Search found 6101 matches

by sport
Tue Dec 12, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 207
Views: 14861

Re: [Prevent mail theft; sign for USPS Informed Delivery]

It seems that the maximum number of items shown in the email is 10, based on my experience.
by sport
Mon Dec 11, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Where might be car security system "secret" button?
Replies: 10
Views: 1028

Re: Where might be car security system "secret" button?

Inside the glove box, maybe?
by sport
Sun Dec 10, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 16
Views: 1295

Re: CDs that compound interest payments, at big brokerages ?

Some direct CDs will renew automatically at maturity unless the money is withdrawn within 7 or 10 days. Sometimes, the renewal rate is not a good rate. So, for these direct CDs, the investor needs to pay attention to maturity dates, or she may end up with low interest CDs that are not wanted. Hopef...
by sport
Sun Dec 10, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 16
Views: 1295

Re: CDs that compound interest payments, at big brokerages ?

Some direct CDs will renew automatically at maturity unless the money is withdrawn within 7 or 10 days. Sometimes, the renewal rate is not a good rate. So, for these direct CDs, the investor needs to pay attention to maturity dates, or she may end up with low interest CDs that are not wanted.
by sport
Sat Dec 09, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: If you use EE Bonds, what did drive your decision
Replies: 36
Views: 1965

Re: If you use EE Bonds, what did drive your decision

Inflation is one risk. Another related risk is rising interest rates. The 3.5% rate seems attractive now. However, how would you feel if rates rise to 5% or 6% after 10 or 12 years? You would have the choice of cashing out at 0.1%, or staying another 8 to 10 years to get the 3.5% which would be way ...
by sport
Sat Dec 09, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 58
Views: 3749

Re: What did you do with your first RMD withdrawal money?

After being fully retired for several years I decided to take a part time job with a food catering company to keep myself occupied. That qualifies me for a Roth IRA so part of my RMD pays state and federal taxes, part into a Roth and the rest into Vanguard personal account . Not your situation but ...
by sport
Fri Dec 08, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 58
Views: 3749

Re: What did you do with your first RMD withdrawal money?

What did you do with the money from your first RMD? You do not have to take money. You can just transfer the investment from TIRA to taxable. For example, if you hold VTSAX in your IRA, you can just transfer it to taxable. This is no different than selling the holding in the TIRA and using the mone...
by sport
Thu Dec 07, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 42
Views: 1877

Re: Fuel Additives for 2017 Toyota Camry

Check your owner's manual. If such additives are required, it will tell you that. Many years ago, I had a dealer add an oil additive without asking permission. I became aware of it when it appeared on my bill. My owner's manual said such additives "were neither needed nor recommended". I complained ...
by sport
Thu Dec 07, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5150

Re: Recommended places to live

Here is a different thought: The Cleveland OH area meets most of your requirements. It is green; it used to be known as the "forest city". It certainly has four seasons. It is adjacent to a very large lake. It has a major airport. Medical facilities are world class. A nice house can be bought for 30...
by sport
Thu Dec 07, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 58
Views: 3749

Re: What did you do with your first RMD withdrawal money?

fourwheelcycle wrote:
Thu Dec 07, 2017 12:58 pm
My RMDs will begin next year. They will all go to QCDs and most of the funds will go to our local senior center.
Keep in mind that you must actually be at least 70.5 to make a QCD. 70.4 does not qualify.
by sport
Thu Dec 07, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K admin fees
Replies: 18
Views: 1352

Re: Help with 401K admin fees

If you are 59.5 years old, you should be able to roll over some of your 401k to an IRA account. This would allow you to escape those high fees, if you do the rollover to a low cost provider such as Vanguard.
by sport
Wed Dec 06, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 149
Views: 8280

Re: Do people still use AAA?

There have been a number of replies that mention using AAA when their battery failed. That is why it is usually better to replace an auto battery proactively. If the battery is old, you will need to replace it anyway. If you wait until it fails, you may have the inconvenience of being stuck, you may...
by sport
Wed Dec 06, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 149
Views: 8280

Re: Do people still use AAA?

p0nyboy wrote:
Wed Dec 06, 2017 2:29 pm
If people are relying on AAA to change a tire...you screwed up in life. THat should be a requirement for a drivers license. And if you're a guy a cant change a tire...pfffttt...nuff said.
If you are lucky, someday you will be too old to change a tire too.
by sport
Wed Dec 06, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Cat sitter info
Replies: 21
Views: 1004

Re: Cat sitter info

mrc wrote:
Wed Dec 06, 2017 12:33 pm
We boarded our cat rather than having someone stop by.
This is what we did when we had a cat.
by sport
Wed Dec 06, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 149
Views: 8280

Re: Do people still use AAA?

I have two Toyota Camrys in good condition. I have AAA, but never need it for towing or road service. I use it for hotel discounts and travel information. Of course, if there is ever a breakdown, I have it available for that too.
by sport
Wed Dec 06, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 1813

Re: Inexpensive way to ship heavy item...

If there is a company that sells that item locally, perhaps they will buy it from you if you deliver it to their store. After all, it is still brand new and they can resell it at a profit.
by sport
Tue Dec 05, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Regular IRA Distributions
Replies: 2
Views: 281

Re: Regular IRA Distributions

bbees wrote:
Tue Dec 05, 2017 2:27 pm
how are regular IRA distributions treated as regular income in IRS tax returns?
There is a line on the front page of Form 1040 for IRA distributions. IIRC, it has been line 15.
by sport
Mon Dec 04, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard MMF?
Replies: 13
Views: 1560

Re: Which Vanguard MMF?

The Vanguard Treasury MM fund has a minimum initial investment of $50,000. Perhaps that will help you narrow your options.
by sport
Sun Dec 03, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance -Drop Full Coverage?
Replies: 13
Views: 1198

Re: Auto Insurance -Drop Full Coverage?

You might want to drop collision which is expensive and keep comprehensive which is relatively cheap. Even with lower deductibles, comprehensive does not cost very much.
by sport
Sun Dec 03, 2017 10:28 pm
Forum: Investing - Theory, News & General
Topic: Choosing a 401k provider
Replies: 10
Views: 1133

Re: Choosing a 401k provider

My experience was about 20 years ago. We had about 1 million in the plan. This was considered to be a small plan by the providers. The best we could do then was an insurance company. It was not a good plan. When the plan reached 3 million, and the CEO became unhappy with the plan, we were able to ge...
by sport
Sun Dec 03, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Choosing a 401k provider
Replies: 10
Views: 1133

Re: Choosing a 401k provider

When my division split from a larger company, we had to set up our own 401k plan. I was on the committee that helped to select the provider. The first consideration is how large is your plan (how much money is in the plan)? We had a small plan and that greatly limited our options. larger plans can g...
by sport
Fri Dec 01, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Question
Replies: 5
Views: 561

Re: Savings Bond Question

Basically if you don't mind paying taxes on the accrued interest you can redeem any I Bonds held more than five years that have a lower fixed rate than currently offered (the 0% fixed rate bonds) and purchase new 0.1% fixed rate bonds. You can redeem after one year. However, if it is less than 5 ye...
by sport
Fri Dec 01, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Low balance in Vanguard Federal Money Market Fund....
Replies: 4
Views: 606

Re: Low balance in Vanguard Federal Money Market Fund....

I believe there is no minimum for a sweep account.
by sport
Fri Dec 01, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 100
Views: 13546

Re: Reached 4M target. Taking money off table. Advice?

At some point, you may want to shift your investment goal from capital appreciation to capital preservation. The timing and extent of this are personal decisions.
by sport
Fri Dec 01, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: retirement strategy
Replies: 24
Views: 2640

Re: retirement strategy

Many of the replies refer to "x" number of years of expenses. It seems that one should also consider the possibility of large expenses that may occur as we get older, such as medically related expenses and long term care. Even if you have LTC insurance, it may not pay for everything if you can get i...
by sport
Thu Nov 30, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10258

Re: Price of haircut?

Ace1 and I are not far apart. About 10 or 15 miles.
by sport
Thu Nov 30, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10258

Re: Price of haircut?

Suburban area, old school barber. $15 + $5 tip.
by sport
Thu Nov 30, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: retirement strategy
Replies: 24
Views: 2640

Re: retirement strategy

In the event of a market correction, a 50/50 portfolio might lose 25% of its value. Similarly, a 65/35 holding might lose 32% of its value. What is your comfort level/pain threshold? I am retired, and my target AA is 35/65 with 5% excursions allowed from the target. It is a personal choice. There is...
by sport
Thu Nov 30, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced fund in Taxable (How bad)
Replies: 10
Views: 1065

Re: Balanced fund in Taxable (How bad)

I believe Vanguard has a tax managed balanced fund. This might suit your needs.
by sport
Thu Nov 30, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: VWIUX recent share price decline [Vanguard Intermediate-Term Tax-Exempt]
Replies: 16
Views: 1498

Re: VWIUX recent share price decline [Vanguard Intermediate-Term Tax-Exempt]

My philosophy has been that if you have significant amounts of taxable money that you don't want to put in stock, put most of it in direct real estate, not bonds, and that's the path I followed, and the advice I typically give... Many, perhaps most, people want the money that is not in stocks to be...
by sport
Wed Nov 29, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Treatment of lump-sum for unused sick time
Replies: 10
Views: 861

Re: Treatment of lump-sum for unused sick time

The way to know for sure is to look at your W2 form at the end of the year. This is also what IRS will use to determine if there is sufficient earned income for the IRA deposit.
by sport
Wed Nov 29, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Number Asked for use of POA by Credit Card Company
Replies: 14
Views: 1245

Re: Social Security Number Asked for use of POA by Credit Card Company

Maybe if you tell them the cardholder is not capable of paying any bills sent to him/her, they will be more agreeable about closing the account.
by sport
Tue Nov 28, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: National Park trip w/1 year old infant
Replies: 35
Views: 1887

Re: National Park trip w/1 year old infant

We travelled with the two kids in car seats in the outside rear seats. We had a toy box between them. It was interesting when we travelled into Canada. The Canadian border agent asked "what's in the box?". I smiled and said "that's the toy box". There were no more questions.
by sport
Tue Nov 28, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 52
Views: 3650

Re: Medicare Part B premium unchanged for 2018

I'm aware of QCDS. I've decided to simply pay the tax and make charitable donations as I itemize. If tax laws change, I may reconsider but I'm all for a quiet and simple life as far as taxes are concerned. QCDs will lower your MAGI; deductible donations do not. So, QCDs might lower your IRMAA payme...
by sport
Mon Nov 27, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: National Park trip w/1 year old infant
Replies: 35
Views: 1887

Re: National Park trip w/1 year old infant

Yellowstone is a park where hiking is not required and there is lots and lots of driving to do. Drive. Stop. Drive. Stop. Drive. Stop. One can hike if one wants to, but a stroller or wheelchair will get you to most all of the sights. There are boardwalks and well-paved walkways from almost every pa...
by sport
Mon Nov 27, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying property taxes
Replies: 12
Views: 1310

Re: Prepaying property taxes

My county bills for a full year of RE taxes in December. The payment is due Jan 10. I have the option to pay the full bill, or half in Dec/Jan and the second half in July. So, I pay half in Jan, half in July, and a full year in Dec. The next calendar year, I make no payments. I then bunch as many ot...
by sport
Sun Nov 26, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets rolling over 401k to Vanguard IRA?
Replies: 20
Views: 1590

Re: Any regrets rolling over 401k to Vanguard IRA?

I have rolled two 401k accounts to Vanguard. It has been a long time, the first one was in 1992. I have been very happy to have done both of them. One caution: Do a direct rollover rather than cash out the 401k. If you cash out the 401k, they will withhold 20% for income taxes. This withholding woul...
by sport
Sun Nov 26, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Toyota older, "good" cars - my observations
Replies: 48
Views: 4205

Re: Toyota older, "good" cars - my observations

munemaker wrote:
Sat Nov 25, 2017 4:37 pm
harrington wrote:
Sat Nov 25, 2017 8:57 am
My Mom and Dad are 91 and 93 and no longer drive. They just gave me a 2003 Buick Century with 24,000 miles on it and it is absolutely immaculate. I'll drive it probably for 10 more years.
Many older people seem to love their Buicks!
I had a Buick... once.
by sport
Sat Nov 25, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17345

Re: The fallacy of spending money on "experiences" vs hard assets

It's a matter of personal preference. What is important and valuable to one person may not be so to someone else.
by sport
Sat Nov 25, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Pay this off now or not?
Replies: 33
Views: 2520

Re: Pay this off now or not?

OP, you have really asked two different questions: 1. Should I do extra work to earn enough money to pay off the loan? 2. Should I use this money to pay off the loan, or should I invest it? There was a time when I had a low cost mortgage and enough money to pay it off any time I wished. I found that...
by sport
Fri Nov 24, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Car on last legs - need advice on transferring tag ...
Replies: 20
Views: 997

Re: Car on last legs - need advice on transferring tag ...

In my state, the dealer can provide a 20-day temporary tag for a small fee. (It might be 30 days now.) You can transfer the regular tags when you take them off the old car later.
by sport
Fri Nov 24, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9197

Re: Regrets for taking SS at 62 or waiting?

I took SS at 62, thirteen years ago. DW has a teacher's pension that eliminates any spousal benefit or survivor benefit from my SS. Since SS is supposed to be actuarially neutral, and since women live longer than men, it seemed that there was no advantage to waiting. Depending on my longevity, our f...
by sport
Thu Nov 23, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2832

Re: CAR: Buy new, buy used (2016), lease new

Here is my OPINION.
Hondas hold their value very well. So, a late model used one will cost almost as much as a new one. Leasing will be more expensive than buying and keeping a longer time. Accordingly, for your situation, I would recommend buying a new one.
by sport
Mon Nov 20, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need a cash reserve
Replies: 7
Views: 921

Re: Do I need a cash reserve

If the stock market tanks, you will no longer have a 60/40 AA. You will have something like 50/50 or 40/60, unless you rebalance. The bonds in your portfolio could be considered to be an emergency fund. However, you should keep some cash for small, or some not-so-small expenditures. The furnace coul...
by sport
Mon Nov 20, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 2947

Re: Discover Card Change in Terms

The things that bothered me were the very detailed and lengthy terms all of which were in their favor. The terms concerning arbitration were particularly objectionable. As far as their customer service: I have an early card where the rebates are tiered, starting at 1/4 % then 1/2 % then 3/4 % and th...
by sport
Mon Nov 20, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 2947

Discover Card Change in Terms

Today, I received a notice of the change in terms for my Discover Card account. I find the new terms very strict, heavy handed, and one sided. There is no hint of anything "customer friendly". Although I have had my Discover Card since 1986, I am inclined to tell them to close my account. According ...
by sport
Sun Nov 19, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and taxes
Replies: 16
Views: 1888

Re: RMD and taxes

friar1610 wrote:
Sun Nov 19, 2017 7:20 pm
VG will take out state taxes.
Vanguard will withhold state income taxes for some states and not for others. They will not withhold for my state (Ohio). If you need withholding for state taxes, verify that VG will do that before you depend upon it.
by sport
Sun Nov 19, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard for Rollover IRA
Replies: 6
Views: 628

Re: Fidelity vs Vanguard for Rollover IRA

You know what you are doing now. However, you mention "cognitive decline". Should that occur, what will Fidelity talk you into buying? Do your heirs know how to avoid the high cost offerings. I prefer to not deal with a company that will try to take advantage of me given the opportunity.
by sport
Sun Nov 19, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 105
Views: 11985

Re: The valet smashed my Tesla into a brick wall!

Since the car is so new, can you ask the insurance company to replace it with another new one? They can then deal with getting "their car" repaired. By the time they pay for repairs to your car and compensate you for diminished value, it might not make much difference to them.
by sport
Sun Nov 19, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Looking to payoff mortgage
Replies: 15
Views: 2164

Re: Looking to payoff mortgage

Most of this discussion does not consider long term possibilities. A mortgage is a long term arrangement. We know what interest rates are now, but what will they be in 5 or 10 years? Here is my real life experience from a long time ago: I had a 6.75% mortgage that was a good rate at the time. At one...