Search found 7028 matches

by sport
Mon Aug 20, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 10
Views: 445

Re: No advance notice to employer

If you have worked since the last pay period, they could refuse to pay for those days. If you have accrued vacation time, they could refuse to pay you for that time that otherwise might be payable. If you have any personal belongings at work, they could refuse to let you have access. Please note, IA...
by sport
Sat Aug 18, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Info on Al-Farabi Kazakh National University
Replies: 28
Views: 2211

Re: Info on Al-Farabi Kazakh National University

There is an on-going thread about the difficulties physics graduates have finding employment. Having a degree from a university viewed as questionable by employers would not help that situation. As a physics graduate who spent most of his career working in areas other than physics, I would not recom...
by sport
Fri Aug 17, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 26
Views: 965

Re: Car alarm '98 Camry ?

Perhaps the alarm is supposed to go off when you use the key to unlock the door. The malfunction might be when it does not go off.
by sport
Thu Aug 16, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 29
Views: 2278

Re: Costco penny install sale & road hazard terms

DD had a tire fail under warranty. There was a small cost to replace it. However, they did not have that particular tire at that time and having a mis-matched pair on the same axel is not safe. So, Costco replaced the other tire at no additional charge.
by sport
Thu Aug 16, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Contemplating moving to Vanguard
Replies: 10
Views: 551

Re: Contemplating moving to Vanguard

Would your wife like to spend an extra $1100 on something she wants...every year?
by sport
Thu Aug 16, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 26
Views: 965

Re: Car alarm '98 Camry ?

dm200 wrote:
Thu Aug 16, 2018 3:07 pm
The owners manual (BOTH the original one that I got with the car from previous owner and the online pdf) describe a slightly different anti-theft system than I actually see in the car. ?
Perhaps it is an add-on aftermarket system, or a dealer installed version instead of the factory version.
by sport
Thu Aug 16, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Contemplating moving to Vanguard
Replies: 10
Views: 551

Re: Contemplating moving to Vanguard

Calculate the dollar amount of the fee if you move to Vanguard. Then you can present the question to your wife. For example: "I don't think that keeping John as an advisor is worth the $2000 we would have to pay him each year. What do you think?" BTW, the Bogleheads can answer questions in the areas...
by sport
Thu Aug 16, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Old Acura TL vs new Honda Accord
Replies: 11
Views: 689

Re: Old Acura TL vs new Honda Accord

OP, you already own the Acura. Therefore, the costs of purchasing do not apply. If you sell it or trade it, you will not get a retail price for it. In other words, the comparison you referred to assumes you are deciding which of the two to buy now. Since you already own one, it is not a valid compar...
by sport
Thu Aug 16, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1531

Re: Mail order pharmacy

Near the end of the year, seems all mail-order pharmacies get slammed. Everyone is trying to get everything, perhaps changing insurance or whatever. I avoid the month of December. If you have already met your yearly deductible and a new deductible starts on January 1, you might want to get in as ma...
by sport
Thu Aug 16, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1531

Re: Mail order pharmacy

If you are concerned about waiting in line at a big box pharmacy, you should consider a independent/mom and pop pharmacy. These typically have lower volume, the prices are the same (insurance price is typically the same every), and they can spend more time talking to you about your concerns since t...
by sport
Thu Aug 16, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1531

Re: Mail order pharmacy

We also don't want our meds sitting in hot trucks or mis-delivered, etc. Objectively, how big a risk is this type of thing? Obviously, It would depend on the drug. The one that I had a problem with states on the package "store between 59F-77F" That temperature range can easily be exceeded on either...
by sport
Thu Aug 16, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 26
Views: 965

Re: Car alarm '98 Camry ?

I had a Camry with an alarm. If the door was unlocked with the button on the key, the alarm was disabled. If the door was unlocked using the key in the lock, the alarm went off as it was supposed to (every time!).
by sport
Thu Aug 16, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 26
Views: 965

Re: Car alarm '98 Camry ?

Can't you use the fob to unlock the door instead of the key?
Otherwise, perhaps the battery in the fob is 20 years old and needs to be replaced.
by sport
Thu Aug 16, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1531

Re: Mail order pharmacy

In my experience meds can be damaged in the mail, due to temperatures being too high or too low. I have access to a mail-order company and when such damage happened to one of my meds, they were nasty about replacing it. I now get my meds locally even though I pay a little more than I would if I got ...
by sport
Wed Aug 15, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 1930

Re: Sidewalk repair - price in line?

Our town comes around and marks sidewalk sections that need replacing. They are roughly 3" by 5". Everything I've read/heard around town is that finding a contractor to come replace one sidewalk rectangle is nearly impossible. Such a small job isn't worth their time. Supposedly the best way to hand...
by sport
Wed Aug 15, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 1930

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: 23
Views: 4489

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: 1969

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: 2431

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: 116
Views: 6218

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: 23
Views: 4489

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: 116
Views: 6218

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: 116
Views: 6218

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: 52598

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: 1015

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: 1015

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: 1989

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: 1182

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: 1182

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: 91
Views: 8377

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: 91
Views: 8377

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: 7686

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: 771

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: 2479

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: 736

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: 1104

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: 6839

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: 221

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: 6839

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: 2479

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: 2479

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: 6839

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: 3028

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: 2479

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: 831

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: 2445

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: 1108

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: 588

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: 862

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: 1073

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.