Search found 508 matches

by yatesd
Fri Jul 20, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement
Replies: 75
Views: 5730

Re: New Vanguard Security Code Requirement

Just got a notification that Vanguard is implementing mandatory 2 factor authentication procedures. Not too bad with VG. Just tell it to only do the 2FA for computers it doesn't recognize. I set it up months ago and once the initial 2FA was accomplished VG hasn't asked for it again. (and I look at ...
by yatesd
Mon Jul 09, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3301

Re: What do you pay for home services?

I rent, clean my apartment myself, and don't have any landscaping. I wonder why these $500 monthly non-deductible costs are never mentioned in Bogleheads comparisons of renting with buying. Victoria Because they are a want not a need. Until you're older. Then try dragging a self-propelled(sic) mowe...
by yatesd
Sun Jul 08, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2540

Re: Having first child - Life Insurance question

Yes, I used Select Quote and could sort by rates and financial ratings. Keep in mind a recognizable name may not be healthier than another company. In my case, I ended up with Prudential for my life insurance.
by yatesd
Sat Jul 07, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2540

Re: Having first child - Life Insurance question

I chose to purchase 15-year term through select quote for me only since we are a single income household. In my case, it was $500K for about $270 a year (13 years ago). My plan is working almost perfectly...and should essentially be self insured by the time she is 15 with an increasing 401K balance ...
by yatesd
Thu Jul 05, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 2923

Re: Coffee Grinder recommendations

I recommend getting a better grinder from an online specialist. Chris Coffee on the East coast. www.chriscoffee.com Seattle Coffee Gear on the West coast. www.seattlecoffegear.com Decent place for reviews and research: http://coffeegeek.com/reviews https://www.home-barista.com/ Espresso is much less...
by yatesd
Wed Jul 04, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 7800

Re: Tipping at non sit down places

dm200 » Wed Jul 04, 2018 6:41 pm J295 wrote: ↑Wed Jul 04, 2018 6:38 pm Always tip Why? Never really gave it much thought until now .... I guess it's principally because we are fortunate to have sufficient resources and I enjoy giving it to the people (usually young people who no doubt can use the m...
by yatesd
Sat Jun 30, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2349

Re: replace old central AC unit?

If it is 15+ years old and not cooling well, I would recommend replacing with a 2-stage variable speed unit with potentially multiple zones.
by yatesd
Sun Jun 03, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 7524

Re: What is your Take Home Pay / Gross Pay ratio?

I'm not sure the results will be meaningful. Too many variables. Short term/long term disability, benefits, HSA, 401K, life insurance, people saving for a flex account etc.
by yatesd
Sun May 27, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 21
Views: 1251

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

I would lean towards not getting a warranty since if something happened really bad, Ford would probably offer some sort of good will. That being said, I wouldn't think of getting anything other than a factory warranty.
by yatesd
Thu May 17, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 9406

Re: Solar panels

My electric bill is going down $11 a month
https://www.bge.com/News/Pages/Press%20 ... Month.aspx
by yatesd
Thu May 17, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: Departed employee & final pay check
Replies: 9
Views: 1228

Re: Departed employee & final pay check

Read the fine print...but they probably were not obligated to pay out the last bonus. Most corporate incentives have disclaimers to avoid payment if terminated before the ending period.
by yatesd
Sat Mar 10, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2093

Re: Chain Saw pruner or Pole Saw?

My issue with a chain saw pruner is that it is fairly specialized for a homeowner. That said, I tend to buy too many things myself. Personally enjoy my batter powered Makita chainsaw for small items, Husqvarna Chain Saw for big stuff, and also have a pole saw. Some ideas: - Echo tends to have produc...
by yatesd
Thu Mar 08, 2018 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401K refunded due to failure of the IRS 125 tests
Replies: 35
Views: 3613

Re: 401K refunded due to failure of the IRS 125 tests

BTW, I am setting up a "Go Fund Me" account.

I appreciate the generosity from everyone who suggested increasing match levels as a way to avoid this rule. You will all feel better being part of our 401K improvement plan. :wink:
by yatesd
Thu Mar 08, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401K refunded due to failure of the IRS 125 tests
Replies: 35
Views: 3613

Re: 401K refunded due to failure of the IRS 125 tests

These rules have made it a real challenge at my company. We have less than 60 employees. I convinced them to switch from a high fee plan (that cost the company almost nothing, but passed the fees on to employees), to Vanguard that costs us about $4,000 a year with low fees. However, we can't afford ...
by yatesd
Sat Feb 03, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Car Lease -- High Residual Value -- what am I missing?
Replies: 49
Views: 5225

Re: Car Lease -- High Residual Value -- what am I missing?

It sounds like you have thought through most of the variables and have plans to address these risks. The idea sounds kind of fun...I say go for it! As others have said, many times the manufacturer will subsidize the residual values to reduce lease payments without directly hurting resale/brand reput...
by yatesd
Sun Jan 14, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 1616

Re: "EBATES" - For real, or scam ?

Definitely legit, I've received $529 in rebates since I first signed up. They make money through referral links and pass a % on to us. - Default setup is to install an app, probably easiest, but lose some privacy - I don't install any plugins, but instead login only when I intend to use. Sometimes I...
by yatesd
Sun Jan 14, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 12488

Re: Dave Ramsey's Millionaire Study

Not quite sure how bashing any finance guru is considered an acceptable "topic" discussion on Bogleheads. :oops: Sharing the survey info, talking about the results, or its validity seems appropriate. Personally, I'd be curious to see the results even if it is self selecting (just like the one on Bog...
by yatesd
Thu Nov 23, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 10885

Re: Why does everyone keep increasing their international stock %?

I'm mixed on the issue. The pragmatic part of me considers the higher expenses and inefficiencies that are built into the cost of international investing. I also understand the argument that the US represents a portion of the world equity markets that are close to 50% so perfect diversification woul...
by yatesd
Thu Nov 23, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1874

Re: Which model treadmill to buy

Not sure how you established your budget, but if you will actually use it, you may want to spend more. Maybe consider visiting a local specialty store and buy a floor model or a closeout version of last year's model. http://shop.truefitness.com/treadmills Example of specialty store's in my area: htt...
by yatesd
Thu Nov 23, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 5489

Re: best cordless drill??

I've been reasonably pleased with Dewalt and Makita. Bosch and Milwaukee would also be on my short list. - None of the better brands will have "cheap" products, but they still range from mid/upper homeowner grade to true commercial. As a homeowner, you probably don't need the best, but there are rea...
by yatesd
Tue Nov 21, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 39
Views: 3973

Re: New car buyers...you should consider financing

On my last two purchases, I did two things ahead of time. Got a guaranteed trade-in value from CarMax and looked online to see the lowest interest rate available to me through my own financing options (non-subsidized). I negotiated price & trade-in and agreed to use their financing as long as they c...
by yatesd
Wed Nov 15, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 6123

Re: Fair way to split expenses?

In our case (as I stated above) one of us eventually dropped down to $0 income (wanted to raise our own kids) FYI, stating that an individual who quits paid work is doing so to 'raise our own kids' is insulting to the many people who do not quit work and who also manage, mostly quite successfully i...
by yatesd
Mon Nov 06, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 6247

Re: Out of network care

It might be unfair for your HMO, but I think my experience with multiple HMOs is just as valid as yours. My experience is with multiple HMO's spans almost two decades. Your post was a generalization. The negative extrapolation to all HMO's implied in your post is invalid. Huh? You posted opinion, I...
by yatesd
Sun Nov 05, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 86
Views: 6247

Re: Out of network care

You are correct, but almost nobody understands the plan they signed up for. You are probably the rare exception. http://www.pbs.org/wgbh/pages/frontline/shows/doctor/care/capitation.html http://www.investopedia.com/terms/c/capitated-contract.asp I agree with the above that your former characterizat...
by yatesd
Sun Oct 22, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bond advise please
Replies: 10
Views: 874

Re: Bond advise please

etguy, You are not really giving us enough information to provide advice. If you want 25% in bonds, then the Total Bond fund makes the most sense. Wellington is a blended fund that will do the "blending" for you. Assuming you are saving for retirement, maybe look at the Target date fund that corresp...
by yatesd
Sat Oct 21, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 14511

Re: new 401(k) limits announced

I always pick a percentage that will leave me pretty far ahead. My goal is for the maximum to automatically be achieved in the Fall (payroll stops at limit), with the remaining higher paychecks helping pay for Christmas gifts. :D Personally, I enjoy the end of year "boost". Just be aware that some ...
by yatesd
Sat Oct 21, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 8562

Re: How does/can Walmart offer such inexpensive prescriptions?

Interesting thread. I am a family physician and have gone through the process of pricing generic drugs for patients. When you buy them in bulk, as Walmart most certainly does, the cost is really pennies compared to what retail pharmacies charge. What looks like an awesome deal is simply a gimmick a...
by yatesd
Sat Oct 21, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 8562

Re: How does/can Walmart offer such inexpensive prescriptions?

My guess is that Walmart makes money on prescriptions the same way they make money on everything else: huge volume (supplier discounts and leverage), low costs, efficient supply chain, and lower margins than many would tolerate. I agree...don't buy the wage issue, or made in China concern. No one h...
by yatesd
Sat Oct 21, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 14511

Re: new 401(k) limits announced

Why couldn't they just make it $18,600 instead? That would be nice and divisible by 24 (or 12) for payroll contribution. At the current limit, it's an easy $750 bi-monthly ($1500 monthly) to max out. For 2018, it will be $770.83333 bi-monthly ($1541.66667 monthly). Hitting the exact limit just got ...
by yatesd
Thu Oct 19, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 3316

Re: Pant Recommendations (Business Casual)

I've been reasonably happy with adjustable waistband options. I have a few pants from Sams Club that are more traditional and also some golf pants from JosAbanks. Both work fine with or without a sport coat. Leadbetter golf pants http://www.josbank.com/leadbetter-pants Perry Ellis https://www.samscl...
by yatesd
Thu Oct 19, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 3412

Re: Finally a win for teachers!!

Now you just need to get rid of your biggest fee...union dues!
by yatesd
Thu Sep 28, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 10719

Re: Where do you get your news?

Rush Limbaugh
Wall Street Journal
Fox News
NPR
by yatesd
Tue Sep 26, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: High end cruising suggestions.
Replies: 26
Views: 3374

Re: High end cruising suggestions.

We just finished a Silversea cruise in the Mediterranean for our 25th anniversary. Really enjoy the smaller ships and access to the unique ports.
by yatesd
Thu Sep 21, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2843

Re: The money trail...import vehicle vs domestic.

My mom is the same way and will only buy "American" cars. She presently owns a Ford Fusion that was built in Mexico. I saw a list recently with US content for every car model sold in the US. The highest % surprised me. It was one of the Toyota models (I don't remember which). I had thought my Toled...
by yatesd
Thu Sep 21, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: The money trail...import vehicle vs domestic.
Replies: 32
Views: 2843

Re: The money trail...import vehicle vs domestic.

I think it is important for everyone to have a good understanding of where they spend their money and the potential implications so personal decisions can be made. I've worked for 3 different Japanese companies and 1 Dutch company in a different industry so I have a reasonable understanding of the c...
by yatesd
Sun Sep 10, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm won't insure my rooftop solar
Replies: 10
Views: 2468

Re: State Farm won't insure my rooftop solar

This is easy to solve...buy an electric car, hot tub, pool, and leave all the lights on. :D

You will be below the 125% threshold shortly.
by yatesd
Wed Aug 02, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 8802

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Don't fool yourself...you never get something for nothing. Just decide how much this stuff matters to you. Engines: Brand & Series B&S different levels of quality- https://www.briggsandstratton.com/na/en_us/products/engines/push-mower-engines.html Honda- also has different grades- http://engines.ho...
by yatesd
Wed Aug 02, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 8802

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

I would strongly suggest a Toro unit with a Kohler engine. They are, on average, the highest rated mowers just below Honda at much lower cost. They are far superior to B&S. Kohler is the market leader in commercial engines for turf. Kawasaki is also rated well. Toro & John Deere use them on some of...
by yatesd
Wed Aug 02, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 8802

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Don't fool yourself...you never get something for nothing. Just decide how much this stuff matters to you. Engines: Brand & Series B&S different levels of quality- https://www.briggsandstratton.com/na/en_us/products/engines/push-mower-engines.html Honda- also has different grades- http://engines.hon...
by yatesd
Wed Jul 26, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 5008

Re: Is a kamado grill/smoker worth it?

I moved about 3 years ago. Up until then, I used a stainless steel weber natural gas grill hooked into the gas line on my deck. Very easy, but not a good option for smoking. Fast forward: I moved to a new home without natural gas. I didn't want to deal with propane tanks ever again, so I decided to ...
by yatesd
Mon Jul 17, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 47
Views: 4222

Re: How Much Would You Spend on a Blender?

I was tempted by Vitamix and Blendtec. Ultimately chose the Blendtec due to the low profile design that allows it to easily fit under my cabinet. While the Blendtec is well rated, it may not fit into a home environment. The default configuration is very tall.
by yatesd
Thu Jul 13, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 8666

Re: Cheap eggs... how bad?

I agree with others...if you are concerned about value and ethics, then please use the whole egg.
by yatesd
Sat Jul 01, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2997

Re: Bogleheads - how about an outdoor chair recommendation!

This is the chair my wife and I use. Originally bought it for BMW motorcycle camping. Kermit Chair- Handmade in Tennessee out of oak http://www.kermitchair.com/ http://www.sitemason.com/files/qvYERG/GREEN.jpg/main.jpg Shorter style, but very comfortable. Had ours for over 15 years and they are used ...
by yatesd
Wed Jun 21, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 10171

Re: is luxury car a smarter purchase?

Today, buying any car other than a self-driving car(Tesla?) is not a smart purchase. There is a revolution coming in the automobile world. Few more years, and all current car ownerships and insurance models will be history. We are living in the last years of manual driving. So, just wait for fully ...
by yatesd
Wed Jun 21, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 10171

Re: is luxury car a smarter purchase?

duplicate post
by yatesd
Wed Jun 21, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 6702

Re: Help with Guns in Estate [how to sell]

If you don't care about the price or what happens to the guns, see if there are any gun buyback programs going on in your area, where you walk in with the gun(s), hand it over to the police (or the government agency running the program), and walk out with cash money. Not a fan of these programs. No...
by yatesd
Wed Jun 07, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 13678

Re: Dave Ramsey Financial Peace University ??? worth it?

Worst case: instructor is a financial advisor looking to pick up clients... Not that is a scary thought. Any evidence that happens? Yes, I recently moved to another State and switched churches. The church I currently attend has a certified financial planner teaching the course. He seems like a nice...
by yatesd
Wed Jun 07, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 13678

Re: Dave Ramsey Financial Peace University ??? worth it?

I think it is worth it; another option I have seen done is from Crown Financial Ministries. Although Dave's books are decent, I think classes are better for couples to help them get in sync. These classes are generally reasonably priced since the class is held in a church at no cost, and often taugh...
by yatesd
Sun Jun 04, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Life Insurance Decision
Replies: 5
Views: 916

Re: Help with Life Insurance Decision

I personally used Accuquote with no agent involved and everything went smoothly. I think 20 year term sounds right...although the insured amount may be a little high (I am a minimalist). I simply selected the lowest priced, highest rated policy (for me, 12 years ago, it was Prudential).
by yatesd
Thu May 25, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 2649

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

This is an edit. I responded to the OP but after seeing more I realize my original response was due to misunderstanding. I am for robust oversight of corporations to protect shareholder interests regarding their investments. It seems reasonable that if Exxon has assessed risk to specific pending re...