Search found 3771 matches

by Ged
Wed Nov 13, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 35
Views: 2745

Re: Collection Calls Right After Death

Has anyone heard of a scam where collection agencies call relatives of the deceased shortly after death? My sister’s ex husband recently passed away and a couple weeks later she received a call from a collection agency saying there is $37k owed on HELOC on the House she is living in. Her ex had tol...
by Ged
Tue Nov 05, 2019 5:32 pm
Forum: Investing - Theory, News & General
Topic: Cost basis step up on death of spouse?
Replies: 43
Views: 2846

Re: Cost basis step up on death of spouse?

Typically the tax basis of the spouse's half of the property is stepped up.

It also depends on the details of the ownership; whether it is community property etc.
by Ged
Mon Nov 04, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 70
Views: 9669

Re: Best secure email to use instead of gmail?

I would vote Protonmail for anyone who doesn't want to setup their own mail server and encryption (and is concerned about security) Because of my IT experience I opted to set up my own email server. It has been an interesting journey. It offers some unique advantages but also some unique problems.
by Ged
Sun Nov 03, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Question
Replies: 19
Views: 1758

Re: Pension Question

How is the financial soundness of the pension plan you are covered by?
by Ged
Fri Nov 01, 2019 10:26 am
Forum: Personal Investments
Topic: New government worker investing sanity check
Replies: 15
Views: 1010

Re: New government worker investing sanity check

Thegame14 wrote:
Fri Nov 01, 2019 8:39 am
first obvious thing to do is take the $25K from Crypto and put that towards student loans and almost wipe them out.
+1.

With your lower current salaries and current tax rates you are probably not going to do better in the future. Not to mention the other issues with crypto.
by Ged
Wed Oct 30, 2019 11:27 am
Forum: Personal Investments
Topic: Afraid to take the leap
Replies: 42
Views: 5105

Re: Afraid to take the leap

In general the successful strategy is to maximize time in the market instead of trying to time the market. However it's tough to overcome psychological aversion to taking risk with money. In your case I would try to find a way to overcome that aversion as best as you can. Put the money in gradually....
by Ged
Sun Oct 27, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 2975

Re: HVAC check ups?

Dear Bogleheads, How many folks get their furnaces, etc. checked annually? I’ve always been advised of this but it sure is expensive. I think it's advisable if you either live in a very cold climate or have a gas furnace. In a very cold climate having the furnace go out can lead to frozen/broken pi...
by Ged
Sun Oct 27, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3294

Re: idiot networking

fogalog wrote:
Sat Oct 26, 2019 11:26 am
Netgear switches are rock solid. I have purchased and used many at home and at work over many years.
They used to be solid. Not so much any more. In the last 5 years I've had to replace two of their 16-port gigabit switches that died in my home. I now keep a spare on hand.
by Ged
Sun Oct 27, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Lenovo Ideapad Laptop not charging
Replies: 9
Views: 406

Re: Lenovo Ideapad Laptop not charging

The last time this happened to me the problem was the charger had gone bad.

When you plug the charger cord into the laptop does an indicator light go on or flash indicating the charger is working?
by Ged
Sat Oct 26, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6603

Re: How much does a "good school district" matter?

I know my parents moved to a town with a good school district when I was ready to start. My opinion is they did me a great favor.
by Ged
Fri Oct 25, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Spray on mold remover, for vinyl house siding?
Replies: 22
Views: 1587

Re: Spray on mold remover, for vinyl house siding?

The nice thing about Wet & Forget is that it is not caustic or harmful to plants and materials. Bleach works, but is not such a kind substance. Yes, bleach (sodium hypochlorite) is highly alkaline. It's likely to bleach anything it contacts and the spray would be quite unpleasant should it travel a...
by Ged
Thu Oct 24, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Spray on mold remover, for vinyl house siding?
Replies: 22
Views: 1587

Re: Spray on mold remover, for vinyl house siding?

I have used Wet & Forget for many years for mold removal from my vinyl siding. It's not particularly fast acting but in a month or two my siding looks great again. Just spray it on with a hose end mixer. No high pressure/scrubbing needed. For parts of my house that are too high for hose pressure to ...
by Ged
Wed Oct 23, 2019 8:25 am
Forum: Personal Investments
Topic: Getting a pool of money into the market
Replies: 5
Views: 603

Re: Getting a pool of money into the market

I figure the right move isn’t to simply dump it at once into an index fund and was hoping to get some guidance. If you have a long enough time horizon (and at age 24 you may have about as long a horizon as there is) the right move is to simply dump it all at once into a total market index fund and ...
by Ged
Mon Oct 21, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Google Wifi Mesh 2 Pack vs. TP Link Deco 3 Pack
Replies: 18
Views: 1396

Re: Google Wifi Mesh 2 Pack vs. TP Link Deco 3 Pack

If I was doing it would be an open source project like LibreMesh or OpenWRT and one of the compatible hardware products. https://libremesh.org/docs/hardware/index.html https://openwrt.org/docs/guide-user/network/wifi/mesh/80211s In general I've had better luck getting updates and bug fixes for open ...
by Ged
Mon Oct 14, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3695

Re: Seiko Watch

rebellovw wrote:
Fri Oct 11, 2019 1:39 pm
I have a nice citizen - that uses motion to charge if I recall- though I don't wear it.
I like Citizen watches myself. I have two solar models.
by Ged
Mon Oct 14, 2019 3:47 pm
Forum: Personal Investments
Topic: Finally moving from high yield savings to Vanguard
Replies: 32
Views: 3160

Re: Finally moving from high yield savings to Vanguard

For someone of your age I also like #2. Like others here mentioned the concentration in REITs is not needed. I would just put it in VTI. Among other things it will simplify maintaining the balance between your asset classes.
by Ged
Sat Oct 12, 2019 6:36 pm
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5023

Re: Retirees, when did you start really planning your retirement?

Well the first real planning for me started when I began my career. That planning consisted of asking my father how much to save for retirement. He said 15% of gross income, which was excellent advice then and is still good advice for most people. This was in 1978. Later more in detailed planning to...
by Ged
Fri Oct 11, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 93
Views: 7627

Re: Vanguard keeps pushing their financial advisors...why?

Superfluous email and survey requests are one of life's smallest annoyances.
by Ged
Fri Oct 11, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: Is home bias really biased?
Replies: 12
Views: 1016

Re: Is home bias really biased?

US GDP is 24% of world GDP.

An unbiased portfolio would reflect that 1:3 ratio.

Does that mean you need an unbiased portfolio? Nope.
by Ged
Thu Oct 10, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: GE Pension Buyout
Replies: 83
Views: 11029

Re: GE Pension Buyout

Here is a link to the PBGC ERISA max guarantee amounts.

https://www.pbgc.gov/wr/benefits/guaran ... -guarantee

They seem to be substantially higher than the amounts under discussion for this case.
by Ged
Wed Oct 09, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: Pest Exterminator DIY
Replies: 27
Views: 2097

Re: Pest Exterminator DIY

I used to do DIY but outsourcing has led to something priceless to me - improved domestic tranquility.

Fertilizer and herbicides like RoundUp I still DIY. Not as much a domestic issue as weeds don't walk into the house.
by Ged
Wed Oct 09, 2019 5:49 am
Forum: Personal Consumer Issues
Topic: Office Startpage for Web Browser
Replies: 11
Views: 917

Re: Office Startpage for Web Browser

http://apnews.com is relatively free of pandering.
by Ged
Tue Oct 08, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 3022

Re: POA Reimbursement

bengal22 wrote:
Mon Oct 07, 2019 4:26 pm
I am POA for my elderly mom and I plan to reimburse myself once I exceed all of the time and effort and money that she put into my first 18 years. She will be 107 when that occurs.
I think that is a likely understatement.
by Ged
Tue Oct 08, 2019 5:04 pm
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 7875

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

Tdubs wrote:
Wed Oct 02, 2019 8:52 pm
livesoft wrote:
Wed Oct 02, 2019 8:46 pm
Got children? Train them ahead of time.
You can't train someone who doesn't want to be trained.
One of the things proficiency correlates with is interest, so you are probably better off.
by Ged
Mon Oct 07, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Banking in Massachusetts?
Replies: 9
Views: 559

Re: Banking in Massachusetts?

I would avoid Citizen's Bank. They were absolutely incompetent when I had to deal with them as executor of my father's estate.

They lost the court documents appointing me executor of his estate TWICE.
by Ged
Sat Oct 05, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5894

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

Confusopoly def: confusing marketing designed to prevent the buyer making informed decisions.

Origin: Scott Adams
by Ged
Tue Oct 01, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: Know when to hold them and when to fold them......
Replies: 148
Views: 13901

Re: Know when to hold them and when to fold them......

The things you know are personal circumstances. Risk tolerance. Time horizon. Etc.

These are why there is no universal answer.
by Ged
Wed Sep 25, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: How does a bank make money off you? How to ensure they don't
Replies: 69
Views: 8149

Re: How does a bank make money off you? How to ensure they don't

The easiest way to make sure is to hold your assets at a discount brokerage and just use the bank for basic checking. Add in Medallion guarantees, occasional cash withdrawals and safe deposit boxes and you've hit everything I've found useful from a bank. If you are lucky you will find one that leav...
by Ged
Sun Aug 25, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Physician first job offer negotiation advice
Replies: 8
Views: 1497

Re: Physician first job offer negotiation advice

1. Of course there is an experience increase.

2. She may want to see an employment lawyer for advice on the contract.

3. Send everything at once. Piecemeal will frustrate the negotiation process.
by Ged
Wed Aug 14, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3425

Re: Dishwasher Fiasco

NewPhoneWhoDis wrote:
Wed Aug 14, 2019 1:28 pm
The subject is a reasonable name for a band.
Yes and it is available too.

I found a company that offers playsets from other Fiasco themed bands as well.

http://fiascoplaysets.com/home/touring-rock-band
by Ged
Thu Aug 08, 2019 6:02 pm
Forum: Personal Investments
Topic: New Jersey taxes
Replies: 58
Views: 3509

Re: New Jersey taxes

I currently live in Monmouth County, very nice town, good schools, close to the coast. Our home was purchased for roughly $1M 3 years ago and our taxes are roughly $18k. I grew up in Essex County. The taxes up there were asinine and considerably more than Monmouth County. I love NJ. I love the coas...
by Ged
Wed Aug 07, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13224

Re: Amazon -- no longer the lowest prices, evidently

Sandtrap wrote:
Wed Aug 07, 2019 4:41 pm
9" x 75' roll Fortiflash buildlng seam waterproofing tape.

Amazon.com: $63.57 plus $5.25 shipping per roll.

Home Depot, locally on the shelf: $34.47 plus tax.

Compare prices
Shop carefully

j
I use Amazon a lot but I still go to Home Depot and Costco too.
by Ged
Wed Aug 07, 2019 2:34 pm
Forum: Personal Investments
Topic: New Jersey taxes
Replies: 58
Views: 3509

Re: New Jersey taxes

I live in Somerset county NJ (central Jersey). My house is about 600k and my taxes are just over 12k. I’m surprised at the 25k number from the OP, unless they are looking at houses over 1 mil. Or just a very high tax town. For the bonds, I own VNJUX (Vanguard New Jersey Long-Term Tax-Exempt). I wou...
by Ged
Wed Aug 07, 2019 2:07 am
Forum: Personal Consumer Issues
Topic: Need a Printer!
Replies: 21
Views: 1378

Re: Need a Printer!

Brother color duplex printer of your choice + Scansnap duplex scanner. Not cheap but very very good.
by Ged
Sat Aug 03, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 5193

Re: Ink Pens

I use a pen about once a week. While I like fountain pens they always seem to dry out on me.

My best results seem to be with Pilot Pens.
by Ged
Wed Jul 31, 2019 8:00 am
Forum: Personal Investments
Topic: Father investing with Edward Jones
Replies: 43
Views: 4709

Re: Father investing with Edward Jones

Also be prepared for stratagems like churning, illiquid 'investments' such as life insurance and non-marketable REITs etc. You may find that his overall expenses and fees are higher than 2%.
by Ged
Fri Jul 26, 2019 10:15 am
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 101
Views: 21771

Re: Retire with Less Than $1 million?

My retired brother has about $1000 per month SS and a modest paid off condo. Less than $50K in savings. That really isn't enough.

Fortunately for him he has a couple of brothers who can and do help out once in a while.
by Ged
Mon Jul 22, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 3250

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

Buy the adjacent home and rent it to people who don't own dogs.
by Ged
Sun Jul 14, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 4226

Re: How to encrypt Cloud backups?

I would recommend that you look at Arq Backup. It provides encryption of the data it uploads plus it will do file version management for you. It will work with a variety of storage services include Google and Amazon.

https://www.arqbackup.com/
by Ged
Sat Jul 13, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 3091

Re: Standard Car Key Battery Life for Late Model Vehicles

I have a 2012 car. I've replaced the key fob battery (CR1616) twice. I use the fob a couple of times a day.

These batteries should have a shelf life of at least 5 years.
by Ged
Fri Jul 05, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 4037

Re: buying a 60 or 65 inch tv this weekend. which one?

I have a 50" Panasonic Plasma in the basement. It is a beast, but still has a good picture. It doesn't get used that much down there. I would like the 65" OLED for the upstairs family room. Corporate Finance (wife) has not approved the purchase as of yet. Sure. Buy the OLED. Just don't expect you w...
by Ged
Fri Jul 05, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 4037

Re: buying a 60 or 65 inch tv this weekend. which one?

The best deal today is the 55" LG OLED for $999 at Best Buy. Heads and tails above the options listed, but not 60". The 65" OLED is $1,899. Too steep a price jump for me. For 15 years, I would reach and get the OLED. In 1-2 years OLED will be standard and the TV you buy today will feel dated. I wou...
by Ged
Fri Jul 05, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 4037

Re: buying a 60 or 65 inch tv this weekend. which one?

The best deal today is the 55" LG OLED for $999 at Best Buy. Heads and tails above the options listed, but not 60". The 65" OLED is $1,899. Too steep a price jump for me. For 15 years, I would reach and get the OLED. In 1-2 years OLED will be standard and the TV you buy today will feel dated. I wou...
by Ged
Thu Jul 04, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 3449

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

All of my small engines are seasonal use or a run once a year for emergency preparedness. So it's a logical solution for me to treat the gas when I bring it home from the gas station.
by Ged
Wed Jul 03, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Hire a driver?
Replies: 63
Views: 3809

Re: Hire a driver?

Isn't this what money is for? Yup. I have a friend who has a son who works 3 12 hour shifts per week and has a 3 hour commute. During her son's commute home she stays on the phone with him, talking with him and singing to help him stay awake. She is a real life angel. The OP is lucky that he has th...
by Ged
Tue Jul 02, 2019 11:47 am
Forum: Personal Investments
Topic: Can I add Social Security to my asset allocation of bonds?
Replies: 42
Views: 3005

Re: Can I add Social Security to my asset allocation of bonds?

I'm procrastinating on the shift to the well-reasoned "age in bonds" allocation of 35/65 I think age in bonds is overly conservative for me and choose to be 50/50 at age 70. Part of this is social security plus pensions cover my non-discretionary expenses fully. Another part is that I have no idea ...
by Ged
Sat Jun 29, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5536

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

I certainly would not pay $250. My independent tire service place quotes $150 to replace a set of TPMS as part of mounting 4 new tires. A lot depends on who you are. Some people are diligent about checking tire pressure as a matter of habit. Others are not. It is a safety issue. I have seen someone...
by Ged
Sat Jun 29, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Did Retirement Spending go as You Planned?
Replies: 47
Views: 5151

Re: Did Retirement Spending go as You Planned?

We are spending a bit more than planned mostly because the strong stock market has emboldened me. Sequence of returns does matter. Now though we are getting to the point where most of the bucket list is checked off. I don't think that this will continue more than another 2-3 years. Plus the delayed ...
by Ged
Fri Jun 28, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5536

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

I've always checked my tires regularly and continue to do so now that the TPMS has failed on my 2009. I was also quoted north of $250 to replace all 4. That's nearly the cost of 3 new replacement tires. No thanks. DW has the aftermarket TPMS sensors on her winter tires. They work pretty well. I cer...