Search found 8039 matches

by sport
Tue Jun 18, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Card - Binding arbitration opt-out?
Replies: 36
Views: 2726

Re: Chase credit card arbitration agreement

Although you would probably never sue the bank, you could be part of a class action suit. You give that up if you agree to arbitration. If you do not agree, will they let you keep your account open? Using assumed numbers, if 90% of the people do not opt out, and automatically agree to binding arbit...
by sport
Mon Jun 17, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: 2013 Cadillac SRX - Corroded / Pitted Wheels
Replies: 9
Views: 463

Re: 2013 Cadillac SRX - Corroded / Pitted Wheels

Costco sells nice wheels.
by sport
Sun Jun 16, 2019 2:57 pm
Forum: Personal Investments
Topic: Watches as investments?
Replies: 19
Views: 1791

Re: Watches as investments?

Perhaps this would interest you . The member price is $45,999.99 https://www.costco.com/Rolex-President-Day-date-18kt-White-Gold-Mens-White-Dial-Automatic-Watch.product.100483769.html?langId=-1&krypto=Lm73xiotF2SnT7xicJ1bbvck6SRgmbJGOTSEMZ4AO0SZWUlIj10mzHkg9a%2BDosLGd%2F5oIcuNQcAkX7Da55iKR581b4XgozZ...
by sport
Sun Jun 16, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Alternatives to car rental for three months?
Replies: 53
Views: 3280

Re: Alternatives to car rental for three months?

Here is something I did once with success: Ask your relatives to contact their auto insurance agent, and inquire where the insurance company rents cars in their area when they have to provide a rental replacement for their clients. There may be local companies that you may know be aware of that woul...
by sport
Sun Jun 16, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 75
Views: 10617

Re: Is it a waste of money having your furnace checked every year?

I received a notice with my electric bill: The electric company (First Energy) is offering a $50 rebate for an HVAC tune-up, now through the end of the year.
by sport
Sun Jun 16, 2019 1:13 pm
Forum: Personal Investments
Topic: CDARS - Can anyone share experience?
Replies: 7
Views: 1007

Re: CDARS - Can anyone share experience?

I would never have a need for this service. However, out of curiosity, I looked at the list of banks in my state that offer this service. None of the major banks were listed. The list contained mainly small town banks that I have never heard of. I wonder what the reason for this would be.
by sport
Sat Jun 15, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching a 4 Year old donating with quarters
Replies: 13
Views: 1148

Re: Teaching a 4 Year old donating with quarters

My grandson is 4 years old. I don't believe he even knows what money is. Perhaps it is a little early to learn about donating.
by sport
Sat Jun 15, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 42
Views: 3262

Re: Mosquitos

Try to eliminate standing water. Things like blocked gutters, birdbaths, etc. Fill in any low areas so water will not collect.
by sport
Sat Jun 15, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: At what net worth/ income level would you put your kids in private school?
Replies: 23
Views: 1375

Re: At what net worth/ income level would you put your kids in private school?

At what net worth/ income level would you put your kids in private over public school? It is not only a question of affordability. There are both advantages and disadvantages to public vs. private school. It can depend on what is important to you. It would also depend on the particular schools invo...
by sport
Sat Jun 15, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3852

Re: Checks without my account number

Teresa Dixon Murray, a finance writer for the Cleveland newspaper, "The Plain Dealer", recently had an article on this subject. She addressed the problem of account numbers when the bank's bill pay service sends a paper check. Some banks show the account number, the same as when you write the check...
by sport
Fri Jun 14, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Alternatives to car rental for three months?
Replies: 53
Views: 3280

Re: Alternatives to car rental for three months?

You might ask a dealer about renting one of their used cars.
by sport
Thu Jun 13, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 86
Views: 8015

Re: How safe are pensions in the U.S.?

There was just a Frontline program on PBS called "The Pension Gamble". It is worth watching. They concentrated on the public pensions in Kentucky. It was not a pretty story.
by sport
Thu Jun 13, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Card - Binding arbitration opt-out?
Replies: 36
Views: 2726

Re: Chase credit card arbitration agreement

Although you would probably never sue the bank, you could be part of a class action suit. You give that up if you agree to arbitration. If you do not agree, will they let you keep your account open?
by sport
Wed Jun 12, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Hot Water Tank
Replies: 14
Views: 1479

Re: Hot Water Tank

d.r.a.

Many thanks for the detailed response. You have shared some valuable info.
by sport
Wed Jun 12, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Fixing financial "leakage" - what do you do?
Replies: 23
Views: 3295

Re: Fixing financial "leakage" - what do you do?

We have found that our Costco membership saves us a lot of money. Some items are too large for us to use, so we do not buy those. There are enough others to make our Executive Membership worthwhile for our family of two. The rebates exceed the cost of membership.
by sport
Tue Jun 11, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Hot Water Tank
Replies: 14
Views: 1479

Re: Hot Water Tank

All the connections are copper pipe. Changing the anode is beyond my capability.
by sport
Tue Jun 11, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Hot Water Tank
Replies: 14
Views: 1479

Hot Water Tank

I need to have my 50 gal Bradford White hot water tank replaced. The plumbers I have contacted want to install a new Bradford White tank. However there is one feature of the BW tank that I do not like. The anode rod is connected to the outlet pipe rather than having a separate connection. This means...
by sport
Mon Jun 10, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Bond fund distribution, NAV reduction
Replies: 7
Views: 578

Re: Bond fund distribution, NAV reduction

I understand that when a equity fund pays a dividend, the NAV is reduced accordingly. Does the same reduction in the NAV happen with a bond fund? I was reading the following from the wiki and if I understand it correctly the answer is no? It depends on the fund. Some accrue dividends daily and pay ...
by sport
Mon Jun 10, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3852

Re: Checks without my account number

Temporal Adventurer wrote:
Mon Jun 10, 2019 1:31 pm
So, which bill paying service contractors will protect my account number, and which banks or credit unions use those contractors?
Huntington Bank does not put your account number on their bill pay checks.
by sport
Sun Jun 09, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Camry Owners What Fluids do you flush if any on your car and how often
Replies: 11
Views: 1551

Re: Camry Owners What Fluids do you flush if any on your car and how often

What does the owner's manual recommend? That is your best guide.
by sport
Sun Jun 09, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3852

Re: Checks without my account number

Teresa Dixon Murray, a finance writer for the Cleveland newspaper, "The Plain Dealer", recently had an article on this subject. She addressed the problem of account numbers when the bank's bill pay service sends a paper check. Some banks show the account number, the same as when you write the check....
by sport
Sun Jun 09, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: Having lunch with a retiree
Replies: 16
Views: 2440

Re: Having lunch with a retiree

We go through a number of turning points in life; entering schools and graduations, jobs, marriage, kids ... They are all to the "positive" direction, but I cannot stop associating retirement with loss. I am anxious to know how they deal with this feeling - I may be biased. Yes, I lost things when ...
by sport
Sun Jun 09, 2019 9:38 am
Forum: Personal Investments
Topic: House fund and emergency savings fund
Replies: 4
Views: 450

Re: House fund and emergency savings fund

I would keep it separate. If you combine it into one allocation, then, when you make a down payment on a house, you will need to sell stocks to buy bonds. It might not be a good time to be selling stocks. There is nothing wrong with having a separate allocation for money with different time frames.
by sport
Sat Jun 08, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Repairing Jacuzzi Tub Faucet
Replies: 7
Views: 382

Re: Repairing Jacuzzi Tub Faucet

I had the cartridge replaced in a Moen faucet and it still leaked. I contacted Moen, and they advised that the faucet has to be cleaned out before the new cartridge is installed. They provided instructions on how to clean the faucet. They also sent another cartridge at no charge under warranty. The ...
by sport
Sat Jun 08, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8210

Re: Costco or Sam's Club?

The Kirkland Signature brand at Costco carries a guarantee that it will be at least as good as the national brands. If it is not, you can get a full refund. In some cases, Costco carries both the national brand and the Kirkland brand, and the Kirkland brand is more expensive because it is a premium ...
by sport
Fri Jun 07, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is IRA check writing a security risk?
Replies: 13
Views: 972

Re: Is IRA check writing a security risk?

.......................... Once a year I send the institution holding my IRA a letter asking for checks made out to charities I support, and have the checks mailed to me. This works great. But during the year I send a couple of 1-time contributions, usually related to family and friends deaths. Wit...
by sport
Thu Jun 06, 2019 10:09 pm
Forum: Personal Investments
Topic: Advice for son
Replies: 14
Views: 2025

Re: Advice for son

If he is in a low tax bracket, as it seems, it would be better to roll the money into a Roth. All the money would be taxed. However, if the tax rate is low, then that cost will be low and that money can then grow tax free until retirement. Investing in individual stocks is most likely a mistake. If ...
by sport
Thu Jun 06, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is IRA check writing a security risk?
Replies: 13
Views: 972

Re: Is IRA check writing a security risk?

I write checks on a MM fund in my IRA for QCDs. I keep a limited amount of money in that MM fund to limit exposure to fraud and errors. I use a gel pen for added security. The only "problem" is that Vanguard checks are imprinted "not valid for less than $250.00".
by sport
Thu Jun 06, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

Hand tools. If a cheap one breaks, you might get injured. In addition, they always break on a Sunday. What brands do you buy? I have not bought any for a long time because I already have all that I need. When I did buy them, I bought Craftsman when they were available only at Sears. I don't know if...
by sport
Wed Jun 05, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 57
Views: 4564

Re: Required Minimum Distributions

Y'all are confusing me. If you have to take out the RMD in the year you turn 70 1/2, why the heck wouldn't you take it Jan 2nd in that particular year? And not pay the tax in the associated income tax gain for 15 months? Cuz you owe the tax when the "income" is obtained, in your example by April 15...
by sport
Wed Jun 05, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Remove dead tree(s) from common ground?
Replies: 11
Views: 623

Re: Remove dead tree(s) from common ground?

OP, does your HOA have a professional manager in addition to the trustees? If so, the manager should handle these situations. We live in a development of similar size. Our bylaws require the HOA to hire a professional manager. The manager takes care of things such as contracting for landscaping, sno...
by sport
Wed Jun 05, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3092

Re: Refrigerator Advice

We have a stainless steel French door bottom freezer. The ice maker and water dispenser are inside. It is a GE. We like the unit, but it has been unreliable. I would not buy another GE appliance. We are also dissatisfied with the GE range and microwave we bought.
by sport
Wed Jun 05, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

Hand tools. If a cheap one breaks, you might get injured. In addition, they always break on a Sunday.
by sport
Wed Jun 05, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked
Replies: 28
Views: 1209

Re: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked

Our 2700 square foot house has four smoke detectors - basement (1), first floor (2 - top of basement stairs, hallway from kitchen to stairs to second floor), top of stairs on second floor). They are all stand-alone battery powered. I had an electrician at my house recently for something unrelated t...
by sport
Tue Jun 04, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5429

Re: Is it Wise to Remove Escrow if Bank Allows it?

Jack FFR1846 wrote:
Tue Jun 04, 2019 2:46 pm
Never had escrow, never wanted it. I see no advantage to handing someone my money in order for them to screw up a payment. I'll pay myself, thank you very much.
My reaction exactly!
by sport
Tue Jun 04, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8210

Re: Costco or Sam's Club?

My local Sam's Club closed up a few years ago due to "competition and lack of business". The competition is a Costco store which is successful.

I just bought gasoline at Costco at 40 cents per gallon below the prevailing neighborhood price.
by sport
Sun Jun 02, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to stay under FDIC limits
Replies: 20
Views: 1216

Re: How to stay under FDIC limits

When we deposit money in a bank account, we have a "feeling" that the money is "in the bank" waiting until we withdraw it. However, in actuality, the bank lends that money to borrowers. So, the bank does not have the money to pay its depositors if they all wanted their money at once. So, ordinarily,...
by sport
Sun Jun 02, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to stay under FDIC limits
Replies: 20
Views: 1216

Re: How to stay under FDIC limits

One easy way to stay within the limits is to use brokered CDs and get them from a variety of banks.
by sport
Sun Jun 02, 2019 11:39 am
Forum: Personal Investments
Topic: VMFXX & State Taxes
Replies: 4
Views: 322

Re: VMFXX & State Taxes

It depends on the tax laws in your state.
by sport
Sat Jun 01, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 57
Views: 4564

Re: Required Minimum Distributions

I make QCDs at various times throughout the year. In late November, I determine how much Federal Tax I need to pay and have that amount withheld when I withdraw the balance of my RMD. Vanguard will not withhold for my state. Note: You must have reached the age of 70.5 to make a QCD. RMDs can begin a...
by sport
Fri May 31, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14874

Re: Fun paid jobs after FIRE

I've thought about being a substitute teacher after I quit working my "real job." Local school district pays $135 per day, and are always looking for more substitute teachers. - no summer hours - decide each day whether I want to work - no planning stress - school lets out early/mid afternoon. Plen...
by sport
Wed May 29, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14874

Re: Fun paid jobs after FIRE

I'm retired. Work is a "four letter word".
by sport
Tue May 28, 2019 11:53 am
Forum: Personal Investments
Topic: CD - EF Strategy
Replies: 13
Views: 726

Re: CD - EF Strategy

Instead of 12 CDs, you could have 11 CDs and keep the 12th installment in a MM fund. The difference in yield would be small and you would avoid the EWP if you needed some cash.
by sport
Mon May 27, 2019 7:09 pm
Forum: Personal Investments
Topic: Capital One MMA or Vanguard MMMF??
Replies: 3
Views: 522

Re: Capital One MMA or Vanguard MMMF??

The Vanguard account has a higher yield. The bank account is FDIC insured. I use a Vanguard MM fund. You get to choose which you prefer.
by sport
Sun May 26, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11971

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

My target allocation is 35/65. My primary goal is capital preservation, not capital gains. The 35% should be enough to keep up with inflation, plus some growth. If the stock market drops 50%, then my loss will be in the 17% range. I feel that is something I can live with. My reasoning is "don't take...
by sport
Sun May 26, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: “Upsizing” are we foolish?
Replies: 62
Views: 7212

Re: “Upsizing” are we foolish?

If possible, I would suggest moving into a house where everything is on one level. Then, if you decide to stay there indefinitely, you will not have to deal with stairs as you get older. We moved from a 1700 sq ft house on three levels to a 2000 sq ft house on one level for a retirement home. The ne...
by sport
Sat May 25, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3892

Re: Where to buy products at TRUE wholesale prices?

If Costco Wholesale is really selling at "true wholesale" prices, then what price are *they* paying for the products? Wouldn't they go out of business? Or, I guess, what is the actual definition of "true wholesale price"? Costco buys in extremely high volume direct from producers. No ordinary busin...
by sport
Sat May 25, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3892

Re: Where to buy products at TRUE wholesale prices?

I may be wrong, but I believe that Costco Wholesale sells at true wholesale prices. I see people buying commercial size quantities when I shop there. They also carry some packages that would only be useful for commercial purchases, such as a 35 lb. container of corn oil. If Costco Wholesale is real...
by sport
Sat May 25, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3892

Re: Where to buy products at TRUE wholesale prices?

I may be wrong, but I believe that Costco Wholesale sells at true wholesale prices. I see people buying commercial size quantities when I shop there. They also carry some packages that would only be useful for commercial purchases, such as a 35 lb. container of corn oil. If Costco Wholesale is real...
by sport
Sat May 25, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3892

Re: Where to buy products at TRUE wholesale prices?

I may be wrong, but I believe that Costco Wholesale sells at true wholesale prices. I see people buying commercial size quantities when I shop there. They also carry some packages that would only be useful for commercial purchases, such as a 35 lb. container of corn oil.