Search found 3692 matches

by 123
Wed Oct 17, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 9
Views: 627

Re: Best way to complain about Hertz bait-and-switch?

I would write a letter of complaint to the president of the board of directors of the airport demanding the the airport cancel the airport space lease for Hertz (and its affiliated companies) due to its failure to meet its commitments to customers. I would also request that the airport bar Hertz (an...
by 123
Wed Oct 17, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance for cancer survivor? OR, can I even get insured?
Replies: 5
Views: 195

Re: How much life insurance for cancer survivor? OR, can I even get insured?

I would be shopping for not less than $1 million. You have to also consider the likelihood of inflation over time that diminishes the cost of the policy over time but also diminishes the purchasing power of the face amount.
by 123
Wed Oct 17, 2018 1:11 am
Forum: Investing - Help with Personal Investments
Topic: More safe: Treasury ETF or Bank Account
Replies: 4
Views: 513

Re: More safe: Treasury ETF or Bank Account

If you want virtually unlimited US Government backing buy treasuries and hold them at treasurydirect.gov
by 123
Tue Oct 16, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Visiting the Statue of Liberty
Replies: 6
Views: 445

Re: Visiting the Statue of Liberty

National Park Service info: https://www.nps.gov/stli/planyourvisit/fees.htm

I was in NYC on business over the weekend and went and got walk-up tickets for a visit early on a frigid Sunday morning in January about 25 years ago. It might not be so easy now.
by 123
Mon Oct 15, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 24
Views: 1232

Re: HDMI Splitter or Switch?

I have an old 42" Panasonic plasma hanging on the wall in our basement that still works and looks great. Congradulations on the Panasonic plasma. We had one and enjoyed it until it died a couple of years ago. While I was sorry to see it go (it also helped to heat the room on chily nights) our elect...
by 123
Mon Oct 15, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 3980

Re: Relocation to California

Until quite recently lived in Lost Angeles for over 30 years. I think I know a thing or two about it. I'd characterize it as a living hell. Driving of any kind hellacious. When I told people I had finally gotten my i'm moving get out of jail free card every conversation centered around how impossib...
by 123
Mon Oct 15, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 47
Views: 4164

Re: Kids not interested in money / allowance

One of our children, out of college now for a few years, is still not very interested in money. Child still lives with us but works and pretty much all earnings goes into savings account (including Roth). Most of child's spending has been on books over the years (like her parents) but that has dropp...
by 123
Sat Oct 13, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 4863

Re: Need new email address. Gmail or ???

Gmail is popular and trendy. Note that if you are hoping for a vanity email, like bowtie@gmail.com, it might not be available. However you might have success with securing an email address with mr, ms, or miss like mrbowtie@gmail.com. Good luck.
by 123
Sat Oct 13, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Garage door design
Replies: 7
Views: 434

Re: Garage door design

Wood or steel panels? We went with wood. I would think steel would be more likely to have problems with dents.
by 123
Sat Oct 13, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Garage door design
Replies: 7
Views: 434

Re: Garage door design

Since a garage door generally fronts the street it needs to be in harmony with the rest of the house and likely the neighborhood. Sometimes an inocous design/color is used for the garage door so it doesn't stick out like a sore thumb. Most people don't want to make the driveway and garage door the f...
by 123
Sat Oct 13, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3042

Re: Reducing overall medical costs. Do we do anything?

dm200 wrote:
Sat Oct 13, 2018 2:18 pm
...I also wonder what is "magic" about the one year free (to patient) annual physical. I still do it every 12 months, but am considering stretching it out a few months.
It's probably more "magic" to the physician. "Voila" a periodic revenue stream.
by 123
Sat Oct 13, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: defaulted Puerto Rico bonds - keep or sell ?
Replies: 3
Views: 450

Re: defaulted Puerto Rico bonds - keep or sell ?

It's not clear from your post that you are determining the potential gain/loss on the bonds correctly. Since you inherited the bonds the value of each bond was stepped up or down to the market value on the date of death. It is the value on the date of death that will determine your potential gain or...
by 123
Sat Oct 13, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: how to put different ETF in different accounts
Replies: 27
Views: 1107

Re: how to put different ETF in different accounts

... 1) we have about 1.3 million of investable asset. Should I hire a professional manager to manage it for me? I understand bogleheads advocates for low fee index fund investing. But what're the pros/cons of hiring a financial advisor in consideration of my asset in terms of planning for early ret...
by 123
Fri Oct 12, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1621

Re: Gas Fireplaces

I am considering purchasing a freestanding direct-vent gas fireplace for use as emergency heat in the event that I lose electricity in the winter. This is a particular concern during a blizzard, where I often am trapped in the house due to huge snow drifts, and the temperature can drop below zero w...
by 123
Fri Oct 12, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2715

Re: No bill to me - but found strange things on my health plan records

It's possible that there's no mistake at all. Do you get ongoing maintenance perscriptions from Kaiser? Maybe it was a review of your medical history or lab test history in connection with (what looks to you like) an automatic renewal of perscription refills. Such a review might not depend too much ...
by 123
Fri Oct 12, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: independent advisor
Replies: 15
Views: 1021

Re: independent advisor

...First meeting to collect and sign documents = $75 ( ? ) ... This would concern me greatly. Sounds like he may intend to take over your money and accounts and then just bill you. f you use this financial advisor you pay $150 an hour for one person. If you ask here you pay $0 for hundreds of eyeba...
by 123
Thu Oct 11, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1501

Re: Can a Person Under 21 Rent a Hotel Room?

Of course you know the best thing is to call the hotel's local number and ask/resolve all issues. If you don't want to "show your cards" you can call an alternate hotel in the same chain in the same area and ask your questions. Normally they're going to require that the credit card be presented when...
by 123
Thu Oct 11, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown financial gift from relative
Replies: 8
Views: 1094

Re: Unknown financial gift from relative

If the financial gift is an annuity there is no tax issue until a distribution is made so there may not be anything to be concerned about for a long, long, time (perhaps a gift annuity might be structured to begin distributions to the beneficiary at some kind of retirement age like 60, 62. 65, 70 et...
by 123
Thu Oct 11, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2407

Re: What would you do with some bulk silver?

I'm interested in this thread. I've got a metal tin with maybe 100 pretty worn out silver dollars from the 1920/1930's that my parents asked to give to their grandchildren. I've yet to go through them and see if there are any numismatic gems, but I doubt it. I'm very tempted to just hold onto a coup...
by 123
Wed Oct 10, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of the current correction
Replies: 28
Views: 3545

Re: Taking advantage of the current correction

My asset allocation has sort of flexible bands in taxable accounts (I use a Vanguard LifeStrategy fund in traditional IRA accounts). As a result I can scoop up more VTI if there's a significant price decline. Currently I have some pending limit orders to buy if the price drops to 135 or lower. The l...
by 123
Wed Oct 10, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5720

Re: What the heck is growing in my yard?

Maybe if you let it grow it will spout legs/limbs and walk away.
by 123
Wed Oct 10, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities
Replies: 12
Views: 1009

Re: Annuities

Most annuities in many states include a provision for a "free look" (or similar phrase) often for 7 to 10 days during which you can back out of the annuity and get your money back. So look over your annuity contract carefully and see if it still seems as wonderful as the salesguy made it seem. Pay p...
by 123
Tue Oct 09, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3155

Re: Formula for when to buy in bulk

In my personal matrix of when to buy in bulk I include a consideration that I don't want to waste my time with extra trips to pick up items that can be readily stockpiled (or foodstuffs that can be frozen). I try not to go to Costco or Target more than once a month due to inconvenient locations so I...
by 123
Tue Oct 09, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff debt with Roth contributions??? Change in circumstances?
Replies: 6
Views: 524

Re: Payoff debt with Roth contributions??? Change in circumstances?

Money in a Roth is the most precious money you can have, for yourself or for your beneficiaries. With 25x retirement expenses in savings it's likely better to use other resources to pay down debt. Without complete and accurate asset information it would be difficult for any Bogleheads to justify bre...
by 123
Tue Oct 09, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2234

Re: Job Opportunity - Via Staffing Agency

Your ability to negotiate with the firm after the end of the staffing agency contract is primarily influenced by the availablity of similar employment with other firms in the same area. In some professions, and in some areas, the use of staffing agencies is common and some professionals seem to get ...
by 123
Tue Oct 09, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding and transferring positions
Replies: 17
Views: 1011

Re: Unwinding and transferring positions

For your 20 equity positions,I assume their individual stocks or ETFs, you should have no reluctance to sell them and buy VTI because you are simply exchanging individual equities for an index ETF. Your risk should be less with a move diversified position, which is what you get with VTI. You may hav...
by 123
Tue Oct 09, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Office Computers
Replies: 5
Views: 799

Re: Office Computers

Have you considered a network server with thin clients at the workstations instead of PCs? You could also have a mix of thin clients and PCs on the network. Dell offers both products. The benefit of a thin client approach is longer hardware life, fewer system maintenance issues. You should carefull...
by 123
Tue Oct 09, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Medicare drug question - days or pills?
Replies: 18
Views: 820

Re: Medicare drug question - days or pills?

Before I discuss with the Kaiser pharmacy, I would like to get any ideas or information....My refill is for 90 pills - or 60 days. I would like to get 90 days. Any ideas on the rules for such a situation? Kaiser is all about efficiency (on their side) in perscription management. Prescriptions are g...
by 123
Tue Oct 09, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Options for Medical Care for aging parents in US on green card
Replies: 6
Views: 524

Re: Options for Medical Care for aging parents in US on green card

Healthcare.gov provides some guidance for healthcare coverage for those who have arrived in the US with a green card: https://www.healthcare.gov/immigrants/l ... mmigrants/
by 123
Mon Oct 08, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: UPS mailbox experiences?
Replies: 14
Views: 726

Re: UPS mailbox experiences?

I think the USPS may want to see utility bill to verify residency but it may not necessarily have to be in the area with the PO Box you want. Some years ago I rented a USPS Box near where I work (30+ miles from where I lived) to have a recognizeable "downtown" address (linked to a large city) for pr...
by 123
Mon Oct 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: UPS mailbox experiences?
Replies: 14
Views: 726

Re: UPS mailbox experiences?

Mike Scott wrote:
Mon Oct 08, 2018 11:24 am
... Do you really get so much mail that sending it to their house is a burden?
Perhaps the OP simply has mail that he/she prefers to keep private, which might include financial stuff (or maybe not).
by 123
Sun Oct 07, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1841

Re: Investment advice for a friend in her nineties

Does she do anything much online or does she have children that will help her with it. An easier alternative than CDs could be treasury bills or notes available through TreasuryDirect.gov At her age I would likely steer her away from equity investments if she hasn't already "experienced" them. Of co...
by 123
Sun Oct 07, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4182

Re: New Car: No Collision/Comprehensive?

Some people find value in buying Uninsured and/or Underinsured Coverage. I think most of the time if you want those coverages to protect your own vehicle you need to carry Collision/Comprehensive on it. If you have Collision/Comprehensive on your own vehicle and are involved in an accident you can g...
by 123
Sun Oct 07, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured Motorist Bodily Injury: Auto Insurance
Replies: 3
Views: 365

Re: Uninsured Motorist Bodily Injury: Auto Insurance

Perhaps an Uninsured Motorist Bodily Injury limit higher than $300,000 would be appropriate for you if available in your state from your carrier. It is very easy for medical expenses to exceed $300,000 when hospitalization is involved. If you lose the use of multiple limbs or suffer a brain injury l...
by 123
Sun Oct 07, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3712

Re: Should I take a pretty big pay cut to become a diplomat?

Take the opportunity. What better opportunity could there be? Sure you may move around some about the world. But everyone who is on your Christmas letter list (start one if you don't have one already) will anxiously await each annual edition to find out where in the world you are each holiday and wh...
by 123
Sat Oct 06, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4710

Re: Sellers remorse - selling business

What would happen to the business if something were to happen to you? Could the value of the business significantly decline if you were no longer around to add the "secret sauce" that makes it successful? How would it go if your family had to run it directly after your unexpected passing? Provide co...
by 123
Fri Oct 05, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re Sell or Keep house
Replies: 19
Views: 1223

Re: Need advice re Sell or Keep house

aenflex wrote:
Fri Oct 05, 2018 7:04 pm
...We move a lot for work...
If you move a lot for work I don't think real estate investment and activity as a landlord generally will not work out very well. Sell.
by 123
Fri Oct 05, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5067

Re: can i start a private investment firm?

Here's a couple of links to get you started. You'll need to be familiar with the U.S. Securities and Exchange Commission https://www.sec.gov/ and Financial Industry Regulatory Authority https://www.finra.org/. Depending on what states you do business in there may be respective state regulatory autho...
by 123
Fri Oct 05, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Scenario
Replies: 8
Views: 1143

Re: Retirement Scenario

All annuities have expenses, whether they are directly stated or inferred. The costs are often hidden by significant restrictions on the availability of your money. Some deferred income annuity contracts are irrevocable so there is no way out of them, or any cash value, after a "cooling off" period ...
by 123
Thu Oct 04, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Complicated inherited IRA situation
Replies: 8
Views: 1012

Re: Complicated inherited IRA situation

JGoneRiding wrote:
Thu Oct 04, 2018 8:52 pm
...you can solve the problem by taking the whole thing...
+1 Just take a distribution of the entire balance and be done with it.
by 123
Thu Oct 04, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put modest windfall in taxable?
Replies: 10
Views: 1195

Re: Where to put modest windfall in taxable?

Though money is fungible people have different kinds of feelings about windfalls. A lot depends on how significant the windfall is to your personal wealth. Some windfalls are more personal than others, if the windfall is an inheritance that someone else worked hard for many times the receiver doesn'...
by 123
Thu Oct 04, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial land for sale, agent and seller are one
Replies: 6
Views: 384

Re: Commercial land for sale, agent and seller are one

An approach that could be used in future negotiations is to make any "feeling" inquiries in which a price is identified with an expiration date, maybe a week later. That way if you hear nothing in a week you can relax and move on.
by 123
Thu Oct 04, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Septic owner protection service contract or NOT?
Replies: 7
Views: 415

Re: Septic owner protection service contract or NOT?

...I might consider the contract if it promises expedited response in the event of a problem. Since it appears to be a proprietary system it would seem to be in your best interests in keeping the vendor in business. From a casual look at the web page I couldn't tell what the options might be if the...
by 123
Thu Oct 04, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Builder's Preferred Lender Sham
Replies: 4
Views: 592

Re: Builder's Preferred Lender Sham

I'd guess the "Preferred Lender" could also be a lender associated with the builder's construction loan. As properties are sold the risk of the lender is diversified from the builder to the property buyers. Of course the majority of such home loans will likely be sold by the lender elsewhere.
by 123
Thu Oct 04, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Advice for 85 year old mother
Replies: 4
Views: 659

Re: Advice for 85 year old mother

In transferring the assets in connection with the advice of a competent estate attorney care should be exercised so that the rights of all of your mother's beneficaries are protected. Accordingly a joint account, likely at a brokerage firm, identifying all 4 siblings is the clearest way of handling ...
by 123
Thu Oct 04, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Septic owner protection service contract or NOT?
Replies: 7
Views: 415

Re: Septic owner protection service contract or NOT?

Have you ever had to use any of the services provided by the contract? Do they perform any periodic pumping etc as part of the contract? How much would it cost you if you had an "incident" and didn't have the contract? How often do your neighbors have septic system "incidents"? Edited to add: Singul...
by 123
Wed Oct 03, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: New post - car muffler and auto emissions
Replies: 12
Views: 784

Re: New post - car muffler and auto emissions

Seems to me there's not a lot to lose by taking it in for inspection as is. Agreed. Failing inspection is not a big deal. If they only test the emissions and don't do a visual inspection there's always a chance that the muffler could be leaking so bad that no emissions make it out the end of the ta...
by 123
Wed Oct 03, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11730

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

Did you pay for a home warranty? Sometimes a seller would pay for a home warranty as part of the contract. +1 I've sold a couple of homes and routinely included one of those silly (my opinion) home warranties. It makes the buyer argue with the insurance company instead of me. Though I didn't think ...
by 123
Wed Oct 03, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming Medicare Open Enrollment - Widowed Mom
Replies: 6
Views: 433

Re: Upcoming Medicare Open Enrollment - Widowed Mom

The best thing to do is to contact your current carrier and ask them if her coverage will continue "the same" for 2019 or if there is anything she needs to do to keep it. If the medical coverage was tied to a pension or something similiar it is especially importent that she resolve her ongoing eligi...