Search found 9445 matches

by sport
Fri Sep 18, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 40
Views: 1462

Re: Ring for a new girlfriend

Perhaps surprisingly, Costco.com has some very nice jewelry. There is a wide range of prices up to very expensive.
Here are some examples https://www.costco.com/gold-bracelets.html
by sport
Fri Sep 18, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: OLD papers
Replies: 21
Views: 1035

Re: OLD papers

Dottie57 wrote: Fri Sep 18, 2020 10:07 am Buy a shredder and do the shredding yourself. The put in recycling.
In my community, they do not want shredded paper in the recycling. We put it in the trash.
by sport
Thu Sep 17, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: New York Life - Invest as Favor for Friend
Replies: 35
Views: 1464

Re: New York Life - Invest as Favor for Friend

Perhaps disability insurance?
by sport
Wed Sep 16, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 2989

Re: What is the best company for auto/property/renters/umbrella insurance?

I have been happy with State Farm. Claims experience has been very good and the prices seem to be reasonable. I had State Farm years ago for homeowners and flood, and they were horrible when I had a flood claim. They were so bad that the state sued them as many people were affected by the flooding ...
by sport
Wed Sep 16, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 36
Views: 1687

Re: HVAC Service Contracts & Annual Service

Annual maintenance can extend the life of your units and also detect small problems before they turn into big problems. I had a guy in earlier this year who detected one coil was a bit low on refrigerant in a 2-year old unit. He refilled it and said we'll keep an eye on it and if it has a slow leak...
by sport
Wed Sep 16, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10200

Re: Grocery store didn't tell me Shingrix was $160

RudyS wrote: Wed Sep 16, 2020 1:25 pm I had to pay about that amount, but knew up front that Medicare would not cover it, nor my drug coverage.
My Medicare Advantage plan paid the full cost. The grocery pharmacy even gave me a $5 coupon to use in the store.
by sport
Wed Sep 16, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 36
Views: 1687

Re: HVAC Service Contracts & Annual Service

This is really two questions in one: Annual service for cooling, and annual service for heating. IMO annual service for cooling is optional because if the AC goes out, we can survive for a few days without it until it gets repaired. OTOH, if the heat goes out when it is really cold, we could have a ...
by sport
Wed Sep 16, 2020 10:58 am
Forum: Personal Investments
Topic: Whether to lapse term life insurance
Replies: 21
Views: 1351

Re: Whether to lapse term life insurance

I had a similar situation. I had a 20-year term policy I bought when I was 45. At age 62, I retired and there were 3 years left before the rate made a huge jump. I decided that since we had enough money for me to retire, we did not need the insurance. So, I let it lapse, even though it was cheap ins...
by sport
Wed Sep 16, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Tiffany Quality
Replies: 35
Views: 2602

Re: Tiffany Quality

If you are looking for fancy glass items, perhaps you can find something here: https://www.lalique.com/en
by sport
Tue Sep 15, 2020 5:58 pm
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4165

Re: Moving my wife's investments to Schwab?

UPDATE: To my Boglehead friends. We are transferring my spouse's Rollover and Roth IRAs to Schwab ( and adding a money market brokerage settlement account). The Schwab agency here is a franchise, not a company agency. I didn't realize that it was a franchise until we interviewed him. He said his wa...
by sport
Tue Sep 15, 2020 2:44 pm
Forum: Personal Investments
Topic: Whether to lapse term life insurance
Replies: 21
Views: 1351

Re: Whether to lapse term life insurance

toocold wrote: Tue Sep 15, 2020 8:48 am DW likely doesn't know that I have life insurance, but it's good advice to talk with her.
If you want her to get the money if you die, she had better know about the policy (unless someone else knows and cares). The insurance co. will not pay unless someone files a claim.
by sport
Tue Sep 15, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 165
Views: 10630

Re: PSA: switch to LED light bulbs and save hundreds per year

I noticed that when I changed a room from soft white to daylight, there was a greater tendency for people to forget to turn the lights off Similar color temperature notwithstanding, if there is enough daylight in the room the lights go unnoticed, why turn them in the first place? We turn on the lig...
by sport
Tue Sep 15, 2020 9:21 am
Forum: Personal Investments
Topic: Hiring my first employee, so will have to lose my Solo 401(k). What to do now?
Replies: 13
Views: 1508

Re: Hiring my first employee, so will have to lose my Solo 401(k). What to do now?

Can you hire your employee via an employment agency? The employee would then be employed by that company instead of yours and you would legally have no employees. It would probably cost more, but you would have the freedom to continue your existing retirement plan.
by sport
Tue Sep 15, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 47
Views: 3395

Re: How old is a car that can still be traded in?

People need to understand that when they trade in a car what they are essentially doing is paying a dealer a steep fee to sell their car for them. The dealer will at most give you wholesale or less than wholesale because they have to take on the time, risk, and hassle of selling your car for you. S...
by sport
Mon Sep 14, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 2989

Re: What is the best company for auto/property/renters/umbrella insurance?

I have been happy with State Farm. Claims experience has been very good and the prices seem to be reasonable.
by sport
Mon Sep 14, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1009

Re: Coin and stamp values online?

For stamps, you can most likely find a Scott Catalog in the library. Scott sets a minimum value per stamp. So, The total for a bunch of common (junk?) stamps is meaningless. For stamps of significant value, you would be lucky to get 10% of Scott from a dealer. Maybe do better on eBay as others have...
by sport
Mon Sep 14, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 47
Views: 3395

Re: How old is a car that can still be traded in?

In my experience, the dealer will take anything. Just maybe not a true antique or exotic car. If he doesn’t want to keep it on his lot, he’ll wholesale it off. Not true. I purchased a vehicle from a new car dealer and had an 11 year old car in good condition with only about 75k miles and the dealer...
by sport
Mon Sep 14, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1009

Re: Coin and stamp values online?

For stamps, you can most likely find a Scott Catalog in the library.
by sport
Mon Sep 14, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 47
Views: 3395

Re: How old is a car that can still be traded in?

A dealer can accept almost any car in trade. If it is too old to be put on their used car lot, they can just auction it off.
by sport
Thu Sep 10, 2020 10:14 pm
Forum: Forum Issues and Administration
Topic: Amazon Rebate to Bogleheads
Replies: 6
Views: 1355

Re: Amazon Rebate to Bogleheads

Thank you to those who answered my question.
by sport
Thu Sep 10, 2020 1:36 pm
Forum: Forum Issues and Administration
Topic: Amazon Rebate to Bogleheads
Replies: 6
Views: 1355

Amazon Rebate to Bogleheads

I understand that if we make a purchase on the Amazon website via the link on the Bogleheads page, that Amazon provides a rebate to the Bogleheads. Can you share the amount of the rebate? Is it a flat amount, or a percentage of the purchase?
by sport
Wed Sep 09, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Fridge not cooling properly
Replies: 17
Views: 967

Re: Fridge not cooling properly

I have a GE Profile Arctica Top Freezer refrigerator that was purchased in 2003. It exhibited the same symptoms the OP described about 5 years later, outside the warranty period. A tech replaced the mother-board at 1/3 the initial cost of the refrigerator. If I had just paid the diagnosis fee, it w...
by sport
Wed Sep 09, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Fridge not cooling properly
Replies: 17
Views: 967

Re: Fridge not cooling properly

I have a GE Profile Arctica Top Freezer refrigerator that was purchased in 2003. It exhibited the same symptoms the OP described about 5 years later, outside the warranty period. A tech replaced the mother-board at 1/3 the initial cost of the refrigerator. If I had just paid the diagnosis fee, it w...
by sport
Wed Sep 09, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 3668

Re: Buying Fine Art - advice needed.....

I would research the dealer's reputation and see what past customers think of him/her/them several years after their purchase. If they are honest and highly regarded, I would feel more confident in their evaluation of the painting. (I am currently in a similar situation regarding something I want t...
by sport
Wed Sep 09, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 3668

Re: Buying Fine Art - advice needed.....

We bought a pair of beautiful Chinese pictures hand-painted on silk. It turned out that they are very good copies of museum pieces in China. However, the price was reasonable considering the really nice frames they are in.
by sport
Tue Sep 08, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund vs. Debt Paydown
Replies: 21
Views: 1321

Re: Emergency Fund vs. Debt Paydown

If you still have the credit card(s) with the 15K balance, do not make any new charges on those cards. You will pay interest on the new charges starting with the day of the charge. If you use a credit card, use a different one with no balance and pay it off in full each month. That will avoid paying...
by sport
Mon Sep 07, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Checkwriting money market fund at Vanguard
Replies: 6
Views: 715

Re: Checkwriting money market fund at Vanguard

I think the handwriting is on the wall. Vanguard would prefer you ACH funds to a bank (or credit union) to write a check. Have to assume it is cheaper for them to process an ACH transfer than to process a check. It may be a slow death but I'd continue to expect Vanguard checkwriting benefits to dec...
by sport
Sun Sep 06, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2205

Re: Dental Insurance

Dentist here. Just because dentist is a part of insurance network, it doesnt mean that he/she is unskilled. This holds especially true for younger dentists in hcol area. It is very difficult to differentiate good vs bad dentist. Just because one has great chairside manner, it doesnt translate to go...
by sport
Sun Sep 06, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2205

Re: Dental Insurance

The dental insurance I’m familiar with had a large co-pay (50%) and a low annual cap. It covered 2 cleanings a year. Many people say between paying full premium and the annual cap it was pretty much a coin toss. Good dentistry requires skill and the good dentists aren’t going to accept some insurer...
by sport
Sun Sep 06, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2205

Re: Dental Insurance

In my experience, dental insurance has a maximum annual payment of $1500. So, when you really need it for something big, it does not help very much. I also find that our dentists are not part of the network. So, for example, if there is a procedure that costs $500, the insurance will allow $320 and ...
by sport
Sat Sep 05, 2020 4:52 pm
Forum: Personal Investments
Topic: How do I protect my investments moving forward?
Replies: 17
Views: 2123

Re: What do I do with my money market fund money?

A good alternative would be a high yield savings account. These are available on-line. I don't agree with your accountant. At age 62 you could easily live another 30 to 35 years. 20% maximum for equities may not provide the inflation protection you need. You would have to provide more of your financ...
by sport
Sat Sep 05, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: advice for light switch timer
Replies: 44
Views: 1727

Re: advice for light switch timer

I installed a timer switch in the bathroom to time the exhaust fan. We want it to run after we leave the room and we were forgetting to go back to turn it off. It is similar to the timer switch you see in hotel bathrooms. It has worked flawlessly for 14 years now. It was a direct swap out for the re...
by sport
Sat Sep 05, 2020 11:32 am
Forum: Investing - Theory, News & General
Topic: Early withdrawing CDs...problems or hidden expenses?
Replies: 10
Views: 603

Re: Early withdrawing CDs...problems or hidden expenses?

Some banks may allow a partial early withdrawal from a CD, and paying the penalty on that amount only, instead of the entire amount. You would have to determine that for any particular bank.
by sport
Fri Sep 04, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Question about shopping for home insurance
Replies: 26
Views: 1055

Re: Is this a good homeowner's insurance quote?

Did you get a quote from the company that you insure your vehicles with? There is often a discount for multiple policies. You might want to also shop the package of all your policies.
by sport
Thu Sep 03, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 20
Views: 806

Re: Do I need life insurance?

You don't have an advisor. You have a salesman. Would you ask a used car salesman which car on the lot you should buy?
by sport
Thu Sep 03, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4165

Re: Moving my wife's investments to Schwab?

Sheepdog,
Do you have any children or other trustworthy relatives that would be able to assist your DW if/when you are unable to do so?
If so, that could eliminate the need to move from Vanguard.
by sport
Wed Sep 02, 2020 4:46 pm
Forum: Personal Investments
Topic: Index ETF vs mutual fund in a taxable account
Replies: 5
Views: 544

Re: Index ETF vs mutual fund in a taxable account

To follow up on grabiner's post, it is often suggested that money needed within 5 years should not be invested in the stock market. Some people even say within 10 years. Since you are looking at 5 to 7 years, your strategy is questionable. If you decide to go ahead, after 2 years, your time for usin...
by sport
Tue Sep 01, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: Electric shaver
Replies: 18
Views: 1174

Re: Electric shaver

I have used a Norelco for many years and I'm happy with it. I have not compared it to the others mentioned above. You can get a Norelco at Costco, so the cost will be reasonable.
by sport
Mon Aug 31, 2020 4:33 pm
Forum: Investing - Theory, News & General
Topic: Best place to place cash given low yields of MM funds?
Replies: 7
Views: 1347

Re: Best place to place cash given low yields of MM funds?

One problem with using a bond fund for expenses is that each sale of fund shares is a taxable event. Each of these events must be documented when you file your income taxes. Using a HY savings account avoids this problem.
by sport
Mon Aug 31, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Cleveland Area Living
Replies: 14
Views: 1056

Re: Cleveland Area Living

The areas where you will be working are on the West Side. Of course, the West Side would also be more convenient for travelling back and forth to Indianapolis. So, I would think you would want a West Side location. I am an "Eastsider" and therefore not too familiar with the neighborhoods on the othe...
by sport
Sat Aug 29, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: Home Equity & Asset Allocation
Replies: 15
Views: 1183

Re: Home Equity & Asset Allocation

Welcome to the forum. I don't consider home equity at all when choosing an AA. While it is certainly part of my net worth, it is not part of my investment portfolio. I am retired and our home has long been paid off. It is not practical to use the house equity for rebalancing, tax loss harvesting, et...
by sport
Fri Aug 28, 2020 1:14 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17476

Re: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]

heartwood wrote: Fri Aug 28, 2020 12:54 pm
Since Treasury MM VUSXX is reopened is there any/enough reason to at least put a placeholder amount in that fund?
The minimum initial investment is $50K.
by sport
Thu Aug 27, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Prime Money Market changes, gets new name. Treasury Money Market reopened]
Replies: 176
Views: 17476

Re: Vanguard Makes Changes to its Money Market Funds - What's Best Now?

So how different are the "new improved" Vanguard Cash Reserves Federal MM fund and the Treasury MM fund, especially in terms of safety? I doubt the returns will be much different, and especially not when it's all so close to the floor. RM agreed, but haven't compared the two funds (can't until they...
by sport
Wed Aug 26, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: "Turning 401(k) Plans into Lifetime Investments"
Replies: 47
Views: 4362

Re: "Turning 401(k) Plans into Lifetime Investments"

I note within the article, it states: "That is what insurance companies desire. By its own admission, the Insured Retirement Institute, which represents companies that sell annuities (along with any other insured retirement strategies), “fought hard” to include this provision in the SECURE Act. Ulti...
by sport
Tue Aug 25, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Preparer Documentation for Indirect Rollover and QCD
Replies: 11
Views: 508

Re: Tax Preparer Documentation for Indirect Rollover and QCD

The only documentation that exists for a QCD are your personal records and a letter of receipt from the charity. The 1099 just includes it as part of your ordinary distributions.
by sport
Mon Aug 24, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2144

Re: Can any InstaCart shoppers give me a shoppers-eye view...

I used to have an Instacart account, but I deleted it in May, 2020 after my experience with an order from Costco, shopped and delivered by Instacart. The shopper left her shopping receipt in one of my packages, allowing me to see the price she was charged. (All other orders I had placed through Ins...
by sport
Sun Aug 23, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2144

Re: Can any InstaCart shoppers give me a shoppers-eye view...

I have one item that has been shopped incorrectly multiple times. So, what I have done is send a note to the shopper while he/she is shopping and ask them to verify that the item is what I requested. For example: "Just to verify, is that jar of applesauce the 32 ounce size?" I have found this works ...
by sport
Sat Aug 22, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 165
Views: 10630

Re: PSA: switch to LED light bulbs and save hundreds per year

I have some indoor flood lights in my kitchen ceiling. I believe they are PAR30 size. I am using 1000 lumen incandescent bulbs because the LED replacements I have found are only 850 lumens, and I want the amount of light I have. Here is one that is 1050 lumens. https://www.1000bulbs.com/product/998...
by sport
Sat Aug 22, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 165
Views: 10630

Re: PSA: switch to LED light bulbs and save hundreds per year

I have some indoor flood lights in my kitchen ceiling. I believe they are PAR30 size. I am using 1000 lumen incandescent bulbs because the LED replacements I have found are only 850 lumens, and I want the amount of light I have.
by sport
Sat Aug 22, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5
Replies: 41
Views: 5406

Re: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5

We used our Vanguard IRA last year for QCD distributions, but did it slightly differently than having Vanguard issue the check (which is likely Vanguard's preference). We have a checking account on the IRA account (which you can also do at Fidelity and Schwab) and write the checks out ourselves to ...