Search found 5802 matches

by 123
Fri May 29, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy a scale to ship stuff?
Replies: 13
Views: 772

Re: Do I need to buy a scale to ship stuff?

Depending on what you are shipping the package volume can impact the shipping cost more than the weight. That said I am always amazed at how much empty space Amazon includes in shipments, I guess they get a deal based on volume.
by 123
Fri May 29, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out
Replies: 9
Views: 791

Re: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out

I upgraded a 7 year old Dell desktop yesterday and no problems so far. The install involved a few restarts so I left the process alone to run by itself. After I went back to the device 2 hours later all seemed done and okay but after using it for maybe 15 minutes it wanted to re-start one more time.
by 123
Thu May 28, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Mens Wrinkle Cream
Replies: 18
Views: 1353

Re: Mens Wrinkle Cream

Divert attention with a wig/hairpiece/new hairstyle, flashy glasses, dental veneers, and a new fashionable wardrobe.
by 123
Wed May 27, 2020 6:52 pm
Forum: Personal Investments
Topic: Using VGT in portfolio
Replies: 19
Views: 987

Re: Using VGT in portfolio

Some investors might choose to invest in the nasdaq-100 etf QQQ.
by 123
Wed May 27, 2020 6:44 pm
Forum: Personal Investments
Topic: Betterment liquidated my investments without my authorization
Replies: 75
Views: 5252

Re: Betterment liquidated my investments without my authorization

The terms and conditions of the Betterment account allowed Betterment to liquidate the assets if they wished to do so at the time of transfer. They elected to do what they were allowed to do so there isn't anything to complain about. Transferring accounts is one area of investing that can pose a lot...
by 123
Tue May 26, 2020 8:52 pm
Forum: Personal Investments
Topic: How do I invest for my retired mom?
Replies: 16
Views: 1198

Re: How do I invest for my retired mom?

I've helped older relatives and family friends with their accounts who had similar feelings about equities and the stock market as your mom. They were happy with CDs and treasuries with no risk of monetary loss. Sometimes doing what they ask and want is the best alternative. It's a lot easier than t...
by 123
Tue May 26, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Large Canceled Check - Stop payment + Close Account
Replies: 27
Views: 2482

Re: Large Canceled Check - Stop payment + Close Account

The only likely way of insuring that the old "stop payment" check doesn't get applied against you new bank account number would be to have the new account at a different bank.
by 123
Tue May 26, 2020 6:22 pm
Forum: Personal Investments
Topic: Claiming life insurance policy
Replies: 4
Views: 522

Re: Claiming life insurance policy

In some states (like California) life insurance companies are required to escheat the proceeds of life insurance policies to the state if no claim has been filed by the policy beneficiary. Insurnace companies become aware of deaths through various sources, including social security records and vario...
by 123
Tue May 26, 2020 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 55
Views: 4214

Re: Career advice for science PhD student

Holders of advanced degrees, especially Phds, can do very well at investment firms, including venture capital firms, providng insight and guidance about whether start-ups have achievable and realistic product goals. Venture capital firms need to evaluate whether they are worthy of initial and contin...
by 123
Mon May 25, 2020 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 235
Views: 11355

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

...Does anybody have some perspective on avoiding to keep up with joneses when it comes to private schools. You can avoid the syndrome completely by using the public school system. There are plenty of prior threads, just put "private school" (without quotes) in the google search box that is usually...
by 123
Mon May 25, 2020 8:29 pm
Forum: Investing - Theory, News & General
Topic: Fractional Investing
Replies: 22
Views: 1454

Re: Fractional Investing

I used it a couple of times at Fidelity for index ETFs. My experience is that the trade is split between the whole shares and the factional share that results with a higher price (not unexpected) for the fractional share part. If you want to be "fully invested" (no loose change or MMF in your accoun...
by 123
Mon May 25, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2612

Re: Anyone buy a car from a rental car company???

I happened to look at the Hertz used car site https://www.hertzcarsales.com/ the other day and was amazed at the offerings (the vehicles, not the prices). There were lots of 2020 Toyotas listed and finding low mileage vehicles (under 10,000 miles) was really easy. I'm sure they're cutting back their...
by 123
Mon May 25, 2020 1:51 pm
Forum: Personal Investments
Topic: I have no risk tolerance: where am I supposed to keep my money?
Replies: 73
Views: 6321

Re: I have no risk tolerance: where am I supposed to keep my money?

CDs are likely your best choice. The biggest risk with them is inflation but if you're more concerned about dollar protection of what you have they could be your best option. If you want potential protection against inflation and loss of buying power probably a 50/50 mix of stock bonds is a conserva...
by 123
Sun May 24, 2020 11:56 pm
Forum: Investing - Theory, News & General
Topic: What are specific mechanics for V to rebalance TRF
Replies: 3
Views: 256

Re: What are specific mechanics for V to rebalance TRF

My general impression is that all the Vanguard funds-of-funds, like Target Retirement Funds and LifeStrategy funds, rebalence daily for the most part. They have to adhere to the investment program they have defined in the respective prospectus, that why investors have prchased them.
by 123
Sun May 24, 2020 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Mother-In-Law
Replies: 31
Views: 3906

Re: What to do with Mother-In-Law

From my perspective dealing with aging relatives over the years. It seems unlikely to me that you would be able to find an alternative assisted living arrangement that would work for your MIL, likely a nursing home placement is the only realistic alternative. Her care needs have gradually increased ...
by 123
Sun May 24, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: Would you buy a new car without a spare tire?
Replies: 21
Views: 1012

Re: Would you buy a new car without a spare tire?

Though a lot depends on the kinds of areas you drive in (pavement versus gravel etc) the spare tire is no longer as important as it was in years past. Tires are safer and last longer than they did years ago. Your reference to AAA suggests you don't plan on changing any tire yourself anyway. Yes you ...
by 123
Sun May 24, 2020 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Little decrease in premium after removing older car
Replies: 15
Views: 1295

Re: Little decrease in premium after removing older car

Thank you for pointing this issue out. While things may vary by insurance company and by state I agree that insurance pricing and discounts are not at all clear from a lot of insurance billings. The billng statements we receive mention discounts but not necessarily the gross premium. And some discou...
by 123
Sat May 23, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 142
Views: 17495

Re: Any Instant Pot users here?

We've had one for about a year. Initially we used it quite a bit but now we rarely use it. We found the cleaning process tedious with the care needed to remove small parts. While pressure cooking is faster the time it takes to build up and slowly release pressure (depending on recipe) tends to dimin...
by 123
Sat May 23, 2020 8:40 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7145

Re: Has anyone ever used their Emergency Fund?

...In other words, they planned by putting money away for unknowns, even if they did not name it an ‘Emergency Fund’. +1 Agreed. While we have emergency funds in high yield savings I can't think of a time when we used it for an emergency. We keep large balences in checking accounts to accommodate j...
by 123
Sat May 23, 2020 12:59 pm
Forum: Personal Investments
Topic: Strategy for investing a large sum
Replies: 5
Views: 671

Re: Strategy for investing a large sum

plan wrote:
Sat May 23, 2020 12:18 pm
My wife and I received a large sum from a home sale and wonder how to best go about investing it...
If some or all of the proceeds will be used to purchase a replacement home that amount should be held in safe assets, like CDs, in the interim,
by 123
Fri May 22, 2020 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: family cabin planning through generations
Replies: 26
Views: 4776

Re: family cabin planning through generations

If ownership is held by a single sibling and that sibling passes away the frequent situation is that ownership then passes to the surviving widow/widower (under most states law if there is no will) and potentially out of the family, especially when that widow/widower remarries. Problem gone (along w...
by 123
Thu May 21, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3423

Re: Do you dislike recurring billing for gyms?

In the past Costco used to offer either 12 or 24 month prepaid gym memberships at a significant discount. I don't recall if they included LA Fitness as an option but I suspect there might be geographical variations. You might want to explore what they might offer. Sam's Club stores might offer somet...
by 123
Thu May 21, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Please recommend a comfortable sofa bed
Replies: 19
Views: 1009

Re: Please recommend a comfortable sofa bed

I have never found a comfortable couch that was also a comfortable fold out bed. In my office/spare bedroom, I have a murphy bed built in on one wall to look like cabinets that match the rest of the office cabinets. It folds down with a queen size bed and you can make it as comfortable as you want ...
by 123
Thu May 21, 2020 2:50 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6091

Re: I freaked out…now what?

I’ve never sold on fear in my life and know better, but on 3/13 I sold 100% of my investments... Any 401k or IRA accounts can be traded in without tax consequence. If you held any taxable investments and those were sold you will need to determine the tax consequences of those sales. If you had embe...
by 123
Wed May 20, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1680

Re: Frequency of bike overhaul or tune up

My current bike is similiar to what the OP likely has. I got it new 4 years ago and have probably ridden 50 - 100 miles weekly since then (year round). Other than lubricating the chain, replacing tires and brake pads (which I did myself) my only problem has been a broken shifter cable which I took i...
by 123
Wed May 20, 2020 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff logistics and large ACH transfer
Replies: 16
Views: 1599

Re: Mortgage payoff logistics and large ACH transfer

Do a wire from your brokerage. If there's a fee for the wire pay the fee. When a wire arrives at a bank account it is instant "Good Funds" which can be immediately utilizied. There are processing cycles with ACH that can take a couple of days in most banks for "settlement" to occurr.
by 123
Tue May 19, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Central Indiana: Reasonable Cost?
Replies: 16
Views: 1210

Re: Central Indiana: Reasonable Cost?

You'll be better off with your plan to buy the fixtures yourself and then get a contractor to install them. Just go to a Lowes or Home Depot that carries a major brand like Kohler or American Standard and you should be okay. A major brand generally provides some assurance of quaiity control. If you ...
by 123
Tue May 19, 2020 2:56 pm
Forum: Personal Investments
Topic: Seeking advice regarding managing my taxable account money
Replies: 14
Views: 1102

Re: Seeking advice regarding managing my taxable account money

If you can accept year-after-year of possible below market returns you can opt for some form of active management.

I don't tolerate below-market returns for my money so I use index funds.
by 123
Tue May 19, 2020 1:09 am
Forum: Personal Investments
Topic: Help me correct my Dad's Retirement Portfolio
Replies: 14
Views: 1455

Re: Help me correct my Dad's Retirement Portfolio

...worried for my Dad. Yesterday, I called him and wished him Happy 65th Birthday. I asked him how his retirement looks (he plans to work until 70 since he enjoys his job and for added social security payouts). Also, for what its worth he will get a pension when he retires... Sometimes it's not cos...
by 123
Mon May 18, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Reel Grass Mower
Replies: 36
Views: 1874

Re: Reel Grass Mower

If you have a fence or wall along an edge of your lawn a reel mower will not likely be able to reach the edge of all the grass and you will need to handle that edge with a weed-eater or other trimmer. Lawn edges that border a driveway or sidewalk are generally not an issue.
by 123
Mon May 18, 2020 1:24 am
Forum: Personal Finance (Not Investing)
Topic: I work remote: Is buying a home away from a major city a major risk?
Replies: 39
Views: 4294

Re: I work remote: Is buying a home away from a major city a major risk?

If there was a general economic decline that resulted in you being laid off from your remote job it's possible that the same economic decline could impact the sales price and marketability of a home away from a major city. If that were the case you could be in a dire economic situation. In spite of ...
by 123
Sun May 17, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: Getting the sizing right for online clothing purchases
Replies: 6
Views: 530

Re: Getting the sizing right for online clothing purchases

I don't have a comment directly related to the purchase you're considering except to say that if your son is slim he may get a better fit with clothing that is developed/sized for foreigners since they tend to be more appropriately sized than most of the domestic clothing purchasers in the US.
by 123
Sun May 17, 2020 4:34 pm
Forum: Personal Investments
Topic: Take single-sum pension based on 2019 rates or wait for 2020?
Replies: 8
Views: 633

Re: Take single-sum pension based on 2019 rates or wait for 2020?

A few years back I decided it was time to cash out from a former employer's pension plan. I tracked the monthly rates for a couple of years before I pulled the plug and took the lump sum. On a large payout the difference can be worth waiting for. As long as the trend for the segment rates remains do...
by 123
Sun May 17, 2020 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrade of apt bldg during pandemic
Replies: 7
Views: 726

Re: Electrical upgrade of apt bldg during pandemic

If there are electricial "issues" having to do with the building's wiring I would move foreward to get those resolved and corrected ASAP. Should an electrical fire result and someone is injured or worse an astute attorney may decide to pursue litigation against the owner of the property.
by 123
Sun May 17, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed get UI ?
Replies: 9
Views: 605

Re: self-employed get UI ?

go_mets wrote:
Sun May 17, 2020 1:56 pm
...The email from the state states that I am eligible for $600...
Unemployment benefits can vary by state. Maybe your state is different.
by 123
Sun May 17, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Importing an almost new car into CA
Replies: 23
Views: 1429

Re: Importing an almost new car into CA

It is a whole lot easier to just buy a new car in California than to have to deal with the regulations and procedures to register a "new" out-of-state vehicle. This is particularly true if there is anything exotic about the vehicle. Yes the rules seem to say that it's possible to register a "new" ou...
by 123
Sat May 16, 2020 12:04 am
Forum: Personal Finance (Not Investing)
Topic: [any downside to telling your parents your income?]
Replies: 32
Views: 2464

Re: Sharing income with parent(s)?

Rather than being happy with the amount of a child's earnings I think most parents are happy when they know that their child is a good fit for the job they have and the child is happy with the job. Doesn't really matter if the chidl works at McDonalds or is an MD from that perspective.
by 123
Fri May 15, 2020 10:25 pm
Forum: Personal Investments
Topic: Excess money in taxable vs 529?
Replies: 23
Views: 1488

Re: Excess money in taxable vs 529?

If the child is an infant you've still got lots of time. I would initially just use taxable until you see some advantage in a 529 for your child and your family. Depending on your age and asset level it may not be wise to "lock up" funds in a 529. In our state there was no state tax benefit to a 529...
by 123
Fri May 15, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Buying Amazon vs direct from company....
Replies: 40
Views: 3181

Re: Buying Amazon vs direct from company....

If you purchase from Amazon using the link from the Bogleheads home page you generate a (no cost to you) referral fee that helps support bogelheads.org
by 123
Wed May 13, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 1974

Re: Dental estimate for a gold crown

I've had at least six (or more, I've lost count) crowns over the last 20 years (different dentists) and the estimate you have looks reasonable.Depending on the crown location a porcelin crown may be preferred because it's less noticeable but whether that's an issue depends on your age and occupation...
by 123
Wed May 13, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2062

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

You can ask people you know, relatives, friends, neighbors, for recommendations as a starter. In many cases PCP's practice as a group so even though you may identify one as your PCP it's quite possible that you will see others in the practice depending on who is available. Look to identify physician...
by 123
Tue May 12, 2020 11:41 pm
Forum: Personal Investments
Topic: ADP and worker's comp offer
Replies: 5
Views: 470

Re: ADP and worker's comp offer

Since it's sold as a convenience it may not be as competitive on price as another insurer. Of course a lot depends on the state involved as well the particular number and job class(es) of employees you have.
by 123
Mon May 11, 2020 3:23 pm
Forum: Personal Investments
Topic: Transferring large managed brokerage to Schwab, please help and review my plan!
Replies: 37
Views: 1916

Re: Transferring large managed brokerage to Schwab, please help and review my plan!

...a trust fund, has turned into an individual taxable account with a small bank that is actively managed. It is valued in the very low 7 figures and charges an annual investment fee of 1%... While it is easiest if all assets can transfer directly to Schwab "in kind" you should confirm that Schwab ...
by 123
Sun May 10, 2020 4:45 pm
Forum: Personal Investments
Topic: Financial strength of Lutheran Church Extension Fund
Replies: 10
Views: 857

Re: Financial strength of Lutheran Church Extension Fund

Generally church bonds have a very limited market (often nil) if you need to resell them. That usually means a hefty discount because you have to compete with similar new issue bonds which often pay a significant commission to the person that sells them. Depending on the entity that is selling them ...
by 123
Sun May 10, 2020 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Very Low Student Loan Interest Rate - Invest Instead?
Replies: 34
Views: 1853

Re: Very Low Student Loan Interest Rate - Invest Instead?

It is far cheaper and easier to pay off the loan when the rates are low than when the rates are high. If you wait to mount an effort to seriously attack the loan balance until interest rates are much higher you would likely see the mountain of debt grow steeper before your eyes.
by 123
Sat May 09, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2018

Re: Rocks or Mulch?

livesoft wrote:
Sat May 09, 2020 12:03 pm
...And if they are edible even better: Blackberries, raspberries, ....
And there are thornless varieties of raspberries available to make the picking easier. Would be expensive to plant all at once, just get a few and let them take over.
by 123
Sat May 09, 2020 11:40 am
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7060

Re: Looking for alternative to Vanguard

...I don't feel the security at Vanguard is up to modern standards..I looked at some others like Fidelity and I don't really like their options. They require Symantec VIP for 2FA (much rather use traditional tokens like Authy). Saw reports of various companies that use Symantec VIP that just allow ...
by 123
Fri May 08, 2020 10:57 pm
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3028

Re: How do I get out of home a partnership agreement?

I helped my brother get into a house by putting 20% down and being on the loan / title. He lives there and makes all the payments, repairs, taxes, etc... Your connection with the loan on "his" house can limit your ability to get any loan/credit lines for your own purposes. These tangential connecti...
by 123
Fri May 08, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8275

Re: Percentage of savings to "prepping"?

With the current COVID-19 situation and the varying impact on product availability at grocery stores we are now keeping our refrigerator/freezer full and have a higher stock of pantry goods. We only shop once a week if possible versus 2 or 3 visits previously. So in that respect we might be "preppin...
by 123
Fri May 08, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: Amazon issues - cannot even cancel Prime really
Replies: 59
Views: 3737

Re: Amazon issues - cannot even cancel Prime really

... she directed me to their website where I can cancel effective when the 1 year term ends in 6 months. So you can only really cancel the renewal... Amazon Prime offers a monthly subscription offer which would limit your loss to a maximum of one month. If you subscribed on a yearly basis for the c...