Search found 7623 matches

by sport
Sun Jan 20, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 66
Views: 2814

Re: Grocery shopping strategy

Another thing to consider is the quality of the groceries you buy. Some people are not particular, and just look for the lowest prices. Others are more discerning, and prefer to get better quality items, even if they cost a little more. We find Costco has the best combination of quality and price. O...
by sport
Sat Jan 19, 2019 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds In Taxable Account
Replies: 11
Views: 722

Re: Bonds In Taxable Account

Tatala wrote:
Sat Jan 19, 2019 9:31 pm
IN the two fund portfolio, I have 50% in Total Stock Portfolio. Would you put the balance in a Muni Fund?
In an IRA account, no. In a taxable account, it depends on your tax bracket. Compare your after tax yield of the muni fund and a taxable fund and see which is higher.
by sport
Sat Jan 19, 2019 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Never thought it would happen to me - life changing injury
Replies: 38
Views: 4771

Re: Never thought it would happen to me - life changing injury

Life insurance on your wife has been suggested. If available, it is also important to have disability insurance on her as well.
by sport
Sat Jan 19, 2019 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Not getting transaction confirmation emails
Replies: 12
Views: 652

Re: Not getting transaction confirmation emails

Upon further investigation this problem seems to occur when Vanguard sends the confirmation message to an email address destination that in turn forwards the email message to another email address. Some folks use an email forwarding service to obtain a permanent email address - for example an addre...
by sport
Sat Jan 19, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 55
Views: 4283

Re: Buy house without agent

Real estate agents are useless. They always tell you to put in a higher offer to ensure the deal goes through. I've heard you should use a lawyer to look over the contract if you are buying without one though. It might cost a lot. I had a lawyer review my contract. He charged me $200. He answered m...
by sport
Thu Jan 17, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 96
Views: 8983

Re: Gas station prices and quality

[...]This just happened overnight. Yesterday, gas prices were $1.94 to $1.99 around the area I drive through. This morning, I see a uniform price of $2.19 Has anything happened that you are aware of that caused gas prices to spike 10%? This is definitely price gouging, though I don't know who we co...
by sport
Wed Jan 16, 2019 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Not getting transaction confirmation emails
Replies: 12
Views: 652

Re: Not getting transaction confirmation emails

I have been having this since problem since the middle of December. My email goes to a gmail account which gets forwarded to a Yahoo mail account provided by my ISP. Yahoo has been bouncing the confirmation emails and I find the bounced emails in the spam folder in my gmail account, even though gmai...
by sport
Wed Jan 16, 2019 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered vs bank CD
Replies: 10
Views: 962

Re: Brokered vs bank CD

What is premium portion in brokered cd . If interest rates fall after a CD is issued, its value increases. For example, let's say someone bought a 4 year CD last November that yielded 3.4%. Now those same CDs yield about 3.0%. So, if you want to buy that 3.4% CD on the secondary market, you will ha...
by sport
Wed Jan 16, 2019 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered vs bank CD
Replies: 10
Views: 962

Re: Brokered vs bank CD

It certainly is more convenient to have all the CDs in one place, and if that is where your other accounts are held, that is even more so. There are some major differences between brokered CDs and direct CDs: Brokered CDs do not reinvest the interest, it goes into your settlement fund. Brokered CDs ...
by sport
Wed Jan 16, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Owned By Revocable Living Trust
Replies: 15
Views: 897

Re: Auto Owned By Revocable Living Trust

Our trust attorney suggested putting the cars in the living trust. However, I told her I did not want that for two reasons: 1. Lawsuit situations where the other party would consider us to be a prime target. 2. If stopped for a traffic infraction, I would want a little pity from the officer who migh...
by sport
Wed Jan 16, 2019 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: VOO OR VTSAX FOR BROKERAGE ACCOUNT
Replies: 13
Views: 352

Re: VOO OR VTSAX FOR BROKERAGE ACCOUNT

VTSAX minimum is now $3000.
by sport
Wed Jan 16, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2404

Re: End of an era - Boeing 727

I live on the flight path of CVG/Cincinnati Airport. We are right at the edge of the 5 mile restriction zone. We mostly get arrivals, but occasionally departures as well. When we first moved in in the late 90’s, we would get the occasional 727 taking off. Loud as hell, left a big smoke trail behind...
by sport
Tue Jan 15, 2019 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree seeking FI opinions of other retirees....
Replies: 1
Views: 417

Re: Retiree seeking FI opinions of other retirees....

Perhaps put the CDs in the IRA and have all TE bonds in taxable.
by sport
Tue Jan 15, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a trustee
Replies: 46
Views: 3268

Re: Choosing a trustee

It was many years ago, but when our children were young, we named a family member as guardian. However, we did not think this person would be a good money manager. On the advice of the attorney who drew up our wills, we set up a testamentary trust, which named a local bank as trustee and specified t...
by sport
Tue Jan 15, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Mowing Business
Replies: 11
Views: 1791

Re: Mowing Business

Depending on state law, anyone he hires would have to have the proper driver's license for driving a truck as an employee. An ordinary license may not be sufficient.
by sport
Mon Jan 14, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from escrow to Savings
Replies: 6
Views: 626

Re: Moving from escrow to Savings

I called Fidelity, where all my money is, and their money market is paying 2.25%. so I'm definitely going to use them. Vanguard Prime MM fund is currently yielding 2.45%. The Vanguard Federal MM fund is currently yielding 2.30% and might be a better choice depending on your state income tax situati...
by sport
Mon Jan 14, 2019 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: After tax contribution OR roth conversion?
Replies: 31
Views: 822

Re: After tax contribution OR roth conversion?

Do the Roth conversions after you retire when your tax bracket is lower.
by sport
Mon Jan 14, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Moving from escrow to Savings
Replies: 6
Views: 626

Re: Moving from escrow to Savings

I always used a Vanguard money market fund for that purpose. It's very convenient and the interest rate is good.
by sport
Sat Jan 12, 2019 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Withdrawal Plans
Replies: 6
Views: 713

Re: RMD Withdrawal Plans

401(k) accounts are heavily governed by the plan rules setup between the 401(k) plan's sponsoring employer and its custodian. Have you considered rolling the Schwab 401(k) into a Schwab IRA where you aren't bound by the employer agreement? I am surprised that so many people do not rollover their 40...
by sport
Sat Jan 12, 2019 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX - [Vanguard Prime Money Market Fund vs. online bank]
Replies: 10
Views: 1855

Re: VMMXX -

Transferring money between a bank checking account and a Vanguard MM fund is easy. It normally takes a day or two. However, you need to set up the bank link at Vanguard to make this happen. That will take longer, as Vanguard implements security steps to make sure that the bank account is really your...
by sport
Sat Jan 12, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: missed RMD for several years
Replies: 5
Views: 1180

Re: missed RMD for several years

I believe you need to file form 5329 for each year of rmds missed. My understanding is that the irs is pretty good about forgiving the penalty. Here is a previous thread on missed rmds. https://www.bogleheads.org/forum/viewtopic.php?t=115324 Hmmm. So, the upshot is that you can pretty much ignore R...
by sport
Sat Jan 12, 2019 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Employer plan at Ed Jones
Replies: 6
Views: 711

Re: Employer plan at Ed Jones

Is there an ability to transfer money from your simple IRA to another IRA of your choice, perhaps once a year? If so, you could just use the least expensive fund, and it would never have too much in it.
by sport
Sat Jan 12, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard Treasury vs Federal MoneyMarket
Replies: 9
Views: 752

Re: Vanguard Treasury vs Federal MoneyMarket

If you are subject to state income taxes, the treasury fund has an advantage over the federal fund. As I recall, the treasury fund is backed by the full faith of the US treasury. However, I believe the federal fund does not have that status, and therefore is slightly more risky.
by sport
Sat Jan 12, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 3967

Re: Brake fluid replacement?

The owner's manual for my 2010 Camry does not mention anything about changing brake fluid. It just says to keep the correct level. My independent mechanic who specializes in Toyotas does not recommend changing brake fluid.
by sport
Fri Jan 11, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Borrowing" strategy from IRA
Replies: 19
Views: 933

Re: "Borrowing" strategy from IRA

You can take money out of an IRA for 60 days once per year. However, if you do not pay it back, it becomes a permanent depletion of your retirement savings. If it is a traditional IRA, it becomes taxable income, and if you are younger than 59.5 there is a 10% penalty on top of the taxes. I know you ...
by sport
Fri Jan 11, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1552

Re: Cleaning Car Battery Terminals

The corrosion on the positive terminal is caused by electrolyte (acid) that leaks through the interface of the lead terminal and the plastic cover. The cover is molded with a lead insert (the terminal). The lead insert has a convoluted shape in the area where it contacts the plastic. This "tortuous ...
by sport
Fri Jan 11, 2019 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: How fast from a Mutual Fund to a Brokered CD at Vanguard
Replies: 3
Views: 393

Re: How fast from a Mutual Fund to a Brokered CD at Vanguard

Original issue brokered CDs are offered in advance of their "start date". If you buy one, your order sits as pending until they accept it. This usually occurs within 2 or 3 days of the "start date". However, when I bought one last month, it was accepted about a week before the start date, and at the...
by sport
Fri Jan 11, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1552

Re: Cleaning Car Battery Terminals

One other detail not mentioned yet. That white corrosion is an insulator. If it builds up between the terminal and the connector, the car will not start, until it is removed. Goggles Remove negative connector Remove positive connector Baking soda solution/brush Rinse Wire brush Rinse Grease (no pain...
by sport
Fri Jan 11, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7772

Re: United, American Airlines, Delta--about the same?

Of course, the problems cited in this thread are mainly just inconvenience. I was on a commuter flight from Cleveland to Lansing, MI. While we were in the air, the pilot announced that their instruments identified a problem with the nose wheel and they needed to go to Flint MI, because they did not ...
by sport
Thu Jan 10, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3144

Re: Car Battery

willthrill81 wrote:
Wed Jan 09, 2019 11:35 pm
Battery explosions are statistically rare. If...you're careful to avoid sparks,...
That can be a big "if".
by sport
Wed Jan 09, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8900

Re: Shingrix [Vaccine availability]

The questionnaire we filled out when we got the last shot asked "Are you at least 50 years old?"
by sport
Wed Jan 09, 2019 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on secular donations & time donations
Replies: 22
Views: 1195

Re: Suggestions on secular donations & time donations

I have been donating to Smile Train. They provide free cleft palate surgery in third world countries. For $250, you can provide a normal life for a child that would not otherwise be available.
by sport
Wed Jan 09, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2321

Re: How do you manage credit card use with monthly budget

You could use the balance on your cards at the end of the month for your calculation.
by sport
Wed Jan 09, 2019 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Monthly RMD from VG
Replies: 10
Views: 898

Re: Monthly RMD from VG

Welcome to the forum. My choice would be to make a decision each month, taking the withdrawal from the fund which is over my target allocation. For example, if the allocation becomes 39/61, take it from the bond fund; if it becomes 41/59, take it from stocks. This also lets you make QCD donations if...
by sport
Wed Jan 09, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 25
Views: 2068

Re: Discounted Postage Stamps

IMO 60% of face value is a good deal. How much money is involved? The nuisance factor is minor. Since they were bought at a discount, if the combined value on an envelope exceeds the total you are aiming for by a few cents, it does not matter. It would not bother me to moisten the glue on an old-fas...
by sport
Wed Jan 09, 2019 3:47 pm
Forum: Investing - Theory, News & General
Topic: Savings accounts
Replies: 11
Views: 1578

Re: Savings accounts

I just use Vanguard Money Market Prime fund. The current SEC yield is 2.44%. It is linked to my local checking account. Easy transfers in either direction, with no restrictions on the number of transactions.
by sport
Wed Jan 09, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3144

Re: Car Battery

My dad is a snowbird, and leaves a car in his driveway in Tucson for 8-9 months without issue. He removes the positive battery lead, and adds stabilizer to the gas tank before he leaves. He's been doing this for decades, and finds that the battery has no problems starting his car when he returns. (...
by sport
Wed Jan 09, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8900

Re: Shingrix [Vaccine availability]

ResearchMed wrote:
Wed Jan 09, 2019 12:09 pm
I didn't know an Rx was needed for Shingrix.
It is not needed.
by sport
Wed Jan 09, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1508

Re: Fender Bender backing out of garage. File a claim with insurance?

Not all dealers do body work. It wouldn't hurt to get a quote from the dealer's shop if they have one, but don't assume that the dealer-affiliated shop will be any better than the shops you've already consulted. With a $1000 deductible, I would not file an insurance claim for an incident like this....
by sport
Wed Jan 09, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3144

Re: Car Battery

your battery isn't going to explode unless you do something stupid, etc. It's actually pretty easy to cause a battery to explode. If you know what you are doing, it is easy to prevent this. Most people don't know what they are doing when it comes to auto batteries. They don't teach this in schools,...
by sport
Wed Jan 09, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: State Insurance Guaranty Pools
Replies: 10
Views: 657

Re: State Insurance Guaranty Pools

So if you have a homeowners policy, a hurricane comes through that causes so much damage that causes your insurance company to bankrupt, the guaranty fund steps in to pay the claims. My understanding is that if a HO insurance company has too much business within a small area, they reinsure with oth...
by sport
Wed Jan 09, 2019 12:05 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2652

Re: How to save on prescription drug costs?

I use a brand name prescription eye drop and bought a bottle today. Pharmacist told me that it retails for nearly $400. My insurance's negotiated price is $178 - all mine to pay right now, because I haven't met my deductible. With a "coupon", I paid $25. Crazy. Moral: find a pharmacy that finds the...
by sport
Tue Jan 08, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3144

Re: Car Battery

btenny wrote:
Tue Jan 08, 2019 5:24 pm
Unhook the positive cable and move it away so it does not touch the battery.
NO!!! This is dangerous. Disconnect the negative cable.
by sport
Tue Jan 08, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3144

Re: Car Battery

If you decide to disconnect the battery, just disconnect the negative (grounded) cable. Disconnecting one cable is sufficient. Disconnecting the positive cable can be very dangerous while the other cable is still connected. When disconnecting both cables, always disconnect the negative cable first, ...
by sport
Tue Jan 08, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: VMMXX - Interest or Dividend Tax?
Replies: 10
Views: 1071

Re: VMMXX - Interest or Dividend Tax?

The idea behind "qualified dividends" is that when companies pay stock dividends, the money comes from profits that have already been taxed at their corporate rate. So, the money in these dividends is actually being taxed twice, once at the corporate level, and again at the shareholder level. Money ...
by sport
Tue Jan 08, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7772

Re: United, American, Delta--about the same?

I did not expect, nor did I want another tray with a full meal. Just something to keep the baby happy. A cookie or some fruit would have been appreciated. They would not give him anything at all. BTW, this was not "in the current era of mass travel". It was more than 40 years ago. This much I could...
by sport
Tue Jan 08, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Job Loss Checklist
Replies: 18
Views: 1900

Re: Job Loss Checklist

Our best job hunting advice: Embrace the targeted cover letter! The hardest part when applying is getting past (a) the resume bot and (b) HR recruitment. My husband started making a cover letter (which can often be attached directly to the resume when applying online) that included a bullet point l...
by sport
Tue Jan 08, 2019 5:56 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2652

Re: How to save on prescription drug costs?

Some meds are temp dependent and shouldn’t be mailed. Something to keep in mind. My Kaiser pharmacy will mail almost refill prescriptions to us. Am I wrong to assume that this is safe? If not "safe", then why would they do it? I had an Rx mailed to me by ExpressScrips. It was a nasal spray and I co...