Search found 3372 matches

by 123
Mon Jul 16, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 55
Views: 2073

Re: Would you pay $120 for a 5 year dishwasher warranty?

I bought one last year - it was the first time I ever bought an extended warranty. We paid around $1,000 for a quiet dishwasher after the previous one failed after 7 years (the replacement was a similar model) and I decided to buy the extended warranty as well. We use our dishwasher a lot and things...
by 123
Sun Jul 15, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 61
Views: 3180

Re: Are Credit Cards Actually Convenient?

One reason my brother-in-law found out for one of his declined charges when he called in about it to the card issuer was missed/late payments. He always tried to maximize the float period on his cards so he delayed payment as long as possible but still within the terms of his card. It turned out tha...
by 123
Sun Jul 15, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: office sublease without contract
Replies: 4
Views: 284

Re: office sublease without contract

If there is no written agreement for a longer term then I would assume it is month to month. That fact that you get a monthly invoice for rent would seem to be in agreement with that. If you had a lease you would just pay the rent monthly with no invoice, since you agree to the terms of a lease in a...
by 123
Sun Jul 15, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 58
Views: 4355

Re: Should we sell our business?

Local, national, and global changes in economic conditions can drastically effect the value of a buisness. Things seem to be a roll right now. Maybe it's a good time to get out while the getting is good.
by 123
Sat Jul 14, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA Transfer
Replies: 4
Views: 326

Re: Vanguard IRA Transfer

mindboggling: I have heard that they've improved their customer service and you have confirmed it with your post. Thank you! What part of the OPs post indicates improved customer service? The improvement was not having to talk to a Vanguard rep and being able to accomplish the task completely online.
by 123
Fri Jul 13, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel
Replies: 23
Views: 1691

Re: Kitchen Remodel

If you're going for Wolf/Viking/Subzero appliances it sounds like you don't have any budget constraints. Enjoy the project!
by 123
Fri Jul 13, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 38
Views: 4310

Re: Denied for an auto loan 2 weeks after purchase??

spth wrote:
Thu Jul 12, 2018 8:35 pm
Tell them you are returning the car. I bet the problem goes away.
+1 Be ready to return the vehicle. Hopefully you didn't do a trade-in that would leave you short of a set of wheels.
by 123
Fri Jul 13, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: massive Roth conversion
Replies: 39
Views: 3083

Re: massive Roth conversion

From my perspective the older you are the less valuable Roth conversions become because you have fewer years to take advantage of the tax-free gains (assuming the conversion is not for estate purposes to potentially pass the Roth proceeds to someone in a higher tax bracket). Another "Less bang for t...
by 123
Fri Jul 13, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3229

Re: Like Lifestrategy Funds but???

Maybe a better fit would be Vanguard Balanced Index Fund Admiral Shares (VBIAX). 60.08% Stocks 39.77% Bonds 0.15% Short-term reserves There is no international in the equity or bond holdings, I don't think. All US. I kinda like this mutual fund for a portfolio simplification effort I am contemplati...
by 123
Fri Jul 13, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation for New Position
Replies: 25
Views: 2082

Re: Salary Negotiation for New Position

Will she become "exempt" instead of hourly? Many times "exempt" employees are treated as managerial and may be eligible for other special types of compensation, including bonuses (even in non-pofits). She needs to get a handle on how her employer compensates the position she has applied for (i.e. gl...
by 123
Fri Jul 13, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bond Yielding 9%
Replies: 9
Views: 1184

Re: Treasury Bond Yielding 9%

They may have expected higher returns elsewhere, like the stock market. When Treasury yields soared back in the 1980's there were many reasons to not buy them, like highe returns on CDs that did not lock your money up for such long returns. At one time I bought what I thought was the most mundane in...
by 123
Fri Jul 13, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 71
Views: 4401

Re: Tell me what's wrong with my strategy

You would be bearing a lot of single company risks by holding individual companies. Historically many outstanding individual companies have had remarkable changes of fortune over time. Besides those that have failed outright, like Worldcom, Enron, Pan Am, etc there are many who have just declined ov...
by 123
Fri Jul 13, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2115

Re: Preparing non-technocrat spouse $ Mgmt

If you can accept the asset allocation of a Vanguard LifeStrategy Fund for tax-deferred accounts it costs about $1K more per $1M annually to use the automatic rebalancing features of a LifeStrategy fund instead of holding the indvidiual component funds yourself. This is 1/3 the rate of Vanguard PAS ...
by 123
Thu Jul 12, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3229

Re: Like Lifestrategy Funds but???

I had exactly the same feelings about the international bonds component of the Vanguard LifeStrategy funds as the OP. I didn't hate them but I wasn't a fan. I came to the conclusion that Vanguard may know more than I do. The LifeStrategy funds may not be a "perfect" option for a single fund option f...
by 123
Thu Jul 12, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Grandpa's 88 and has term life insurance
Replies: 39
Views: 2835

Re: Grandpa's 88 and has term life insurance

Most of the discussion seems to have been with the assumption that the term life insurance is a "level" term policy, the premiums are the same each year. Is that the case or do the premiums change with age? If it's a "level" term policy the premium level is usually set for a specific number of years...
by 123
Thu Jul 12, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10215

Re: COMING SOON: BOGLEHEADS PODCASTS

(The) Bogleheads Advantage
by 123
Thu Jul 12, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10215

Re: COMING SOON: BOGLEHEADS PODCASTS

kpc77 wrote:
Thu Jul 12, 2018 12:18 pm
The Boglehead Buzz
+1 I think that suggestion is hard to beat.
Bogleheads Bets - not as snappy as "Bogleheads Buzz"
Bogleheads Forum
The Bogleheads Bunch
by 123
Wed Jul 11, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Commercial Auto Insurance for a Business vehicle?
Replies: 14
Views: 777

Re: Do I need Commercial Auto Insurance for a Business vehicle?

Your automobile policy will state what it covers and often what it doesn't cover, i.e. exclusions. How coverage works can vary by state. Maybe your policy just needs an endorsement to cover business use, which might entail some expense or policy adjustment. You may also want to review and see if you...
by 123
Tue Jul 10, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: What's up with Wells Fargo
Replies: 27
Views: 2862

Re: What's up with Wells Fargo

The login to check the status of the account should be enough to keep it from being escheated, if Wells Fargo is smart enough to check for that, which they may not be. They may just be looking for a simplistic answer based on deposit or withdrawal activity or perhaps something connected with their r...
by 123
Tue Jul 10, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: perpetual home insurance?
Replies: 7
Views: 808

Re: perpetual home insurance?

I think the market for the product is limited just because there are too few people that are willing, and able, to pay 15+ times the regular premium for perpetual home insurance. It might make most sense to buy when you initially purchase a home, but most initial purchases of homes are tied to a mor...
by 123
Tue Jul 10, 2018 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Single Investment Fund
Replies: 13
Views: 1669

Re: Single Investment Fund

I have migrated most of our tax-deferred accounts from a 3-fund portfolio to a single Vanguard LifeStrategy fund. Though the costs of the LIfeStrategy fund are a little higher than the 3-fund mix I decided that the extra cost is simply insurance that my spouse will be able to handle things without a...
by 123
Tue Jul 10, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2066

Re: Thoroughly cleaning grimy tile

Make a paste with baking soda and a little water. Use it like toothpaste with a nylon bristle cleaning brush to clean tile. Don't need anything fancy.
by 123
Tue Jul 10, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Cost of adding AC and change pipes to old house
Replies: 12
Views: 952

Re: Cost of adding AC and change pipes to old house

When you do a lot of substantial systems upgrades, like replacing electrical, water supply, and sewer/drainage you are likely on your way to a very substantial remodel of the home. Since those systems have the greatest impact in the kitchen (more outlets/lights/appliances) and bathrooms (new fixture...
by 123
Mon Jul 09, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Want to diversify account held in my name [inherited Canadian stock]
Replies: 8
Views: 381

Re: Want to diversify account held in my name [inherited Canadian stock]

Congradulations on finishing a master's program at age 23. You were obviously focused and dedicated to the task. You need to clairify how the account is "held in my name". Is the account in your name alone, a joint account with parent(s), or are you a beneficial owner of the account only (i.e. accou...
by 123
Mon Jul 09, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: French language accounting software?
Replies: 8
Views: 462

Re: French language accounting software?

Depending on what country the accounting is for there can be some differences in accounting standards (there are international accounting standards that differ in some respects from the US (at least they used to)). Might not matter depending on how sophisticated the accounting is and what other coun...
by 123
Sun Jul 08, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Should I open a Goldman sachs 1.6% savings account?
Replies: 31
Views: 3048

Re: Should I open a Goldman sachs 1.6% savings account?

Though recently I've moved most of our funds out of American Express Bank and Ally Bank because I felt Treasuries provided a better yield I intentionally did NOT close the American Express and Ally accounts. I left around $1K in each account. The reason I left funds in each is in case I decide to mo...
by 123
Sat Jul 07, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 298
Views: 37408

Re: MoviePass-Too good to be true, but it's legit.

I've been a very satisfied MoviePass subscriber since last November. I have probably seen something like 8 - 10 movies each month. There are a couple of multiplexes just a short distance from where we live. When my spouse decides to watch her programs on the big TV (including Netflix etc) and I'm no...
by 123
Sat Jul 07, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1634

Re: Checkbook balancing software?

When I'm assisting older relatives the first thing I try and do is to get their recurring expenses, utilities etc, on autopayment with their actual payment date as quickly as possible after the statement date and hopefully a week or more before the bank statement cut-off date. It's best to have a "l...
by 123
Sat Jul 07, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 2885

Re: Would you take a job in a less desirable city if you had to work fewer days?

Have you explored opportunities in your present city with only 3 or 4 workdays a week? Some employment areas, like hospitals/healthcare, tend to have a wide variety of duty schedules available. You might end up being a contractor of some type depending on your occupation. Another issue with the smal...
by 123
Sat Jul 07, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3217

Re: Trying to hit grand slam with small % portfolio?

I don't think of my activity as trying to hit a grand slam, the primary purpose is entertainment. I have done this at various times with a small percentage "play money" in my portfolio. I have usually used call options or LEAPS on a few individual stocks or index etfs (like SPY). For simplicity, and...
by 123
Fri Jul 06, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: direct deposit while working 1099
Replies: 13
Views: 641

Re: direct deposit while working 1099

...However, I found out that their accounts payable started the clock when they received notification through the approval process. I found out they didn't care what the contract said, they weren't paying anything before 55 days. They also added a delay to compensate for not getting a mail float......
by 123
Fri Jul 06, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience in Social Security/SSA Hearings?
Replies: 15
Views: 1530

Re: Anyone with experience in Social Security/SSA Hearings?

There's always a chance that SSA can recover the money her retirement benefits in the future if she doesn't have the capacity to pay it back now. For SSA to waive an overpayment I think they have to find the recipient is without fault in connection with the overpayment and there is an incapacity to ...
by 123
Fri Jul 06, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5057

Re: Every Other Friday Off

I've had a 9/80 schedule for a few years. It's main benefit is giving you that extra day free and cutting down your commute time. The main potential argument against it is likely that if you have young children it may not work depending on the kid's schedule as well as the availability of a spouse t...
by 123
Thu Jul 05, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For My Side Business - Reselling Used Electronics
Replies: 14
Views: 1328

Re: Advice For My Side Business - Reselling Used Electronics

Electronics have become so inexpensive that it rarely makes sense for a large business to buy something used (even if refurbished). A business can't afford to maintain and support a hodge-podge of electronic devices, they want uniformity. They don't want to deal with the headaches of yesterdays tech...
by 123
Thu Jul 05, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hear of or invest in Rich Uncles?
Replies: 18
Views: 3436

Re: Anyone hear of or invest in Rich Uncles?

Browsing through that Offering Circular gave me the chills. They want your money, maybe it will work out, more likely it won't. They can't do anything for an investor that likely over 100 other REITS are already doing for investors. I would avoid them and forever tune out the source that approached ...
by 123
Thu Jul 05, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to self-manage retirement accounts - Advice Requested
Replies: 12
Views: 1475

Re: Wanting to self-manage retirement accounts - Advice Requested

It could take awhile for some of us to digest the information you have provided but you have extraordinary insight into your present investments and undoubtedly could do it yourself without the need of any external paid assistance. Edited to add: A couple of observations. If you are automaticaly rei...
by 123
Thu Jul 05, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Multi-unit garbage woes..
Replies: 20
Views: 1483

Re: Multi-unit garbage woes..

The problem is they saw me and I was the only one in the area. This was mid day when folks are presumably at school/work (I took a day off today to do some cleaning). These low-lifes have likely been doing this same thing for months/years at dumpsters all over town. They likely have been seen by a ...
by 123
Thu Jul 05, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: AMEX Extended warranty in conjunction with SquareTrade
Replies: 3
Views: 188

Re: AMEX Extended warranty in conjunction with SquareTrade

The AMEX Extended warranty begins at the end of the manufacturer's warranty. If you purchase another warranty from Squaretrade or elsewhere you may have some redundent coverage but may have more options if you need service. If you have a 1 year manufactuer's warranty then AMEX Extended warranty woul...
by 123
Thu Jul 05, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8913

Re: What time do you get up in the morning?

I often get up at 5 am whenever possible. I find I get a lot more done when I start early before other household members (I especially like to get up early on weekends since everyone else sleeps later then). Early exercise and reading are favorite activities, also quiet housekeeping (a vacuum would ...
by 123
Thu Jul 05, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to start a private non-operating charitable foundation
Replies: 2
Views: 247

Re: Looking to start a private non-operating charitable foundation

I don't have any direct experience but you find find the following sources helpful: Nolo Press has books on non-profits (might be in your public library): https://store.nolo.com/products/starting-and-building-a-nonprofit-snon.html LegalZoom provides a lot of cookie-cutter solutions that work for som...
by 123
Wed Jul 04, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 42
Views: 4539

Re: Fidelity cash position

At Fidelity we're holidng a position in FZDXX Fidelity MMKT Premium Class. While it has a high minimum purchase ($100,000.00) it has a current 7-day yield as of 7/3/18 of 1.98%. You purchase it like any other Fidelity mutual fund, no fee. There are other "purchased" money market alternatives as well...
by 123
Wed Jul 04, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1621

Re: Evaluating New Job Offer

Just quietly decline the new job offer without trying to get some kind of a counter from your current employer. You likely only have a chance of having the counter-offer routine work once with an individual employer, save it for some occassion where there is really a substantially better offer witho...
by 123
Wed Jul 04, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 42
Views: 2892

Re: Tire experts? Can I trust a patched tire?

I think I would have to consider how many total miles were on the tire that got the patch. If Costco was going to replace the failed tire (as part of a pair) I'd have to judge what that cost is versus how much/long I wanted to trust the tire. If the tire has relatively few miles on it I might be tem...
by 123
Tue Jul 03, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Airline App leaking passengers data!
Replies: 5
Views: 771

Re: Airline App leaking passengers data!

I congradulate you on having the thoughtfullness and concern to immediately post what you found in the review of the app in the Google playstore. The best way to get a company to shape-up is to make other customers aware of the problems and the actions you took were exemplery.
by 123
Tue Jul 03, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Universal Life Policy Too Costly/Allow to Terminate?
Replies: 2
Views: 427

Re: Universal Life Policy Too Costly/Allow to Terminate?

It might be good to ask the insurance company for a "current inforce illustration" for the policy that may give additional insight into the policy. One problem with many universal life policies is that any cash value in the policy begins to get applied to premiums due if additional premiums aren't p...
by 123
Mon Jul 02, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6099

Re: Do We need health insurance??

...can’t I skate along, until one of us get sick and than sign up? ...Obviously something catastrophic or an accident then we would [be out of luck --admin LadyGeek] . Thoughts? I guess I really don’t want to pay the ridiculous premiums for ACA plans. Thanks in advance. Like life insurance health i...
by 123
Mon Jul 02, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Metlife | Total Control Account
Replies: 2
Views: 321

Re: Metlife | Total Control Account

She could easily get almost 2% in some online bank/brokerage money market funds. I'd have her move the money out of MetLife before one of their salespeople gets to her and sells her an annuity to earn "more" money (for the salesperson).
by 123
Mon Jul 02, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6099

Re: Do We need health insurance??

Health insurance gives you rates for services that are negotiated by the insurance company. A hospitalization that can cost $250,000 at the hospital "rack (cash) rate" for something like a heart pacemaker or a cardiac stent with a couple of days in the hospital can get a negotiated rate of $75,000 f...
by 123
Mon Jul 02, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Fees For Bond Purchases
Replies: 8
Views: 642

Re: Fidelity Fees For Bond Purchases

If you bought a Vanguard Muni Bond fund your annual expenses for a $500,000 position would be $500,000 x .19% (typical) = $950 yearly. For that price you get them to do all the work. They have more buying power then you so they will get able to get bonds likely at a lower price. Whether you own the ...
by 123
Mon Jul 02, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Parents. Just Moved to VG
Replies: 15
Views: 924

Re: Helping Parents. Just Moved to VG

Instead of a lot of slicing and dicing their Vanguard IRA into so many pieces I would be tempted to find them a Target Retirement, LifeStrategy Fund, or other balanced fund that would fit their needs. If they're comfortable with Target Retirement in a 401K maybe that's a good alternative for their I...