Search found 342 matches

by A440
Sun May 19, 2019 5:47 am
Forum: Personal Consumer Issues
Topic: How do I prevent yellow underarm stains on my white shirts?
Replies: 24
Views: 3090

Re: How do I prevent yellow underarm stains on my white shirts?

I'm "test-driving" this product with new undershirts: https://www.amazon.com/Dove-Men-Care-St ... 35TD54QMV7
Time will tell how it works with avoiding yellow stains.
by A440
Mon May 13, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 60
Views: 11989

Re: Home Air Filters

This link about furnace filters from the people at Family Handyman might be helpful in choosing:
https://www.familyhandyman.com/heating- ... rs-to-buy/
by A440
Mon May 13, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 60
Views: 11989

Re: Home Air Filters

I buy cheap Flanders fiberglass filters that I change every 30 days. DONT BUY EXPENSIVE FILTERS! I have a few buddies that do HVAC and they all use cheap fiberglass filers. The others restrict air and put more strain on the unit, wearing them down faster. +1 I have Alexa remind me to change them :h...
by A440
Sun May 12, 2019 5:48 am
Forum: Investing - Theory, News & General
Topic: Is an annuity tax-free if purchased with insurance pay-out?
Replies: 4
Views: 572

Re: Is an annuity tax-free if purchased with insurance pay-out?

Yes, a SPIA would be the plan to give her her own "pension".
by A440
Sat May 11, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: Is an annuity tax-free if purchased with insurance pay-out?
Replies: 4
Views: 572

Is an annuity tax-free if purchased with insurance pay-out?

I couldn't find an answer to this. If DW purchases an annuity with the payout from a term life policy, is the annuity income tax-free? I believe the payout from term life is tax-free The answer might help to lean in favor of whether or not to do a pension max strategy with a term life policy that ge...
by A440
Mon May 06, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 67
Views: 4362

Re: Anybody try the Blue Apron or the like?

We have used the food service that comes mostly prepared and you just need to cook it or provide minimal prep. We used the service to provide food for aging parents when they were dealing with medical issues and didn't have the time to shop for groceries and cook meals, or wished to have them eat he...
by A440
Sun May 05, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2093

Re: College Tours and Open Houses

We began touring colleges this year for our sophomore. We started in-state because that is the cost what we plan to cover (except for books and whatever else gives DS "some skin in the game"). We just finished touring several out of state schools to give a comparison. The purpose of the touring so ...
by A440
Sun May 05, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2093

Re: College Tours and Open Houses

Your son will have his "aha" moment. Has he been extremely enthusiastic about any of the colleges he has visited? His favorite campus had everything but the major of interest. It was small, rural, beautiful, close to the mountains and snowboarding. The price was also nice. His second favorite campu...
by A440
Sun May 05, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2093

Re: College Tours and Open Houses

student wrote:
Sun May 05, 2019 6:34 am
Why go out of state? I see that you are from NJ, which has Rutgers, an excellent state school.
I agree, but DS didn't like the campus. I'm favor of it (especially the price), but I'm not the one going to college and who needs to be successful and happy with the choice made.
by A440
Sun May 05, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2093

College Tours and Open Houses

We began touring colleges this year for our sophomore. We started in-state because that is the cost what we plan to cover (except for books and whatever else gives DS "some skin in the game"). We just finished touring several out of state schools to give a comparison. The purpose of the touring so f...
by A440
Thu May 02, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard randomly not reinvesting dividends
Replies: 36
Views: 3599

Vanguard system glitch?

[Thread merged into here, see below. --admin LadyGeek] Last month my dividend for one of my Vanguard Brokerage accounts went to the wrong account. My elections are for it to go to my bank, which it has done correctly every month. Due to a Vanguard system glitch, the dividends were sent to my settle...
by A440
Tue Apr 23, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly, even lower opinion of financial planners/money managers
Replies: 67
Views: 5842

Re: Suddenly, even lower opinion of financial planners/money managers

Were you so inspired by the Bogle way that you felt compelled to either start a side hustle, make a career switch, or embark on a post-retirement second career in financial planning? I am so chagrined by the 403b and 403b(7) options available for teachers in our district that I've thought about of ...
by A440
Tue Apr 23, 2019 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Suddenly, even lower opinion of financial planners/money managers
Replies: 67
Views: 5842

Re: Suddenly, even lower opinion of financial planners/money managers

Were you so inspired by the Bogle way that you felt compelled to either start a side hustle, make a career switch, or embark on a post-retirement second career in financial planning? I am so chagrined by the 403b and 403b(7) options available for teachers in our district that I've thought about of ...
by A440
Tue Apr 23, 2019 5:58 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3516

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

1-I paid my local mechanic (who is highly rated) to replace the front brakes, as I didn't have the time or inclination to do it. The next day we took a family trip to Niagara Falls (7 hours away). As I am driving 75 mph on I-81 I notice the steering wheel feels "funny" when banking around turns. I d...
by A440
Mon Apr 22, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11560

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

Pension age and subsidized healthcare. Both age 55.
Getting closer, but not there yet.
by A440
Mon Apr 22, 2019 3:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 191
Views: 29145

Re: Vanguard 403b Changes

EdLaFave wrote:
Mon Apr 22, 2019 12:50 pm
I’m sure a current account holder can tell you exactly where to see the fee being applied.
Sure...
-Go to your Vanguard 403b Dashboard (via "Go to my 403b plan details" on Vanguard Site).
-Click on Statements and choose the most recent one
-Under Fees you will see the $15 fee for the quarter.
by A440
Mon Apr 22, 2019 6:40 am
Forum: Personal Finance (Not Investing)
Topic: CFP [Anyone here taken the CFP exam?]
Replies: 12
Views: 1631

Re: CFP

Soon2BXProgrammer wrote:
Sun Apr 21, 2019 9:44 am
I am taking the education though: https://www.theamericancollege.edu/desi ... egrees/CFP
How are you finding the courses? I am interested in taking the RICP course when I FIRE, just for my own knowledge.
by A440
Mon Apr 22, 2019 6:31 am
Forum: Personal Investments
Topic: Invest 529 or taxable account?
Replies: 55
Views: 3757

Re: Invest 529 or taxable account?

I was one of those unlucky kids with parents that were too poor to pay for a full college ride but too rich for need-based scholarships, so I am preparing for the worst case scenario and saving for 4 years at a in-state, state-supported college for each child. Like you, its about $300 a month for e...
by A440
Mon Apr 22, 2019 5:44 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4062

Re: Tips for getting the most out of your cruise?

Thanks bottlecap and MSI for the great tips. MSI, sorry the Flyers didn't make it to the Stanley cup playoffs. Maybe there's still hope for the Sixers and Phillies? :happy Do either of you know if lunch is offered in the main dining room on embarkation day? Or, is Cafe Promenade a better option than...
by A440
Sun Apr 21, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4062

Re: Tips for getting the most out of your cruise?

Thanks for all the tips. FWIW, We chose RCI because they were rated high when traveling with teens and tweens. I see they have different programs for each age group, so they don't need to be together or with their parents all day. :mrgreen: We also chose a room out the back of the boat because the b...
by A440
Sun Apr 21, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4062

Tips for getting the most out of your cruise?

Any tips from the Boglehead cruisers that you've learned? E.g. how to avoid lines, get a good seat/chair. Any "secrets" that aren't the common knowledge type? We are driving to the port and don't need to worry about flights. I'll also check with cruisecritic as well, but wanted to hear first from ou...
by A440
Sat Apr 20, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 827
Views: 81656

Re: What frugal thing did you do today?

Replaced the drive rollers on our NordicTrack Classic Pro skier from the 1990's.
Parts $65, time to swap them out 5 minutes.
Works like new :happy
by A440
Wed Apr 17, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Rheem Central Air with leaking coil?
Replies: 9
Views: 597

Rheem Central Air with leaking coil?

Looking for some advice on this. My parents have a Rheem Central Air unit that is 8 years old. The coil is slowly leaking refrigerant. The company that makes the coil (not Rheem) is out of business, apparently because there were so many issues with the coil. The installer is "100% certain" the leak ...
by A440
Tue Apr 09, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 40
Views: 3716

Re: Grand Canyon and Sedona

Thank you. This is very helpful and on topic. :D
by A440
Mon Apr 08, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 40
Views: 3716

Re: Grand Canyon and Sedona

Yes. Crowds and temps are the main reason we are visiting in April vs. August.
by A440
Sun Apr 07, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 40
Views: 3716

Re: Grand Canyon and Sedona

Thanks everyone. I appreciate the suggestions and words of wisdom. Originally, we were thinking of skiing out west next April (see my earlier post) but I learned many of the ski resorts close before we could get out West. So G.C. was plan "B". I did reserve a third night at a South Rim lodge, so if ...
by A440
Sat Apr 06, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 40
Views: 3716

Grand Canyon and Sedona

We are planning a trip out West to Grand Canyon and Sedona next Easter (2020). We will be flying into Las Vegas (in lieu of Phoenix) so my son who is interested in civil engineering can tour the Hoover Dam. We have secured two nights lodging at the South Rim inside the park (for our arrival day) and...
by A440
Thu Apr 04, 2019 6:47 pm
Forum: Investing - Theory, News & General
Topic: How accurate is Vanguard's Personal Performance?
Replies: 4
Views: 1034

How accurate is Vanguard's Personal Performance?

I'm curious how accurate Vanguard's Personal Performance Rate of Return is? I know it no longer includes 403(b) plan information. Is there a better way to calculate one's portfolio performance over a 1, 3, 5 and 10 year period?
by A440
Wed Apr 03, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A check understanding
Replies: 2
Views: 277

Medicare Part A check understanding

My DW has been a SAHM since our children where born. She is 1 credit shy of earning SS benefits. I let her know if she earned just one more credit (~$1,300) she would get all the money back she contributed (and more) to SS when she was working and qualify for free Medicare Part A premiums. For one r...
by A440
Tue Apr 02, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26199

Re: "The best and worst U.S. states for retirement"

HomerJ wrote:
Tue Apr 02, 2019 9:16 am
Another option is to just have one home, but rent 3-4 months out of the year someplace warmer or cooler.
+1 Although, I could probably afford 2 months max.
And you can change where you rent each year to enjoy all the diverse places and people in our country.
by A440
Tue Apr 02, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 12828

Re: What is your annual cost for health insurance?

By the way, I wouldn’t count Roth IRA contributions as an expense. That’s money you’re saving.
I treat anything going out as an expense, even if it is an investment. When it comes back in, it counts as income. "Pay yourself first" :happy
by A440
Mon Apr 01, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26199

Re: "The best and worst U.S. states for retirement"

I can makes plans all day where to live in retirement, but my lovely bride reminds me we will be living wherever the grandchildren are. Happy wife...
by A440
Sun Mar 31, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 12828

Re: What is your annual cost for health insurance?

After finishing my taxes this year and seeing what I paid in Federal taxes for working 1 full-time and 2 part-time jobs in 2018, I found it interesting that I paid more last year in healthcare and prescription premiums (not co-pays) for my family of 4 than I did in Federal taxes. Is this normal for ...
by A440
Sat Mar 30, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26199

Re: "The best and worst U.S. states for retirement"

Maybe NJ would have rated better if the NJ Legislature hadn't tabled the cannabis legislation. :mrgreen:
by A440
Sat Mar 30, 2019 5:11 am
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 57
Views: 9333

Re: Lincoln Investments "Participant Directed Platform"

A440: Thank you very much for this info and resource. Based upon same, we have just turned over all of my W's 403(B) investments. This thread was 'well done'!! Bump for same as the info here can make a real difference for all and esp those just starting out... Cheers. :beer Awesome! That's why we'r...
by A440
Sat Mar 30, 2019 5:09 am
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 57
Views: 9333

Re: Lincoln Investments "Participant Directed Platform"

Update on Fees: According to my December '16 statement from Lincoln: "RetirementSOLUTIONS PREMIER Custodial Fee Elimination For those investors with retirement accounts, the annual retirement plan custodial fee that ranges from $0 to $35 per account for up to two accounts (maximum of $70) is being ...
by A440
Tue Mar 26, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 7316

Re: Paid off mortgage!

Grt2bOutdoors wrote:
Tue Mar 26, 2019 10:42 am
Congratulations! :sharebeer
Now, treat yourself to a nice dinner or a bottle of bubbly, then redirect your old mortgage payment into your taxable account. Don't upgrade your lifestyle, save/invest it.
+1
by A440
Mon Mar 25, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: East coast road trip with young kids, any stops?
Replies: 27
Views: 1387

Re: East coast road trip with young kids, any stops?

6 and 3 years old are the perfect ages to spend a day or half a day at Storybook Land (https://storybookland.com/) near Atlantic City, NJ. It has plenty of shade, clean and not too overwhelming. While you are in the neighborhood, take a 30 minute drive to the Cape May Zoo (free) and maybe stay over...
by A440
Mon Mar 25, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: East coast road trip with young kids, any stops?
Replies: 27
Views: 1387

Re: East coast road trip with young kids, any stops?

When kids were young we always stopped at Knoebels; a low pressure place with kids rides (pay per ride if you like, free entry, bring in food, cheap and decent food to buy) - https://www.knoebels.com/plan-your-visit/pricing . Since your in NH; it's a lot like storyland and is a decent distance for ...
by A440
Sun Mar 24, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: East coast road trip with young kids, any stops?
Replies: 27
Views: 1387

Re: East coast road trip with young kids, any stops?

6 and 3 years old are the perfect ages to spend a day or half a day at Storybook Land (https://storybookland.com/) near Atlantic City, NJ. It has plenty of shade, clean and not too overwhelming. While you are in the neighborhood, take a 30 minute drive to the Cape May Zoo (free) and maybe stay over...
by A440
Sun Mar 24, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: East coast road trip with young kids, any stops?
Replies: 27
Views: 1387

Re: East coast road trip with young kids, any stops?

6 and 3 years old are the perfect ages to spend a day or half a day at Storybook Land (https://storybookland.com/) near Atlantic City, NJ. It has plenty of shade, clean and not too overwhelming. While you are in the neighborhood, take a 30 minute drive to the Cape May Zoo (free) and maybe stay overn...
by A440
Fri Mar 22, 2019 8:05 am
Forum: Personal Investments
Topic: Pre-Retirement Checklist
Replies: 13
Views: 1295

Pre-Retirement Checklist

My planned retirement is a few years away. I've started a pre-retirement checklist and would like to ask if there are some other items I should add? Here's what I have so far, in no particular order: 1- Be debt free 2- Have 2 years expenses in cash/short-term reserves 3- Determine a retirement budge...
by A440
Thu Mar 21, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5180

Do you still wear a necktie to work?

For many years (20 or more) I wore a necktie to work everyday. Now, it seems as though the fashion trend is to not wear a necktie, even with a suit or sport coat. I don't follow most fashion trends (much to the chagrin of my wife), but I have cut way back on wearing neckties. Is it time to send most...
by A440
Thu Mar 21, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance
Replies: 14
Views: 936

Re: Travel Insurance

dvmmph wrote:
Wed Mar 20, 2019 11:07 pm
Allianz Global Assistance
+1
With elderly parents who are not in the best of health. It makes sense for us.
by A440
Wed Mar 20, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 2192

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

aas wrote:
Tue Mar 19, 2019 6:32 pm
I had OOMA for over 5 years, the calls quality have been very good and I have not had any issues with it. I pay about $5 month for taxes only, but I did not sign up for ooma premier due to cost and is not necessary for me.
+1 Same experience here.
by A440
Sat Mar 09, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 3492

Re: Garbage Disposal: So many choices out there. How do you decide which one?

Once you decide which model to purchase, use your car's jack to help raise it up and hold it in place while you attach it. I got this trick from Family Handyman magazine. Sure is a lot easier than trying to hold it in place while mounting it under the sink.
by A440
Tue Mar 05, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 5796

Re: portable jump starters

FWIW, I have used DBPower Portable Jump Starter to jump my car, my parents car and any person I find whose car is in need of a jump. It also charges phones/laptops and comes with many adapters. I bought it on Amazon and it has paid for itself several times over. Very easy to use and holds a charge f...
by A440
Tue Mar 05, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 5591

Re: How long have you gone without a raise?

Technically, I have received a raise every year. However, due to the cost of healthcare premiums rising and along with it the percentage of my required contribution, my take home pay has been less every year for the past 4 years. My annual raise of 1% or less can't keep up with the annual increase o...
by A440
Tue Mar 05, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 164469

Re: Boglehead Beer

As others have mentioned, Unibroue's La Fin Du Monde Almost anything from this brewery is fantastic. My favorite is "La Terrible", a dark strong ale. For those that don't know, Trader Joe's annual Vintage Ale ( here's the 2018 release ) is made by Unibroue, and is a great deal. I buy a case almost ...
by A440
Mon Mar 04, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 164469

Re: Boglehead Beer

As others have mentioned, Unibroue's La Fin Du Monde