Search found 1494 matches

by fposte
Tue Jun 18, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 5803

Re: Are you a member of nextdoor.com? Any concerns registering your info?

Ours is a ton of lost pets and rending of garments over this that and t'other, but as other people have said, it's also super helpful for getting recommendations on people to do all kinds of work. Take the recs with the usual grain of salt, but it's a way to find names of people who don't necessaril...
by fposte
Tue Jun 18, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9104

Re: Do you carry Umbrella Insurance?

Are there any statistics on the most useful amounts to insure for? Some people are saying they insure for net worth, some people are saying net worth is immaterial, some people are reporting catastrophic suits into the eight digits. If I have umbrella coverage for $5 million but plaintiffs may be re...
by fposte
Sun Jun 16, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4120

Re: My Bad Experience With Angie's List

Social media sites for my vacation home in an rural area less than 3000 people, where cell service is less than stellar (open signal.com will allow for visual service areas where contractors could call back) people don't know how to say no, we are not interested, or call back timely within reason. ...
by fposte
Sat Jun 15, 2019 9:30 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6103

Re: Why are my Vanguard returns suddenly so low?

Returns include value of dividends. For a price chart you might be right. With Vanguard, I would not be at all surprised if there were some lag time between the price of the fund going down and the dividend payout actually showing up in the account. That wouldn't be enough to take the OP from 7% to...
by fposte
Sat Jun 15, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 86
Views: 8466

Re: How safe are pensions in the U.S.?

State and local public pensions in the worst funded states are likely to be cut in the decades ahead. Even those that are "constitutionally protected" are likely to be impacted in a restructuring or bankruptcy process similar to what we see occurring in Puerto Rico right now. FWIW, I looked in deta...
by fposte
Sat Jun 15, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 67
Views: 4443

Re: IPhone 6 - showing some age

Oh, interesting--I have a 6 and just started having this problem as well. My battery health is over 80% and nothing specific happened before the change; I turned off everything running in the background and it hasn't seemed to make much difference. I like the phone and would definitely pay $99 to ge...
by fposte
Fri Jun 14, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 40
Views: 3212

Re: Cartier bracelet

My relative had a nice collection (since sold, some at auction) of 'pre-owned' jewelry, some worn by our great grandparents, others by royalty. No one had any problem with those items (unique, not mass-produced like some Cartier items) and they had wonderful stories from the past that came with the...
by fposte
Fri Jun 14, 2019 1:01 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6103

Re: Why are my Vanguard returns suddenly so low?

Are you by any chance talking about what you see on the phone app main screen? There the returns default to 1 year, at least on my iPhone interface. Those are going to be low because the market hasn't gone up a lot in that 1 year period. Have a look at the full site and check your returns at the dif...
by fposte
Thu Jun 13, 2019 7:00 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 86
Views: 8466

Re: How safe are pensions in the U.S.?

Illinois, which is trapped between the rock of a very underfunded pension and the hard place of state constitutional protection, is doing new kinds of buyout offers. I'm eligible for a partial one--trade my 3% compounded annual COLA for a lump sum (it was about 25% of my current total lump sum value...
by fposte
Thu Jun 13, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10849

Re: Retired at 35 and have no friends :(

fareastwarriors wrote:
Thu Jun 13, 2019 12:42 pm
If you're in the east bay of the San Francisco area, I can hang. I'm in my 30s with plenty of free time and no day job. :sharebeer
Looks like there's a Bay Area Bogleheads group, in fact. Might be one way to find some like-minded folks (if the OP is in the Bay Area, that is).
by fposte
Thu Jun 13, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10849

Re: Retired at 35 and have no friends :(

Now that I've left the corporate life and have free time on weekdays, I find that I have very little social life. A lot of people say this when they retire but I don't think it is true. You have exactly the same social life now as you had before you quit working. Social life is what happens outside...
by fposte
Mon Jun 10, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9104

Re: Do you carry Umbrella Insurance?

I suspect you've made up your mind, FWIW, I really haven't, and if anything I'm inclined towards it. It's just I'd like to hear more specific explanations and support for its benefits. So far I'm not sure if anybody here has even reported using it and whether it worked as desired, and it's been poi...
by fposte
Mon Jun 10, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9104

Re: Do you carry Umbrella Insurance?

A million dollar umbrella does wonders. I don't know if there is a better use for $150-$300 on an annual basis. Can you be more specific about those wonders for you? Like the OP, I'm on the fence about getting it, and I can't decide whether it's something I really should have or if it's more like e...
by fposte
Mon Jun 10, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9104

Re: Do you carry Umbrella Insurance?

A million dollar umbrella does wonders. I don't know if there is a better use for $150-$300 on an annual basis. Can you be more specific about those wonders for you? Like the OP, I'm on the fence about getting it, and I can't decide whether it's something I really should have or if it's more like e...
by fposte
Thu May 30, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Tracking down a wasp nest
Replies: 20
Views: 1825

Re: Tracking down a wasp nest

Are you sure they're not within the wall structure itself? They'll do that sometimes.
by fposte
Thu May 30, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1647

Re: How does TIAA-CREF work?

I have TIAA traditional and have chosen an option I don't often see discussed -- taking an RMD. ...If/when our expenses increase significantly, because of e.g. medical issues or moving to a CCRC (we have no children or other close relatives), then we will consider annuitizing some of our TIAA tradi...
by fposte
Wed May 22, 2019 8:09 am
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 8696

Re: $400,000 gift to stepdaughter

I find it interesting the comments that for someone that didn't go to college and has little chance of financial security that $15k a year is not going to make much of difference. That is more than 1/4 of what the average US family makes a year. A 25% boost to the average family, which it seems she...
by fposte
Tue May 21, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 4907

Re: Recently promoted - how to match image with title?

Tailoring makes a huge difference, but don't limit yourself to stores that offer in-house tailoring (a lot of times they'll just send out anyway). Check whatever the usual suspects are in your neck of the woods for recommendations and start developing a relationship with an independent tailor. In so...
by fposte
Fri May 17, 2019 11:34 pm
Forum: Personal Consumer Issues
Topic: Gardening/Wedding/Planning
Replies: 5
Views: 536

Re: Gardening/Wedding/Planning

I would either go for containers or for annuals planted close to the event and assume they won’t last, especially in the shade.
by fposte
Tue May 14, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3167

Re: Police and Troopers fund.

Any phone call of this sort, my response is always: 'Please take me off your call list, I am on the national do not call list, you are violating federal law.click.' Charities are not required to abide by the Do Not Call database. It's just for businesses. Yes, but no. Charities can call. Telemarket...
by fposte
Tue May 14, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3167

Re: Police and Troopers fund.

deikel wrote:
Tue May 14, 2019 2:39 pm
Any phone call of this sort, my response is always: 'Please take me off your call list, I am on the national do not call list, you are violating federal law.click.'
Charities are not required to abide by the Do Not Call database. It's just for businesses.
by fposte
Tue May 14, 2019 6:26 pm
Forum: Personal Investments
Topic: Calculating Maximum 403b contribution
Replies: 2
Views: 303

Re: Calculating Maximum 403b contribution

You need to check with your employer first; some have limits like 80% of paycheck that you'd need to factor in.
by fposte
Tue May 14, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 2043

Re: Chrome or Brushed Nickel

I'm a mid-mod person so I like chrome. Brushed nickel is warmer in tone, though, and as noted it shows drops and prints less.
by fposte
Mon May 13, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2355

Re: PSA: Do you have working carbon monoxide detectors?

One on the first floor, one on the second. They’re labeled with month and date of installation so I know when they’re past it.

I do wish that there were better recycling options for superannuated CO and smoke alarms, though.
by fposte
Sun May 12, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2089

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

If it's a small animal of the rodent variety, dropping a rope down the chimney will be enough for them to crawl out. Bats and nesting birds will probably move on after they're finished. I don't recommend making a lane in your house to direct a squirrel to the door. They'll be in your curtains or cl...
by fposte
Sun May 12, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2089

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

If it’s a squirrel, it’s not going to be able to climb up of its own accord. I had one fall into my chimney and successfully followed the internet advice to make a lane for it between the fireplace and the door by blocking off other directions, then opened the damper. It didn’t come right out but wa...
by fposte
Sun May 12, 2019 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Possible to receive Massachusetts Retirement System Pension AND Social security
Replies: 5
Views: 812

Re: Possible to receive Massachusetts Retirement System Pension AND Social security

As a Massachusetts teacher she hasn’t been paying in to Social Security (she’s been paying into the pension instead); if she hasn’t been paying in for at least 40 quarters she’s not eligible for Social Security based on her own earnings. If she contributed sufficiently through other jobs she may be ...
by fposte
Thu May 09, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 124
Views: 17470

Re: Single People and Retirement Question

im also an academic but only in my late 20s (soon 30). But I don't like travelling. Am I doomed being single? Doomed to what? A full life you enjoy where you are? Whether you're partnered or single, you want to find satisfaction and reward in what you do when you're retired. Travel is interesting, ...
by fposte
Tue May 07, 2019 4:22 pm
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13561

Re: I tried to fire my financial advisor of 12 years today...

OP, my financial advisor wasn't awful, and they kept me from doing stupid stuff with my money. I'm glad for that, but I'm even gladder that I moved away from them. As in your case, the assets I moved were all in taxable. What I did was sell anything with unrealized losses, and then sell up to the sa...
by fposte
Tue May 07, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Lost Mail
Replies: 29
Views: 1675

Re: Lost Mail

Doubt your checks are being whitewashed - but you should go ahead and report it so they can gather the data... The link to report is https://www.uspis.gov/report/ That's for fraud, though; the OP is just missing mail. Missing mail gets reported as described on this page . I'm not sure if you need a...
by fposte
Mon May 06, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4112

Re: ants - aargh

You can buy Terro in baited packets where you cut open only one end, which is slightly less messy and less open to cats.

It can also be good to put one of those outside the house near the area where they’re coming in—ideally you want them nit to come in the house in the first place,
by fposte
Tue Apr 30, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 8632

Re: Retirees: I'm not going to run out

It's impossible to "run out of money" thanks to Social Security. There *are* people who are not in the Social Security system. California public school teachers, as an example, don't pay into Social Security and are not covered by it. One could imagine that the California state pensions getting int...
by fposte
Sat Apr 27, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to define wealth
Replies: 51
Views: 4789

Re: How to define wealth

I don't find wealth that useful a thing to define; it's too vague. I'd like to have enough to live as I wish, and for me it's also important to keep in mind that a lot of people don't have the resources that I do. Where in there you call it "wealth" doesn't really matter to me.
by fposte
Sat Apr 27, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4981

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

People who hate/dread learning about a subject aren't likely to independently devote themselves to reading a book on the subject on their own. That's especially true of a subject where there's a lot of noise as well as a lot of signal and the odds of them choosing a useful book are less than even. I...
by fposte
Sat Apr 27, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 87
Views: 4637

Re: Why I don't think I should get long term care insurance right now

It is not only the elderly who require long term care. Illness and injury result in about 20 % of LTC Residents being younger than 50. That number is a fair bit higher than the CDC report here indicates--it says 84.9% of nursing home residents are over 65. And of course those 15.1% "below 65" numbe...
by fposte
Thu Apr 25, 2019 9:41 am
Forum: Personal Investments
Topic: Pensions and early retirement issues
Replies: 19
Views: 2210

Re: Pensions and early retirement issues

Does the pension link to anything else? Mine, for instance, comes with health insurance; I have to draw the pension to be eligible. That could make a huge difference in the advisable timing.
by fposte
Wed Apr 24, 2019 3:09 pm
Forum: Personal Investments
Topic: waiting for over 1 year to buy Norfolk Southern!
Replies: 30
Views: 2515

Re: waiting for over 1 year to buy Norfolk Southern!

This seems like fantasy football with stocks--which ones would you have, which ones do you wish you'd had earlier. Which there's no harm in--just keep it separate from your real money.
by fposte
Tue Apr 23, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Bilingual legal help for the elderly?????
Replies: 9
Views: 379

Re: Bilingual legal help for the elderly?????

Hello dear friends: Many thanks for your helpful replies........all of you have no idea the magnitude of your help in consumers affairs. Today,I'd like to inquire about: Finding a bilingual lawyer to draw a last testament with proceeds to be distributed here in the USA and overseas.I have tried an ...
by fposte
Tue Apr 23, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2498

Re: Best pillow under $50?

spitty wrote:
Mon Apr 22, 2019 3:37 pm
Nobody's mentioned the My Pillow from all those TV commercials--anybody tried one? I admire Mike for overcoming 30+ years of addiction to become an upstanding businessman!
Upstanding save for the $1m he was ordered to pay for running bogus ads.
by fposte
Mon Apr 22, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1569

Re: Controlling Ivy on walls

Since there seems to be some difference in opinion on different types of Ivy, here’s a picture of the Ivy that’s on my garage, coming from one neighbor’s property (assuming I posted the image correctly, first time trying that): This is in Washington DC if that matters. https://i.postimg.cc/K1qfgswH...
by fposte
Mon Apr 22, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11700

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

Interesting question. I would actually be okay on the slightly reduced pension I'd get if I retire now (and have some projections in case health problems mean I need to retire earlier), but waiting until full pension gives me time to arrange for transitions and a useful external marker. If I didn't ...
by fposte
Sun Apr 21, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 44
Views: 5185

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?

If it's a hard water stain, I'd just pour a bottle of vinegar in and let it sit for overnight or the equivalent, then wipe it up. Same process with showerheads and kettles.. The color leads me to think that there may be iron involved, though.
by fposte
Sat Apr 20, 2019 11:17 am
Forum: Personal Investments
Topic: How to get funds out of Actively Managed?
Replies: 14
Views: 1321

Re: How to get funds out of Actively Managed?

Do you still work with this financial advisor or pay him money? If not, you can just change these on your own at Fidelity. Fidelity has perfectly fine low-cost index funds for you to change to. Note that this won't be a taxable event in the IRAs, but any gains on the taxable assets are subject to ta...
by fposte
Wed Apr 17, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 2001

Re: Am I getting the runaround from my dentist?

Around here it's standard for the patient to wait for reimbursement; even the endodontist I go to, who used to do it the way you describe, has joined the "full payment from patient at time of service" crowd. I suspect that this is not unrelated to the high number of state employees in town, whose r...
by fposte
Wed Apr 17, 2019 11:21 am
Forum: Personal Investments
Topic: Financial Advisor Issues
Replies: 18
Views: 1446

Re: Financial Advisor Issues

With the current advisors, I started at 83k. I spent a little around 20k on tuition. Honestly, I'd stop looking in the rear-view mirror on this--these are expensive advisors who don't earn their keep and you're moving elsewhere. If you feel you need an advisor for reassurance, go with Vanguard PAS ...
by fposte
Wed Apr 17, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 2001

Re: Am I getting the runaround from my dentist?

Amazing how different dentists work. The process at my dentist is: For a cleaning I pay nothing until claim s processed. For dental work, the dental office estimates insurance payment. I pay the part not covered immediately. I get a statement/bill/refund when claim is processed. Maybe a different d...
by fposte
Wed Apr 17, 2019 9:30 am
Forum: Personal Investments
Topic: Ditching Edward Jones...but need some advice & guidance
Replies: 9
Views: 1421

Re: Ditching Edward Jones...but need some advice & guidance

You mention that the taxable account is @$77k; do you know what the unrealized gains actually are, individually and totally? Do you know what your income bracket is likely to be this year and is there a chance you'd have some space in 0% capital gains? Do any of the assets have unrealized losses rat...
by fposte
Tue Apr 16, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Executor of Will - Selling House in Poor Condition
Replies: 84
Views: 6557

Re: Executor of Will - Selling House in Poor Condition

OP, is the land the main value here? In some areas a house like that would be razed and something new built on the property. Yet another reason to get local realtor opinions before deciding what to do.
by fposte
Sat Apr 13, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4329

Re: How to avoid throwing money at problems?

I like the saying that "Sometimes the easiest way to pay is with money." The key is knowing when "sometimes" is. I too vote for unloading the 20 acres, through sale, ag lease, whatever is practicable in your area. You don't currently have resources to be a farmer, rancher, or forester. That would ha...