Search found 111 matches

by stan_the_man
Mon Aug 06, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Ten days in Australia
Replies: 17
Views: 1441

Re: Ten days in Australia

It's been 17 years since my 3+ week trip to Australia and New Zealand. My best advice for 10 days is to not pack too many places into the trip. At most I would do the Sydney area and one other area. As some have mentioned that Australia is about the size of the U.S. and some of it's most well-known ...
by stan_the_man
Sat Jun 02, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: College Laptop Security lock
Replies: 12
Views: 972

Re: College Laptop Security lock

I work for a college bookstore. We sell laptops. We used to sell locks. We still stock them, but they aren't big sellers. Most of them need a "Kensington Security Slot" for the lock to attach. None of the Macs have this now. There are Mac locks of various types available. In the past, we sold a kit...
by stan_the_man
Sat Apr 07, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7267

Re: Tequila and Magaritas

I'm a margarita guy. I make mine with 2 parts 100% agave tequila, 1 part fresh lime juice, 1 part orange liqueur, and a splash of agave syrup for sweetness. For the tequila, note that the base level branded stuff like Jose Cuervo and Sauza is only 50% agave. You're better off buying even a store br...
by stan_the_man
Sat Apr 07, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: College freshman shopping—what don’t we need?
Replies: 45
Views: 3138

Re: College freshman shopping—what don’t we need?

Laundry Supplies — Hamper, detergent, dryer sheets, etc. If your kid doesn’t know how to do laundry, don’t wait to teach them until you drop them off. I’ve seen parent do that. Small Supply of Cleaning Supplies — A few rolls of paper towel and a multi surface cleaner. Bedding Towels — 2-3 should wor...
by stan_the_man
Sat Jan 13, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 4587

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

One thing to note is that in this situation there would be no individual responsibility tax (individual mandate penalty) under the ACA. The reason is that you can have a "less than three consecutive months" gap in coverage before the penalty would kick in. For the purpose of the penalty, having insu...
by stan_the_man
Sat Jan 13, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 4587

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

Hmm. According to this article: http://www.mymoneyblog.com/cobra-and-retroactive-health-insurance-coverage.html "You have 60 days after you lose your benefits to elect to pay for COBRA coverage. However, even if you enroll on Day 60, your coverage is retroactive to Day 1. Of course, you’ll have to ...
by stan_the_man
Sat Jan 13, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Telematics and Auto Insurance
Replies: 13
Views: 992

Re: Telematics and Auto Insurance

These devices are primarily concerned with total miles driven, time of day and deceleration ("hard braking"). Last time I checked, all of the insurers claimed that they don't use GPS location data -- though that may have changed. I think most people seeing max discounts are people who don't commute ...
by stan_the_man
Sat Jan 13, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2368

Re: [Lightning rods for my house? Or too "old fashioned"?

In the 1990's my parents had lightning rods put on their midwest house after the next door neighbors house was struck by lighting and had major damage. A few years before another house a block or two away had also been struck by lighting but only had very minor damage. You could call your insurance...
by stan_the_man
Sat Jan 13, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bank offering 0.25% off mortgage interest for asset transfer
Replies: 24
Views: 2630

Re: Bank offering 0.25% off mortgage interest for asset transfer

If the account is taxable, I would be worried about losing cost basis information. That could be costly.
by stan_the_man
Mon Dec 18, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: CD perks
Replies: 13
Views: 1965

Re: CD perks

Back in the 90s, it wasn't uncommon for local community banks and S&Ls to match or beat each other's CD rates. One three-branch S&L would give my parents their 1 year rate on 6 month CDs, 2 year rate on 1 year CDs, etc. Another offered to match other banks. Another would call a couple weeks before t...
by stan_the_man
Fri Nov 24, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Employer changing 401(k) terms
Replies: 12
Views: 1734

Re: Employer changing 401(k) terms

If the match is related to 2017, you are eligible to receive it. It doesn't matter if you terminate employment in 2018. This was not my experience with a previous employer. They matched 4% of employer's salary in the 401K account throughout the year, and then you would get another 2% only in March ...
by stan_the_man
Fri Nov 17, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 22
Views: 4720

TSP Modernization Act Signed Into Law

I know that we have some federal employees and retirees here that are interested in this. http://www.govexec.com/pay-benefits/2017/11/trump-signs-tsp-modernization-act-law/142658/ Details: http://www.govexec.com/pay-benefits/2017/10/house-approves-tsp-modernization-bill/141711/ "...would allow feder...
by stan_the_man
Sun Nov 05, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on buying a car wash? Good investment or is there a catch?
Replies: 46
Views: 5139

Re: What are your thoughts on buying a car wash? Good investment or is there a catch?

As mentioned above, you're buying a part-time job.

Vacuums needs to emptied, change machine restocked, landscaping kept up with, equipment tested/maintained, property cleaned, etc.

I'd expect that this part-time job to be 4-20 hours per week.
by stan_the_man
Sun Oct 29, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Air Bag Claim notice from Takata (TK Holdings)
Replies: 14
Views: 2828

Re: Air Bag Claim notice from Takata (TK Holdings)

DrGoogle2017 wrote:
Sun Oct 29, 2017 9:58 am
I fixed the airbag on one car, Honda. The other car was not fixed and that’s the one I filled out the Class action form. In fact,IIRC, I only got one form for the Toyota, not the Honda which I’ve already fixed.
That's because Honda has not yet settled the class action lawsuit.
by stan_the_man
Sun Oct 29, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 2401

Re: PA Speeding Ticket?

You might be able to beat the ticket based on the fact that the speed limit must be posted every 1/2 mile to be enforceable: http://www.legis.state.pa.us/cfdocs/legis/LI/consCheck.cfm?txtType=HTM&ttl=75&div=0&chpt=33&sctn=62&subsctn=0 § 3362. Maximum speed limits. (a) General rule.--Except when a sp...
by stan_the_man
Sun Oct 22, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund "share price"
Replies: 22
Views: 1406

Re: Mutual Fund "share price"

I agree that mutual fund share price is meaningless -- since you can buy fractional shares. On the other hand, share price does matter for ETFs (Exchange Traded Funds), since you typically can't buy fractional shares and spreads (difference between what a share is sold and purchased for) are typical...
by stan_the_man
Fri May 19, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 6523

Re: Funny Letter [Canceling Escrow Account]

Judging from my own experience of legal writing correspondence and media releases, the boring letter was drafted by their legal team.
by stan_the_man
Sat Sep 10, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 6084

Re: map frustration

First, answering OP's question. You can expand the collapsed directions by clicking on the print icon. (Below are directions for a real place I've been from a city I've never lived in.) https://i.imgur.com/ivcC2S3.png Second, the Waze app is much better than the default iPhone maps and Google maps.
by stan_the_man
Sat Jul 11, 2015 9:31 am
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 10103

Re: Suze Orman Show Summary

My wife and I would treat the How Am I Doing? and Can I Afford It? segments as a game and try to predict Suze Orman's response.

That made the show much more entertaining.
by stan_the_man
Tue Jul 30, 2013 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Learning More About 403(b)s
Replies: 1
Views: 295

Learning More About 403(b)s

What can one read to learn more about 403(b) plans than is currently in our Wiki?
by stan_the_man
Fri May 10, 2013 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: When to lower condo regime fee?
Replies: 4
Views: 860

Re: When to lower condo regime fee?

I know this sounds more complicated, but I would keep the dues the same and try to rebate the excess dues on a regular basis (maybe once a year).

If you lower the dues, it may make people budget to that new lower amount and cause issues when you need to raise them again in the future.
by stan_the_man
Wed May 01, 2013 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: The Points Guy
Replies: 37
Views: 5163

Re: The Points Guy

gerrym51 wrote:i go to disney world every year(own disney vacation club). i have disney visa card that gives me disney dollars based on purchases . i buy park passes with this money
That card is simply a1% card -- which are a dime a dozen. Even worse, you're restricted in just using your points on Disney stuff.
by stan_the_man
Sun Apr 21, 2013 11:06 pm
Forum: Personal Consumer Issues
Topic: Looking for advice on Wine.
Replies: 33
Views: 3071

Re: Looking for advice on Wine.

The PLCB state store system for the most part provides a pretty poor selection when it comes to wine. If you have a Premium Collection or Outlet store nearby, you might have more options in terms of price, range and quality. http://www.finewineandgoodspirits.com/webapp/wcs/stores/servlet/FindStoreVi...
by stan_the_man
Sun Apr 21, 2013 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Starting Fidelity Brokerage Acct & Fidelity Amex CC
Replies: 12
Views: 2285

Re: Starting Fidelity Brokerage Acct & Fidelity Amex CC

I have a Cash Management Card with $1 in it for use with the Fidelity Amex.
by stan_the_man
Sun Apr 14, 2013 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard pull credit
Replies: 11
Views: 5928

Re: Does Vanguard pull credit

PenFed pulls credit (Equifax, I think) to join, but then they don't pull credit again when you apply for a credit card, etc., unless you then start applying for everything they've got, and they're starting to get a bit uneasy about you. A credit pull only affects your FICO scores for a year, althou...
by stan_the_man
Fri Mar 29, 2013 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Fraud Dept called me. Closed cc account
Replies: 24
Views: 6450

Re: Capital One Fraud Dept called me. Closed cc account

Does the simultaneous closing and opening of an old CC and new CC number oo the same account have any effect on credit score? When this happened to me, it did not seem to have an effect. They kept the same account age and credit limit on the new number. When I pulled credit reports in later years, ...
by stan_the_man
Thu Mar 28, 2013 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing in IRA account with Vanguard. Need help
Replies: 4
Views: 766

Re: First time investing in IRA account with Vanguard. Need

1. You should review the Vanguard site for instructions. You will need to open an IRA account if you don't have one. 2. The IRA should work in concert with the rest of your investments. 3. Most likely, a solo 401(k) would be the best approach. However, you have provided little in the way of details...
by stan_the_man
Thu Mar 28, 2013 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card with High Limit (Work Reimbursement)
Replies: 23
Views: 3416

Re: Best Credit Card with High Limit (Work Reimbursement)

I would get a Chase Business card that uses UltimateRewards points -- maybe all of them do now? They are very valuable when flying and when redeeming for cash/giftcards are 1:1. As a backup I would carry an Amex card. These two companies also have something in common besides rewards: the ability to...
by stan_the_man
Thu Mar 28, 2013 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card with High Limit (Work Reimbursement)
Replies: 23
Views: 3416

Re: Best Credit Card with High Limit (Work Reimbursement)

Another kink, I'm about two years out from getting a mortgage How much would this affect my credit score? I wouldn't feel completely comfortable giving you a FIRM answer, so take this with a grain of salt. I started whoring credit cards about a year ago. My credit score went from a 798 two years ag...
by stan_the_man
Thu Mar 28, 2013 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Should I Terminate Whole Life Policies?
Replies: 26
Views: 3282

Re: Should I Terminate Whole Life Policies?

First, can you afford to keep up with the premiums? If you can't, get replacement insurance ASAP and cash out. Second, get an updated set of illustrations. After you own a whole life policy long enough, Sometimes the IRR is high enough to make it a worthwhile fixed-income investment going forward. T...
by stan_the_man
Thu Mar 21, 2013 9:14 pm
Forum: Personal Consumer Issues
Topic: Daycare closing for 1 day (no power) Claim credit?
Replies: 35
Views: 2596

Re: Daycare closing for 1 day (no power) Claim credit?

wilked wrote:If I paid $150 a week I would be doing backflips, not writing notes :o
Ditto!
by stan_the_man
Sat Mar 16, 2013 6:33 pm
Forum: Forum Issues and Administration
Topic: We Need A Hide Post Option
Replies: 2
Views: 1230

We Need A Hide Post Option

That would make browsing the boards so much more efficient.
by stan_the_man
Wed Mar 06, 2013 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k) - What does the ideal match and vesting look like?
Replies: 11
Views: 2973

Re: 401(k) - What does the ideal match and vesting look like

FWIW -- Low plan expenses are more important to me than if there is a match at all. Why? Nearly any match would offset nearly any of the higher fund expenses. My wife just got out of a plan with an average ER of over 3% -- with no match too boot. Matches change more often than bad plans do: ING Ind...
by stan_the_man
Tue Mar 05, 2013 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k) - What does the ideal match and vesting look like?
Replies: 11
Views: 2973

Re: 401(k) - What does the ideal match and vesting look like

As an employee, immediate vesting of matches is the only thing I want to see. If I was an employer, I might want to use the longest vesting schedule to reduce plan costs and employee turnover. As far as matches go, the standard 100% to 3% and 50% for the next 2% is okay but I'd prefer to see a great...
by stan_the_man
Sun Mar 03, 2013 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K options - 0% Expense Ratio?
Replies: 12
Views: 2220

Re: Fidelity 401K options - 0% Expense Ratio?

Another possibility for very low expenses is forfeited employer matches. If the vesting schedule is long, and the company has robust turnover, there could be a lot of money in the plan that is no longer tied to its original participant.
by stan_the_man
Tue Feb 19, 2013 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is $2M umbrella enough for $200K income + no assets?
Replies: 31
Views: 4496

Re: Is $2M umbrella enough for $200K income + no assets?

OP should take into account their relatively young ages; you don't need assets to be on the losing end, they can go after your future wages. Depending on your occupation and what you do for "fun", I'd be hesistant to recommend anything less than $1MM in umbrella plus a healthy amount of liability o...
by stan_the_man
Sat Jan 19, 2013 6:53 pm
Forum: Investing - Theory, News & General
Topic: How are you investing your tax refund?
Replies: 51
Views: 3877

Re: How are you investing your tax refund?

I always have too much withheld. I look forward to getting big refunds every year. It is a forced savings. If I don't see the money throughout the year, I don't spend it. You can do the same by creating a new direct deposit instruction for your employer -- most company payroll processors allow you ...
by stan_the_man
Sun Nov 25, 2012 11:49 pm
Forum: Personal Consumer Issues
Topic: Speeding ticket out of state
Replies: 59
Views: 6994

Re: Speeding ticket out of state

It's not worth paying an attorney here.

If it's worth your time, appear and ask the officer for a plea bargain for a violation of statute 3111(a) -- Obedience to traffic-control devices -- this ticket is a minor ticket in Pennsylvania, carries no points, and would cost you $110+trial fee.
by stan_the_man
Sun Nov 04, 2012 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is Needed to Get Free HD Channels on TV?
Replies: 23
Views: 2330

Re: What is Needed to Get Free HD Channels on TV?

I don't have one and mine works just fine. It's necessary to have the TV scan for the available channels. Did you do that? Yes, I did the channel scan from the TV set-up menu and of course, 0 stations were found. I live in Washington, DC. I looked on Wikepedia under the acronym for the converter th...
by stan_the_man
Sat Nov 03, 2012 1:12 pm
Forum: Personal Consumer Issues
Topic: propane vs kerosene heater
Replies: 3
Views: 958

Re: propane vs kerosene heater

I believe propane heaters run much cleaner. I'd pair one of these with a CO (Carbon Monoxide) detector .
by stan_the_man
Sun Oct 28, 2012 1:26 am
Forum: Personal Finance (Not Investing)
Topic: $400k "Lasered Employee" on our Group Health Plan -
Replies: 27
Views: 3780

Re: $400k "Lasered Employee" on our Group Health Plan -

I don't know the answer, so I will ask what others may be thinking as well: Does the insurer tell the employer which employee is "lasered"? Or is it left to the employer to figure this out based on employee communication with supervisor, vacation/sick leave patterns, or water cooler gossip? Setting...
by stan_the_man
Thu Oct 25, 2012 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA Indirect Rollover
Replies: 7
Views: 1014

Re: SEP-IRA Indirect Rollover

In the event Ally requires the Medallian, you can order the distribution and roll it over within 60 days - as long as you have not done another indirect rollover from the SEP IRA within the last 12 months. There is only one rollover allowed within a 12 month period per IRA account, and that include...
by stan_the_man
Sun Oct 07, 2012 4:29 pm
Forum: Personal Consumer Issues
Topic: robbed by strong arm and pickpockets in Rome and Venice
Replies: 63
Views: 11482

Re: robbed by strong arm and pickpockets in Rome and Venice

Several years ago, my wife had her purse grabbed in just a few seconds in a restaurant in Italy. She had it on the back of her chair. She got a shrug from the waiter. My wife thought he was more concerned about how she would pay the bill. In Chile we've seen chairs in some restaurants with anti-the...
by stan_the_man
Sat Sep 29, 2012 11:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Do you know your Klout score?
Replies: 13
Views: 1897

Re: Do you know your Klout score?

Klout scores are more or less a measure of your influence and network strength in social media. It's by no means a perfect measurement, but it's a used and well talked about measurement.
by stan_the_man
Sun Sep 23, 2012 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to my wife's health insurance?
Replies: 25
Views: 2415

Re: Switch to my wife's health insurance?

Just remember, that you have a very small window each year to make the change (called an "open enrollment period") without having a qualifying life event (generally a birth, death, or marriage), or loss of coverage.
by stan_the_man
Sun Sep 09, 2012 11:18 pm
Forum: Personal Consumer Issues
Topic: wedding photos and hi-res digital images
Replies: 53
Views: 4632

Re: wedding photos and hi-res digital images

it's uncommon for good, established wedding photographers to give you the the raw files or even full-resolution files, for the same reason that most of the good ones in the past didn't give you the negatives. I appreciate this (and am encountering it!) But shouldn't the market produce some establis...
by stan_the_man
Sun Sep 09, 2012 11:16 pm
Forum: Personal Consumer Issues
Topic: wedding photos and hi-res digital images
Replies: 53
Views: 4632

Re: wedding photos and hi-res digital images

[...] technically the photographer has intellectual property rights to the photographs he or she takes. Is this somehow not negotiable? Ex-post, sure, I'm toast. That's why I am thinking about this now. Work for hire -- that's the technical term for what you are asking for. One important thing to r...
by stan_the_man
Wed Sep 05, 2012 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Wacky FICO scores
Replies: 30
Views: 3040

Re: Wacky FICO scores

Let's clear up some misconceptions: 1) You currently have a really good score -- which should qualify for the best rates. 2) You went from an exceptional score to a really good score. 3) Everything that happened to your score is within the expected for the report changes. 4) Scorewatch (SW) is a gre...
by stan_the_man
Fri Aug 31, 2012 12:23 am
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 45
Views: 7002

Re: So much for the 2% Cash Back Sallie Mae Visa card

I better redeem soon then. Actually, the way I read the new terms, bonus points earned before the transition will get transferred to the new Barclays MasterCard and can then be redeemed for statement credit at a rate of $0.01/point (with a minimum redemption of 2,500 points) . That's a better rate ...
by stan_the_man
Sat Aug 25, 2012 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Confused about HSAs and High Deductible Plans
Replies: 12
Views: 1350

Re: Confused about HSAs and High Deductible Plans

My wife and I are contemplating switching from her traditional gold plated and expensive plan to a high deductible plan offered by my employer. I've been doing lot of reading and research but there are a couple of points that I am not 100% clear about. 1. My employer offers a reasonably good high d...