Bogleheads.org

yatesd

My electric bill is going down $11 a month
https://www.bge.com/News/Pages/Press%20 ... Month.aspx

yatesd

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.

yatesd

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...

yatesd

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.

yatesd

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 ...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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 ...

yatesd

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...

yatesd

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...

yatesd

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 ...

yatesd

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...

yatesd

Now you just need to get rid of your biggest fee...union dues!

yatesd

Rush Limbaugh
Wall Street Journal
Fox News
NPR

yatesd

We just finished a Silversea cruise in the Mediterranean for our 25th anniversary. Really enjoy the smaller ships and access to the unique ports.

yatesd

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...

yatesd

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...

yatesd

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

You will be below the 125% threshold shortly.

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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 ...

yatesd

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.

yatesd

I agree with others...if you are concerned about value and ethics, then please use the whole egg.

yatesd

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 ...

yatesd

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 ...

yatesd

duplicate post

yatesd

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...

yatesd

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...

yatesd

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...

yatesd

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).

yatesd

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...

yatesd

OK, I've always had mixed feelings about Jos A Banks...however, the main reason I buy from them is to avoid paying for a designer name and to ensure the same quality every time. For instance: - Jos A Bank Traveler shirts (100% cotton, wrinkle resistant, 3 different fits, longer shirts that don't get...

yatesd

The Wall Street Journal just published this article today. I'm not asking whether you agree or disagree on this political/scientific topic. Reading this article gave me some pause about how "Vanguard" can use "my money" to leverage votes on issues and topics that I may not support. This concept neve...

yatesd

I'll also vouch for ebates...have earned over $500 so far. Personally, I don't install the software (prefer the added privacy). I just login to http://www.ebates.com prior to making any online purchase and click through to place an order. I also like that they will often provide additional coupon co...

yatesd

I've never used a rice cooker and am just wondering what is the difference versus making rice in a pot on the stovetop? I take one cup of rice and two cups of water, bring to boil, cover and cook for 20 minutes. Don't stir or open the lid. It's easy and comes out perfectly and everyone loves it. Is...

yatesd

I agree. I can't believe sometimes how cheap and stingy Bogleheads are. You're spending thousands of dollars on a trip and can't be bothered to tip a tiny fraction of your vacation cost to people working their butts off to make it a more pleasant experience? In the US, I tip 15-20% most of the time...

yatesd

Not a lawyer. Yet another reason to not get married. I also read that getting married invalidates a will unless the will was made with the marriage in mind. These really seem like terrible laws . Yes, really terrible, imagine entering into a legal contract agreeing to combine and become one, only t...

yatesd

I agree. I can't believe sometimes how cheap and stingy Bogleheads are. You're spending thousands of dollars on a trip and can't be bothered to tip a tiny fraction of your vacation cost to people working their butts off to make it a more pleasant experience? In the US, I tip 15-20% most of the time...

yatesd

Congratulations on your first house purchase! I think it is hard to compare prices without itemizing out each fee. Ideally, this would also be from the same State, in the same year, for about the same price. The application fee seems high, but not sure if they shifted the fees from the rate. Also, o...

yatesd

I recommend Leatherman. Well made, by a US company. http://www.leatherman.com/leatherman-difference.html I own two versions. - An expensive large multi-tool that I rarely use, but keep in the car for emergencies. - A leatherman micra, that can be easily carried with you everywhere (except an airport...

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