Search found 7229 matches

by sport
Tue Oct 16, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 11
Views: 489

Re: Monthly vs. Annual Withdrawals

The comparison seems to be monthly vs. lump sum at the END of the year. If you need the money during the year, that will not work.
by sport
Tue Oct 16, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 141
Views: 34229

Re: Vanguard has switched to brokerage only accounts

It's called "YTD", but in only shows "Income" YTD and the current month's transactions. I checked last year's Dec. statement and it did not include the full year's transactions like it used to do before the conversion to their Brokerage system; it only included the Dec. transactions. That means you...
by sport
Mon Oct 15, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: When to TLH?
Replies: 3
Views: 354

Re: When to TLH?

I just wait until the end of the year and sell anything that is down a significant amount. Generally I will sell around the middle of December and buy it back after 31 days, or so. If the amount of the loss is trivial, I won't bother.
by sport
Mon Oct 15, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3086

Re: Boglehead's Car Talk

Scott S wrote:
Mon Oct 15, 2018 11:52 am
RootSki wrote:
Sun Oct 14, 2018 9:24 pm
Life is too short to drive boring cars.
Oh, I dunno. Lots of millionaires drive boring cars like Honda Accords and Toyota Camrys. ;)
Perhaps that's how they became millionaires. :mrgreen:
by sport
Mon Oct 15, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: High APY Checking
Replies: 9
Views: 833

Re: High APY Checking

My bank does the same thing with interest rates. So, I keep just enough in the checking account to cover expenses. Anything more than that I keep in a money market fund at Vanguard. I can transfer money between Vanguard and the checking account with a few clicks of the mouse (in either direction). I...
by sport
Mon Oct 15, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend lost job, getting a lump sum severance... What should we do next
Replies: 36
Views: 2900

Re: Girlfriend lost job, getting a lump sum severance... What should we do next

I don't know the answers to your questions. However, you cannot afford to spend 40-45k on a wedding. My suggestion is to have a small reception for immediate family and close friends. This should cost no more than 2-3k.
by sport
Sun Oct 14, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 71
Views: 3241

Re: How Much Is Your Sewer Bill?

Our bill ranges between $40 and $55 per month. That includes a $10 rainwater assessment for hard surfaces such as roofs and driveways.
by sport
Sun Oct 14, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 39
Views: 4240

Re: Amica reocurring double digit increases in homeowners insurance

I am now echoing OP's concerns. My Amica auto and homeowner's each went up 25% this year alone. We have no new claims (no claims ever) and no adverse credit history, and nothing else about our personal situation has changed. It's impossible to compare across locations and situations but we pay $222...
by sport
Sun Oct 14, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3010

Re: Reducing overall medical costs. Do we do anything?

Lynette wrote:
Sun Oct 14, 2018 8:49 am
I may go for a flu shot.
A relative of mine was in her 30's when she died from the flu.
by sport
Sat Oct 13, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5829

Re: Neighbor discussing finances with me

Before I retired, I was a member of the 401k committee for my employer. To avoid lawsuits, the company asked an attorney at a large law firm how to select mutual funds for the plan. The attorney provided a written plan that said to use Morningstar ratings, which are merely past results. I knew bette...
by sport
Sat Oct 13, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5829

Re: Neighbor discussing finances with me

cheese_breath wrote:
Sat Oct 13, 2018 3:56 pm
I agree with the others. Don't give advice unless asked. Although I'm curious if this 'bond fund' might really be an annuity where you 'experience the upside while being protected from the down side.'
Bingo!
by sport
Sat Oct 13, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3010

Re: Reducing overall medical costs. Do we do anything?

On my plan, blood tests cost me nothing. So, there is no financial incentive for me to have fewer tests. What I do, though, is tell my PCP to skip running several blood tests that I know one of my specialists will order when I see the specialist. What I have done is ask my PCP for the blood test re...
by sport
Sat Oct 13, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5281

Re: Weigh in on our Marital Argument =)-- HCOL edition

I would think about moving to a lower COL area. Even if your income would decrease a lot, so would your expenses. Here are some data for a comparison. A 12-year old house in my neighborhood recently was sold. It is a 3 BR 2.5 B house with 1950 sq. ft. and newly redecorated. Association fees are less...
by sport
Sat Oct 13, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 39
Views: 2846

Re: Not convinced with insurance

One other thing to consider about life insurance is "insurability". If you are in good health now, you can buy a term insurance policy with very low premiums. If you decide to wait, your health might decline in the interim and insurance would become either more expensive, or unavailable to you. The ...
by sport
Sat Oct 13, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1603

Re: Gas Fireplaces

Probably not good to run a ventless fireplace too long due to the products of combustion being given off. Namely, carbon monoxide. When I used to use mine, the meter on the CO detector never showed any affect. My concern is particulates. These would be microscopic particles of carbon along with any...
by sport
Sat Oct 13, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market compared to Prime Money Market
Replies: 19
Views: 2042

Re: Vanguard Federal Money Market compared to Prime Money Market

Vanguard specifically created this new MM a couple of years ago to meet those SEC regulations for settlement accounts. Vanguard has had the Federal MM fund in place for many years. I have been using it along side my Prime MM fund for money that I wish to keep separate. The thing that is new is the ...
by sport
Sat Oct 13, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: If someone keeps 500K in two different FDIC insured bank accounts, 250K at each, are they still covered?
Replies: 8
Views: 1082

Re: If someone keeps 500K in two different FDIC insured bank accounts, 250K at each, are they still covered?

There is one other thing to be aware of. Sometimes one bank is owned by another bank with a different name. However, they may be considered as one by the FDIC. So, you would want to avoid this situation.
by sport
Sat Oct 13, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1603

Re: Gas Fireplaces

I purchased a vent-less gas fireplace 20+ years ago after an ice storm left me without heat for several days. It has a manual piezo igniter. It is 99% efficient, adds moisture to our house as a by-product and helps balance the humidity levels due to the drying effect of our forced-air whole house h...
by sport
Sat Oct 13, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4620

Re: Keep a backup hot water heater?

Chip wrote:
Sat Oct 13, 2018 3:13 am
Please explain "overuse" of pipe tape on these types of joints and how it might be harmful.
In order to function as a protective device, the anode has to make electrical contact with the steel inner tank. If the anode is insulated from the tank, it will not prevent corrosion of the tank.
by sport
Fri Oct 12, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2696

Re: No bill to me - but found strange things on my health plan records

There is nothing new about mistakes in medical billing. Some examples: 1. I went to an office visit, paid my copay, it was never submitted to insurance. 2. I went to an office visit, it was submitted to insurance, but I was never billed for the copay. 3. I went to an office visit, it was submitted ...
by sport
Fri Oct 12, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Relaxing in America during this current market drop
Replies: 20
Views: 4111

Re: Relaxing in America during this current market drop

My allocation target is 35% +/- 5%. Over the last two days, it dropped from 39% to 38%. Nothing to get excited about.
by sport
Fri Oct 12, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2696

Re: No bill to me - but found strange things on my health plan records

There is nothing new about mistakes in medical billing. Some examples: 1. I went to an office visit, paid my copay, it was never submitted to insurance. 2. I went to an office visit, it was submitted to insurance, but I was never billed for the copay. 3. I went to an office visit, it was submitted t...
by sport
Thu Oct 11, 2018 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 46
Views: 3331

Re: 6 month Treasury Note: "Bond" or "Cash"?

I would say that it depends on how you plan to use the note. If you plan to hold it to maturity, it would be a "bond". If you plan to sell it the next time you need some money, it would function as "cash" for you. It is the same situation for I-bonds held more than one year. You can continue to hold...
by sport
Thu Oct 11, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2696

Re: No bill to me - but found strange things on my health plan records

I like my Medicare Advantage Plan in this regard. The co-pay for an office visit covers everything that happens during that visit. The insurance charges vary, but the co-pay is all that I am responsible for. It is $15 for the primary care dr. and $25 for any other dr. Sometimes there is a "facility ...
by sport
Thu Oct 11, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4620

Re: Keep a backup hot water heater?

I read somewhere that the only difference between water heaters and their warranty is the price . They're basically all the same. I buy the cheapest heater I can find in the size I want and replace it before it pops. Actually the longer warranty unit is typically identical EXCEPT it has either 2 an...
by sport
Thu Oct 11, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1202

Re: How important is it that dentist is member of ADA?

I may have to find a new dentist in my area, and have been asking friends, searching reviews on Internet, etc. When we needed to find a new dentist, we asked a periodontist for recommendations. A periodonist sees the work of general dentists all the time, and should have an informed opinion on the ...
by sport
Thu Oct 11, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits up 2.8% in 2019
Replies: 19
Views: 2388

Re: Social Security benefits up 2.8% in 2019

Do we know what the Medicare Part B premiums will be?
by sport
Wed Oct 10, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4620

Re: Keep a backup hot water heater?

If you change the anode in the tank every 5 years, or so, you will increase its life substantially.
by sport
Wed Oct 10, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2928

Re: Dayton, Ohio -- Worth Visiting?

Kenkat wrote:
Wed Oct 10, 2018 6:20 pm
kenoryan wrote:
Wed Oct 10, 2018 5:37 pm
RickBoglehead wrote:
Wed Oct 10, 2018 5:01 am
It's O_io. 'Nuff said.

Go Blue!


Image
I concur!
Go Blue!
Is there a Division One team in Michigan? 😀
If there were, I would have heard about it by now.
by sport
Tue Oct 09, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Medicare drug question - days or pills?
Replies: 18
Views: 811

Re: Medicare drug question - days or pills?

If the doctor writes the Rx for 1.5 pills/day, you should get 135 pills in a 90 day refill.
by sport
Tue Oct 09, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Using bonds to offset mortgage interest?
Replies: 9
Views: 581

Re: Using bonds to offset mortgage interest?

I did something similar. I did not have the cash to start with. However, as I accumulated wealth, I put money into a ladder of bank CDs. The ladder did double duty as my emergency fund, and the interest offset the mortgage interest. It got even better when interest rates increased. The mortgage rate...
by sport
Tue Oct 09, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5345

Re: Which is better CD - rates and terms?

Consider "brokered" new issue CD's at Vanguard, or other brokerage. There are some advantages over bank issued. Sandtrap, I'd like to know the advantages. I prefer to have my interest added on to the CD each month, rather than paid out to the brokerage cash account - just don't like the smaller amo...
by sport
Tue Oct 09, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2928

Re: Dayton, Ohio -- Worth Visiting?

I will confirm that the Air Force museum should not be missed. It is large, and you should allow plenty of time if you want to see everything. Another thing to see, if you like this sort of thing, is the Ohio Caverns. It is located in West Liberty OH, about 30 miles from Dayton. We took our children...
by sport
Tue Oct 09, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3065

Re: Kirkland (Costco) Razor

CABob wrote:
Sun Oct 07, 2018 12:28 pm
I was wondering if anyone has tried this razor and what they thought of it.
If you think you might like it, buy one and try it. If you do not like it, you can return it for a full refund.
by sport
Sun Oct 07, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5345

Re: Which is better CD - rates and terms?

You could also "hedge your bet" by splitting the money 50/50 between the two. That would give you a "mini-ladder". So, if rates go up in the next 18 months, you have money to reinvest. If they don't, you get the higher rate on the longer one.
by sport
Sun Oct 07, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4846

Re: You know you’re a Boglehead when. . .

If your skills are marketable, this might be a good time to begin looking for another employer. Given a choice, I would not want to work for a company that gives everyone a pay cut. I figure that if they don't value me, it is not a place I want to work. What about future raises, cuts to benefits, he...
by sport
Sun Oct 07, 2018 12:23 am
Forum: Investing - Help with Personal Investments
Topic: I'm unclear on how to use a Vanguard account
Replies: 21
Views: 1750

Re: I'm unclear on how to use a Vanguard account

If Fidelity mislead you into their more expensive funds without telling you about the less expensive options, I don't blame you for leaving them for Vanguard. I would do the same thing.
by sport
Sat Oct 06, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12585

Re: What purchase saved you the most money?

Costco membership.
by sport
Sat Oct 06, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Former Employer Contracting Opportunity - Share Your Thoughts
Replies: 29
Views: 1517

Re: Former Employer Contracting Opportunity - Share Your Thoughts

Shortly after I retired, the company asked me to return for a short term situation. They offered my old salary rate on an hourly basis. I told them the old rate included benefits and SS contributions, so that would not be acceptable. I told them my consulting rate was 4 times my old salary, but I wo...
by sport
Sat Oct 06, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover
Replies: 4
Views: 297

Re: 401K rollover

When you rollover the 401k to Vanguard, be sure to do a direct trustee-to-trustee transfer. If you withdraw the money, and transfer it yourself, the old custodian will withhold 20% for taxes (by law). That 20% constitutes a withdrawal, and you will incur a penalty if you are younger than 59.5, unles...
by sport
Thu Oct 04, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Simple, free way to send photos to people?
Replies: 15
Views: 990

Re: Simple, free way to send photos to people?

Here is what I do: Select a picture. Right click. Select send to. Select email. It shows up as an attachment in an email in my default email program. Then I can address that email to whomever I wish. Bad idea for several reasons. First, you should NEVER open attachments you aren't expecting. This i...
by sport
Thu Oct 04, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Simple, free way to send photos to people?
Replies: 15
Views: 990

Re: Simple, free way to send photos to people?

Here is what I do: Select a picture. Right click. Select send to. Select email. It shows up as an attachment in an email in my default email program. Then I can address that email to whomever I wish.
by sport
Thu Oct 04, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3253

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

Is anyone taking the RMD and then requesting a certain amount be withheld for taxes? Paul I make my QCDs throughout the year, and then take the balance of the RMD sometime in November. I have federal taxes withheld from the November withdrawal. If you request withholding after the RMD is complete, ...
by sport
Thu Oct 04, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: How much interest do I owe if I don't pay credit card balance in full?
Replies: 18
Views: 2044

Re: How much interest do I owe if I don't pay credit card balance in full?

Remember, if you do not pay the balance in full, they charge interest not only on the unpaid amount, but also on any new purchases from the day of the purchase (there is no grace period). So, if you do this, it would be better not to put any new purchases on that card next month.
by sport
Thu Oct 04, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Pros and cons of exceeding IRMA limits vs wiping out cash to purchase second home?
Replies: 7
Views: 502

Re: Pros and cons of exceeding IRMA limits vs wiping out cash to purchase second home?

Perhaps you can withdraw a portion of your 403b this year and another portion next year to stay below the IRMAA limit.
by sport
Wed Oct 03, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Economics: which one?
Replies: 9
Views: 937

Re: Economics: which one?

In my experience, a student does not need to determine the "fine tuning" of a major at the beginning of the freshman year. After a year or two of taking the basic courses, he will have a better idea of how he wants to proceed. He will also be able to get advice and guidance from the professors in hi...
by sport
Wed Oct 03, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: New post - car muffler and auto emissions
Replies: 12
Views: 783

Re: New post - car muffler and auto emissions

I would suggest not going to a dealer for repairs, especially something like a muffler. The $900 price for a muffler is outrageous. It should be in the $200 to $400 range depending on how much of the system needs to be replaced. That being said, a muffler will not do anything to help or harm emissio...
by sport
Wed Oct 03, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a will and trust setup (Ohio)
Replies: 17
Views: 1163

Re: Getting a will and trust setup (Ohio)

In addition to a will and a trust, you will need: 1. Durable powers of attorney. 2. Powers of attorney for healthcare. 3. A living will, if you choose to have one. I am in the Cleveland Ohio area, and we have been happy with the attorney we used for all these documents. They specialize in estate pla...
by sport
Tue Oct 02, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4739

Re: Buying a new Toyota Camry. What extra options if any?

monkey_business wrote:
Tue Oct 02, 2018 4:38 pm
What do you want? It's impossible to answer what options you should pay for without knowing what you're after.
Also, what can you afford?