taxable SS income in 2020? I expect that the answer is 11 months, since that’s the nu...
by vested1
Thu Sep 12, 2019 3:01 am
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 54
Views: 3649

Re: Calling all iPhone SE Bogleheads

My wife's SE functioned better than my 5S, until my 5S died a couple weeks ago and I got an IPhone 7. We recently moved to a house with spotty cell coverage from Verizon, and use the Wi-Fi on our 200 mg internet connection to make and receive calls in and around the house. The Wi-Fi improved recepti...
by vested1
Thu Sep 05, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 8448

Re: Best college towns in the Southeastern US for retirees?

Hurricane Dorian should be reminding folks that coastal areas of the Southeast may not be the greatest locations for a peaceful retirement -- climate experts are advising that in the future hurricanes are likely to become larger and more damaging. A relative of mine just bought a retirement home in...
by vested1
Thu Sep 05, 2019 5:28 am
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 8448

Re: Best college towns in the Southeastern US for retirees?

We just moved from California to South Carolina and found that our cost of living has actually stayed about the same. You do get a break on State income tax if you're a senior, about half of what you get in Georgia. There are a few things about taxation that may surprise someone who hasn't done thei...
by vested1
Thu Aug 29, 2019 6:19 am
Forum: Personal Finance (Not Investing)
Topic: What makes your dream house so special?
Replies: 41
Views: 3117

Re: What makes your dream house so special?

Our dream comes true tomorrow at closing when we pick up the keys. Lake front home with a covered dock and boat lift. Plenty of room for visiting friends and family by doubling the square footage of our previous home, great access to healthcare, friendly neighbors, private large lot. Completely remo...
by vested1
Sat Aug 24, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 64
Views: 5032

Re: Social Security replacement annuity -- Is there such a product?

Here's the SS replacement annuity that I found meets our needs. Apparently it's most common to take SS benefits at 62. As the spouse with the larger SS benefit, I've decided to delay my SS until 70 . [...] I'm surprised this response, which I think was the one that best answered the question, seeme...
by vested1
Sat Aug 24, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 64
Views: 5032

Re: Social Security replacement annuity -- Is there such a product?

You seem quite convinced that you have a better solution than mine, yet you only provide hand waving arguments. Let's make this real. Show me the numbers, including life insurance and annuity costs with verifiable current prices , with scenarios where the first spouse dies at various points in time...
by vested1
Sat Aug 24, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 64
Views: 5032

Re: Social Security replacement annuity -- Is there such a product?

Here's the SS replacement annuity that I found meets our needs. Apparently it's most common to take SS benefits at 62. As the spouse with the larger SS benefit, I've decided to delay my SS until 70. My SS benefit next year, at 70, will be 132% of my PIA, or 176% of what I would have collected if I ...
by vested1
Fri Aug 23, 2019 2:25 am
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 13
Views: 1197

Re: Is it worth sealing half a fence?

If you are going to seal the fence do both sides, but if it's new I would wait about 6 months to let the wood dry or the sealant will trap the moisture in the wood and cause the boards to warp. The natural moisture in the wood needs a path to escape. On the subject of sealing only one side, I had an...
by vested1
Tue Aug 20, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Risk associated with house value declining?
Replies: 34
Views: 1891

Re: Risk associated with house value declining?

OP, It depends on whether you have a recourse loan or a non-recourse loan. For a non-recourse loan, you just walk away from the house. You do not need to short-sell. KlangFool Interesting, I hadn't known about "recourse" and "non-recourse" loans, https://www.investopedia.com/terms/r/recourse-loan.a...
by vested1
Mon Aug 19, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help with SS calculation
Replies: 6
Views: 374

Re: Help with SS calculation

If you go to anypia https://www.ssa.gov/oact/anypia/download.html you will be able to fill in remaining years past your projected retirement date with zeroes to get a good estimate of what your PIA (benefit at full retirement age) benefit will be. This will not take COLA adjustments into account how...
by vested1
Sat Aug 17, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Derogatory remark on Credit report
Replies: 37
Views: 4779

Re: Derogatory remark on Credit report

Excuse the hijack, but this drives me crazy. My credit score was in the mid 800's until it dropped to 780 because of two hard credit inquiries (per Transunion's explanation), one from a dealership where we shopped for a used truck but didn't buy one, and the other from a dealership where we leased ...
by vested1
Fri Aug 16, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6586

Re: Neighbor's FIOS cable running over my yard

The last thing that a utility company wants is a call from the PUC. Yes, I agree with this. About a year ago, I had an issue where neighbors of mine were trying to run a phone line across my property to serve theirs, even though they didn't need to as they had street frontage. They claimed that an ...
by vested1
Fri Aug 16, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6586

Re: Neighbor's FIOS cable running over my yard

This is a GO-95 violation, which is a federal regulation that requires certain clearances over various categories of land, among other things. https://www.cpuc.ca.gov/gos/GO95/go_95_rule_54_8.html "Residential Premises: Over private driveways or lanes or other private property areas accessible to ve...
by vested1
Fri Aug 16, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 26395

Re: Social Security -- Take it at 62, 67 or 70

I’m curious if this would be informative: Price out SPIA at age 62 such that payout = your SS benefit at 62 Do this for 63 to 70, adjusting the premium each year such that the payout = SS amount What type of returns would you need to keep up with the SPIA payment? What would be the point? As a way ...
by vested1
Thu Aug 15, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3295

Re: Family Practice going member only Pros & Cons?

+1 I have been preaching this for years. The problem is the entitlement mentality and how we want medical "insurance" to pay for every little thing. Can you imagine how expensive your auto insurance would be if they had to pay for oil changes? Insurance increases costs to the system by adding anoth...
by vested1
Thu Aug 15, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Proof of finance in vanguard
Replies: 16
Views: 1876

Re: Proof of finance in vanguard

If you log into the Vanguard site and browse to Balances and Holdings , select that tab at the top of the base titled Confirmations , you should see text that says Create Account Valuation Report . Run that report. I think it will provide what you need for the purpose you describe. They may need to...
by vested1
Thu Aug 15, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Proof of finance in vanguard
Replies: 16
Views: 1876

Re: Proof of finance in vanguard

We just went through this with accounts at Fidelity and Vanguard. I assume this is to prove you are capable of financing or paying cash for something, such as a house. In our case it was the cash purchase of a house with proceeds from the sale of our previous home, which had been deposited at Fideli...
by vested1
Thu Aug 15, 2019 4:28 am
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3295

Re: Family Practice going member only Pros & Cons?

I had a PCP for over 20 years, definitely not the best, but one that would take our insurance. When he transitioned to MDVIP he wanted $3,600 a year for my wife and I to retain the privilege of being his patient. Same spiel you hear elsewhere, reducing the patient count to 600, individual care, Blah...
by vested1
Mon Aug 12, 2019 4:04 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 26395

Re: Social Security -- Take it at 62, 67 or 70

For me, our delay of SS gives us more options, not less. Once claimed, the amount received is no longer an option unless you suspend within 12 months and pay it all back. It's also somewhat speculative to state with conviction what you are going to do if you don't currently have the opportunity to a...
by vested1
Sun Aug 11, 2019 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Received a $17,000 medical bill! Can we negotiate?
Replies: 91
Views: 9711

Re: Received a $17,000 medical bill! Can we negotiate?

I never thought I would say this but, I'm glad me and DW are going to be on Medicare soon. Our health system is a wreck. Medicare plus a Medigap policy is a wonderful thing. Now if I weren't still paying thousands of dollars a year for prescriptions despite having a Plan D and if there were real de...
by vested1
Sun Aug 11, 2019 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Received a $17,000 medical bill! Can we negotiate?
Replies: 91
Views: 9711

Re: Received a $17,000 medical bill! Can we negotiate?

How bad can it get? A close family member had her 2nd child prematurely, checking into a hospital that had been removed from network without her being informed right before she checked in. She had serious complications, as did her child, and both had to stay in the hospital for several weeks. When t...
by vested1
Sun Aug 11, 2019 5:03 am
Forum: Personal Consumer Issues
Topic: Santa Fe lane centering vs. Ford Co-Pilot
Replies: 25
Views: 1387

Re: Santa Fe lane centering vs. Ford Co-Pilot

We have a 2019 Hyundai Santa Fe UL. I've never turned on the "active" lane keeping function and honestly didn't even know it existed. I did turn off the traction control because it took control too often for seemingly no reason, as well as the feature that steers you back into the lane if you cross ...
by vested1
Sat Aug 10, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Verizon Network Extender
Replies: 13
Views: 611

Re: Verizon Network Extender

I got tired of my 5S turning itself off and went out and bought an Iphone 7. I was told I don't need the extender now because both my wife's 5SE and my new phone can connect to WiFi at our new house, whereas the 5S wasn't capable of it. Thanks for the advice, I just saved $250.
by vested1
Sat Aug 10, 2019 6:07 am
Forum: Personal Consumer Issues
Topic: Verizon Network Extender
Replies: 13
Views: 611

Re: Verizon Network Extender

mancich wrote:
Sat Aug 10, 2019 5:41 am
You can buy one right from Verizon. It is expensive, though. The Samsung shown on the page below is $250

https://www.verizonwireless.com/product ... -boosters/
From what I understand, a signal booster is different than a signal extender, with the extender being more expensive and capable.
by vested1
Sat Aug 10, 2019 6:06 am
Forum: Personal Consumer Issues
Topic: Verizon Network Extender
Replies: 13
Views: 611

Re: Verizon Network Extender

How’s your WiFi signal strength. You can set your phone to use WiFi Calling. We have very spotty cell service indoors (and out), but have strong WiFi signals. I would not waste money on a 4G extender; I’d improve the WiFi signal and use WiFi Calling. ETA: I think you need at least iOS 8 for WiFi Ca...
by vested1
Sat Aug 10, 2019 5:36 am
Forum: Personal Consumer Issues
Topic: Verizon Network Extender
Replies: 13
Views: 611

Verizon Network Extender

This dinosaur and his wife have an Iphone 5S and an Iphone 5SE. Coverage is spotty in our new house, which seems common here. All other carriers also have weak signals. I would like recommendations on a network extender that will be be connected to our high speed internet, which increases data speed...
by vested1
Wed Aug 07, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1768

Re: Pontoon Boat Recommendations?

HomerJ wrote:
Wed Aug 07, 2019 8:55 am
We have a 24' Misty Harbor Tritoon with a 175 hp Suzuki outboard.

No problems pulling skiers or tubes. Tritoons are much better for choppy water... How active is your lake?
The lake is pretty active but there's plenty of room to do anything we'd like to do. I
by vested1
Mon Aug 05, 2019 11:26 pm
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1768

Re: Pontoon Boat Recommendations?

goblue100 wrote:
Mon Aug 05, 2019 8:02 am
I can't help with a boat review, but I have your theme song:

https://www.youtube.com/watch?v=V0O0nzkESTI

:happy
Sorry, couldn't watch it. The women all look like my daughters.
by vested1
Mon Aug 05, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1768

Re: Pontoon Boat Recommendations?

Thanks for the replies. The only Sylvan I saw so far that was set up for fishing was a 2019 22 footer with a center console. I would prefer the helm on the side, as most of them are. To tell you the truth I feel like a kid in a candy store, but every time I bring up boats my wife rolls her eyes. I'm...
by vested1
Mon Aug 05, 2019 4:35 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1768

Re: Pontoon Boat Recommendations?

Thanks for the reply. I was at a Sun Tracker dealer who told me that the maximum HP motor for the 22' fishing barge pontoon I was looking at, Mercury 150, was the best choice. Another dealer at a Bentley dealership told me that I should never get a 150 HP motor with a pontoon because it would never ...
by vested1
Mon Aug 05, 2019 3:52 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1768

Pontoon Boat Recommendations?

I'll save everyone some time reading or posting the same tired responses on boat threads: "The best part of boat ownership is the day you buy it and the day you sell it." "A boat is a hole in the water that you pour money into." Now that we got that out of the way I would ask those who want to comme...
by vested1
Sun Aug 04, 2019 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Derogatory remark on Credit report
Replies: 37
Views: 4779

Re: Derogatory remark on Credit report

Excuse the hijack, but this drives me crazy. My credit score was in the mid 800's until it dropped to 780 because of two hard credit inquiries (per Transunion's explanation), one from a dealership where we shopped for a used truck but didn't buy one, and the other from a dealership where we leased a...
by vested1
Sat Aug 03, 2019 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?
Replies: 58
Views: 5230

Re: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?

If I were in your shoes I would much rather be paying myself the interest than paying it to the bank in the form of a mortgage. Your saving rate is already good, so I would buy the new house with cash and add to current investments in the amount of what you were previously paying in P&I, virtually "...
by vested1
Thu Aug 01, 2019 5:16 am
Forum: Investing - Theory, News & General
Topic: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?
Replies: 189
Views: 18602

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

We are at 60/40 in our index only portfolio and plan on increasing equity after I file for my own benefit at age 70, which will add over 30k to fixed income. We plan on increasing the percentage of equity gradually after full SS kicks in, by about 1% per year until reaching 70/30 at my age 80, and ...
by vested1
Mon Jul 29, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 7481

Re: My Fido retirement meeting pushing me to SMA

... They took advantage of me by convincing me to go with their PAS service, apparently now called SMA, ... PAS and SMA are two entirely different products offered by Fidelity. Basically they have 3 levels of portfolio management: Fidelity Go -- robo product available with no minimum PAS (Portfolio...
by vested1
Mon Jul 29, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 7481

Re: My Fido retirement meeting pushing me to SMA

2. If something should happen to me my wife would be far more comfortable with a brick and mortar firm that houses all of our finances. She's not comfortable using online banking either, something we're working on. If this situation should arise, do you have confidence that Fidelity will not do the...
by vested1
Mon Jul 29, 2019 3:40 am
Forum: Investing - Theory, News & General
Topic: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?
Replies: 189
Views: 18602

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

I only read the first 2 pages of responses but have noticed that there is only discussion based on the sustainability of the portfolio, ignoring income needed to meet expenses in retirement. Determining the optimal AA would be far more critical if the portfolio were the only source of income. While ...
by vested1
Mon Jul 29, 2019 2:40 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 7481

Re: My Fido retirement meeting pushing me to SMA

I don't get the appeal of having physical offices nearby. I would far prefer to do everything online, after hours, from the comfort of my home. Anything I might do face to face at the office will then disappear into the bureaucracy, be handled by other nameless people I will never meet and move fro...
by vested1
Mon Jul 29, 2019 2:20 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 7481

Re: My Fido retirement meeting pushing me to SMA

I had a 401k that was managed by Fidelity when I was working. It seemed logical to me that when I retired I should leave the funds at Fidelity because I trusted them and had been doing business with them for so long. I didn't really understand the fees I was paying for the 401k, nor was I aware of t...
by vested1
Fri Jul 26, 2019 6:25 am
Forum: Personal Finance (Not Investing)
Topic: First Home Purchase - Disagreement on Appraisal Contingency
Replies: 81
Views: 3473

Re: First Home Purchase - Disagreement on Appraisal Contingency

Our home sold a few weeks ago at about 45k over comps in a HCOL area. Our asking price was 35k over comps. The buyer put down 55% and upped his bid by 3k after finding out there were other competing offers. I was surprised to learn from my realtor that the house still needed to appraise for the aski...
by vested1
Sat Jul 20, 2019 3:52 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 15011

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

Individual circumstances can differ greatly but living in a VHCOL area has worked out well for us. Ten years ago, we bought a home in the Bay Area and locked in our housing cost. Just about all the other spending categories offer inexpensive alternatives so that a person can maintain a nice lifesty...
by vested1
Fri Jul 19, 2019 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 222
Views: 15011

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

Individual circumstances can differ greatly but living in a VHCOL area has worked out well for us. Ten years ago, we bought a home in the Bay Area and locked in our housing cost. Just about all the other spending categories offer inexpensive alternatives so that a person can maintain a nice lifesty...
by vested1
Fri Jul 19, 2019 3:50 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 13963

Re: House not appraising for amount we were offered!

I have/had a great agent. She has a lot of experience and is the top performer in the county. She knows all of the appraisers on the list which is used by the lenders. In order to treat the appraisers on the list fairly they are assigned by the lenders in order on some master list maintained by the ...