Search found 9123 matches

by sport
Thu May 28, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 38
Views: 7396

Re: Put checking accounts in living revocable trusts?

There is a similar concern about putting vehicles into a trust. Do you want the officer that stops you for a traffic offense to know that you are "a rich trust fund person"? You might not get much sympathy or leeway from that officer if he/she is a jealous type of person. Time to learn about what a...
by sport
Thu May 28, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Pension with No COLA
Replies: 11
Views: 1110

Re: Pension with No COLA

There is yet another complication. When you look at published or expected inflation rates, those are kind of average numbers. Your personal inflation rate can be quite different. For example, if you own your home, there is no inflation in rent for you, just the effect on your real estate taxes. OTOH...
by sport
Thu May 28, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1277

Re: Car won't start

Would you care to identify the "ridiculous responses"? Sure... - core4portfolio - Watty - sport (your last 2 posts) This is the most basic of automotive problems, experienced everyday by millions of people. Any response to the OP's question over about 2 lines is an excessive over-thinking of the is...
by sport
Thu May 28, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1277

Re: Car won't start

Many of these responses are ridiculous. Would you care to identify the "ridiculous responses"? Yes, jump starting a battery is very easy and almost always nothing bad happens. But every once in a while, BOOM!!! When I worked in the battery business my employer had about a dozen battery explosion li...
by sport
Thu May 28, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1277

Re: Car won't start

You need to be careful and double check the instructions when jump starting a car. When I was in college I was there when my roommate blew up a car battery while jumping a car which sent acid flying. No one was hurt but if the acid had gotten in someones eyes that could have been a big problem. It ...
by sport
Thu May 28, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1277

Re: Car won't start

cookieid wrote:
Thu May 28, 2020 11:46 am
The battery is about 8-9 yrs old. It's from the 2012 car.
There is no doubt. It should be replaced if it is that old.
by sport
Thu May 28, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1277

Re: Car won't start

Here are following options 1. Battery dried out 2. No fuel in gas tank or fuel pump is gone. check for any leaks below car 3. timing belt broken if you have one 4. Alternator gone 5. Spark plug issue Out of these, i faced battery dried out and timing belt issue, in which car wont start but engine t...
by sport
Thu May 28, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1277

Re: Car won't start

If you can jump it and it stays running, I'd drive it to the store. Keeping my cell phone at the ready. This is what I would do. Since the battery is old, you should replace it anyway. If it does not fail after a jump start, it will probably fail sooner rather than later. You don't want to get stuc...
by sport
Thu May 28, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Large Canceled Check - Stop payment + Close Account
Replies: 27
Views: 2464

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. I would open a new checking account and close the old one. I have had to do this a couple of times due to fraud twice in 3 ...
by sport
Thu May 28, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Large Canceled Check - Stop payment + Close Account
Replies: 27
Views: 2464

Re: Large Canceled Check - Stop payment + Close Account

I suspect your bank will honor your check after 90 days. You should review your Deposit Account Agreement. Most likely there is a provision in it that the bank may disregard such legends and only pay attention to the payee, amount, endorsements and signature of the maker. As this is the internet, I...
by sport
Thu May 28, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 38
Views: 7396

Re: Put checking accounts in living revocable trusts?

Also, do you really want everyone who receives a check to know that you are a "rich trust fund person"? Yeah, checks are becoming less and less used and we Bogleheads understand that you don't have to be Warren Buffett to benefit from a trust. But to the average Joe, it can send the wrong message. ...
by sport
Tue May 26, 2020 6:49 pm
Forum: Investing - Theory, News & General
Topic: Alarming Bid/Ask Spreads on ETFs
Replies: 71
Views: 4563

Re: Alarming Bid/Ask Spreads on ETFs

ETF fans always insist that there is nothing difficult about making the actual transactions, but I think they underestimate the amount of know-how they have picked up over the years. NedSaid is no novice at investing, yet the data presentation he was looking at online assumed knowledge about ETFs t...
by sport
Tue May 26, 2020 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Large Canceled Check - Stop payment + Close Account
Replies: 27
Views: 2464

Re: Large Canceled Check - Stop payment + Close Account

I have read about banks honoring checks after the account has been closed. I suggest talking to the bank about this.
by sport
Mon May 25, 2020 1:39 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 93
Views: 4569

Re: Anybody do any GOOD timing the market?

I harvested tax losses in municipal bond funds on March 23. I hit the exact bottom of the market for the shares I sold. I was able to harvest significant losses.
by sport
Sun May 24, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 79
Views: 3272

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

greenxspidey wrote:
Sun May 24, 2020 6:54 pm
they will be 77-78, and I doubt they will be driving
At your age, this may seem ancient. However, there are many people in that age group that are still driving and will continue to drive for quite some time. Ask me how I know. :!:
by sport
Sun May 24, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 79
Views: 3272

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

You are a first time buyer and a new graduate. Are you going to pay cash for this car or do you need to borrow the money? I would suggest that if you need to borrow the money, the car is much too expensive. I would never buy an expensive car that I would need a loan to pay for it. You can get a very...
by sport
Sun May 24, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Thin, long lasting athletic socks?
Replies: 16
Views: 1152

Re: Thin, long lasting athletic socks?

These are very good, but perhaps not thin enough:
https://www.costco.com/kirkland-signatu ... 65733.html
by sport
Sat May 23, 2020 5:20 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 104
Views: 7196

Re: NJ property taxes too high. What are my alternative states?

I don't know about New Jersey, but in Ohio property taxes vary a lot depending on the community. Moving even a short distance can result in much higher or lower taxes, depending on the city/town/village/township you move to.
by sport
Fri May 22, 2020 1:38 pm
Forum: Personal Investments
Topic: Inherited Edward Jones Account: Transfer to Vanguard?
Replies: 12
Views: 672

Re: Inherited Edward Jones Account: Transfer to Vanguard?

When you move the IRAs, be sure they are titled correctly for inherited IRAs. If the deaths occurred prior to 2020, you will have RMDs for all these IRA accounts. If the deaths occurred in 2020, you must withdraw all the IRA money within 10 years. For the taxable account, be sure you have the cost b...
by sport
Fri May 22, 2020 10:26 am
Forum: Personal Investments
Topic: Combine 401k Accounts?
Replies: 8
Views: 360

Combine 401k Accounts?

A family member recently started a new job. She has a 401k account with a previous megacorp employer. She is now contributing to a 401k account with a new megacorp employer. What are the pros and cons of keeping the two accounts separate vs rolling the old account into the new one? If she decides to...
by sport
Thu May 21, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Please recommend a comfortable sofa bed
Replies: 19
Views: 1004

Re: Please recommend a comfortable sofa bed

When we bought our futon, the store had a choice of mattresses for it. We spent a little more and got the better one. It is a "full" size and is quite a nice mattress.
by sport
Thu May 21, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: When are taxes due on a Roth Conversion?
Replies: 15
Views: 912

Re: When are taxes due on a Roth Conversion?

If you can arrange for withholding from anywhere, any time during the year is allowed. If you must pay directly, timely quarterly estimates are required unless you meet a safe harbor. Since I plan to do multiple conversions, sounds like a good strategy may be to have taxes withheld ONLY from my fin...
by sport
Thu May 21, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: When are taxes due on a Roth Conversion?
Replies: 15
Views: 912

Re: When are taxes due on a Roth Conversion?

Beware of the rules effectively requiring the payments to be equal across the quarters.... I ran afoul of them my first conversion year, but it was a cheap lesson. My understanding is that you can pay earlier than required, but not later. I made a conversion in the second quarter and paid 100% of t...
by sport
Thu May 21, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: When are taxes due on a Roth Conversion?
Replies: 15
Views: 912

Re: When are taxes due on a Roth Conversion?

If you can arrange for withholding from anywhere, any time during the year is allowed. If you must pay directly, timely quarterly estimates are required unless you meet a safe harbor.
by sport
Thu May 21, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Please recommend a comfortable sofa bed
Replies: 19
Views: 1004

Re: Please recommend a comfortable sofa bed

Do you want a comfortable sofa that converts to a bed, or do you want a sofa that converts to a comfortable bed? It is probably easier to find either of these than one that is comfortable as both a sofa and bed. We have a futon that is not very comfortable to sit on, but it converts to a great bed.
by sport
Wed May 20, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Strategy - Minimizing Costs and When to File Claim?
Replies: 3
Views: 261

Re: Home Insurance Strategy - Minimizing Costs and When to File Claim?

Your insurance company may give you a discount if you use hail resistant shingles when you redo your roof.
by sport
Wed May 20, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4039

Re: Vault Safe in the attic; welded, anyone ?

It is just that I am currently paying $250 per year for a Bank of America safe and was thinking of replacing it with a safe contraption at home. Wow... I pay $34 a year for a 5x10 safe deposit box at my small local bank. It will hold a lot of stuff. I have found that BIG banks like Bank of America ...
by sport
Wed May 20, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2929

Re: Engagement Ring Help

Go to some pawn shops and look at their selection and bring cash and negotiate. Seriously - they have nice stuff. the ring will have the same sentiment regardless of what you spend on it. she is obligated to love whatever you get her. If she doesn't, reconsider your engagement. How would you know y...
by sport
Wed May 20, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1442

Re: Refrigerator Malfunction

badbreath wrote:
Wed May 20, 2020 1:25 am
repeat OPPs
What does this mean?
by sport
Tue May 19, 2020 8:42 pm
Forum: Personal Investments
Topic: ETF versus MF
Replies: 29
Views: 1515

Re: ETF versus MF

I would prefer to keep mutual funds as well but that’s not permissible if you use the PAS at Vanguard. They are moving everyone to the brokerage platform AND ETF’s. I’m unsettled about that. I’d like to keep my mutual funds and don’t want to be forced into ETF’s. I understand and accept they want t...
by sport
Tue May 19, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2929

Re: Engagement Ring Help

Go to some pawn shops and look at their selection and bring cash and negotiate. Seriously - they have nice stuff. the ring will have the same sentiment regardless of what you spend on it. she is obligated to love whatever you get her. If she doesn't, reconsider your engagement. How would you know y...
by sport
Tue May 19, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2929

Re: Engagement Ring Help

Costco sells diamonds. Costco will not cheat you.
by sport
Tue May 19, 2020 2:57 pm
Forum: Personal Investments
Topic: ETF versus MF
Replies: 29
Views: 1515

Re: ETF versus MF

ETF transactions involve spreads, premiums, discounts, limit orders, market orders, etc. MF transactions are "buy" or "sell", much simpler.
by sport
Mon May 18, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4039

Re: Vault Safe in the attic; welded, anyone ?

I know that whatever you choose, you need to sell your house with the safe in it to a Boglehead someday, but not give them the combo. We will need something to discuss by then. I wonder how many times we will have discussed mortgage payoff by then? Perhaps the safe would be a good place to keep a $...
by sport
Mon May 18, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4039

Re: Vault Safe in the attic; welded, anyone ?

Are the beams in the floor of the attic strong enough to hold the weight you plan to put up there? Since the building was not designed for this, it could be a problem.
by sport
Mon May 18, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1442

Re: Refrigerator Malfunction

Intermittent problems are difficult to pin down. It started making that sound again today, so we turned off the ice-maker. The sound persisted. So, we turned it back on. It seemed to stop when the compressor started. Any other ideas? Badbreath suggested that the noise was related to the auto defros...
by sport
Mon May 18, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4610

Re: How did you determine your target savings rate?

I did not have a high income. I could not afford to max out the 401k. Between my contribution and the company match, I aimed for 15% of my gross pay. We also saved 100% of DW's part time earnings. It worked out just fine.
by sport
Mon May 18, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1442

Re: Refrigerator Malfunction

Intermittent problems are difficult to pin down. It started making that sound again today, so we turned off the ice-maker. The sound persisted. So, we turned it back on. It seemed to stop when the compressor started. Any other ideas?
by sport
Mon May 18, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1442

Re: Refrigerator Malfunction

badbreath wrote:
Mon May 18, 2020 12:08 am
It most likely not the ice maker and that it is going into the defrost mode which can sound like a hum.
Would that happen with a duration of one second repeating every 15 seconds?
by sport
Sun May 17, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6272

Re: Alternatives to Craftsman Tools

I once spoke to a Snap On sales person. He said that his franchise and inventory was his retirement plan. Whenever he got a bonus from Snap On, it was in the form of inventory. When we was ready to retire, he could sell the franchise, the truck, and all the tools in his inventory. Apparently, that a...
by sport
Sun May 17, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1442

Re: Refrigerator Malfunction

Thanks for all the suggestions. The ice tray was overfilled with cubes. We removed the excess and so far, the problem has disappeared. Apparently, it was a jam in the ice-maker.
by sport
Sun May 17, 2020 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Not Driving much - Cancel full coverage on car insurance and get liability only - Good idea?
Replies: 11
Views: 1326

Re: Not Driving much - Cancel full coverage on car insurance and get liability only - Good idea?

Collision coverage is relatively expensive. However, comprehensive coverage is much less. It might not be worth dropping comprehensive. For my 2013 Camry, $50 deductible comprehensive costs only $14.34 for six months. For a higher deductible, it would be even less. So, not much opportunity to save t...
by sport
Sun May 17, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4293

Re: How did you feel after giving notice to retire?

I had some fleeting mixed feelings on my last day - they organized a very nice retirement party with a cake and decorated the conference room which I hadn't expected. But overall the feeling I had following my retirement was relief. My company was worse. There were two of us retiring at the same ti...
by sport
Sun May 17, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1442

Re: Refrigerator Malfunction

BoomerM3 wrote:
Sun May 17, 2020 2:28 pm
Try manually turning your ice maker off for a few hours. Does the sound go away?
No - not the ice maker.
Yes - Found the culprit.
Yes, thanks. That is what we plan to try next. Right now, it is quiet. Maybe removing some ice from the bin helped.
by sport
Sun May 17, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4293

Re: How did you feel after giving notice to retire?

[ I found that there are two positive feelings that come out of retirement. 1. The obvious one is freedom to do what you want whenever you wish. 2. Lack of stress. Every job has some stress associated with it. Commuting is stressful. Having to be on time can be stressful. Dealing with disagreeable ...
by sport
Sun May 17, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8601

Re: Vanguard Mutual Fund Platform EOL

Vanguard just says: "Joint accounts don't need beneficiaries. Joint accounts simply pass to the surviving owner." That sounds like a reasonable explanation. Unless the unlikely event that all joint owners die at the same time is there a reason for beneficiary? As long as couples ride in the same ca...
by sport
Sun May 17, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6272

Re: Alternatives to Craftsman Tools

Completely serious question; what makes Snap On tools worth the premium? I do a reasonable amount of small engine work with Home Depot tools and have never had an issue but perhaps I don’t know what I’m missing with a more high end brand? I once asked a mechanic why he preferred Snap On tools over ...
by sport
Sun May 17, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1442

Re: Refrigerator Malfunction

Ice makers are like the number one thing that goes out on a fridge, I've replaced several on my same fridge. Yours is probably going out, maybe a motor? The whole units are usually pretty easy and cheap to replace and somewhat universal. You just want to be careful as sometimes they can go out in a...
by sport
Sun May 17, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4293

Re: How did you feel after giving notice to retire?

I'm sure there are positive feeling too, but I'm not seeing many of them yet. I found that there are two positive feelings that come out of retirement. 1. The obvious one is freedom to do what you want whenever you wish. 2. Lack of stress. Every job has some stress associated with it. Commuting is ...