Beer fridge.
Good quality 7 to 8 foot tall US made canvas tent for camping.
Scotch whisky
Search found 2273 matches
- Sat Mar 23, 2024 3:15 pm
- Forum: Personal Consumer Issues
- Topic: What Toys Have You Bought That Have Been Worth it?
- Replies: 254
- Views: 18387
- Thu Mar 07, 2024 7:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: Your Original Medicare OR Advantage Experience: Nightmare or Sublime?
- Replies: 156
- Views: 10621
Re: Your Original Medicare Experience: Nightmare or Sublime?
Healthcare Facility A: We accept all insurances (with no caps on the proportion of patients with any insurance)
Medicare experience in getting appointments will be no different than for other insurances.
Healthcare Facility B :
We accept all insurances
Small print: No more than 10% of all our patients can have "Medicare" as their insurance. ( This is because medicare pays less than Commercial insurance)
Wait times for Medicare patients will usually be longer than those for commercially insured patients, especially in areas where there are a lot of senior citizens
- Wed Jan 24, 2024 9:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Washington Post: "That 'free' annual checkup might cost you"
- Replies: 112
- Views: 11915
Re: Washington Post: "That 'free' annual checkup might cost you"
More complexity is soon coming to medical billing in USA
Code G2211
https://www.cms.gov/files/document/mm13 ... -g2211.pdf
Code G2211
https://www.cms.gov/files/document/mm13 ... -g2211.pdf
- Wed Jan 24, 2024 8:16 pm
- Forum: US Chapters
- Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
- Replies: 429
- Views: 43345
Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Happy Birthday Taylor.
- Sat Jan 06, 2024 11:36 am
- Forum: Personal Finance (Not Investing)
- Topic: Scholarship/FAFSA Experience for Higher Income Families?
- Replies: 60
- Views: 8821
Re: Scholarship/FAFSA Experience for Higher Income Families?
I have sent two kids to college. I have never filled a FAFSA form. Both kids got substantial merit scholarships for undergraduate and medical school. (>300K combined)BuffettsBridgeHomie wrote: ↑Wed Jan 03, 2024 5:58 am Income: Combined $250-300k annually.
Question: is it worth filling out a FAFSA when the time comes? Aside from loans from the government, did any other families at relatively higher incomes get any useful funding or discounts?
Thanks!
As mentioned upstream you need to go to an inferior school than where you can get into to get merit scholarship. In our kids case it was attending Vanderbilt for undergrad and University of Wisconsin, Madison for med school. One child paid the full rate for a Harvard degree.
- Sat Jan 06, 2024 9:36 am
- Forum: Personal Finance (Not Investing)
- Topic: WHAT TO DOOO ? [Minimize taxes from 401k withdrawal]
- Replies: 18
- Views: 2315
- Mon Jan 01, 2024 12:54 pm
- Forum: Personal Consumer Issues
- Topic: What big hairy audacious goals do you have for 2024?
- Replies: 109
- Views: 15925
Re: What big hairy audacious goals do you have for 2024?
Cut back from full time to part time at work.
Lose 7 pounds. (without taking a trip to England )
Lose 7 pounds. (without taking a trip to England )
- Mon Jan 01, 2024 12:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: Harvard RD Financial Aid
- Replies: 19
- Views: 3155
Re: Harvard RD Financial Aid
My daughter has a Harvard degree. I recall the cost at about 80K/yr a few years ago. She was not eligible for any financial aid and Harvard does not give merit scholarships.
She did get a full tuition scholarship at her medical school and some of the money saved for that was used for Harvard.
Apartment rent in that area is also high.
She did get a full tuition scholarship at her medical school and some of the money saved for that was used for Harvard.
Apartment rent in that area is also high.
- Sun Dec 31, 2023 10:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: How much does health insurance cost in the US when not working?
- Replies: 56
- Views: 9085
Re: How much does health insurance cost in the US when not working?
The rate of growth in healthcare spending has been negative (slowing down) for the last many years.alpenglow wrote: ↑Sun Dec 31, 2023 8:12 amI pay $10k towards family health insurance and my employer pays another $30k. At least the plan pays out if needed, but $40k is crazy to me. Projecting out the average rate increases (9%) over the next 10-20 years produces premium costs that seem impossibly high ($100k+ premium). Something has to give.
- Sun Dec 31, 2023 9:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: How much does health insurance cost in the US when not working?
- Replies: 56
- Views: 9085
Re: How much does health insurance cost in the US when not working?
For me and my wife ( mid to late 50's) I am paying 3K/yr. My employer tells me that they are contributing 16.5 K. Total 19.5 K.
If I resign tomorrow I can keep the same plan on COBRA for 102% of that cost. This is a HDHP with a wide network of doctors. A plan which restricts you to only one network is somewhat cheaper.
If I resign tomorrow I can keep the same plan on COBRA for 102% of that cost. This is a HDHP with a wide network of doctors. A plan which restricts you to only one network is somewhat cheaper.
- Sun Dec 31, 2023 9:44 pm
- Forum: Personal Consumer Issues
- Topic: Would you move midlife because a community doesn’t click
- Replies: 63
- Views: 15174
Re: Would you move midlife because a community doesn’t click
For 3 years we lived in a house and a locality that was less than ideal for us.
At that time my wife had a job that required 80 hours/week of work including working weekends, holidays and night shifts. The backyard of the house opened onto her employer's property.
After those 3 years her job transitioned into a more normal 40 to 50 hours/week job. We then moved to a better house in a better locality in the same city.
At that time my wife had a job that required 80 hours/week of work including working weekends, holidays and night shifts. The backyard of the house opened onto her employer's property.
After those 3 years her job transitioned into a more normal 40 to 50 hours/week job. We then moved to a better house in a better locality in the same city.
- Mon Dec 25, 2023 11:21 am
- Forum: Personal Finance (Not Investing)
- Topic: Can I negotiate a 'new patient' bill from doctor?
- Replies: 57
- Views: 8827
Re: Can I negotiate a 'new patient' bill from doctor?
This is a correct statement.cheese_breath wrote: ↑Sun Dec 24, 2023 9:46 pm If memory serves me, I seem to recall Medicare has separate billing codes for new patients and established patients.
Ram MD
- Sun Dec 17, 2023 5:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: SIL considering a PhD in Engineering, worth it?
- Replies: 97
- Views: 14669
Re: SIL considering a PhD in Engineering, worth it?
A nephew is doing an Engineering PhD at a well known University. He pays no tuition and gets an approx $2000/month stipend.
- Sun Dec 17, 2023 5:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: SIL considering a PhD in Engineering, worth it?
- Replies: 97
- Views: 14669
- Sun Dec 17, 2023 4:34 pm
- Forum: Personal Investments
- Topic: DD just graduated with honors - Need banking/investing advice.
- Replies: 33
- Views: 4242
Re: DD just graduated with honors - Need banking/investing advice.
My daughter did some tutoring in college and made somewhere between 5K to 10K over 4 years. I matched the money and helped her put it in a Roth account at Vanguard. It was all invested in S&P 500 ( or total market) index fund. She subsequently went to medical school and residency and by the time she started as an attending physician last year the amount had more than doubled. Coincidentally her employer also uses Vanguard for her retirement accounts and I did tell her about putting the maximum amount in her 401K and putting 80% of it in stock index funds. I also told her about backdoor Roth. She will occasionally call me about her investments. My answer usually starts with "The general consensus on bogleheads for such a situation i...
- Sun Dec 17, 2023 4:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: First time job options for a woman in her early 50s
- Replies: 49
- Views: 11064
Re: First time job options for a woman in her early 50s
Medical transcription is a dying, almost dead job.
There are far more experienced transcriptionists than jobs today and it is very unlikely that anyone will hire an inexperienced transcriptionist.
Ram MD
There are far more experienced transcriptionists than jobs today and it is very unlikely that anyone will hire an inexperienced transcriptionist.
Ram MD
- Fri Dec 01, 2023 8:00 pm
- Forum: Investing - Theory, News & General
- Topic: Firecalc.com - What is acceptable percentage?
- Replies: 77
- Views: 9967
Re: Firecalc.com - What is acceptable percentage?
For the circumstances that you mention I will be perfectly fine with a 50% success rate.
I did not check but anticipate that a 5%+ withdrawal rate (50K/yr) would be possible.
( Note that failure in this case would include having to make do with "only" 49K in some years)
Also note that when one plans on 90% success rate in the vast majority of cases one goes to the grave with a lot of money left in the bank.
I did not check but anticipate that a 5%+ withdrawal rate (50K/yr) would be possible.
( Note that failure in this case would include having to make do with "only" 49K in some years)
Also note that when one plans on 90% success rate in the vast majority of cases one goes to the grave with a lot of money left in the bank.
- Fri Dec 01, 2023 7:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: Umbrella quote seems crazy?
- Replies: 38
- Views: 5839
Re: Umbrella quote seems crazy?
I would consider this as reasonable.
I would anticipate substantial decline in 2- 3 yrs if the new drivers turn out to be safe drivers/accident free.
( I am looking at the ratio of car insurance : umbrella insurance as one of the criteria)
I would anticipate substantial decline in 2- 3 yrs if the new drivers turn out to be safe drivers/accident free.
( I am looking at the ratio of car insurance : umbrella insurance as one of the criteria)
- Mon Nov 20, 2023 9:11 pm
- Forum: Personal Consumer Issues
- Topic: Anyone buy a '23 or '24 Lexus RX350h recently?
- Replies: 34
- Views: 6487
Re: Anyone buy a '23 or '24 Lexus RX350h recently?
- Mon Nov 20, 2023 9:10 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Flagship Tier still active?
- Replies: 71
- Views: 11042
Re: Vanguard Flagship Tier still active?
The initial free meeting for PAS may be of interest to you/her.HomerJ wrote: ↑Thu Nov 16, 2023 11:04 am Couldn't we once get a single free consult as part of Flagship Tier?
Does that still exist at Vanguard anywhere? My wife would love for "a professional" to go over our portfolio and reassure her that we are doing as well I tell her we are doing.
But she doesn't want to pay for it...
- Mon Nov 13, 2023 9:48 pm
- Forum: Personal Consumer Issues
- Topic: Anyone buy a '23 or '24 Lexus RX350h recently?
- Replies: 34
- Views: 6487
Re: Anyone buy a '23 or '24 Lexus RX350h recently?
Very happy with my Lexus RX 450 hybrid 2022.
3 mo wait. MSRP + $300.
The dealer got 3 of them, sent me an Email and I told him which one I wanted in 1 hour over Email. Picked up that Saturday from the dealer 2 hrs away.
3 mo wait. MSRP + $300.
The dealer got 3 of them, sent me an Email and I told him which one I wanted in 1 hour over Email. Picked up that Saturday from the dealer 2 hrs away.
- Mon Nov 13, 2023 6:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
- Mon Nov 13, 2023 6:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
Re: City wants "Temporary Limited Easement" from me
The easement is 1" away from fence. Trail will be about 5 feet away from fence. Where does the property line run. I assume between your fence and the property line. You will probably want to keep a fence. I'd probably try to negotiate for them to replace your fence. If there is only 1" between their easement, and your fence, you might have have to ask them for an easement when your fence needs replacing. 1" is not enough. There is a 2 lane road with minimal traffic. Adjoining the road is a strip of land belonging to the city where the walking trail will be built. Adjoining that is my property. A 5 feet wide strip of my land is behind my fence and the city wants to use this for 1.7 years while they are constructing the trail....
- Sun Nov 12, 2023 10:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Need a car...what to do
- Replies: 83
- Views: 8469
Re: Need a car...what to do
My fiancée and I just graduated, we've just started working and are making about $165k per year. A year from now, we'll be taking home about $400k a year. We're saving for a wedding in September 2024 ($30k) and have student loans ($160k). No consumer debt. We plan on aggressively tackling our student loans once I start a better job in October 2024, but we've begun repaying now. However, we only have one car at the moment and absolutley need two. I'm not opposed to buying a beater car for about $5k or so, but is this a smart move financially? No I want something safe, reliable, and it'll need to get me to work totaling about 100 miles a day to commute. Are we better off buying a beater car and aggressively paying off our debt? Or, since we'...
- Sun Nov 12, 2023 10:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
Re: City wants "Temporary Limited Easement" from me
Thanks everybody for the excellent suggestions.
- Sun Nov 12, 2023 10:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Amica Dividend Policy - Too Good To Be True?
- Replies: 32
- Views: 5690
Re: Amica Dividend Policy - Too Good To Be True?
Yes. Amica customer for >15 yrs.jdbs3 wrote: ↑Tue Feb 28, 2023 9:43 am Thank you for the replies.
From the research I have done, Amica looks like a good insurance company.
A dividend policy is available in my state. But I am trying to validate the statement one agent made:
"Called an Amica agent the other day and she stated that in the last 17 years (how long she has worked there), the auto and umbrella policy dividends have been 20% every year. And the home dividend every year."
For those of you who have a dividend policy, does this match with what you have received in dividends each year?
Getting this same % every year just seems too good to be true.
thanks
- Fri Nov 10, 2023 7:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
Re: City wants "Temporary Limited Easement" from me
House is fully paid.Watty wrote: ↑Thu Nov 09, 2023 10:27 pm A couple of things to look into;
1) If you have a mortgage then you may not be able to sell land or grant easements without the lenders approval.
2) Look into your liability. If someone is biking or walking on the trail and gets hurt you could be sued especially if someone on a bike hits your fence which is inches from the trail.
3) Ask a local real estate agent how that would impact your houses value. There is a chance that it could make your house more valuable or hurt it depending on the details.
The easement is 1" away from fence. Trail will be about 5 feet away from fence.
Will ask agent. My belief is it will be price neutral or mildly increase value.
- Fri Nov 10, 2023 7:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
Re: City wants "Temporary Limited Easement" from me
But have included another form on which is written: Commitments made: 5 blank lines for me to write . Other matters of interest and owner concerns: 5 blank lines for me to write. Am I right to understand that they do not want to buy any land from me but simply want to use a approx 5 foot wide strip of land at the back 190 foot edge of my lot to put construction material on it for 1.7 years while building the path. Any suggestions/ recommendations are highly appreciated. If the back of your land is adjacent to the new trail? Yes The temporary easement is just for grading and minor disturbances of the land abutting the trail. They will likely do some grading right next to the trail to tie the natural ground to the trail grade, and then resto...
- Thu Nov 09, 2023 9:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
Re: City wants "Temporary Limited Easement" from me
Thanks to everybody for sharing your knowledge with me. The breadth of knowledge on this forum continues to amaze me.
- Thu Nov 09, 2023 8:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
Re: City wants "Temporary Limited Easement" from me
I am a retired commercial real estate appraiser, and I appraised several properties that highway departments acquired both permanent and temporary easements on. A temporary easement is often used exactly as you describe - for temporary storage of materials or staging of equipment. The calculation you provided suggests to me that they are valuing the land at $2.60 per SF, with a market rent of $0.26 per year (10 percent of land value). They would pay you for the 1.73 years, at which point you would get use of the land back. I have no idea what the land is worth, but 10 percent is pretty high as annual rent, so that's in your favor. But the resulting dollar amount is minimal, so it probably doesn't matter much what land value or rent percent...
- Thu Nov 09, 2023 8:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
Re: City wants "Temporary Limited Easement" from me
I am a retired commercial real estate appraiser, and I appraised several properties that highway departments acquired both permanent and temporary easements on. A temporary easement is often used exactly as you describe - for temporary storage of materials or staging of equipment. The calculation you provided suggests to me that they are valuing the land at $2.60 per SF, with a market rent of $0.26 per year (10 percent of land value). They would pay you for the 1.73 years, at which point you would get use of the land back. I have no idea what the land is worth, but 10 percent is pretty high as annual rent, so that's in your favor. But the resulting dollar amount is minimal, so it probably doesn't matter much what land value or rent percent...
- Wed Nov 08, 2023 8:11 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is having technical difficulties; Resolved
- Replies: 7
- Views: 984
- Wed Nov 08, 2023 7:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: City wants "Temporary Limited Easement" from me
- Replies: 42
- Views: 8202
City wants "Temporary Limited Easement" from me
About a year ago my city asked me and many of my neighbors to a meeting at the city library and announced that the city was planning to build a biking/ walking path and may need us to sell a narrow strip of land at the back of our properties to the city. 2 days ago I got an envelope from a firm employed by the city . This letter says " XXX firm has been hired to act as agents of the city to acquire the needed right of way interests for the project. The acquision involves 875 sq feet of temporary limited easement . They are proposing to pay me 26 cents/ sq foot /per year for 1.73 years for 875 sq feet = $390 for this. It is however described as 875 sq ft x $2.60/sf x 10% x 1.73 yrs with a 3% yearly discount. If somebody knows about this...
- Wed Nov 08, 2023 7:03 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is having technical difficulties; Resolved
- Replies: 7
- Views: 984
Vanguard is having technical difficulties; Resolved
Today Nov 8 at 8 pm ET I could not sign in. I get a message "Vanguard is having technical difficulties"
810 pm ET: Resolved
810 pm ET: Resolved
- Mon Oct 23, 2023 10:06 pm
- Forum: Personal Consumer Issues
- Topic: Gift recommendations - 18th birthday
- Replies: 50
- Views: 4681
Re: Gift recommendations - 18th birthday
He wants a car.srt7 wrote: ↑Sun Oct 22, 2023 1:19 pm Hey all, my son turns 18 soon and wife and I are at a loss on what to get him for his birthday. He will be off to college next fall and is a good student. Asked him and he said he doesn't want anything except for a car which we are not sure if he would be able to bring to college (1st year mandatory dorm, parking issues etc.) We do have a couple older (~ 8 years) cars and I'm looking to add an SUV to the stable so there's that too.
Anyone go through something similar and have any recommendations?
I recommend you sign him up for Zipcar and pay the initial 10/20/30 hours.
- Mon Oct 23, 2023 7:55 pm
- Forum: Investing - Theory, News & General
- Topic: Please explain how bonds “recover”
- Replies: 68
- Views: 7965
Re: Please explain how bonds “recover”
My 529, for my high school sophomore, is currently in a target fund with a glide bath. It’s an aggressive growth fund so sitting at 70/30 now, shifting to 60/40 next year, 50/50 when kid is a senior, and then very conservative allocation through college. It has had disappointing returns since I started investing back in 2015, averaging about 4-5%/year, but I’ve stayed the course! Question: Is if possible for the bond part of the fund to “recover” in the next 2-3 years? Partial recovery: Very likely. Full recovery : Unlikely. I don’t understand bonds at all. The bond portion is invested in Vanguard Total Bond Market II index fund. Not sure what else I would do but I’m curious if investing more into this fund is “throwing good money after ba...
- Mon Oct 23, 2023 7:21 pm
- Forum: Personal Consumer Issues
- Topic: Visiting Sedona for 7 days
- Replies: 22
- Views: 2551
Re: Visiting Sedona for 7 days
Thanks everybody. Keep it coming.
- Sun Oct 22, 2023 10:09 pm
- Forum: Personal Consumer Issues
- Topic: Visiting Sedona for 7 days
- Replies: 22
- Views: 2551
Visiting Sedona for 7 days
My wife and I are visiting Sedona for 7 days in about a week. We are staying in one of the resorts and will have a rented SUV picked at Phoenix airport.
I will be working from 7 AM to 1 PM on 6 of those days but after 1 pm we will be free as well as last full day.
We are in our late 50's in good health. We like hiking. Looking for recommendations for hiking, restaurants etc. Thanks.
I will be working from 7 AM to 1 PM on 6 of those days but after 1 pm we will be free as well as last full day.
We are in our late 50's in good health. We like hiking. Looking for recommendations for hiking, restaurants etc. Thanks.
- Sun Oct 22, 2023 9:55 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare-approved amounts
- Replies: 22
- Views: 2134
Re: Medicare-approved amounts
Yes.
From a hospital's perspective govt insurance tends to be the lowest payor.
However Medicare almost always pays better than medicaid.
From a hospital's perspective govt insurance tends to be the lowest payor.
However Medicare almost always pays better than medicaid.
- Fri Oct 20, 2023 10:50 pm
- Forum: Personal Consumer Issues
- Topic: Garage tool storage (shovels and similar)
- Replies: 20
- Views: 1928
Re: Garage tool storage (shovels and similar)
I have the rubbermaid version of this.Kenkat wrote: ↑Fri Oct 20, 2023 10:13 am I have a wooden tool rack with wood pegs and pre-drilled holes so you can move things around to accommodate different tools. It works great but I bought it 25 years ago so I am not sure something like this is still out there and available. It would be pretty easy to create your own if you were somewhat handy. A 2x4 or similar bolted horizontally to the wall about eye level and dow rods and self drilled holes at a slightly upward angle to hold the tools.
https://www.lowes.com/pd/Rubbermaid-Fas ... 5014169057
- Fri Oct 20, 2023 8:32 pm
- Forum: Personal Consumer Issues
- Topic: Quality men's leather belt?
- Replies: 44
- Views: 3767
Re: Quality men's leather belt?
I have one belt bought from Allen Edmonds bought from their downtown Chicago store. It was actually made in Italy but Allen Edmonds brand. They are better known for their shoes. I had gone there to repair my shoes and saw the belt on display.
5 years. Used regularly. Still looks like new. Price at that time was about 160.
5 years. Used regularly. Still looks like new. Price at that time was about 160.
- Wed Oct 04, 2023 8:04 pm
- Forum: Personal Consumer Issues
- Topic: Should I give up on college?
- Replies: 77
- Views: 8729
Re: Should I give up on college?
If I had a choice between:
having a degree
and
having an income
I know what I would choose.
having a degree
and
having an income
I know what I would choose.
- Wed Oct 04, 2023 7:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Family Will Be Uninsured in 30 days, Advice Appreciated
- Replies: 47
- Views: 4748
Re: Family Will Be Uninsured in 30 days, Advice Appreciated
Disagree.herennow wrote: ↑Mon Oct 02, 2023 4:05 pm Glad to hear your family is in good health.
First of all, it is ok to not have health insurance for a while if you are all in good health. Minute clinics will help tide over the next three months.
Heath insurance marketplace will open up on Nov 1st for next year. Save the date
Research short term limited health policies directly from insurer website if you are so concerned for the next three months. It is a little expensive but not as much as COBRA would cost you.
And this too shall pass
- Sun Oct 01, 2023 2:31 pm
- Forum: Personal Investments
- Topic: Fidelity Brokerage-link worth it for diversification?
- Replies: 17
- Views: 1935
Re: Fidelity Brokerage-link worth it for diversification?
For a 100K investment the brokerage link adds 0.1% to the expense ratio (too much).
For a million it adds 0.01% (acceptable)
For a million it adds 0.01% (acceptable)
- Sun Oct 01, 2023 2:23 pm
- Forum: Personal Consumer Issues
- Topic: Pre-emptive replacement of ceiling CFLs
- Replies: 13
- Views: 1626
Re: Pre-emptive replacement of ceiling CFLs
Under this scenario I would replace all bulbs in kitchen but keep the working ones to use in other locations where one or 2 bulbs is/are required and are at at easier place to replace. ( garage/basement). I do it for both economic and environmental reasons.
- Sat Sep 30, 2023 10:20 pm
- Forum: Personal Consumer Issues
- Topic: 4 runner or Outback or Passport: help me decide new car
- Replies: 83
- Views: 7593
Re: 4 runner or Outback or Passport: help me decide new car
Possibly new Toyota land cruiser. (based on reputation of past land cruisers)frugaltigris wrote: ↑Sat Sep 30, 2023 7:21 am
This vehicle should survive 200K miles with little maintenance and should not have costly repairs. Considering only 2 row SUV (like) with large cargo area.
Frugal tigris
- Tue Sep 26, 2023 7:13 pm
- Forum: Personal Consumer Issues
- Topic: Private school offering no AP courses in high school
- Replies: 139
- Views: 13886
Re: Private school offering no AP courses in high school
My daughter took about 16 AP courses during high school and scored a 5 on each. She had junior standing on her first day of college. She could therefore get into any course she wanted. She had completed >95% of credits required for graduation in 2.5 years and completed undergrad degree in 3.5 years. During these initial 2.5 years she was able to complete the required classes for med school. She took some courses (s/as biostatistics) generally taken by graduate students during this time. She spent some time in the public health field. Due to this she was able to complete a Master of Public Health (MPH) degree at Harvard in 12 months instead of 18. She used the last 1.5 years of her undergrad time to travel the world, work at medical camps in...
- Mon Sep 25, 2023 9:48 pm
- Forum: Investing - Theory, News & General
- Topic: How fast does the dividend increase in a rising rate environment
- Replies: 4
- Views: 908
Re: How fast does the dividend increase in a rising rate environment
Seen a lot of questions as to when will my intermediate term bond fund get back to even but I don’t remember seeing anyone comment on how fast the dividend should increase. Over 1 year from 9/22 to 9/23 my million dollar bond fund has increased its monthly payout about $500. Should the rise become quicker as more and more bonds are purchased at the higher rate? Intermediate term bond paying at 3% on a million = 30,000/year Intermediate term bond paying at 3.6% on a million = 36,000/yr or an extra 6000/year or an extra 500/month Intermediate term munis dropped by about 0.6% today or by $6000/million. The extra 6000 interest/dividend noted above was gone in a day. (will come back if held for the duration of about 6 yrs) ( I am looking at VTE...
- Sun Sep 24, 2023 6:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Spouse is expecting...and has been offered a big new job
- Replies: 18
- Views: 3974
Re: Spouse is expecting...and has been offered a big new job
At my large private healthcare employer this would be "leave without pay".
- Sun Sep 24, 2023 6:23 pm
- Forum: Personal Consumer Issues
- Topic: My Elderly Parents Can't Resist Answering the Phone
- Replies: 127
- Views: 39198
Re: My Elderly Parents Can't Resist Answering the Phone
I have an Ooma land line phone (VOIP).
It costs $7/mo basic plan.
I add the premium plan for an extra 120/year. This means they block all phone numbers known to them of nuisance value. Only about 1 to 2 calls per week slip through and if I want I can block them manually.
It costs $7/mo basic plan.
I add the premium plan for an extra 120/year. This means they block all phone numbers known to them of nuisance value. Only about 1 to 2 calls per week slip through and if I want I can block them manually.