Search found 8096 matches

by sport
Thu Jul 18, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help me live off my retirement funds
Replies: 7
Views: 796

Re: Help me live off my retirement funds

I would have a target allocation for this group of 3 funds. I would withdraw from the fund(s) that were over my target percentage. You could also choose to sell lots with the highest cost basis to minimize taxes.
by sport
Thu Jul 18, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Microwave Fire
Replies: 12
Views: 536

Re: Microwave Fire

neilpilot wrote:
Thu Jul 18, 2019 2:50 pm
Subject to recall in 2016? https://www.cpsc.gov/Recalls/2016/whirl ... microwaves

check if the serial number is in the range TR33500000 to TR34899999
Thanks, I was not aware of that. Unfortunately, the number for my unit is not within that range.
by sport
Thu Jul 18, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Microwave Fire
Replies: 12
Views: 536

Re: Microwave Fire

LawEgr1 wrote:
Thu Jul 18, 2019 2:38 pm
We have a Whirlpool OTR microwave - similar age. Out of curiosity, what was the model # of the unit you had, and any feedback on if this is an isolated event or a trend?
Model # WMH 73521 CS - 3. No feedback on trends.
by sport
Thu Jul 18, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Microwave Fire
Replies: 12
Views: 536

Re: Microwave Fire

Could you please clarify: was the fire source the item being cooked, or a microwave component? If the former, I'd say Whirlpool went above and beyond. If the latter, I'd say getting the unit back to investigate the cause to determine if there is a design or manufacturing defect to address is a mini...
by sport
Thu Jul 18, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Microwave Fire
Replies: 12
Views: 536

Re: Microwave Fire

funktor wrote:
Thu Jul 18, 2019 2:23 pm
Glad to hear you were given good service by the manufacturer. Was it a manufacturer warranty?
No warranty. It only had the standard one-year warranty, long lapsed. Because it was a safety issue, they wanted the unit returned for evaluation. So, they made an offer and I accepted it.
by sport
Thu Jul 18, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Microwave Fire
Replies: 12
Views: 536

Microwave Fire

We have a Whirlpool over-the-range microwave, about 4 years old (1 year warranty). It recently caught fire inside during use. No damage other than the MW itself. I called a repair service to try to determine is it is a repair or replace situation. It is a $500 item. The service co. suggested I call ...
by sport
Wed Jul 17, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 4441

Re: "Objective" Importance of Keeping Your Physicians?

My DW feels strongly enough about physician continuity that she has some hesitancy in retiring to a new area where she will have to relearn the physician community. I wonder if others feel strongly enough about staying with their current physicians to avoid moving to a new area in retirement? I wou...
by sport
Wed Jul 17, 2019 10:13 am
Forum: Personal Investments
Topic: Vanguard government money market funds not available to organization accounts at Etrade
Replies: 8
Views: 226

Re: Vanguard government money market funds not available to organization accounts at Etrade

Vanguard Federal Money Market (VMFXX) and Vanguard Treasury Money Market (VUSXX) are available at Etrade and in fact are in the group of funds available for no trade fee. However the funds are unavailable, per Etrade, to organization and trust accounts. The purchase is disallowed through the online...
by sport
Sat Jul 13, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”
Replies: 21
Views: 2514

Re: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”

schooner wrote:
Sat Jul 13, 2019 7:00 am
Vanguard stopped setting their expense ratios at cost a while back
Can you provide a source for this?
by sport
Sat Jul 13, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 4441

Re: "Objective" Importance of Keeping Your Physicians?

I found it was not easy to change my PCP. I had the same PCP for many years, but he retired and I had to find another. He gave some recommendations, but one was for a Dr. I had a bad experience with, and the others were very young. I wanted a more experienced Dr. So, I asked my specialists for recom...
by sport
Sat Jul 13, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Sending an eCard For Birthday
Replies: 12
Views: 873

Re: Sending an eCard For Birthday

Actually professional cards, electronic or paper, are really not necessary. A hand written personal note on blank stationery is much nicer. It shows you took the trouble to write a nice sentiment. In keeping with Boglehead philosophy, it is also inexpensive.
by sport
Sat Jul 13, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Safe DIY Spider Control
Replies: 16
Views: 663

Re: Safe DIY Spider Control

Outside, we let spiders do their thing. They eat mosquitoes and other "bugs". Inside the house, we use a vacuum cleaner hose attachment.
by sport
Sat Jul 13, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: Tax cost stopping move to indexing
Replies: 68
Views: 3086

Re: Tax cost stopping move to indexing

If you keep the fund, you should stop any reinvesting of distributions. If you make charitable contributions, you can give appreciated shares instead of cash. Some people use a Donor Advised Fund for this purpose.
by sport
Thu Jul 11, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much homeowners insurance?
Replies: 16
Views: 1455

Re: How much homeowners insurance?

It should be noted that replacement cost and market value are two different things. If the value of your property is $XXX in the real estate market, it does not mean that you can replace the structure for that amount. Construction costs for labor and materials can be much higher.
by sport
Thu Jul 11, 2019 7:49 pm
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 1945

Re: Anyone else have VG phone reps push toward PAS?

I have received emails pushing the PAS. I once told a Vanguard rep that it was not completely honest to describe that service without mentioning that there are fees involved. They were not impressed with my opinion. I continue to get these email solicitations from time to time.
by sport
Wed Jul 10, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Why Is Cord Not Included?
Replies: 32
Views: 3835

Re: Why Is Cord Not Included?

Perhaps there are different connectors to the outlet and the stove manufacturer does not know which one(s) you have.
by sport
Wed Jul 10, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1289
Views: 121431

Re: S&P 500 hit 3,000 today

Thoughts? Reactions? Okay. Actionably: If one were just at the edge of a 5% rebalancing band, would now be the time to rebalance. . . or wait a bit longer. . ? j Which would be your bigger regret? 1. You rebalance and the market continues higher. 2. You wait to rebalance and the market drops. The a...
by sport
Sun Jul 07, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Buy a refrigerator at Sears?
Replies: 37
Views: 2547

Re: Buy a refrigerator at Sears?

Nowizard wrote:
Sun Jul 07, 2019 8:11 am
A warranty, I assume, is with the manufacturer, not the retailer.
I would not assume that at all. A retailer can get a lower price from the manufacturer by assuming warranty responsibility.
by sport
Sat Jul 06, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Chest freezer not quite cold enough
Replies: 11
Views: 678

Re: Chest freezer not quite cold enough

Are there any coils that need cleaning? A coating of dust can interfere with heat transfer.
by sport
Sat Jul 06, 2019 11:18 am
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2506

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

Is there any upper limit for these checks? My concern is potential fraud of someone taking my check for $250 and washing the amount to some much larger number. If check has my account # then I will be held responsible. You can open a separate MM fund with a limited amount of money and use that fund...
by sport
Sat Jul 06, 2019 9:38 am
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2506

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

Is there any upper limit for these checks? My concern is potential fraud of someone taking my check for $250 and washing the amount to some much larger number. If check has my account # then I will be held responsible. You can open a separate MM fund with a limited amount of money and use that fund...
by sport
Fri Jul 05, 2019 9:50 pm
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2506

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

Vanguard has had checks available for their MM funds and some bond funds for many years. I use them for making QCDs. While it is true that they are not regular bank checks, they function as though they are. Printed on each check is the statement "NOT VALID FOR LESS THAN $250.00". Also printed on eac...
by sport
Fri Jul 05, 2019 12:14 pm
Forum: Personal Investments
Topic: Question - Modified Adjusted Gross Income
Replies: 2
Views: 373

Re: Question - Modified Adjusted Gross Income

You have it right. Earned income is required to make contributions. Gross income is used to determine eligibility. Those are two different things.
by sport
Wed Jul 03, 2019 4:44 pm
Forum: Personal Investments
Topic: Do I need a financial advisor to protect myself from myself?
Replies: 46
Views: 3696

Re: Do I need a financial advisor to protect myself from myself?

That 1.15% is in addition to the ERs of the funds he put you in. What is the total fee percentage you are paying? It seems like a huge waste of money. If you want to play with investments, just do the 5% thing and let the rest grow for you at minimal cost.
by sport
Wed Jul 03, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Prescription drugs - how to determine country of origin?
Replies: 25
Views: 1610

Re: Prescription drugs - how to determine country of origin?

The pharmacy I use prints the name of the manufacturer on the label. I can look up that name to find the country for the manufacturer. That does not guarantee where it is actually manufactured, but gives a good clue. Many of the generics seem to come from India.
by sport
Wed Jul 03, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Smartest way to buy bigger home?? Advice please
Replies: 4
Views: 468

Re: Smartest way to buy bigger home?? Advice please

Cliffs notes version is this. I want to buy a home that will be approximately $250,000 more than my current home is worth (not on market yet but will sell quickly). If my plan is to pay the new home cash with both the sale proceeds of my current home and other holdings, what type of loan is best fo...
by sport
Wed Jul 03, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: What to let kids buy?
Replies: 39
Views: 2342

Re: What to let kids buy?

We bought the kids everything they needed. So, their spending was all for their "wants". We told them they could spend it any way they wished, but not on candy. When the older one wanted a boom box, we told him to save up his allowance. So, he did, and when he had enough money, he bought one. He too...
by sport
Tue Jul 02, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: drugstore prices
Replies: 20
Views: 1194

Re: drugstore prices

Does your insurance handle the *same* med in different ways, with different pricing, depending upon whether you use, say, CVS or Walgreens? Yes. Walgreens is "out of network", CVS is in network, but not preferred, and Rite Aid is in network preferred. In network but not preferred costs an additiona...
by sport
Tue Jul 02, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: drugstore prices
Replies: 20
Views: 1194

Re: drugstore prices

Avoid CVS, price shop at least. CVS priced a med at $46 with insurance company at 50pct, Sam's club had same med, same insurance at $17.56 Doesn't the insurance set the price for a specific med? As long as we are able to use insurance (and it's rare that we cannot), we'd pay the same no matter whic...
by sport
Tue Jul 02, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: drugstore prices
Replies: 20
Views: 1194

Re: drugstore prices

In my experience, CVS, Walgreens, and grocery stores are likely to be the most expensive. Walmart and Target should be better. In my area we have two discount drug chains that would be better choices. We have "Marc's" and "Discount Drug Mart" in the Cleveland area. If you have something similar in y...
by sport
Sun Jun 30, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 3420

Re: Trex decking or alternatives?

Do you really want to grab metal railings when they've been in the sun for a few hours? I had Lowe's install a metal Larson storm door, and I have to keep the window part open all summer, a real nuisance, otherwise the door gets hot as anything. I was even wondering about spontaneous combustion of ...
by sport
Sun Jun 30, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 3420

Re: Trex decking or alternatives?

Broken Man 1999 wrote:
Sat Jun 29, 2019 3:11 pm
Last time we used the thick sealant that must be rolled on. It was slower, but it has held up better than the earlier much thinner coatings that could be sprayed on.
Can you tell us the name of this better sealant? I would like to consider it for my deck.
by sport
Sat Jun 29, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: IRS Quarterly Payments From Vanguard Money Market?
Replies: 11
Views: 1036

Re: IRS Quarterly Payments From Vanguard Money Market?

I don't believe Vanguard allows transfers to anyone but your own bank account.
by sport
Sat Jun 29, 2019 11:20 am
Forum: Personal Investments
Topic: Invest Down Payment Short Term
Replies: 6
Views: 366

Re: Invest Down Payment Short Term

I would use Vanguard Treasury MM fund. You will not lose any money, it has a good yield and is exempt from state income taxes.
by sport
Sat Jun 29, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: where do I make 2008 Honda CRV Keys
Replies: 12
Views: 899

Re: where do I make 2008 Honda CRV Keys

I have no experience with them, but ACE Hardware advertises that they can replace and program auto keys.
by sport
Sat Jun 29, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: moving to higher tax bracket
Replies: 9
Views: 1290

Re: moving to higher tax bracket

You might want to consider making use of Qualified Charitable Distributions (QCDs). These will let you make donations from your traditional IRA and avoid the taxes on those distributions. They can even count towards your RMD. However, if you convert all of the IRA to a Roth IRA, then you will have ...
by sport
Fri Jun 28, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: how much to finance a new car at .9%
Replies: 57
Views: 3862

Re: how much to finance a new car at .9%

One other consideration. If you take the loan, and then the car gets totaled or stolen, the insurance will pay off the loan and that is the end of your savings. If you take the money, you have the savings no matter what happens to the car.
by sport
Wed Jun 26, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a insurance company
Replies: 16
Views: 821

Re: Help me choose a insurance company

I've used State Farm for many years. I have been satisfied.
by sport
Wed Jun 26, 2019 10:21 am
Forum: Personal Investments
Topic: Vanguard CDs vs bank CDs?
Replies: 13
Views: 1619

Re: Vanguard CDs vs bank CDs?

CDs through brokers seem to offer consistently lower returns - is that just the cost of convenience? Sometime direct CDs have higher rates, other times their rates are lower. They are different markets selling to different customers. Correction: The original quote was from "billthecat". . . . not I...
by sport
Wed Jun 26, 2019 10:12 am
Forum: Personal Investments
Topic: Vanguard CDs vs bank CDs?
Replies: 13
Views: 1619

Re: Vanguard CDs vs bank CDs?

Sandtrap wrote:
Tue Jun 25, 2019 9:55 pm
CDs through brokers seem to offer consistently lower returns - is that just the cost of convenience?
Sometime direct CDs have higher rates, other times their rates are lower. They are different markets selling to different customers.
by sport
Tue Jun 25, 2019 5:20 pm
Forum: Personal Investments
Topic: Vanguard CDs vs bank CDs?
Replies: 13
Views: 1619

Re: Vanguard CDs vs bank CDs?

This should answer most of your questions:

https://personal.vanguard.com/us/conten ... ontent.jsp
by sport
Tue Jun 25, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vision Insurance for ONLY (dependent) Spouse
Replies: 11
Views: 428

Re: Vision Insurance for ONLY (dependent) Spouse

We used to have vision insurance. Then we found that Costco was less expensive without insurance than the providers in the insurance plan. That was the end of vision insurance for us.
by sport
Tue Jun 25, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4638

Re: Am I falling into the trap of judging everything through cost lens?

Whether or not you buy the more expensive item can depend on whether or not the differences are important enough to you so that it is worth the extra cost. If you don't care about the differences, then it makes no sense to pay for them. If the differences are small, and the extra cost is large, then...
by sport
Sun Jun 23, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Premium vs Big Box outdoor furniture
Replies: 8
Views: 844

Re: Premium vs Big Box outdoor furniture

Costco caries a lot of outdoor furniture. Their products are usually of good quality and their prices are usually among the lowest for equivalent merchandise.
by sport
Sun Jun 23, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 45
Views: 4130

Re: Discounted Postage Stamps

I just read that beginning today, the USPS is implementing dimensional weight pricing on Priority Mail packages. I think I answered my own question. Unless it is permitted to place stamps on the sides and bottom of a package, the substantial increase in cost to mail packages over 1 cubic ft will re...
by sport
Sun Jun 23, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: depleting accounts in retirement
Replies: 43
Views: 8084

Re: depleting accounts in retirement

If you want to sell bonds, but they are all in your IRA, just exchange bonds for stock in the IRA and sell stock in taxable.
by sport
Sun Jun 23, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Daughter: Vanguard, Fidelity, or Something Else
Replies: 20
Views: 1580

Re: Helping Daughter: Vanguard, Fidelity, or Something Else

She already has an account at Vanguard. Maybe it would be easiest if she just changes banks.
by sport
Sun Jun 23, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Card - Binding arbitration opt-out?
Replies: 43
Views: 3719

Re: Chase Credit Card - Binding arbitration opt-out?

I received that same letter from Chase yesterday. My first thought was to opt out. I don't believe that it would really impact anything, but I do not like the one-sided approach on principle. The letter does not say that they will close my account if I opt out, although I have seen such things from ...
by sport
Sun Jun 23, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: moving to higher tax bracket
Replies: 9
Views: 1290

Re: moving to higher tax bracket

You might want to consider making use of Qualified Charitable Distributions (QCDs). These will let you make donations from your traditional IRA and avoid the taxes on those distributions. They can even count towards your RMD. However, if you convert all of the IRA to a Roth IRA, then you will have l...
by sport
Sat Jun 22, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA [contribution limit question]
Replies: 8
Views: 691

Re: Traditional IRA

Rollovers are not "contributions". There is no limit on rollovers.