Search found 434 matches

by KlingKlang
Mon Oct 16, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Trash dumped on curb (need advice)
Replies: 35
Views: 2877

Re: Trash dumped on curb (need advice)

Since no one has mentioned this yet I find that a respectful and non-emotional email to your city councilman usually produces either results or at least a useful list of city departments to contact.
by KlingKlang
Sun Oct 15, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5353

Re: What are you driving? And would you buy your current ride again?

2004 Chevy Malibu, 110000 miles. Comfortable seating for four adults, good trunk capacity, adequate acceleration, easy to park. All of the problems have been electrical in nature (cruise control, A/C, high beams) and thus fairly easy to ignore.
by KlingKlang
Sat Oct 14, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Silly accounting question [How do I record these transactions?]
Replies: 7
Views: 729

Re: Silly accounting question

If you really want to get anal about it you should treat your car as a capital asset and depreciate it every month. Be sure to subtract the residual value of the old tires from the asset. The $400 tires would be an addition to the asset but the labor to mount them would be an automobile expense. Sal...
by KlingKlang
Tue Oct 10, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2552

Re: Cheapest thing you ever heard of to save money

My father would park his car on the street and honk the horn for me to run out and push it up the driveway by hand in order to save gas. The neighbors would come out to watch. I think he did that to make fun of you. "Look what my kid will do for me!" Honestly it was all about the money. If I wasn't...
by KlingKlang
Tue Oct 10, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2552

Cheapest thing you ever heard of to save money

Given the success of the [Boglehead vs Mr Money Mustache philosophies] thread, I would like to start a [Cheapest thing you ever heard of to save money] thread. My father would park his car on the street and honk the horn for me to run out and push it up the driveway by hand in order to save gas. The...
by KlingKlang
Sun Oct 08, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7404

Re: Do you want your receipt?

There is no such thing as a "small purchase". I get a receipt for everything paid for by cash or credit card. Then I write the details in a notebook and enter the amounts into my 32 year old double entry accounting software. This works well at discouraging me from making impulse purchases as it take...
by KlingKlang
Sat Oct 07, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7151

Re: Lowes vs Home Depot

I used both until Lowes cheated my on a dishwasher & install.... Starting with incompetence & lies about the real costs and ending with no interest from higher ups to address issues. I cannot recommend enough to buy stuff elsewhere! Anywhere else. Great. I purchased a Bosch dishwasher from Lowes on...
by KlingKlang
Fri Oct 06, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I put my money?
Replies: 15
Views: 1481

Re: Where should I put my money?

Ruralavalon hit the nail on the head. Follow the steps at the end of his/her post and you are set. :sharebeer It was very good but maybe a bit too complex for someone who is starting out from a 100% MM after tax base. My suggestion would be to: Switch the Roth IRA from Total Stock Market to Target ...
by KlingKlang
Fri Oct 06, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Where should I put my money?
Replies: 15
Views: 1481

Re: Where should I put my money?

You are at a good age to begin purchasing Series I Savings Bonds, but you are limited to $10K/year in purchases from Treasury Direct plus $5000 from your Federal income tax refund. They are liquid after one year, never lose principle, state and local tax free, and you can defer federal taxes for up ...
by KlingKlang
Thu Oct 05, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 2846

Re: That blank stare... ?

Johnsson wrote:
Thu Oct 05, 2017 7:18 am
Does anyone else get that blank stare from their spouse when you say two words about investing?
My wife ignores almost everything I say no matter what the subject is.
by KlingKlang
Thu Oct 05, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3951

Re: Retirees, how and how much do you pay for health insurance?

Self 62, wife 63. ACA silver plan coverage is $759.27/month for the two of us. $500 deductible/year for each, I meet that in January but my wife never meets hers. Everything paid for from after tax savings. We need to go to Healthcare.gov every November 1st to renew or change coverage. Monthly incre...
by KlingKlang
Wed Oct 04, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6209

Re: MoviePass-Too good to be true, but it's legit.

Just wanted to point out that an iPhone or an Android phone is required to use MoviePass which leaves me out.

My wife and I haven't been to a movie since "The Lord of the Rings" ended due to the behavior of the other moviegoers.
by KlingKlang
Wed Oct 04, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3276

Re: Cash in a local bank or credit union

The primary reason that I always maintain accounts at a B&M bank within walking distance of our home is because my wife will not come closer than 20 feet to a computer or ATM, so if I drop dead she will need a physical location with human employees that she can get to for funds. Our checking account...
by KlingKlang
Tue Oct 03, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9128

Re: Senior citizens can lose everything [to professional guardians via court rulings]

Wow. This is really relevant to me personally since my 90 year old mother is currently in a rehabilitation facility after experiencing her seventh fall in the last two years (she likes to mix bourbon and pain pills). She lives alone in her suburban brick ranch and insists that she wants to die there...
by KlingKlang
Sun Oct 01, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: a $2000 pizza
Replies: 19
Views: 1780

Re: a $2000 pizza

Pretty sure ingesting gold is toxic. Actually gold is one of the least toxic chemical elements and should not react with anything in the body. The only danger would be from a piece large or sharp enough to physically block or cut something in the digestive system. My wife took gold for Rheumatoid A...
by KlingKlang
Sun Oct 01, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: a $2000 pizza
Replies: 19
Views: 1780

Re: a $2000 pizza

investing1012 wrote:
Sun Oct 01, 2017 9:20 am
Pretty sure ingesting gold is toxic.
Actually gold is one of the least toxic chemical elements and should not react with anything in the body. The only danger would be from a piece large or sharp enough to physically block or cut something in the digestive system.
by KlingKlang
Wed Sep 27, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3570

Re: Unbelievable AT & T

One other problem to beware of. When I used U-Verse for TV and ISP AT&T linked my Yahoo email account with their AT&T email service. After I cancelled U-Verse AT&T shut down my Yahoo email account. Yahoo refused to restore it because "I had to go through AT&T", AT&T refused me because "I wasn't a cu...
by KlingKlang
Tue Sep 26, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6774

Re: Tipping question....Applebees

I think there is some kind of emotional content to this business of Applebees computing on with-tax that hasn't surfaced in this discussion yet. There is also some emotional content about suggesting tips at all (the OP) that hasn't completely surfaced either. Bingo. The thing that I hate about tipp...
by KlingKlang
Mon Sep 25, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5555

Re: Vanguard charged me $140 in service fees

Just curious why would you ask us (a random internet forum) instead of just calling Vanguard themselves and discussing the issue with them? Good luck. For issues like this it can be useful to get a group consensus of whether this was a mistake by Vanguard or a standard practice that everyone has to...
by KlingKlang
Sat Sep 23, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Paid off my student loans. 29 and looking for retirement/downpayment saving advice
Replies: 4
Views: 431

Re: Paid off my student loans. 29 and looking for retirement/downpayment saving advice

Take a look at your old 401(k), new 401(k), and Roth IRA to determine what the asset allocation for all of your combined assets is and how much it differs from your desired asset allocation. Check out the stable value fund available in your 401(k). The expense ratio isn't too bad, if it yields more ...
by KlingKlang
Wed Sep 20, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12458

Re: Any "average Joe" here actually make out well with individual stocks?

Losers: Cedar Fair LP(FUN) 300 shares Purchased 12/99 - 7/06 Sold 12/09 Loss $2900 Sold when the news turned bad, plus filling out the tax forms for this MLP by hand just got to be too painful. General Motors (GM) 100 shares Purchased 12/99 Sold 10/06 Loss $3900 My "Dogs of the DOW" pick. General El...
by KlingKlang
Tue Sep 19, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 4547

Re: Online Bill Pay Security: Push or Pull?

I'm 100% 'push' from my bank checking account because I don't want anyone 'pulling' money out of it without me authorizing the specific transaction and amount. Three credit cards and one utility bill a month is not too much work using the bank's on line payment system. I'm more concerned about billi...
by KlingKlang
Mon Sep 18, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Sticky family/parental care situation...long post
Replies: 19
Views: 2032

Re: Sticky family/parental care situation...long post

Money should not be given without complete honesty and transparency or the gravy train gets cut off. My money, my rules. That would be my suggestion. "My money, my rules" only works when you are in a position to walk away from a situation and never look back. In this case the response could easily ...
by KlingKlang
Sun Sep 17, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3574

Re: Should I contact a lawyer?

The public school at which my wife teaches claims that all materials produced by the teacher for use in class are the intellectual property of the school district, regardless of whose resources were used to produce the materials. Not sure if they could actually win a case in court if this was dispu...
by KlingKlang
Wed Sep 13, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Inactive Vanguard Accounts
Replies: 5
Views: 431

Re: Inactive Vanguard Accounts

I went ahead and voted her proxy online. Tomorrow I'll get in touch with my Flagship rep and see what he says.
by KlingKlang
Wed Sep 13, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Inactive Vanguard Accounts
Replies: 5
Views: 431

Re: Inactive Vanguard Accounts

Are the inactive accounts actually empty? If there is anything there, would you not want to manage it somehow? I would be surprised a zero value account had a vote. Actually they have about $400K in them. She doesn't understand anything about them except for the name Vanguard. I'm the co-owner so I...
by KlingKlang
Wed Sep 13, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Inactive Vanguard Accounts
Replies: 5
Views: 431

Inactive Vanguard Accounts

My mother has a couple of after-tax Vanguard accounts on which there has been no activity since 2009 (the year my father died). Last week she received a phone call supposedly from Vanguard asking if she was going to vote her proxies. She hung up on them. I just completed a proxy vote for an individu...
by KlingKlang
Wed Sep 13, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10647

Re: The 10 year car ownership "rule"

One thing that I have found is that by replacing my car before I have to, I can wait and replace it when I can find a great deal on my next car. The last car I replaced was only nine years old but I went on and replaced it when I found a great deal on a model year end close out. I could have waited...
by KlingKlang
Wed Sep 13, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 31
Views: 3565

Re: Experience with High Yielding Money Market Accounts

PurePoint savings account is currently yielding 1.30%, $10,000 minimum, no other hoops to jump through.
by KlingKlang
Wed Sep 13, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4229

Re: How often do you put money in Vanguard

When I was in the accumulation phase of my life I would mail in one check a month to my taxable MM account, then transfer part of that to my wife's taxable MM account, then transfer from those accounts to our respective tIRA and Roth IRA MM accounts. After that exchanged from MM accounts into our va...
by KlingKlang
Tue Sep 12, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 vs Capital One Money Market
Replies: 6
Views: 897

Re: Capital One 360 vs Capital One Money Market

I've done it. No problems. Not sure if they will let you keep an account active with a zero balance.

Then I switched everything over to PurePoint for the 1.30% APY. Also no problems.
by KlingKlang
Tue Sep 12, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18210

Re: Is it really Worth it to brown bag your lunch at work?

It really depends on the company culture. I have worked at a couple of places where the boss and his 'A-Team' left for their three hour lunch at 11 every day and dropped their work off on my desk because I could do it while I was brown bagging it.
by KlingKlang
Mon Sep 11, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: PurePoint Savings 1.30% Reviews
Replies: 2
Views: 335

Re: PurePoint Savings 1.30% Reviews

Switched over in May, no complaints. ACH transfers go through in the standard two days. I like that they post interest promptly even if it's a weekend instead of making you wait a couple of days extra like most do. I don't use mint.com.
by KlingKlang
Mon Sep 11, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4282

Re: What do you do in slow travels?

This is from my experience working outside the country rather than "slow travel". It is invaluable to make friends with a local person or family and go with them to the same attractions, parks, restaurants, stores, and churches that they do rather than the tourist attractions. It gives you a totally...
by KlingKlang
Thu Sep 07, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 8588

Re: For those planning early retirement....

1. What do you plan to do after you retire and how do you plan to pay for it? I often see people in here who leave very frugal lives. I am wondering what sort of post retirement activities fit into these austere personal budgets Edit: also interested in how #1 has played out for those that have ret...
by KlingKlang
Wed Sep 06, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8534

Re: Protecting moms assets from nursing home expenses

leonidas wrote:
Wed Sep 06, 2017 8:59 am
Scheduling a consultation with an Elder Law Atty by end of September. Right now just in an info gathering stage.
Gather a lot of info. The quality of Elder Law Attorneys varies greatly. Beware of the 'plan that's perfect for everyone' sales pitch.
by KlingKlang
Wed Sep 06, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 18346

Vanguard Trustee Elections

While there has been extensive discussion of the proposals in the current Vanguard Proxy voting, nothing seems to have been discussed concerning the trustees that are up for election. As an example, Deanne Mulligan has served as the CEO of the Guardian Life Insurance Company of America. Guardian is ...
by KlingKlang
Tue Sep 05, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: What is the "safe, safe" withdrawal rate?
Replies: 38
Views: 4179

Re: What is the "safe, safe" withdrawal rate?

Can we subsitute I bonds for Tips? Yes, if you start purchasing them exactly 30 years before you retire. The disadvantages of I-Bonds are: - The $10K per person per year purchase limit compared to unlimited purchases of TIPs. - The current 0% fixed rate compared to a (usually) positive rate for TIPs.
by KlingKlang
Thu Aug 31, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is my understanding of Unemployment insurance correct?
Replies: 12
Views: 999

Re: Is my understanding of Unemployment insurance correct?

So your wife's Illinois company was allowing her to work remotely from New York and she resigned anyway? Personally I think that that would eliminate her eligibility. If her old company is willing to cooperate, the magic phrase that the unemployment bureau is looking for from them is "Laid off for ...
by KlingKlang
Thu Aug 31, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Is my understanding of Unemployment insurance correct?
Replies: 12
Views: 999

Re: Is my understanding of Unemployment insurance correct?

For what it's worth here is the link to the Illinois Unemployment Insurance handbook: http://www.ides.illinois.gov/IDES%20Forms%20and%20Publications/CLI105L.pdf Yes, if she was eligible for unemployment benefits it would be through Illinois and not New York. There is a clause about "the need to acco...
by KlingKlang
Sun Aug 27, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7151

Re: Lowes vs Home Depot

Home Depot is a little cheaper but Lowes seems to have a better selection. So I just go to Lowes. I could get the Lowes credit card then the prices would be better or a draw. I don't think home depot has a card like that. Home Depot does have a credit card, but I don't think it entitles you to any ...
by KlingKlang
Wed Aug 23, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7151

Re: Lowes vs Home Depot

Our city has Home Depot, Walmart Supercenter, and Lowes in a line with each other! If you just need a spray can of Rustoleum(*) pick the one with the lowest price (Walmart) or the shortest lines (not Walmart). As others have posted, Home Depot has a more industrial feel (guys like this), while Lowes...
by KlingKlang
Thu Aug 17, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 3065

Re: quick estate question

checking account and cd have one child listed with her as that child payed her monthly bills If that one child is a joint owner of the accounts then legally the funds in them belong to that child alone. Has a small credit card balance of $400.00 owed and a few small medical bills. Telephone attorne...
by KlingKlang
Tue Aug 15, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax on I-Bonds Transfer
Replies: 14
Views: 898

Re: Tax on I-Bonds Transfer

I don't think that you can really transfer I-Bonds, what you are doing is actually cashing them in under your own identity and then giving the proceeds to someone else - perhaps to purchase new I-Bonds.
by KlingKlang
Tue Aug 15, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Too conservative?
Replies: 9
Views: 1452

Re: Too conservative?

I make a good salary right now, we will hopefully be able to enjoy our time overseas and probably won't be building on the nest egg too much while we travel, travel, travel :D :D :D I'm surprised by this part of your post, normally working overseas is a fantastic time to build your nest egg if you ...
by KlingKlang
Tue Aug 15, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Spending help: Best use for $800 per month ?
Replies: 18
Views: 1685

Re: Spending help: Best use for $800 per month ?

In my opinion caring for a toddler, while usually fun, is often times not fun, certainly doesn't qualify as "chilling at home", and it's more than 90 hours/week. A two year old shouldn't even be awake 90 hours/week. Life is often times not fun. I can understand that someone would not desire to be a...
by KlingKlang
Tue Aug 15, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8574

Re: Is $9000 too much for a sectional sofa ?

Is $9000 too much for a sectional sofa ?

Does it have a built in entertainment center, microwave, refrigerator, ice-maker, and toilet?

Our family room has two high end sofas with built in recliners and microfiber fabric that we paid about $3800 for and think was well worth it.
by KlingKlang
Tue Aug 15, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Spending help: Best use for $800 per month ?
Replies: 18
Views: 1685

Re: Spending help: Best use for $800 per month ?

You could always invest the extra $800 so that you will have more options for your daughter later in her life. Taking care of (1) 2 year old and a house should be pretty light duty for a competent adult. As far as socialization, 2 year olds basically just play by themselves in a room in which other ...
by KlingKlang
Fri Aug 11, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2310

Re: Stable Value Funds vs Bond Funds

Who knows where interest rates are going. I split my bond allocation 50/50 between bonds and stable value I agree with this advice 100%. Or split between bonds, TIPs, and stable value. There seems to be quite a lot of variation on the yields and expenses of stable value funds. Some have rates highe...
by KlingKlang
Thu Aug 10, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Why shouldn't I buy a Google Pixel through Verizon?
Replies: 12
Views: 1186

Re: Why shouldn't I buy a Google Pixel through Verizon?

I was told by salesman at Best Buy that all Google Pixel phones sold with Verizon plans are actually unlocked phones that can be used with any carrier. I'm a longtime Verizon customer and this is the first time that I've heard of Verizon doing this. I would double check with Verizon itself. Also ma...