Search found 4916 matches

by stan1
Thu Nov 16, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 82
Views: 5170

Re: Has used furniture dropped in value dramatically?

We cleared out my mom's house in 2013. She lived in a rural, frugal area where garage sales are still very popular. We gave a few items to people who had worked in her house (cleaning lady). Everything else was set out for a garage sale priced at $10-30. Most everything went and the rest was donated...
by stan1
Wed Nov 15, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 29
Views: 1411

Re: How do you stop junk mail?

The USPS has to come to my house every day to see if I have any outgoing mail (at least to drive by, I have a flag for outgoing mail). UPS, FedEx, Amazon, and others only come to my house if I have a delivery. I have outgoing mail maybe once or twice a month these days and legitimate first class mai...
by stan1
Wed Nov 15, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Complaint Escalation [at Vanguard - how to?]
Replies: 6
Views: 1035

Re: Complaint Escalation [at Vanguard - how to?]

I'd call the toll free Flagship number 800-345-1344 and tell them you aren't happy with how a situation is being handled and request escalation. Can you elaborate on the nature of the complaint? With specific information you might get better advice. Unclear to us whether your concerns are related to...
by stan1
Tue Nov 14, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 29
Views: 1411

Re: How do you stop junk mail?

A number of years ago we did a permanent opt out from "optoutprescreen.com". This site is run by our dear "friends" at the Big 4 credit bureaus in order to comply with the Fair Credit Reporting Act mandate for a credit card and insurance offer opt out process. Because they make money selling your da...
by stan1
Mon Nov 13, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with daughters first investments
Replies: 12
Views: 684

Re: Help with daughters first investments

Roth IRA with Vanguard Target Retirement 2065 in it. Start her out with simplicity not complexity.

This teaches her about : indexing, low cost, asset classes, reducing risk as one gets closer to retirement.
by stan1
Sun Nov 12, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 2827

Re: Paying off Home mortgage, partner doubts?

OneWorld111 wrote:
Sun Nov 12, 2017 3:41 pm
Finally, its better to ask for forgiveness then permission.
Oh gosh, not with my spouse or my boss for that matter.
by stan1
Sun Nov 12, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 1030

Re: Investing HOA reserve money?

Sandtrap wrote:
Sun Nov 12, 2017 3:25 pm
You have a moral and fiduciary responsibility to the homeowners to preserve the principal before all else.
Fiduciary yes, moral no. I do not want my HOA attempting to exercise moral responsibilities. Slippery slope.
by stan1
Sun Nov 12, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 1030

Re: Investing HOA reserve money?

Board members have a fiduciary duty to protect association assets. If ever required the Board's attorney would easily be able to defend that an FDIC insured account is a reasonable way to protect assets. An attorney would have a hard time doing so for any investment that could lose value. Also you c...
by stan1
Sun Nov 12, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7047

Re: Personal letters to the sellers of your house can work!!!

Helps to understand everyone's motivations. Sometimes sellers have an emotional attachment to their home. They have good memories with family and friends. They raised their kids in the house and want to see someone else do the same. Their neighbors are friends and want someone who is active in the c...
by stan1
Sun Nov 12, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2273

Re: Better way to get rid of old fridge?

SrGrumpy wrote:
Sun Nov 12, 2017 11:59 am
$15? C'mon!
Yep, its at least $50 to take it away where I live. You have a bargain.
by stan1
Sun Nov 12, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1130

Re: Frontier Flight Fees

Frontier has some flights I'm interested in for $91 / ticket. Other flights that day are ~$300 / ticket. But Frontier almost seems like a scam with the varying fees like bag fees changing depending on the season and when you specify your checking your bag. Anyway, have other been happy flying with ...
by stan1
Sun Nov 12, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 2827

Re: Paying off Home mortgage, partner doubts?

If you are planning to buy a new home in the next year or two I'd say your wife is right. If you are planning to keep the current house as a rental how will you fund the down payment, move in costs, and updating costs of the new house that aren't part of a mortgage? Perhaps you have hundreds of thou...
by stan1
Sun Nov 12, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Working on elevator pitching, sales charisma
Replies: 8
Views: 829

Re: Working on elevator pitching, sales charisma

Have your pitch down (written and memorized), but don't recite it. Be flexible and know your audience and what they are looking for. Don't go techno wonk if the person you are talking to isn't into that. It's a lot about self awareness and reading others.
by stan1
Sat Nov 11, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 10
Views: 959

Re: Asset Allocation

You stated you are not comfortable with your asset allocation. Do not use Social Security as a way to rationalize a decision you are uncomfortable with. Treat social security as future income. You can't invest it or control it.
by stan1
Fri Nov 10, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15758

Re: Flying first class, business, versus economy.

j0nnyg1984 wrote:
Fri Nov 10, 2017 7:10 pm
I'm 6'8" and fly weekly for work.
I'm 5'8" tall. Please continue to pay for upgrades, I don't want you sitting next to me in a coach middle seat.

:twisted:
by stan1
Fri Nov 10, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Are You Comfortable With State Specific Muni Money Funds
Replies: 7
Views: 697

Re: Are You Comfortable With State Specific Muni Money Funds

I am in California and in the highest tax bracket, I know the difference after tax is minor comparing the Schwab Value Advantage to the Schwab CA Muni Money fund. Are you comfortable with the safety of a muni money market fund? Thanks Short answer: yes, very unlikely to break the buck. How much do ...
by stan1
Fri Nov 10, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: Initial Vanguard capital gains distribution announcement
Replies: 14
Views: 1667

Re: Initial Vanguard capital gains distribution announcement

Interesting that Health Care Adm and Inv have a hefty CG percentage, but none for VHT (the EFT, which i own). I’m curious since i thought that EFT and Admiral were the same class. The capital gains distributions listed are for the actively managed Health Care fund that's been around since 1984. It ...
by stan1
Fri Nov 10, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 120
Views: 7081

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I think it is viewed by some as an eccentricity. Do you mind if others think you are eccentric? In some careers like academia, science, or tech it's no big deal. If you are working in sales I'd advise against it.
by stan1
Fri Nov 10, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 7877

Re: $23k credit card emergency

Seems like you have too much left out of your budget on "little things" that add up: - gifts (unlikely to be zero) - dining out, coffee, entertainment, clothing (unlikely to be zero) Also I don't see the minimum monthly payments on the credit cards as part of your budget although you say you are put...
by stan1
Fri Nov 10, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Steam Oven vs Microwave?
Replies: 7
Views: 532

Re: Steam Oven vs Microwave?

There are steam ovens, combi steam ovens (with convection), and convection microwave (speed) ovens. I'd see no reason to get the steam oven by itself. If you want one of these as a second oven I'd get the combi steam/convection oven or a speed oven. Also make sure whatever you buy as a built in oven...
by stan1
Fri Nov 10, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 67
Views: 4163

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

mhc wrote:
Fri Nov 10, 2017 9:05 am
No.

I also don't keep monuments of other bad decisions around like:
ex-wife
bad friends
wrecked cars
broken dishes
Good job! Better said than what I was going to write but I have the same sentiment. Never hold regrets, just try to do better next time.
by stan1
Fri Nov 10, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15758

Re: Flying first class, business, versus economy.

Premium economy might be a good compromise. The product is different on every airline. On United you just get more legroom with the same seat as economy. On Lufthansa or British Airways you get a completely different wider seat with a foot rest and more comfortable recline.
by stan1
Fri Nov 10, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value vs Total Bond Market Funds
Replies: 9
Views: 694

Re: Stable Value vs Total Bond Market Funds

If it was me I'd use some of both.

For stable value funds look at the net yield not the expense ratio. For bond funds look at the SEC yield.
by stan1
Fri Nov 10, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7047

Re: Personal letters to the sellers of your house can work!!!

Definitely helps when the house is special to the seller and you have a good story to tell: kids, want to be part of close neighborhood, will take care of a historic home. Also helps if you can learn a little about the seller to find out you have an affinity (physicians sometimes prefer to sell to o...
by stan1
Fri Nov 10, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Steam Oven vs Microwave?
Replies: 7
Views: 532

Re: Steam Oven vs Microwave?

We have a combination convection steam oven (Miele). Great for boiled eggs, vegetables, and fish. We use the convection features as much as the steam features for everything else. Rarely use the full size oven since we cook for 2 almost all the time. It is not a replacement for a microwave and we ha...
by stan1
Fri Nov 10, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 5945

Re: Spam calls to cell phone...

I essentially whitelist my mobile phones and only answer calls that are in my contact list. If anyone needs to reach me they can leave a message but most people text or email now instead of calling now. Spammers leave a message less than 10% of the time. My dentist and optometrist have automated tex...
by stan1
Thu Nov 09, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: New [Member] Portfolio Advice
Replies: 5
Views: 377

Re: New [Member] Portfolio Advice

You generally would not want to buy Total Bond Market in a taxable account and hold it long term. Is the money in the savings account from income or a windfall (such as an inheritance or settlement)? If I was 27 I'd be: - building an emergency fund (also to pay for things like a new car, home down p...
by stan1
Thu Nov 09, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1663

Re: Best Approach for Purchasing Many Furnishings

Think about whether you really need extra seating or dining space. Only get furniture you will use, don't just fill up the space. You'll invariably move and more furniture means more hassle. That means probably stay away from the stores that sell by the room. Likewise if you get a lot of storage you...
by stan1
Thu Nov 09, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: How can I get my kids into Vanguard Primecap
Replies: 12
Views: 1425

Re: How can I get my kids into Vanguard Primecap

PRIMECAP is a low cost actively managed fund with relatively low turnover, but it still can throw off large capital gains distributions. Fine for your kids to hold long term but I'd want them to have a PRIMECAP fund in a tax advantaged account not a taxable account.
by stan1
Thu Nov 09, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for repaying wife's law school loans
Replies: 23
Views: 1931

Re: Strategy for repaying wife's law school loans

Seems to me like there are too many things up in the air to optimize this. Could you pay down the student loans faster now that wedding, down payment, etc. are covered while still maxing retirement savings (401Ks, IRAs)? $81K is a lot of money, but at the same time its only 38% of one year's gross i...
by stan1
Thu Nov 09, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9298

Re: Federal Retiree Health Care with/Medicare

As to hospitals no longer being in BC/BS network, at least in my area of western N.C. there is only one "major" hospital within a 50 mile drive, and it parted ways with BC/BS as of early Oct. Both sides blame the other for failure to continue the contract. Rumor has it they may come to an agreement...
by stan1
Wed Nov 08, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Invited to join a new credit union
Replies: 7
Views: 682

Re: Invited to join a new credit union

Is it federally regulated and insured? I would not join a state chartered credit union that lacks federal insurance.
by stan1
Tue Nov 07, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 34
Views: 2906

Re: Fair Price for a Kitchen Remodel

We remodeled our kitchen in San Diego last year. Your costs seem pretty close to what we paid our subcontractors who were very professional and fast (e.g. not low cost so if you want lowest cost you can find cheaper). Cost for the general contractor and designer/project manager would be on top of yo...
by stan1
Mon Nov 06, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 39
Views: 3882

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

They sent two batches of notifications. I voted the first batch (two ballots, one taxable and one Roth IRA), then more emails came about a week later. I thought it was a duplicate and ignored it. Then I got about 20 phone calls and went back into the website to find I needed to vote two more ballots...
by stan1
Mon Nov 06, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Instacart vs Amazon Fresh
Replies: 1
Views: 201

Re: Instacart vs Amazon Fresh

Guessing WF (Amazon) will exit their partnership with Instacart when they can. In my area Instacart has a partnership with Costco, CVS, the local Kroger brand, and a local specialty organic market so pretty good breadth even without WF in the lineup. Do you have Envoy in your area? They will shop at...
by stan1
Mon Nov 06, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Dividends make up for high mutual fund fees
Replies: 31
Views: 2005

Re: Dividends make up for high mutual fund fees

You can buy low cost index funds that pay higher dividends than the S&P 500 Index Admiral (1.93% SEC yield, 0.04% ER), including Value Index Admiral (2.46% SEC yield, 0.06% ER) and High Dividend Yield Index (2.92% SEC yield, 0.15% ER). Not worth debating with him though. Just smile and say "wow, you...
by stan1
Sun Nov 05, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7390

Re: Preparing For "Early Retirement" In A Couple of Years

You have enough saved that you can take a year off, reduce your future savings rate because you have a job that pays less, or live off your savings while you get the new business started. $1M gives you some choices for sure.
by stan1
Sun Nov 05, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 2876

Re: dishwasher recommendations

There are dishwashers that have a 1 hour cycle option. We have a Kitchen Aide with that feature. The cycle uses more water and heats the water hotter. It's the least water and energy efficient wash cycle. If the dishwasher is less than a few years old it sounds like a quick wash feature which may r...
by stan1
Sun Nov 05, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Home network question
Replies: 17
Views: 1142

Re: Home network question

All other things equal: Wired > wireless I'm happy with my 2 Eeros which gets me the coverage I need in my 1996 pre-internet home plus the patio and attached garage. If I was building a new home I'd run 500 feet of cable including multiple WAPs, entertainment centers, and offices. One thing I like a...
by stan1
Sun Nov 05, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting with significant other
Replies: 26
Views: 2136

Re: Budgeting with significant other

I manage our shared expenses, and we budget together. But our paychecks come in separately, and we direct deposit the "shared budgeted amount" each paycheck, and each of us keep the non-shared balances in our personal accounts. We did just what you describe for 17 years (owning a home for 16 of tho...
by stan1
Sun Nov 05, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Signature-only card at unattended kiosks overseas?
Replies: 13
Views: 927

Re: Signature-only card at unattended kiosks overseas?

It all depends. Supposedly the card issuers have taken steps to improve the situation. Some tricks that might help: 1) Keep purchase amount small (under $20 or so) 2) Hit enter or cancel or 0000 when asked for a PIN 3) Carry small bills/coins. You might need to beg someone to use their card in excha...
by stan1
Sat Nov 04, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7390

Re: Preparing For "Early Retirement" In A Couple of Years

Tell everyone you've retired but then both of you can take on some side jobs to cover most of your living expenses.
by stan1
Sat Nov 04, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2729

Re: PRIMECAP Fund

PRIMECAP has a 34 year track record where it has on average beaten its benchmark index. It doesn't beat it every single year but since its inception in 1984 the fund has returned 2.5% more than its benchmark. I am not saying I have developed some crazy investment thesis or analyzed charts to decide...
by stan1
Sat Nov 04, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2729

Re: PRIMECAP Fund

I owned PRIMECAP for about 15 years. I sold it with a nice gain and paid off my mortgage a few years ago. I'm not going to tell you not to buy it; if you want an actively managed PRIMECAP/Odyssey and Wellington/Windsor are the ones I'd pick as they are low fee. You'll find there are a few people her...
by stan1
Sat Nov 04, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 155
Views: 10424

Re: Got an iPhoneX

Apps are posting updates for iPhone X display this weekend. Agree it makes sense to compare using an app optimized for the iPhone X display.
by stan1
Sat Nov 04, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 155
Views: 10424

Re: Got an iPhoneX

OK, for those of you who have it. What about the "notch"? Does it stand out as an annoying punt/compromise? Or does it blend with the rest of the display?
by stan1
Sat Nov 04, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Trade QUICKEN for Spreadsheet
Replies: 28
Views: 1847

Re: Trade QUICKEN for Spreadsheet

When was the last time you found an error on the bank's part? I just log in about once per week and check my balance and cleared checks. I do not reconcile my checkbook. I have my credit cards set up to send me an email alert every time I make a charge.
by stan1
Sat Nov 04, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 2876

Re: dishwasher recommendations

Wow! Cycle time is three hours! Are there any good dishwashers that have cycle times of an hour or so or no? Does that not exist anymore? Water efficiency, energy efficiency, and low noise have driven longer wash cycles. Our Miele is about 2 hours. You'd need a commercial dishwasher to get a one ho...
by stan1
Sat Nov 04, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: How much to spend for bathroom remodel with these features in LCOL area
Replies: 27
Views: 1656

Re: How much to spend for bathroom remodel with these features in LCOL area

I'd recommend a Toto toilet. Very happy with ours. You may want an ADA compliant toilet or at least one with a higher seat. If you have another tub in the house I'd consider a walk in shower only (no tub). Taking out a tub used to be a "resale" issue but not any more in most markets. Adults apprecia...
by stan1
Sat Nov 04, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3104

Re: bidets

Oh gosh, warm water sounds like a good idea.