Search found 10078 matches

by sport
Tue Apr 20, 2021 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 485
Views: 31218

Re: "Nobody's ever regretted paying off the mortgage."

Can't live in an S&P 500 fund. And since no one can predict the market, there's nothing that says the S&P can't go bear for a lengthy time. On the other hand, I can live in this paid off home for the rest of my life and not care about its value whatsoever. Housing is a basic need, and when ...
by sport
Tue Apr 20, 2021 4:29 pm
Forum: Personal Consumer Issues
Topic: Sell or Hold Used Car and Buy New?
Replies: 22
Views: 1263

Re: Sell or Hold Used Car and Buy New?

If you need a new car, buy one. If you do not need one, you have better places for your money.
by sport
Tue Apr 20, 2021 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 485
Views: 31218

Re: "Nobody's ever regretted paying off the mortgage."

Can't live in an S&P 500 fund. And since no one can predict the market, there's nothing that says the S&P can't go bear for a lengthy time. On the other hand, I can live in this paid off home for the rest of my life and not care about its value whatsoever. Housing is a basic need, and when ...
by sport
Tue Apr 20, 2021 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 485
Views: 31218

Re: "Nobody's ever regretted paying off the mortgage."

Can't live in an S&P 500 fund. And since no one can predict the market, there's nothing that says the S&P can't go bear for a lengthy time. On the other hand, I can live in this paid off home for the rest of my life and not care about its value whatsoever. Housing is a basic need, and when ...
by sport
Tue Apr 20, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How Long Would You Stay in a Boring Government Job?
Replies: 104
Views: 5796

Re: How Long Would You Stay in a Boring Government Job?

It’s not getting out of bed, it’s being told to be somewhere for a certain period of time “just because that’s the way we do it.” Most jobs are like this. If they pay you, they want you to be available. I value my time and flexibility over almost everything Perhaps you should place more value on fi...
by sport
Tue Apr 20, 2021 11:32 am
Forum: Personal Finance (Not Investing)
Topic: How Long Would You Stay in a Boring Government Job?
Replies: 104
Views: 5796

Re: How Long Would You Stay in a Boring Government Job?

This might be semantics, but I only really hate the schedule. The job is boring but tolerable. I like the people here. But again, ya, 8-4 is not my thing. So basically your life is great but you can't be bothered getting out of bed early? This is my reaction too. You don't seem to appreciate how go...
by sport
Mon Apr 19, 2021 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: First time buyer Homeowners Insurance
Replies: 6
Views: 418

Re: First time buyer Homeowners Insurance

You may get a lower price on both your home and auto insurance if you have them with the same company. So, when you compare prices, price the entire package.
by sport
Mon Apr 19, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: Kitchen/bar towel maintenance?
Replies: 25
Views: 1722

Re: Kitchen/bar towel maintenance?

We use "Handi Wipes" reusable cloths. We rinse them when dirty and put them in the wash once a week. When they fall apart, we replace them. https://www.handiwipes.com/
by sport
Sun Apr 18, 2021 10:10 pm
Forum: Personal Consumer Issues
Topic: Cost of a 4 seasons room build in midwest?
Replies: 5
Views: 790

Re: Cost of a 4 seasons room build in midwest?

There is a company that specializes in that type of project. I don't know if they would be more or less expensive than other builders.
https://www.patioenclosures.com/
I have no experience of knowledge of this company except that they advertise in my area. Perhaps there are other such companies.
by sport
Sun Apr 18, 2021 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 485
Views: 31218

Re: "Nobody's ever regretted paying off the mortgage."

if you are selling a higher yielding asset (bonds) to pay off a liability with lower financial cost then aren't you worse off? If the after-tax mortgage rate was higher than the after-tax bond yield then I understand that it would make sense to pay off the mortgage liability. Do the asset and liabi...
by sport
Sat Apr 17, 2021 3:24 pm
Forum: Personal Consumer Issues
Topic: Indestructible ants?
Replies: 22
Views: 2039

Re: Indestructible ants?

Sandtrap wrote: Sat Apr 17, 2021 2:42 pm If anyone knows what this stuff is made of, that would be good?
Wikipedia says: contains the pesticides deltamethrin and cypermethrin
by sport
Sat Apr 17, 2021 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Who can truly afford to buy a house in this market?
Replies: 26
Views: 1778

Re: Who can truly afford to buy a house in this market?

This varies a lot with location. I am located in a nice suburb of Cleveland OH with very good schools. According to Zillow, our house is worth only $5000 more than we paid for it when it was new in 2006.
by sport
Sat Apr 17, 2021 1:54 pm
Forum: Personal Consumer Issues
Topic: Another Tire Question
Replies: 13
Views: 822

Re: Another Tire Question

Thanks for the suggestions. I looked at Tire Rack web site. It is somewhat hard to decide because they are all very good tires. I think the tie-breaker is the Cross Climate 2 is indicated as very good in the snow. Considering the snow situation where I live (on the edge of the snow belt) it seems th...
by sport
Sat Apr 17, 2021 11:32 am
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1270

Re: Hoover Vacuum Problem (Mystery Solved)

SrGrumpy wrote: Sat Apr 17, 2021 11:04 am The next time I see sticky brown liquid leaking from something, I'll give it the taste test. Might get lucky with "the real thing."
:) :) :)
by sport
Sat Apr 17, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: Another Tire Question
Replies: 13
Views: 822

Re: Another Tire Question

dbr wrote: Sat Apr 17, 2021 10:15 am I don't know which of your list is all weather vs all season.
They are all designated as all season.
by sport
Sat Apr 17, 2021 9:39 am
Forum: Personal Consumer Issues
Topic: Another Tire Question
Replies: 13
Views: 822

Another Tire Question

I have decided to take advantage of Costco's current promotion on Michelin and BF Goodrich tires. I want to put a set of all-season tires on my 2013 Camry. I want the tires to be good in snow and on wet pavement. The car gets less than 10k miles per year. The car still has the original equipment tir...
by sport
Fri Apr 16, 2021 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: New vs used car in a strong used car market
Replies: 41
Views: 3154

Re: New vs used car in a strong used car market

Even in normal times, used Hondas and Toyotas command high prices. So, I would not expect them to come down very much. IMO, it is better to buy new rather than a late model used car for those two brands.
by sport
Fri Apr 16, 2021 2:59 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1270

Re: Hoover Vacuum Problem (Mystery Solved)

Well, the mystery has been solved. It turned out that there were two unrelated problems that happened at the same time. 1. The agitator belt broke. I replaced the belt and every thing is in working order. It may even last another 23 years. We even had an extra belt on hand, so the out-of-pocket cost...
by sport
Fri Apr 16, 2021 10:56 am
Forum: Personal Consumer Issues
Topic: Painting Vinyl Siding
Replies: 13
Views: 763

Re: Painting Vinyl Siding

How would the cost of painting compare with replacing the siding with the desired color? I had to buy a piece of siding one time and I was surprised how inexpensive it was.
by sport
Thu Apr 15, 2021 5:30 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1270

Re: Hoover Vacuum Problem

cheese_breath wrote: Thu Apr 15, 2021 5:17 pm Are you keeping this for it's antique value? Get a new one with a HEPA filter.
It has a HEPA filter. It has other nice features too, and it has worked very well. It may be time to send it to the great appliance cemetery in the sky, but that is what I am trying to determine.
by sport
Thu Apr 15, 2021 5:05 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1270

Hoover Vacuum Problem (Mystery Solved)

We have an upright Hoover vacuum cleaner that is about 23 years old. It is a fancy model with nice features. It has worked flawlessly until now. It has leaked about 2 oz. of a brown liquid. The liquid is a little sticky, but not oily. The motor and suction still work, but the brush no longer turns. ...
by sport
Wed Apr 14, 2021 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 485
Views: 31218

Re: "Nobody's ever regretted paying off the mortgage."

Why would you hold bonds while also having a mortgage? +1, I don't get this logic either ? It all depends on interest rates. There was a time in the 1970's where my mortgage was 6.75% and my money market fund was yielding 18%, and CDs were about 16%. It would have been very foolish to pay it off ea...
by sport
Tue Apr 13, 2021 9:17 pm
Forum: Personal Consumer Issues
Topic: 2021 Wrangler Rubicon unlimited
Replies: 29
Views: 2168

Re: 2021 Wrangler Rubicon unlimited

Consumer Reports has always rated Jeep products as having very poor reliability in the past. I have not seen recent ratings.
by sport
Tue Apr 13, 2021 6:47 pm
Forum: Investing - Theory, News & General
Topic: Cons of i bonds?
Replies: 113
Views: 11896

Re: Cons of i bonds?

If the 0% fixed I bonds will yield 3.54% doesn't that mean that the old 3.6% fixed I bonds will yield 7.14% ? That is a pretty good rate. :mrgreen:
by sport
Tue Apr 13, 2021 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2261

Re: Vanguard cash reserve check writing

We have money market account checks which we got in 2019 that show "Vanguard Prime Money Market Fund." However, I recently became concerned that checks written on the Prime Money Market Fund would no longer be honored by Vanguard even though one cleared on April 8th. I called Vanguard thi...
by sport
Tue Apr 13, 2021 1:51 pm
Forum: Personal Investments
Topic: Taxable account - tell me if my thinking is right on this.
Replies: 8
Views: 1796

Re: Taxable account - tell me if my thinking is right on this.

If you make charitable donations, donate appreciated shares rather than cash. This escapes the CG tax. You can then invest the cash you otherwise would have donated. It is also better from a tax standpoint to have bonds in your tax deferred account and stock in taxable.
by sport
Tue Apr 13, 2021 1:24 pm
Forum: Personal Investments
Topic: I need a checkwriting fund - help
Replies: 7
Views: 898

Re: I need a checkwriting fund - help

I use Vanguard Federal MM fund in my IRA to write checks for QCD donations. QCD rules require checks to be written directly on the IRA, either by me or by Vanguard.
by sport
Tue Apr 13, 2021 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: walking the last mile - selling our family home
Replies: 12
Views: 1864

Re: walking the last mile - selling our family home

We sold our home of 35 years where we raised our family. Our retirement house is much better suited for people our age. It is all on one floor where the old house had 3 levels. The new house is a cluster home. So, the HOA cuts the grass, trims the bushes, and plows the snow. So, we do not need to be...
by sport
Tue Apr 13, 2021 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2261

Re: Vanguard cash reserve check writing

Perhaps there is some confusion. The Prime MM fund was converted to the Federal Cash Reserves fund. That fund has check writing. However, there was/will be an automatic conversion of this fund to Admiral shares. The Admiral Federal Cash Reserves fund does not have check writing, this causing your ol...
by sport
Tue Apr 13, 2021 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2261

Re: Vanguard cash reserve check writing

Just found out about this. All my checkwriting accts are useless. Vanguard tells me I have to open new accts to get checkwriting back. Vanguard is horrible at this point. Moving my money to Fidelity. If you have a Vanguard account, all you need to do for check writing is to put money into the Feder...
by sport
Mon Apr 12, 2021 8:33 pm
Forum: Personal Consumer Issues
Topic: blue Sapphire jewelry
Replies: 9
Views: 928

Re: blue Sapphire jewelry

jpelder wrote: Mon Apr 12, 2021 7:54 am I'm not a member, but people speak highly of Costco's prices and selection.
Here is their on-line selection: https://www.costco.com/CatalogSearch?de ... e+sapphire
There may be other items in the store near you.
by sport
Mon Apr 12, 2021 2:56 pm
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 17
Views: 2861

Re: Gift Card to Permanently Closed Business

I am sure I was not the only one taking advantage of it but I am pretty sure when you factor in all things (rent/staff/food/insurance/ect) they lost money on the food I bought with a 33% discount. OTOH, some gift cards never get used or are only partially used. The unspent portion of the cards is &...
by sport
Sun Apr 11, 2021 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do - housing?
Replies: 11
Views: 2066

Re: What would you do - housing?

Would you consider moving? You have a big family and a SAHM. You can live like a King out here in the Midwest with a 5 bedroom new built house and make the same salary. +1 In my area I would expect ER physicians to make about the same amount. However, you can get a nice 4 bedroom house in a suburb ...
by sport
Sat Apr 10, 2021 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Paper return - did you receive your 2020 refund?
Replies: 3
Views: 289

Re: Paper return - did you receive your 2020 refund?

Jeev1 wrote: Sat Apr 10, 2021 11:03 am Some of us had to go snail mail route due to a reason beyond our control.
Creating this to keep the hope alive, one day the snail will WIN the race :happy

Paper return mailed on April 7th 2021
I mailed a paper return on March 4. IRS has not processed it yet.
by sport
Sat Apr 10, 2021 11:25 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 522

Re: IRS Direct Pay

I use EFTPS where it remembers my bank and it’s quite easy to make those estimated payments (easy once you determine the amount). The payment is processed fast, there is a history of payments and status that seems updated quickly after you pay. Can use this or other irs login at year end to see tot...
by sport
Sat Apr 10, 2021 10:39 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 522

Re: IRS Direct Pay

BogleTaxPro wrote: Sat Apr 10, 2021 10:34 am Yes! It's better to keep everything under the primary SSN of the tax returns so things don't get disconnected. Like this. Good to know you found it!
Many thanks for your help! I was worried that several thousand dollars got lost. :beer
by sport
Sat Apr 10, 2021 10:32 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 522

Re: IRS Direct Pay

Try going back to the IRS page Direct Pay instead, and use the lookup tool there (eg: https://directpay.irs.gov/directpay/paymentManager?execution=e1s1). You'll need the confirmation number and your SSN. Then you can confirm that you entered the SSN correctly and that you specified that it was for ...
by sport
Sat Apr 10, 2021 10:14 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 522

Re: IRS Direct Pay

HueyLD wrote: Sat Apr 10, 2021 9:57 am Did you save a copy of the confirmation after making the payment?
Yes!
by sport
Sat Apr 10, 2021 9:48 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 522

IRS Direct Pay

I file a MFJ tax return. Last year, our income was lower due to the suspension of RMDs. So, in May 2020, I made a significant Roth conversion up to the point where it would not increase our IRMAA payments. At that time, I also made an estimated tax payment to cover the tax on the conversion. I sent ...
by sport
Fri Apr 09, 2021 5:38 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4580

Re: The Great Swing Set Dilemma

What about this one from Costco? It is less expensive than your choices.
https://www.costco.com/cedar-summit-by- ... 39193.html
by sport
Fri Apr 09, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2997

Re: Are you competitive? If so, how do you compete as you get older?

Duplicate Bridge is all about competition. You do it while sitting. :D
You can find out all about it here: www.acbl.org
by sport
Thu Apr 08, 2021 3:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6234

Re: Vanguard Website

I just logged on today. Haven't done in quite a while. Upper right corner has "Last logon: Thursday, April 08, 2021 02:24 AM ET". No way Jose. I was dead asleep at that time and no-one else has my login credentials. Should we all be concerned about a data breach????? I just logged on to t...
by sport
Thu Apr 08, 2021 1:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6234

Re: Vanguard Website

Hi, I just signed up here bc I need to vent about the Vanguard website. It is so opaque and unhelpful when compared to fidelity's. The first thing I see at fidelity is how much my account is up or down at a given time, and the amount I'm up or down in each holding. Also there is a wonderful chart. ...
by sport
Wed Apr 07, 2021 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum Net Worth for a Trust
Replies: 10
Views: 2179

Re: Minimum Net Worth for a Trust

bsteiner wrote: Wed Apr 07, 2021 9:13 pm In most cases when you expect to have a taxable estate. Otherwise you would probably hold on to your assets to get a basis step-up at death.
Doesn't a Living Revocable Trust get a step-up at death?
by sport
Mon Apr 05, 2021 11:28 am
Forum: Personal Consumer Issues
Topic: Costco/Kirkland Premium Paper Towels (Roll Size?)
Replies: 12
Views: 1392

Re: Costco/Kirkland Premium Paper Towels (Roll Size?)

iamblessed wrote: Mon Apr 05, 2021 11:22 am I was going to look up the price but the costco web site is not as good as the sam's club web site. That's one area sam's is good at.
Costco web site and Costco stores often have different prices. The web site sometimes has higher prices that include delivery.
by sport
Mon Apr 05, 2021 10:44 am
Forum: Personal Consumer Issues
Topic: Buying pantry items in bulk
Replies: 22
Views: 1924

Re: Buying pantry items in bulk

Costco or costco.com is a good place to buy items in bulk. Quality tends to be very good and the prices are lower than most.
by sport
Sun Apr 04, 2021 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Banking - personal and biz at the same place?
Replies: 2
Views: 302

Re: Banking - personal and biz at the same place?

I avoid having credit cards with the bank I use for checking/savings accounts. This is due to the "right to offset". I do not have a business account.
by sport
Sun Apr 04, 2021 11:48 am
Forum: Personal Consumer Issues
Topic: "V" Rated Tired vs "H" Rated Tire
Replies: 12
Views: 941

Re: "V" Rated Tired vs "H" Rated Tire

Mainly because I'm in Pittsburgh and I can't find a tire yet that lasts past 25,000 miles here. What is it about Pittsburgh that is unusually hard on tires? Winter, hills, potholes, hills, bad roads, hills and hills. I fully fess up that there are better drivers who get longer tire life than me, bu...
by sport
Sun Apr 04, 2021 10:48 am
Forum: Personal Consumer Issues
Topic: "V" Rated Tired vs "H" Rated Tire
Replies: 12
Views: 941

Re: "V" Rated Tired vs "H" Rated Tire

Leesbro63 wrote: Sun Apr 04, 2021 9:52 am Mainly because I'm in Pittsburgh and I can't find a tire yet that lasts past 25,000 miles here.
What is it about Pittsburgh that is unusually hard on tires?
by sport
Sat Apr 03, 2021 10:13 pm
Forum: Personal Consumer Issues
Topic: Do maintenance free car batteries last as long in warm/hot climates?
Replies: 53
Views: 3155

Re: Do maintenance free car batteries last as long in warm/hot climates?

Car batteries should be checked at least once or twice a year for adequate fluid level in the cells. If the fluid level is below the bottom of the lower cap wall, add distilled water until fluid level just touches bottom of cap wall. Why do you feel that distilled water is necessary? At the factory...