Search found 7158 matches

by sport
Sat Sep 22, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 16
Views: 759

Re: How to get rid of rabbits

Ruger wrote:
Sat Sep 22, 2018 9:56 pm
Trapping works very well. Trap and relocate.
Relocating wildlife is illegal in my area.
by sport
Sat Sep 22, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 123
Views: 9470

Re: Did you really have something to retire to?

I don't think you have to have something to retire to. Isn't the whole point you do not have to do anything. Except keep paying bills. If you want to do something else, great. If you do not want to, that is up to you. I expect my first years or so will be spent declutting my house. And reading book...
by sport
Sat Sep 22, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: New Type of Home "Loan"
Replies: 9
Views: 745

Re: New Type of Home "Loan"

I got one as well. I bet you they will try to price your house way below market so that they will get a larger percentage of ownership up front. The 3.9% is just like a “front load” fee. They just want to cast their net wide for the unsuspecting (seniors). The amount they quoted for my house is 20%...
by sport
Sat Sep 22, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: New Type of Home "Loan"
Replies: 9
Views: 745

New Type of Home "Loan"

I received a solicitation for something I have never seen before. A company is offering to give me between 5% and 20% of the value of my house, interest free. There is a one-time 3.9% fee. The conditions are that when you sell the house, or 30 years passes, that company will get a proportional share...
by sport
Sat Sep 22, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 27
Views: 3477

Re: Which Funds to Take RMD From

Thanks David! So even if one invests in a vanguard total bond index fund they would have to pay taxes on dividends even before they sell their holdings? Yes, but that isn't quite the argument for holding stocks in a taxable account. You pay taxes on dividends from either bond or stock funds. But bo...
by sport
Sat Sep 22, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3139

Re: Out of Market

OP stated that he/she was considering brokered CDs at Vanguard. There is no early withdrawal for those. If you want to cash out early, you must sell on the open market. If rates go up, the value of the CD goes down. Then, you have market spread to deal with. So, it is best to hold those CDs to matu...
by sport
Fri Sep 21, 2018 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3139

Re: Out of Market

A number of credit unions and banks offer 5 years CDs with small early withdrawal penalties. 6 month interest penalty is the most common although there are some better out there. That means the worst you can do if interest rates sky-rocket and you decide to cycle your CD early would be a total retu...
by sport
Fri Sep 21, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3139

Re: Out of Market

The 5 year terms are yielding over 3%, some portion allocated to 5 year bucket increases return, the risk is inflation, but with 20% in 5 year terms, you are not overly exposed to it. In addition to the risk of inflation, there is also opportunity risk. That means that if interest rates rise during...
by sport
Thu Sep 20, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Penfed car buying service
Replies: 3
Views: 384

Re: Penfed car buying service

If you are a Costco member, they have a nice car buying service too. You could compare the two services. You might find one a lot better than the other.
by sport
Thu Sep 20, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs vs Traditional Mutual Funds
Replies: 5
Views: 406

Re: Vanguard ETFs vs Traditional Mutual Funds

EyeDee wrote:
Thu Sep 20, 2018 10:21 am
Is this a sign that Vanguard is abandoning the traditional mutual fund holder who does not want to use ETFs?
Not likely.
by sport
Thu Sep 20, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3342

Re: Where do you buy CPAP replacement parts?

After paying a small co-insurance amount to Apria Healthcare, I read the bill and saw that as a Medicare member, I can get my supplies for free. I called them, and apparently my supplies will be provided from now on. Wheeee! Is this accurate? I have been on Medicare for 10 years and always paid a 2...
by sport
Wed Sep 19, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 123
Views: 9470

Re: Did you really have something to retire to?

I retired to a life with less stress. I am worried to a life with more stress if there is no specific plans. Even without a plan, you get to do whatever you wish. You can pursue your hobbies. If you don't have any hobbies, you can always start a new one or two. Here is one that I have really enjoye...
by sport
Wed Sep 19, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Fee Only Advisor Cost
Replies: 4
Views: 355

Re: Fee Only Advisor Cost

It would depend on the cost of living in your area. Rates in Iowa would be different than San Francisco.
by sport
Wed Sep 19, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 123
Views: 9470

Re: Did you really have something to retire to?

I retired to a life with less stress.
by sport
Tue Sep 18, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: "Taking" RMDs
Replies: 18
Views: 1614

Re: "Taking" RMDs

What would happen with RMDs if your account was filled only with assets that are lumpy (e.g., a dozen shares of AMZN at $1941 per share), or illiquid (e.g., shares of a non-publicly-traded stock, like a family farm)? You would have to either liquidate part of the holding, or transfer the ownership ...
by sport
Tue Sep 18, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 5754

Re: Chase Bank is the Devil

Over my life, I've noticed a pattern- over time, good businesses I patronize end up not so good, even bad. Things change. They get bought out. New people get in charge. They decide the bottom dollar is more important than customer retention and good word of mouth referrals. So I stopped expecting a...
by sport
Tue Sep 18, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Money Market account in a Roth quick question
Replies: 6
Views: 457

Re: Money Market account in a Roth quick question

Roth contributions require earned income, and are part of your total IRA limit per year. There are also limits on income to be eligible for Roth contributions. Rollovers are different.
by sport
Tue Sep 18, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 5754

Re: Chase Bank is the Devil

When I left my bank after having an account for 40 years, they did not even send me a letter to ask why I was leaving. They also never sent any offers to have me return to them. Apparently, they did not care.
by sport
Tue Sep 18, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: "Taking" RMDs
Replies: 18
Views: 1614

Re: "Taking" RMDs

I first make QCDs throughout the year. Then I sell the remaining RMD amount and have federal tax withheld from the proceeds. I have to pay state tax a different way because Vanguard will not withhold for my state.
by sport
Tue Sep 18, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 5754

Re: Chase Bank is the Devil

There was a time when I became really unhappy with my bank. I found another bank. There are plenty to choose from.
I had been their customer for 40 years.
by sport
Tue Sep 18, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1481

Re: Inexpensive source for greeting cards?

If you really want to save money on greeting cards, just use some blank stationery and write your own. A hand-written note is nicer than a printed card anyway and shows you took the time to think about the recipient. It adds a personal touch.
by sport
Tue Sep 18, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1678

Re: Spectrum Cable TV Charges

One new thing irritates me : when surfing the channels I have to pass through channels we do not have, and with possibly a wrong click I could sign up for it.... An easy way around this problem is to surf through the "guide" instead of the actual channels. Then, when you find something you want to ...
by sport
Mon Sep 17, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: rmd for IRAs at multiple institutions
Replies: 18
Views: 1189

Re: rmd for IRAs at multiple institutions

I don't actually calculate my RMDs. Fidelity, and Vanguard, tell me each year what the RMD for my account with each will be. All I do is make the withdrawals. My choice whether to taker it all from one, or part from each, so long as the total is right. It is worthwhile to calculate your RMDs to ver...
by sport
Mon Sep 17, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1678

Re: Spectrum Cable TV Charges

blevine wrote:
Mon Sep 17, 2018 6:59 pm
Come on, it’s a game. They always find a deal if you call and threaten to leave.
That is also true. However, in this case, they sent a list of their current fee schedule and it is less than what I have been paying. If I get a deal on top of that, it would be cheaper yet.
by sport
Mon Sep 17, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1678

Spectrum Cable TV Charges

We have Spectrum cable TV that was previously Time Warner Cable. We have been billed according to the Time Warner rate schedule. I spoke to a CSR at Spectrum today and learned that I can get lower rates by migrating from the Time Warner offerings and rates to the Spectrum offerings and rates. There ...
by sport
Sun Sep 16, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Equity allocation for Flagship clients?
Replies: 47
Views: 3765

Re: Equity allocation for Flagship clients?

As often quoted on Bogleheads, asset allocation is (should be) determined by your willingness, need, and ability to take risk. When an investor has substantial assets, their ability to take risk increases. However, their need to take risk decreases. So, it comes down to willingness, which is a perso...
by sport
Sun Sep 16, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 396
Views: 57357

Re: 2-year CDs at Vanguard and Fidelity Today

If you cannot cancel an order on-line, perhaps a phone call will do the job.
by sport
Sat Sep 15, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary unallowed in joint taxable -move to single acct?
Replies: 10
Views: 734

Re: Beneficiary unallowed in joint taxable -move to single acct?

When we got married, our attorney advised that we keep all accounts, other than a joint checking account for paying bills, separate. That means instead of joint accounts, we each have accounts in our own names. If there is ever an occasion where either of us is sued for something, only the accounts ...
by sport
Sat Sep 15, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Car Expenditures
Replies: 19
Views: 736

Re: Thoughts on Car Expenditures

OP talks about "average" income and "average" car prices. You have to be careful when talking about averages. The average net worth of Bill Gates and a homeless person is a very large number. However, it does not mean that they are both wealthy.
by sport
Fri Sep 14, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: how to get out of a company 401k
Replies: 5
Views: 558

Re: how to get out of a company 401k

She could quit the job, roll over the 401K into an IRA, and then ask to be rehired.
by sport
Fri Sep 14, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Any cello players here?
Replies: 6
Views: 312

Re: Any cello players here?

When my kids played in the band and orchestra, I found this company to be a good source for all things musical. It was recommended to me by DD music teacher.
https://www.wwbw.com/Cellos.wwbw?typeAheadRedirect=true
by sport
Fri Sep 14, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3174

Re: How to help teenager fix silly mistakes in math?

A really fast way to check math equations is to use Casting Nines or casting out nines. I’ve done this since elementary school to catch stupid errors. Ex. 578 +123 ——— Add digits, but whenever there is a 9 or digits add to 9, omit them. You can keep adding individual digits to speed things along. K...
by sport
Thu Sep 13, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 9
Views: 567

Re: Windows 10

I just had updates the last two days for Windows 7. It seems it takes a long time "to get things right".
by sport
Thu Sep 13, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance - Price vs. Quality
Replies: 21
Views: 1561

Re: Homeowner's Insurance - Price vs. Quality

I have two suggestions:
1. Have all your casualty insurance with one company. This would include auto, personal articles, etc. The insurance companies give discounts for having multiple policies.
2. Pay the premium annually rather than monthly. There is often an extra charge for monthly payments.
by sport
Thu Sep 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3174

Re: How to help teenager fix silly mistakes in math?

DW works in the schools. Her advice is to ask the school for advice. There may be a guidance counselor, psychologist, or specialist who can provide professional advice.
by sport
Thu Sep 13, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3778

Re: Is home alarm monitoring worth it?

Police response time will vary depending on jurisdiction and perhaps location within the jurisdiction. Some communities have diligent police presence, others not so much. So, any experiences you read about on the internet are merely anecdotal. It should also be noted that some communities will fine ...
by sport
Thu Sep 13, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 21
Views: 1154

Re: Going to the Everglade. A few questions please.

The one time I was in the Everglades, we were attacked by a swarm of hungry mosquitoes. Bring insect repellent.
by sport
Thu Sep 13, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding from RMD'S
Replies: 10
Views: 860

Re: Withholding from RMD'S

V will withhold for federal taxes and state taxes for some states. The money withheld goes to the appropriate government(s) and gets reported to you on your 1099-R. V has a rule that federal withholding must be at least 10% of the amount withdrawn. Beyond that, it can be any amount you wish. V will ...
by sport
Thu Sep 13, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Question for RMD'ers with predominantly bond IRAs
Replies: 11
Views: 887

Re: Question for RMD'ers with predominantly bond IRAs

The bond holding in my IRA is split between Intermediate Term Inv Grade, and Short Term Inv Grade. I have been moving my RMD to Ultra Short Term bond fund at the beginning of the year. I then use that fund for QCDs and the remainder of my RMD. Federal income taxes are withheld from the RMD. Vanguard...
by sport
Wed Sep 12, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5781

Re: Lab test prices - exasperating!

If I pay cash for labs, I know the price. If I run it through insurance, the lab inflates the price and then I have to pay the inflated price since it goes towards my deductible. I learned the hard way. I was charged a ridiculous amount because it was run through my insurance. I just got labs recen...
by sport
Wed Sep 12, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2710

Re: Picking a Charity

It's a very personal decision. I tend to choose local charities that I feel don't get a lot of attention and that don't constantly bug me for money, e.g., the local public library, local drug rehabilitation programs, local women's shelters, local children's homes. Not to dissuade you from local cha...
by sport
Wed Sep 12, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2802

Re: Laddered CDs

With Fidelity you have the option to auto roll them. This might be the situation where direct issue CDs from FDIC insured bank or NCUA backed credit union might be preferable to brokered CDs. Direct issue CDs can, normally, be redeemed early (with a penalty), can compound the interest and can renew...
by sport
Wed Sep 12, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2710

Re: Picking a Charity

I have started to donate to Smile Train. They provide cleft palate surgery for free to poor children in the third world. It allows these children to have normal happy lives, instead of being shunned by their society. The cost for doing this is $250 per child. I feel that giving a child a normal life...
by sport
Wed Sep 12, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5781

Re: Lab test prices - exasperating!

I am not yet on Medicare. I hope they cover Vit D testing as I struggle to keep it where the doc wants it. If the price is anywhere around $200 that would be a shock if not covered. I know what that test is billed to large corporate customers and it is a tiny fraction of $200. I hope my doc has som...
by sport
Wed Sep 12, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2802

Re: Laddered CDs

With Fidelity you have the option to auto roll them. This might be the situation where direct issue CDs from FDIC insured bank or NCUA backed credit union might be preferable to brokered CDs. Direct issue CDs can, normally, be redeemed early (with a penalty), can compound the interest and can renew...
by sport
Wed Sep 12, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1282

Re: Implementing a QCD at Fidelity

So, if challenged, you can argue that you never had possession of the contribution. It was withdrawn from the IRA directly to the charity checking account. I like this. It is simple and you are in control without having to fill out forms with Fido, wait for checks, worry whether they got lost in th...
by sport
Wed Sep 12, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 22
Views: 1510

Re: Opinion's: Best time to withdraw RMD's when required to do so.

I want to be able to make QCDs throughout the year as some of them are not planned in advance. So, I make those QCDs and then withdraw the balance of the RMD late in the year. I have enough income tax withheld to meet the safe harbor rules at that time. QCDs are a wonderful tax break, and should not...
by sport
Wed Sep 12, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1282

Re: Implementing a QCD at Fidelity

Just to be clear: is an annual acknowledgment listing the total donated (maybe with itemizations) or must there be one for the QCD? Thanks The acknowledgements come from the charities that receive the QCD. The IRA custodian sends a 1099-R that shows withdrawals. The 1099 does not separate QCDs from...
by sport
Tue Sep 11, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: RMD will turn 70 in Nov. 2018
Replies: 22
Views: 1732

Re: RMD will turn 70 in Nov. 2018

I turn 70 and 1/2 on December 28, 2019. But I won't know the amount my RMD is based on until Dec. 31, correct? Which means I can't make a payment until January 2020 at the earliest. It sounds like I have to make two payments in 2020? Every year the RMD amount is determined on December 31st I though...
by sport
Tue Sep 11, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: RMD will turn 70 in Nov. 2018
Replies: 22
Views: 1732

Re: RMD will turn 70 in Nov. 2018

That is correct.