Search found 3486 matches

by munemaker
Wed Nov 14, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 132
Views: 15796

Re: [Financial] Habits of the Rich

Without fun cars, what's the point of being rich? Security Every time I see this, or something similar that touts "security", I can only think of James Thurber. A large spider in an old house built a beautiful web in which to catch flies. Every time a fly landed on the web and was entangled in it t...
by munemaker
Wed Nov 14, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Moto G5+ to Moto X4?
Replies: 6
Views: 482

Re: Upgrade from Moto G5+ to Moto X4?

I have the Moto X4 which I use on the Project Fi network. Works fine, no complaints.

Not sure exactly what you are trying to accomplish with an upgrade so I don't know if this would meet your needs.
by munemaker
Wed Nov 14, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 50
Views: 3172

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

Christine Benz at Morningstar is an advocate of the bucket approach and has written a lot about it. Google Christine Benz and Bucket approach; you you will find a lot of information.
by munemaker
Wed Nov 14, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Honda reliability slipping?
Replies: 58
Views: 6920

Re: Honda reliability slipping?

CULater wrote:
Sun Apr 08, 2018 10:55 pm
Just opinions. When it comes to vehicle reliability nobody knows nothin'.
Consumer Reports reliability ratings are based on hard data, not opinions. Unlike the market, in this case, someone knows somethin'.
by munemaker
Wed Nov 14, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 43
Views: 2309

Re: fuel for snowblower

There are a few convenience stores in our area that sell ethanol-free gas that is 91 octane. It is more expensive, which seems counter-intuitive, since I thought the idea of adding ethanol was to reduce the cost. That is not counter-intuitive, it is directly intuitive. If the purpose of adding etha...
by munemaker
Tue Nov 13, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 77
Views: 9246

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

A drop in the market is healthy in that it drives out excesses. This is an example.
by munemaker
Tue Nov 13, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 43
Views: 2309

Re: fuel for snowblower

There are a few convenience stores in our area that sell ethanol-free gas that is 91 octane. It is more expensive, which seems counter-intuitive, since I thought the idea of adding ethanol was to reduce the cost. In any event, that's what I use for my motorcycles and small engines (mower, snow blowe...
by munemaker
Tue Nov 13, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2685

Re: How long have you had, or did you have, your HP-12C calculator?

I use the HP-12C every day through HP-12C apps for my phone and for Chrome.

I do have two of the physical HP-12C calculators in my desk gathering dust. Since I always have my phone with me, and the phone & browser apps are identical, no point in carrying a physical calculator around.
by munemaker
Tue Nov 13, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2685

Re: How long have you had, or did you have, your HP-12C calculator?

Hi, OP again. Thanks to all for your responses. All this talk of various HP calculators makes me wonder if anyone still has an HP-45? IIRC it came out around the time I graduated from high school, in 1973. It cost about $400 and I really lusted in my heart for one. But I didn't have that kind of mo...
by munemaker
Tue Nov 13, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 132
Views: 15796

Re: [Financial] Habits of the Rich

For example, I don't consider a person who can't buy a very nice car without worrying about the money to be "rich", but for some others such a person could still be considered "rich". If you read the book "Millionaire Next Door," you would be surprised to learn that a lot of us drive very ordinary ...
by munemaker
Mon Nov 12, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: The Disaster That Is General Electric Company Stock
Replies: 25
Views: 6009

Re: The Disaster That Is General Electric Company Stock

This could be a buy opportunity. Much like buying in 09 and selling in 16, you could have doubled your investment while collecting dividends the whole time. While the reduction in dividend is quite a blow, it was probably a smart move. How did that buying opportunity work out for you? You can colle...
by munemaker
Mon Nov 12, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 77
Views: 10626

Re: General Electric

I have held GE personally for the past few months, through the ups and downs. More and more people are telling me to sell and I am not quite convinced yet. On one hand GE is a historically significant company that may just be going through a rough time with regards to profits and publicity. On the ...
by munemaker
Mon Nov 12, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 132
Views: 15796

Re: [Financial] Habits of the Rich

alfaspider wrote:
Mon Nov 12, 2018 4:59 pm
Without fun cars, what's the point of being rich?
Security
by munemaker
Sat Nov 10, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6019

Re: How to stop junk mail for a deceased person

Is there a reply paid envelope? Take the original mail, stuff it in the reply envelope, and send it all back to them. L. I think this may not work. I don't think the company collecting donations or whatever is necessarily telling the soliciters when they get envelopes of trash. I have been doing th...
by munemaker
Fri Nov 09, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9667

Re: Favorite "free stuff"?

blueblock wrote:
Thu Nov 08, 2018 9:04 pm
My monthly gym membership ($39) is free via silversneakers.com.
This membership is not free. It is part of your health plan that you are paying a fee for.
by munemaker
Fri Nov 09, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9667

Re: Favorite "free stuff"?

I get free oil changes at the dealership where I bought my certified used car. I take my car in every 3K miles and have gotten about 30 free oil changes so far. I thought the dealership would end the free oil changes once my car hit 100K miles, but nope. I suggest these oil changes are not free. Th...
by munemaker
Fri Nov 09, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9667

Re: Favorite "free stuff"?

Deleted - duplicate
by munemaker
Thu Nov 08, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14515

Re: How much money are you leaving your kids after you die?

ThankYouJack wrote:
Tue Nov 06, 2018 1:04 pm
I'm curious, especially for those with assets (or planned assets) over $1million. Do you plan to leave your kids nothing, some or everything?
Whatever's left.
by munemaker
Thu Nov 08, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from ACA to Medicare
Replies: 32
Views: 3468

Re: Switching from ACA to Medicare

To the OP --> I am the contact person on a health insurance policy I bought on the ObamaCare Exchange, and already bought a Medicare Advantage plan that is effective on 11/01/2018. I will have to be removed from the ObamaCare policy and my wife made the contact person. So how to switch me only from...
by munemaker
Thu Nov 08, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9667

Re: Favorite "free stuff"?

OK, as others have pointed out, almost everything is paid for by someone somehow. If others pay for it (through taxes or whatever) and I use it with no charge, it is free for me. But these things are close enough to free for me: - free mutual funds (i.e. Fidelity zeros) - free interest paying checki...
by munemaker
Thu Nov 08, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9667

Re: Favorite "free stuff"?

HueyLD wrote:
Thu Nov 08, 2018 3:08 pm

I prefer to buy my own stuff in lieu of getting a bunch of cheap “free” junk.
This isn't the thread you're looking for.

Image


credit: The529guy
by munemaker
Mon Nov 05, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7945

Re: Teaching kids there is an ample amount of money

I'm wondering how high net worth families teach their children about money. I think I'll tell my kids that we are blessed / fortunate to not have to worry about money but we are also resourceful and don't buy a bigger house or fancier cars (or more toys) just because we can. To me that seems more t...
by munemaker
Mon Nov 05, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7945

Re: Teaching kids there is ample amount of money

I'm not sure how to define high worth. High-net-worth individual (HNWI) is a term used by some segments of the financial services industry to designate persons whose investible assets (such as stocks and bonds) exceed a given amount. Typically, these individuals are defined as holding financial ass...
by munemaker
Sat Nov 03, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1755

Re: Nationwide Private Client

Lol. What's your point? Should they volunteer their time? I know several as well, with the same observation. The point, or the implication, is that they make a lot of money that goes to the expenses of the products/ investments they sell. Somebody's paying for the big houses and fancy cars, and tha...
by munemaker
Sat Nov 03, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2771

Re: Close to the Bull Trap phase of the market cycle

Want to share a post: https://www.teamblind.com/article/Close-to-the-Bull-Trap-phase-of-the-market-cycle-sNzEBUKZ I do think there are some valid points in this post: 1) The general sentiment by some experts is that market is overvalued: I am sure if someone gathers data, this is quantifiable. I fo...
by munemaker
Sat Nov 03, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1766

Re: Credit card SurCharges

Now that you know about the policy, one way around it is (gasp!) a paper check. An alternative would be to find another shop and tell the old one why you will no longer be a customer. Personally, I would go with the second option. I try as hard as I can not to deal with businesses that add surcharg...
by munemaker
Sat Nov 03, 2018 7:24 pm
Forum: Investing - Theory, News & General
Topic: Bonds vs CDs
Replies: 39
Views: 4353

Re: Bonds vs CDs

When you make a deposit at a bank you are lending the bank money. Many people refer to a deposit in a bank colloquially as a "loan" but that doesn't make it so. In any case, even if you prefer to use the word "loan" to "deposit" that still doesn't make a CD a type of bond. It is a time-deposit savi...
by munemaker
Fri Nov 02, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3532

Re: The most you ever paid for a prescription

So those expensive drug costs? They are mostly buried in the premiums... Yes, unless the employer self insures, in which case the employer writes a check to the insurance administrator. That's a very high monthly/annual fee per person. That's money that could be paid out in wages instead of going t...
by munemaker
Fri Nov 02, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage-ACA and Medicare
Replies: 15
Views: 1347

Re: Health Coverage-ACA and Medicare

Thanks for the responses. I've looked at the link as well. My wife and I file jointly. Our daughter, while still residing at home, works, covers her own bills and files separately. So our income totals should include all of us, I assume? That would likely be over the cliff, at least during the fina...
by munemaker
Fri Nov 02, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 4926

Re: Falling off the ACA subsidy cliff

I think I may end up falling off the ACA subsidy cliff. My best estimate puts me $4-6K above the 400% poverty line. I'm on an ACA plan and have been getting the subsidies amounting to almost $1500 per month. So 2 questions: 1) If I am over the 400% line, I'm required to repay the ENTIRE subsidy, no...
by munemaker
Fri Nov 02, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1755

Re: Nationwide Private Client

I know a few Nationwide insurance guys. They live in big houses and drive nice cars. Profit somewhere for sure. Lol. What's your point? Should they volunteer their time? I know several as well, with the same observation. The point, or the implication, is that they make a lot of money that goes to t...
by munemaker
Fri Nov 02, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage-ACA and Medicare
Replies: 15
Views: 1347

Re: Health Coverage-ACA and Medicare

I will retire mid 2019. My wife and I, plus our 24 year old daughter are currently on our company plan. I will be Medicare eligible but not my wife. When I've looked at the ACA form on Covered California, it asks "How many people in the family?" Do I answer three but only two of them need a plan? D...
by munemaker
Fri Nov 02, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Nationwide Private Client
Replies: 24
Views: 1755

Re: Nationwide Private Client

I know a few Nationwide insurance guys. They live in big houses and drive nice cars. Profit somewhere for sure. Lol. What's your point? Should they volunteer their time? I know several as well, with the same observation. The point, or the implication, is that they make a lot of money that goes to t...
by munemaker
Fri Nov 02, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 4926

Re: Falling off the ACA subsidy cliff

I think I may end up falling off the ACA subsidy cliff. My best estimate puts me $4-6K above the 400% poverty line. I'm on an ACA plan and have been getting the subsidies amounting to almost $1500 per month. So 2 questions: 1) If I am over the 400% line, I'm required to repay the ENTIRE subsidy, no...
by munemaker
Tue Oct 30, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 4707

Re: GE: We Bring Bad News To Life!

I don't understand why people keep bringing up GE.

Forget GE. It's a stinker. Buy index funds and you will be much better off.
by munemaker
Tue Oct 30, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2354

Re: Highlander or Murano 2018 ..

Alexa9 wrote:
Mon Oct 29, 2018 6:19 pm
Toyota for sure. Nissans are not nearly as reliable.
+1
by munemaker
Tue Oct 30, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Kevin O'Leary: owning a car is a terrible idea
Replies: 43
Views: 3311

Re: Kevin O'Leary: owning a car is a terrible idea

Personally I would not make any decisions based on the opinions of a television entertainer.
by munemaker
Tue Oct 30, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: IRMAA Thresholds in 2020
Replies: 7
Views: 492

Re: IRMAA Thresholds in 2020

mhalley wrote:
Tue Oct 30, 2018 10:51 am
Our health insurance is going up to over 2800 a month in Jan.. My wife and I turn 65 later next year, and will jump offf the Irma cliff with glee.
Just curious - $2,800 seems expensive for a couple. What kind of insurance do you have? No less expensive options available?
by munemaker
Mon Oct 29, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6221

Re: Anyone else feel giddy every time VXUS gets creamed?

nisiprius wrote:
Mon Oct 29, 2018 3:28 pm
I try not to get emotionally involved in my investments.
+1
by munemaker
Mon Oct 29, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8442

Re: When to change tires; and what brand

I trade them out probably close to 5/32. I was thinking about this. If a new tire has a tread depth of 8/32, and you "trade them out" at 5/32, you have consumed 3/32 of tread. If you would continue using the tires until the legal limit of 2/32, you would consume another 3/32 of tread. So by changin...
by munemaker
Sun Oct 28, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing MAGI to qualify for ACA Premium Tax Credit
Replies: 12
Views: 1371

Re: Reducing MAGI to qualify for ACA Premium Tax Credit

Instead of dealing with estimating your income, it's simpler to pay the full premium during the year, then get the credit back when you file your taxes. That's assuming of course that you have the cash available. An exception would be if you can reduce your income to the point where you qualify for...
by munemaker
Sun Oct 28, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3866

Re: When to get a new toilet?

I don't think toilets go bad. They are mainly replaced for aesthetic reasons.
by munemaker
Sun Oct 28, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2922

Re: 2019 ACA plans available for review

Is anyone familiar with HMO (vs EPO or PPO)? My rates for a PPO are skyrocketing - but the HMO is much less. I don't use healthcare often, mainly have it for catastrophic insurance (like cancer, etc.). The HMO plans say "out of network" isn't covered nor is "out of network" emergency care. Does thi...
by munemaker
Sun Oct 28, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 40
Views: 3162

Re: If On Medicare Before SS, How Do You Pay?

I believe the bills they send can be paid by check or credit card. Credit card with 2% cash rewards. It does cost a forever stamp. --vtMaps So, you mail in the payment by writing your credit card number on the remittance slip? It seems risky. Risky for the bank maybe. I am not liable for any fraudu...
by munemaker
Sun Oct 28, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 40
Views: 3162

Re: If On Medicare Before SS, How Do You Pay?

. If you are on Medicare before starting Social Security, how do you pay your premiums? I believe the bills they send can be paid by check or credit card. They also seem to have a way to switch to direct deposit. What do you use and why? Is their some advantage(s) in using a particularly method? Th...
by munemaker
Sun Oct 28, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What A Deal! [Affordable Care Act policy costs]
Replies: 28
Views: 3992

Re: What A Deal! [Affordable Care Act policy costs]

Just checked the Affordable Care Act website, and my family of 4 will have the option of paying $17,000/year for a high deductible PPO (2018 cheapest option), compared to $21,000/year last year for an HMO (2017 cheapest option). I feel like I'm getting a deal! Anyone else ever feel like they are ge...
by munemaker
Thu Oct 25, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7829
Views: 1606904

Re: U.S. stocks in freefall

DanMahowny wrote:
Thu Oct 25, 2018 8:38 am
Today's "bounce back" will be short lived. Pretty soon, the market will roll over and go deep red.
Image
by munemaker
Thu Oct 25, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 1653

Re: Insignia TV Has Black Screen

My tube TV had 20 years of use without a problem before I threw it out. But it was functionally obsolete because picture quality had improved so much in those 20 years. It may have also been a good brand. 1080P LCD TV's are probably approaching 15 years of mainstream use and are not obsolete yet as...
by munemaker
Mon Oct 22, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3324

Re: Why are Carbon Offset Credits so cheap?

Carbon offset fees, carbon taxes and the like are a scam.
by munemaker
Mon Oct 22, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 33
Views: 3233

Re: Dentist "Service Fee" for Filing Insurance Claim?

Everyone should be prepared to see and pay fees for filing insurance claims, particularly for dental work. No, they should not be, at least if the provider is in network. In network providers agree to charge only allowed prices for services provided. Billing is just part of the cost of doing busine...