Search found 2970 matches

by munemaker
Sun Jun 24, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 43
Views: 3141

Re: Chipmunk problem

I just bought the Havahart trap a few days ago. So far the chipmunks have eaten the peanut butter and escaped four times, even though the trap was set off. Not sure how this is happening. My wife is keeping score and so far CHIPMUNKS - 4, MUNEMAKER - 0. I am about to lose my heart and go for the "c...
by munemaker
Sun Jun 24, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 64
Views: 4975

Re: Retirees: When you cut spending, what do you cut?

I looked on the ACA exchange and it looks like I could get a silver plan for less than what I pay for my current health insurance. Granted, it's not as good as the plan I currently have, but beggars can't be choosers. Pretty sure going to the exchange is not an option if you are offered health insu...
by munemaker
Sun Jun 24, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 64
Views: 4975

Re: Retirees: When you cut spending, what do you cut?

I looked on the ACA exchange and it looks like I could get a silver plan for less than what I pay for my current health insurance. Granted, it's not as good as the plan I currently have, but beggars can't be choosers. Pretty sure going to the exchange is not an option if you are offered health insu...
by munemaker
Sun Jun 24, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 64
Views: 4975

Re: Retirees: When you cut spending, what do you cut?

mouses wrote:
Sun Jun 24, 2018 7:03 am

The last thing I would cut would be charitable giving, however.
To me, it is similar to the instructions they give in a commercial aircraft...When the oxygen masks drop, take care of your own oxygen supply first, and then help those around you.
by munemaker
Sun Jun 24, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 273
Views: 34240

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

Moviepass can also get you free popcorn...if you go to Regal theatres and join their loyalty program, you get points per movie, which add bonuses as you see more, so you can get a free popcorn after every 5 or so movies, along with half-price popcorn on Tuesdays (even less if you buy their discount...
by munemaker
Sat Jun 23, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 64
Views: 4975

Re: Retirees: When you cut spending, what do you cut?

Hopefully we will never have to cut, but if we did, it would be: 1) the Gulfstream V 2) the Porsche 3) vacation home in the Hamptons 4) dining out - Go to less expensive places or stop altogether 5) stop paying people to do things we can do ourselves: drivers, pool boy, lawn care, (certain) car main...
by munemaker
Sat Jun 23, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 2993

Re: Does an IPS really need to be 5 pages long to be valuable?

Sandtrap wrote:
Thu Jun 21, 2018 9:57 am
My IPS Statement is outlined for others, my hares, to follow after my demise.
My hares:
Image
by munemaker
Sat Jun 23, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 273
Views: 34240

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

Nate79 wrote:
Sat Jun 23, 2018 6:48 pm
Moviepass to start implementing surge pricing for popular movies

https://www.doctorofcredit.com/moviepas ... rs-exempt/
...and MunEMaker will be cancelling his subscription as a result.
by munemaker
Sat Jun 23, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Two Toyotas - time to update for long trips?
Replies: 25
Views: 1919

Re: Two Toyotas - time to update for long trips?

BlueFin wrote:
Fri Jun 22, 2018 12:30 pm
You're wasting a lot of money by changing synthetic oil at 5000 mile intervals.
Yes, and don't neglect your other fluids....coolant, transmission fluid, brake fluid, etc. per the owners' manual.

Some people overdo it on the engine oil and neglect the other fluids.
by munemaker
Fri Jun 22, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 2061

Re: 4K Computer Monitors: 27 vs 32 inches?

I am writing this using a 4K TV as a monitor. It is 43 inches and I am very happy with it. Is this 43 inch monitor positioned on a desk? How far are your eyes from the screen when you use it? Trying to imagine a 43 inch monitor on my desk. Do you have room for anything else on your desk? Right now ...
by munemaker
Wed Jun 20, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 57
Views: 2813

Re: Is technology the reason for low inflation?

rgs92 wrote:
Wed Jun 20, 2018 10:30 am
And airline deregulation has made importing cheap labor from anywhere economical.
In conjunction with H1-B visas!
by munemaker
Wed Jun 20, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 57
Views: 2813

Re: Is technology the reason for low inflation?

Technology allowed us to build bigger faster cars but that does not reduce inflation. It does if the cars require less fuel and less maintenance than the cars they replaced. Not only that, but cars last a lot longer. When I started driving, it was very unusual for a car to reach 100,000 miles. Now ...
by munemaker
Wed Jun 20, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7563

Re: New Capital One 360 ACH limits

...it has been 5 full months now as I've been trying to add my wife as secondary account owner to my Capital One 360 Money Market account and to no avail. I called literally several dozens of times, talked to many customer service representatives and their managers, and got absolutely nowhere. Just...
by munemaker
Tue Jun 19, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7563

Re: New Capital One 360 ACH limits

...it has been 5 full months now as I've been trying to add my wife as secondary account owner to my Capital One 360 Money Market account and to no avail. I called literally several dozens of times, talked to many customer service representatives and their managers, and got absolutely nowhere. Just...
by munemaker
Tue Jun 19, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7563

Re: New Capital One 360 ACH limits

This is transferring between accounts in your Capital One 360 account and not via ACH to / from external accounts. The email from Cap 1 was referencing ACH to / from external accounts. Sorry...my error I checked and I don't even have an external account linked from my Capital One 360 accounts. I ha...
by munemaker
Tue Jun 19, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 35
Views: 4486

Re: Trust Help From Cruel Stepmother

If he was with your stepmother for 17 years, maybe he wanted to leave his estate to her. I understand why that would upset you (it would me), but that was his choice to make.
by munemaker
Tue Jun 19, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7563

Re: New Capital One 360 ACH limits

So nobody knows what the per-transaction limit is? Did you try what I suggested above (repeated here)? On their website, I clicked on TRANSFER. When the TRANSFER screen comes up, it states an amount that is available for the transfer. For example, at this time, I have about $10,000 in checking and ...
by munemaker
Tue Jun 19, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: Why do we need 529?
Replies: 41
Views: 3541

Re: Why do we need 529?

No one needs a 529. It is a way for people, mostly upper income people, to catch a little tax break. You can just ignore the 529 and pay out of a different account.
by munemaker
Tue Jun 19, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7563

Re: New Capitol One 360 ACH limits

Hehe. After logging into my wife's account I pasted the Capital One 360 main screen URL (from viewing in my account) in the browser and it did load the older main screen. https://secure.capitalone360.com/myaccount/banking/account_summary.vm How can I tell if I have the older main screen or the newe...
by munemaker
Tue Jun 19, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7563

Re: New Capital One 360 ACH limits

I got this email as well, and I was disappointed they did not disclose the new limits. On their website, I clicked on TRANSFER. When the TRANSFER screen comes up, it states an amount that is available for the transfer. For example, at this time, I have about $10,000 in checking and $11,000 in MMF. ...
by munemaker
Tue Jun 19, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5094

Re: A vehicle that "sits up" but can't afford CRV

KSOC wrote:
Fri Jun 15, 2018 1:11 pm
jlawrence01 wrote:
Fri Jun 15, 2018 10:25 am
One car that I like to drive that would fit all of the qualifications is the KIA Soul.
+1.
Sits up, great vision, easy in & out, great sound, drives great. Most fun driving car I ever had.
Hamsters love 'em.

Image
by munemaker
Tue Jun 19, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8914

Re: I was rear ended and the other guy wants a payout!

I drive a performance car with much shorter stopping distance than average. Are you required to keep a longer following distance if you follow me? What if I have winter tires in the winter and you are plodding along in your "good enough" all seasons? Or am I required to stop as slowly as your car c...
by munemaker
Mon Jun 18, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9788

Re: Messy Divorce -- Forensic Accounting Help....

1. She could have bought non-dividend paying stocks and never sold. 2. She could have bought gold bullion, jewelry, bitcoins, etc. 3. She could have bought real estate and rented out for cash. 4. Her parents could hold the money for her. Sorry you are going through this. You said you don't know who...
by munemaker
Mon Jun 18, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75256

Re: [What TV Show Have You Recently Watched?]

Gunsmoke; we record it and then watch it every evening. I also like to watch The Lone Ranger; don't record it tho. Luv the old-time cowboy stuff....the Good Guy always wins! Don Gunsmoke is great. I especially like Chester and Festus. I liked Miss Kitty. Retired now, but I worked with a guy whose m...
by munemaker
Mon Jun 18, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75256

Re: [What TV Show Have You Recently Watched?]

I watched the restart of SHADE OF BLUE last night. Really like that show. Too violent and suspenseful for DW though.
by munemaker
Sun Jun 17, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 47
Views: 7563

Re: New Capitol One 360 ACH limits

Probably caused by me. Transferred a large amount of money from Capital One 360 MMF to Vanguard MMF.

Instead of limiting the dollar amount of transfers, a better way to keep (and even increase) deposits would be to pay competitive interest rates.
by munemaker
Sun Jun 17, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security advice needed
Replies: 28
Views: 1945

Re: Social Security advice needed

I'm grappling with determining when to take Social Security and would appreciate some fresh eyes to take a look... Here are my particulars: My age: 62 in August Social Security at 62= $1,011 Social Security at 66= $1,371 Social Security at 70 (didn't include because I don't want to wait until then)...
by munemaker
Sun Jun 17, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4190

Re: Do you cancel old credit cards?

I had the CC issuer cancel 2 old cards for nonuse; hadn't use them for at least 10 years. That puts me down to 2. You are missing out on all the fun. DW and EACH have about a dozen credit cards. I think two of them are joint accounts so something like a dozen each. All except the store cards have c...
by munemaker
Sun Jun 17, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 47
Views: 4190

Re: Do you cancel old credit cards?

I would never open an account that charged me a fee. so I see no need to cancel an old one. In most, but not all cases, the issuer waives the fee for the first year. Often these cards have the nice, fat bonuses of $400 to $500. What I like to do is scoop up the bonus and then close the account befo...
by munemaker
Sat Jun 16, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 63
Views: 4531

Re: Flaw in Logic? CD ladder instead of bond funds

Don't know if this will help anyone but I just called Vanguard to ask a related question and the rep showed me how to find the "Financial Advisors" section on the Vanguard website. It's in the pull-down menu in the top left section of the page (click on "Financial Advisors" instead of "Personal Inv...
by munemaker
Sat Jun 16, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 43
Views: 3141

Re: Chipmunk problem

I just bought the Havahart trap a few days ago. So far the chipmunks have eaten the peanut butter and escaped four times, even though the trap was set off. Not sure how this is happening. My wife is keeping score and so far CHIPMUNKS - 4, MUNEMAKER - 0. I am about to lose my heart and go for the "c...
by munemaker
Sat Jun 16, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Juggling ACA premium credit and non-refundable tax credits
Replies: 6
Views: 508

Re: Juggling ACA premium credit and non-refundable tax credits

"Another idea: If you have an inherited traditional IRA, you can take distributions from it to "soak up" the nonrefundable credit and lot let it go to waste; you don't want a lot of chicken left on that bone" You are of course right.. but some of us are balanced on knife's edge at the ACA cliff wit...
by munemaker
Sat Jun 16, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 43
Views: 3141

Re: Chipmunk problem

Try mixing peanut butter with plaster of paris and making them delicious little homemade peanut snacks. I was told this would not work as advertised but I got rid of passel of ground squirrels and tree squirrels and this is what I attribute it to. Thanks. Sounds like a recipe for constipation. I'll...
by munemaker
Fri Jun 15, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Juggling ACA premium credit and non-refundable tax credits
Replies: 6
Views: 508

Re: Juggling ACA premium credit and non-refundable tax credits

I am actually using your plan this year but with the Savers' Credit. For ObamaCare, I did estimate our income honestly, but due to the rising interest rates, we are receiving considerably more interest than expected. Also, a mutual fund we own dropped a big, fat CG distribution on us. The non-refund...
by munemaker
Fri Jun 15, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 43
Views: 3141

Re: Chipmunk problem

I just bought the Havahart trap a few days ago. So far the chipmunks have eaten the peanut butter and escaped four times, even though the trap was set off. Not sure how this is happening. My wife is keeping score and so far CHIPMUNKS - 4, MUNEMAKER - 0. I am about to lose my heart and go for the "ch...
by munemaker
Fri Jun 15, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13430

Re: Oh my! Cardone says we need $10m net worth

He seems like one of those guys that advertise in cheap TV time slots about how to get rich quick by flipping houses, trading stocks or whatever using his own exclusive method, which he will be glad to sell to you.
by munemaker
Tue Jun 12, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6729

Re: General Electric

The perspective of the employee is different than the shareholder. That's fair. For what it's worth, though, the former employees I know refused to buy GE shares because, based on what they saw what they were there, they're pessimistic about the company's prospects. GE is a huge company. Unless you...
by munemaker
Tue Jun 12, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Which way to save for my child?
Replies: 32
Views: 1835

Re: Which way to save for my child?

fire_rebel wrote:
Mon Jun 11, 2018 2:37 pm
529 plan.
+1

Worked well for us
by munemaker
Tue Jun 12, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Paying off a mortgage: Incentivized by new tax law?
Replies: 17
Views: 1567

Re: Paying off a mortgage: Incentivized by new tax law?

Personally I don't invest in the stock market with borrowed money. I would pay off the loan now and invest later.
by munemaker
Mon Jun 11, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5468

Re: When should you consider removing the collision coverage on a car?

I think a factor in this decision should be your exposure to an accident. How much do you drive and is it in an urban or rural area? If you drive 200 miles/month in a rural area, your exposure is low. If you are commuting daily in dense, urban traffic, your chance of being involved in an accident i...
by munemaker
Mon Jun 11, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pre 65 Retirees - Healthcare
Replies: 21
Views: 2038

Re: Pre 65 Retirees - Healthcare

You have two choices (that I know of): COBRA or ObamaCare. If you go with ObamaCare, how much you pay depends on your modified adjusted gross income. Use the calculator at https://www.kff.org/interactive/subsidy-calculator/ to get a very close estimate of what you will pay. My wife and I planned to ...
by munemaker
Sun Jun 10, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Question about drawing SS while working
Replies: 3
Views: 513

Re: Question about drawing SS while working

I like “immediately”. Getting smaller payments for more years trumps waiting to get larger payments for just a few years before start of spousal. The penalty for claiming early is maintained at the same dollar figure when spousal begins. Since benefit with spousal will be much larger, the penalty f...
by munemaker
Sun Jun 10, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3233

Re: Best banks for checking accounts?

lostdog wrote:
Sun Jun 10, 2018 5:05 pm
Your local credit union.
I would like to love a credit union. They seem to be oriented more toward borrowers than depositors. I seldom find their rates competitive.
by munemaker
Sun Jun 10, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3233

Re: Best banks for checking accounts?

I like Capital One 360.
by munemaker
Sun Jun 10, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Question about drawing SS while working
Replies: 3
Views: 513

Re: Question about drawing SS while working

I like “immediately”. Getting smaller payments for more years trumps waiting to get larger payments for just a few years before start of spousal. The penalty for claiming early is maintained at the same dollar figure when spousal begins. Since benefit with spousal will be much larger, the penalty f...
by munemaker
Sat Jun 09, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Question about drawing SS while working
Replies: 3
Views: 513

Question about drawing SS while working

Question is about my wife's SS. She works part time and earns about $7,000/year. She has SS earnings for 25 years. Her PIA is $500. She is almost 64 years old and intends to work until age 66. At 69, she will draw spousal on my record (I intend to claim at age 70), so the question is what is best fo...
by munemaker
Sat Jun 09, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3380

Re: Upgrade to SSD for 5-year old desktop?

PFInterest wrote:
Sat Jun 09, 2018 2:01 am
mancich wrote:
Wed Jun 06, 2018 2:27 pm
Any other parts on desktop that tend to die with time? (power supply, motherboard etc)?
All of them.
Due to moving parts, the power supply (fan) and rotating hard drive have higher failure rates than solid state devices such as motherboard and solid state drives.
by munemaker
Sat Jun 09, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6729

Re: General Electric

FedGuy wrote:
Sat Jun 09, 2018 8:29 am
AtlasShrugged? wrote:
Sat Jun 02, 2018 6:05 am
"And you worry about one bad chairman?"
I know several former GE employees who would tell you that GE is on its second consecutive bad chairman.
The perspective of the employee is different than the shareholder.
by munemaker
Fri Jun 08, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10083

Re: Why do we work?

I think to a large degree, our work ethic (or lack thereof) comes from our upbringing.