Search found 7013 matches

by sport
Wed Aug 15, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 27
Views: 1406

Re: Sidewalk repair - price in line?

I am missing something here. Who owns this sidewalk? Where we are (northeast), the municipality owns sidewalks that run parallel to the street. I guess that it’s different in southern Florida. In some communities in my area the city owns the sidewalks, but the homeowners are responsible for maintai...
by sport
Sun Aug 12, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: New CD Rates
Replies: 22
Views: 4043

Re: New CD Rates

jeffyscott wrote:
Sun Aug 12, 2018 12:26 pm
For me about 2.5% on a CD is what I'd need to beat 2% inflation and actually even a bit less would do it, as they are in a tax deferred account.
You still need to pay the taxes on gains in a tax deferred account. You just get to pay them later. Now a Roth IRA would be different.
by sport
Sun Aug 12, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Comfortably Retired and charity giving?
Replies: 25
Views: 1915

Re: Comfortably Retired and charity giving?

QCDs may reduce your state income taxes as well. They do for my state.
by sport
Sun Aug 12, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: RMD's: take distributions vs selling
Replies: 35
Views: 2365

Re: RMD's: take distributions vs selling

I don't want to take my RMD at the beginning of the year because I want to have some room for QCDs that may arise. I also do not want to risk my holdings dropping substantially before I want to take the RMD. My solution for this is to transfer an amount equal to my RMD into Vanguard's Ultra Short Te...
by sport
Sun Aug 12, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 115
Views: 5780

Re: Paper checks yes or no?

Is there still such a thing as a "Certified Check" ? It has been many years since I used one. However, the way it worked was you wrote a personal check and took it to your bank. The banker would verify you had sufficient funds to cover the check, would stamp the check with a bank guarantee, and the...
by sport
Sun Aug 12, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: New CD Rates
Replies: 22
Views: 4043

Re: New CD Rates

If I earn 2 percent and inflation stays at 3, then I'm losing 1 percent each year. This wouldn't be a big deal if I was old and in retirement Of course it's a big deal if one is in retirement. At least if you're young you have a salary coming in and can continue to save perhaps more. If you're reti...
by sport
Sun Aug 12, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 115
Views: 5780

Re: Paper checks yes or no?

Is there still such a thing as a "Certified Check" ? It has been many years since I used one. However, the way it worked was you wrote a personal check and took it to your bank. The banker would verify you had sufficient funds to cover the check, would stamp the check with a bank guarantee, and the ...
by sport
Sat Aug 11, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 115
Views: 5780

Re: Paper checks yes or no?

I prefer to make payments for medical services, such as doctor office copays, using checks, even though they accept credit cards. I feel that using checks allows me to keep better records of medical activities and documentation for medical tax deductions, both federal and state.
by sport
Sat Aug 11, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 379
Views: 52276

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin, A related question: When you buy brokered CDs, do you care about which bank issued them? When looking at the offerings, I see a lot of US subsidiaries of foreign banks, and a number of smaller or newer domestic banking companies. I am aware that they are all FDIC insured. Nevertheless, are yo...
by sport
Sat Aug 11, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2018/19 Honda Odyssey - which trim level?
Replies: 15
Views: 985

Re: 2018/19 Honda Odyssey - which trim level?

You have had good experiences with Toyotas. Have you considered the Sienna? You might like it more than the Odyssey.
by sport
Sat Aug 11, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2018/19 Honda Odyssey - which trim level?
Replies: 15
Views: 985

Re: 2018/19 Honda Odyssey - which trim level?

IMO, it is not what you need, it what you want to have and are willing (can afford?) to pay for.
by sport
Sat Aug 11, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1952

Re: Sucking up to make more money?

Agree. CEO of the hospital works to facilitate my patient care work. Beyond that, they have no other role in my job. Yes my main difficulty is allowing the CEO to get away with things instead of confronting them. I feel like it would benefit my pride by confronting but would hurt my bottom line. Yo...
by sport
Fri Aug 10, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Insuring for sewer damage in a slab home
Replies: 14
Views: 1160

Re: Insuring for sewer damage in a slab home

We also moved to a single floor slab house for our retirement home. Our insurance agent pointed out that if there should be a sewer backup, it would be in our living space, not in a basement. Accordingly the agent recommended sewer backup coverage for the HO policy. I agreed with that logic, and ha...
by sport
Fri Aug 10, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Insuring for sewer damage in a slab home
Replies: 14
Views: 1160

Re: Insuring for sewer damage in a slab home

We also moved to a single floor slab house for our retirement home. Our insurance agent pointed out that if there should be a sewer backup, it would be in our living space, not in a basement. Accordingly the agent recommended sewer backup coverage for the HO policy. I agreed with that logic, and hav...
by sport
Fri Aug 10, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 90
Views: 7796

Re: The Bigger Story: Fidelity Expense Ratios

When that time arrives, someone else will be making the investment decisions. Will they also be sharp Bogleheads who are aware of the pitfalls of expensive investment products? Or, will they be gullible novices who will believe the friendly "advisor who only wants to help them". When this happens, ...
by sport
Fri Aug 10, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 90
Views: 7796

Re: The Bigger Story: Fidelity Expense Ratios

Although younger Bogleheads probably do not think of such things, there will come a time when you will no longer be managing your accounts. You may become disabled, and someone will manage them for you. Or you may leave them to your beneficiaries, such as your spouse, or children. When that time arr...
by sport
Thu Aug 09, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7609

Re: Should I tell my family/friend that they are making a financial mistake?

In my experience, telling people about a better way to invest does not convince them to change anything. So, it is not worth the effort. They have their "guy" and they are happy with him. They say "I'm making money, so I am satisfied".
by sport
Wed Aug 08, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Pension and Social Security,. Do I need Bonds?
Replies: 6
Views: 752

Re: Pension and Social Security,. Do I need Bonds?

Are your goals primarily capital preservation, or growth of capital? If your primary goal is to preserve what you already have, there would be little need to take the higher risk that comes with high allocation to equities.
by sport
Tue Aug 07, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Another CD Ladder Thread
Replies: 27
Views: 2450

Re: Another CD Ladder Thread

We cannot predict the future with regard to rates other than we are in the point of the economic cycle where rates will continue to rise. How much and how often is, of course, unpredictable but they will go up for the short term. Another factor is the demand / supply of CDs in that market. I suspec...
by sport
Mon Aug 06, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawal rate with option to go back to work
Replies: 9
Views: 722

Re: Withdrawal rate with option to go back to work

When thinking about a 40 year time frame, I would not want to depend upon being able to go back to work at any time. Health issues can arise that could prevent working.
by sport
Mon Aug 06, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401k administrative fees
Replies: 19
Views: 1083

Re: 401k administrative fees

If your employer matches any of your 401k contributions, you probably want to contribute enough to get all of the match. Then, you can contribute more to an IRA. You cannot roll over the 401k to an IRA while you are employed there, unless your plan provides for "in-service rollovers". Many plans (mo...
by sport
Mon Aug 06, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6675

Re: Best way to lose $200 in taxable income?

I've got a good chunk in a penfed no penalty CD. Planning some house remodeling prior to a sale and need liquidity. I get that. Using a no-penalty CD as temp parking place for funds. With big project (expense) coming up. What I don't get - using CD's, laddered or otherwise, as part of AA within a t...
by sport
Sun Aug 05, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: T.Rowe Price Fund to Vanguard Fund within Roth IRA
Replies: 2
Views: 212

Re: T.Rowe Price Fund to Vanguard Fund within Roth IRA

Yes. Just be sure not to withdraw any money from your IRA account. Within the IRA, you can do whatever you wish with no adverse consequences. There might be a delay of a day or two until the money settles.
by sport
Sun Aug 05, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6675

Re: Best way to lose $200 in taxable income?

Are you old enough to do QCDs? If you are older than 70.5 and have not yet completed your RMD from IRA accounts, this would be perfect. A charity(s) gets the money and you get reduced income. The QCD gives you an IRA withdrawal (taxable income) and a "deduction" that cancel each other out. Net inco...
by sport
Sun Aug 05, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another CD Ladder Thread
Replies: 27
Views: 2450

Re: Another CD Ladder Thread

I also meant to mention that I like to take notice of the coupon frequency of the CDs I purchase. If the yield is the same between several CD options, I will make my decision based on the CD with the best coupon frequency (monthly interest payments vs semi-annual vs annual). You are probably alread...
by sport
Sun Aug 05, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Another CD Ladder Thread
Replies: 27
Views: 2450

Re: Another CD Ladder Thread

The picture is incomplete without knowing what penalties you'd pay for cashing out the 5 years early. These look like brokered CD rates. Those CDs cannot be cashed out early. They can only be sold on the open market. So, if interest rates go up, these CDs will take a loss if you try to sell them, j...
by sport
Sun Aug 05, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6675

Re: Best way to lose $200 in taxable income?

cheese_breath wrote:
Sun Aug 05, 2018 3:31 pm
Are you old enough to do QCDs?
If you are older than 70.5 and have not yet completed your RMD from IRA accounts, this would be perfect. A charity(s) gets the money and you get reduced income.
by sport
Sun Aug 05, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 2983

Re: USPS Informed Delivery

We find it to be unreliable. We seem to receive everything they show. However, we also receive mail that should have been scanned, and was not. The mail without images sometimes comes after an email telling us they do not have images, sometimes with other mail that has been scanned, and sometimes wi...
by sport
Sun Aug 05, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Another CD Ladder Thread
Replies: 27
Views: 2450

Re: Another CD Ladder Thread

I would suggest that the rates for 4 and 5 years are not high enough to compensate for the risk. (the risk is that rates increase during that time). I would go with a 2 or 3 year ladder. Either would be OK. It should be noted that you are not giving up much in the "higher" rates by foregoing the 4 a...
by sport
Sun Aug 05, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Bonds, CDs with Vanguard
Replies: 8
Views: 817

Re: Bonds, CDs with Vanguard

Another reason to prefer treasuries over CDs is the 250K FDIC limit per bank. If an institution needs to invest millions or billions of $$$, then CDs are not suitable.
by sport
Sun Aug 05, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: step-up basis after a spouse's passing
Replies: 26
Views: 2407

Re: step-up basis after a spouse's passing

Perhaps all brokerages do not handle this the same way. You could contact your brokerage and ask what they do.
by sport
Sat Aug 04, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Random person gets mail to my house
Replies: 5
Views: 1097

Re: Random person gets mail to my house

There is probably a mailing list that is sold that contains your address by mistake. Once you get on these lists, they take on a life of their own as they are sold multiple times over the years.
by sport
Sat Aug 04, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating Financial Accounts
Replies: 4
Views: 579

Re: Consolidating Financial Accounts

There is value in keeping your credit card account separate from your banking. Most (all?) credit card terms include a provision that in the event of a dispute, the bank has the right to raid your bank account(s) to satisfy the credit card debt. If your accounts are at another bank, they cannot do t...
by sport
Sat Aug 04, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: if you had 10K for a taxable/individual account
Replies: 6
Views: 853

Re: if you had 10K for a taxable/individual account

I would pick a fund that fits into my asset allocation plan for all of my holdings, with consideration of tax consequences.
by sport
Sat Aug 04, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: "Safe" recommendations to store important documents?
Replies: 10
Views: 1059

Re: "Safe" recommendations to store important documents?

It sounds like most or all of the things the OP wants to keep safe are not accessed often, and don't need instant access. I just use a safe deposit box at my local bank. It is more secure, and as a good customer, they don't even charge me for it.
by sport
Sat Aug 04, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Bag with bank information goes missing (from bank)
Replies: 20
Views: 1438

Re: Bag with bank information goes missing (from bank)

My bank sends me an email alert any time there is a withdrawal or a check paid from my account. This would seem to be sufficient to prevent loss of money due to fraud.
by sport
Sat Aug 04, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Costco auto buying service is USELESS!
Replies: 43
Views: 26498

Re: Costco auto buying service is USELESS!

The Costco negotiated prices is only a starting point. There is nothing that prevents you from negotiating further. As I understand it, the amount of discount varies depending on the car you are buying. The negotiated price is a discount from, or an addition to, the invoice price, not a discount fro...
by sport
Fri Aug 03, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2206

Re: Charitable giving strategy

midareff wrote:
Fri Aug 03, 2018 1:02 pm
My goal for this year is to find a replacement for Operation Smile...
Take a look at Smile Train. I believe they do the same things. Please let me know how they compare. https://www.smiletrain.org/
by sport
Fri Aug 03, 2018 12:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3400

Re: How did you become a Boglehead?

It has been a gradual process. However, it began with my first mutual fund purchase in 1971. I did not know anything about funds, except that they seemed to be what I wanted. So, I went to broker and bought the Fidelity fund he recommended. It had a load of 8.75%, typical at that time. I made my $50...
by sport
Thu Aug 02, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4395

Re: Which diet soda pop do you enjoy?

Canada Dry Cranberry diet ginger ale
Diet Pepsi
by sport
Thu Aug 02, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2206

Re: Charitable giving strategy

I give to the United Way and the local religious charity for my faith. I also give to the various national health research charities: The Heart Assoc., Cancer Society, Pancreatic Cancer Network, Alzheimers Assoc. I make a special larger gift to Smile Train. I feel that giving a normal life to poor c...
by sport
Thu Aug 02, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: weekender bag?
Replies: 30
Views: 2519

Re: weekender bag?

We just bought this one. The quality is very good and the price is low.

https://www.costco.com/High-Sierra-Unde ... 02986.html
by sport
Thu Aug 02, 2018 6:02 am
Forum: Personal Consumer Issues
Topic: Replacing pilot light in gas boiler with electronic ignition? (HVAC/furnace question.)
Replies: 9
Views: 561

Re: Replacing pilot light in gas boiler with electronic ignition? (HVAC/furnace question.)

If changing the thermocouple is easy, you could DIY every 6 months, or so, instead of waiting for it to fail. It should be very inexpensive to do this.
by sport
Wed Aug 01, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1816

Re: Why is new strip of lawn different color?

Perhaps the grass seed you planted has some fertilizer mixed in. That would account for the darker color.
by sport
Tue Jul 31, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Older Camrys - Hybrid vs regular?
Replies: 25
Views: 1551

Re: Older Camrys - Hybrid vs regular?

Perhaps people are concerned about the cost of replacing the batteries.
by sport
Tue Jul 31, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 571
Views: 133715

Re: Money saving ideas?

Shop at Costco. While you are there, look for the unadvertised specials (the ones priced $x.97)
by sport
Tue Jul 31, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2150

Re: Durable Dress Shoes for Commute

I have found that Rockports are durable, comfortable, and look nice. They have a variety of casual and dressy styles.
by sport
Mon Jul 30, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 2735

Re: Any problems with freezer "drawer" models

We have a GE with bottom freezer door. No issues with the drawer. On hind site, I would go with less fancy electronics because this has been an issue for the last three covered service calls. We also have a GE bottom freezer. In hindsight, I would not buy another GE appliance. Ours had 5 service ca...
by sport
Mon Jul 30, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Boy's first job
Replies: 38
Views: 3500

Re: Boy's first job

I would do a ROTH IRA, if your son leaves his employer and the value of account is less than $5K they will send a check that he can rollover. However, if the value of son's 401K plan is less than say $1K, where can you roll it over to? Maybe Schwab but then it will get eaten up by fees. Maybe a bro...
by sport
Sun Jul 29, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Buying a home [as a safe investment]
Replies: 42
Views: 3126

Re: Buying a home [as a safe investment]

Another consideration is the neighborhood the house is in. Sometimes neighborhoods become popular and appreciate, perhaps substantially. On the other hand, sometimes neighborhoods become less desirable and the values stagnate, or even drop. These changes are difficult to predict, especially over man...