Search found 3247 matches

by munemaker
Sat Aug 18, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45199

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

Recently on Clark Howard podcast he discussed the recent Moviepass scam is when you try to cancel without you knowing they sign you up for the new plan and he said about the only way to get out seems to be by disputing with the credit card company. How would Clark possibly know that since this is j...
by munemaker
Sat Aug 18, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45199

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

Recently on Clark Howard podcast he discussed the recent Moviepass scam is when you try to cancel without you knowing they sign you up for the new plan and he said about the only way to get out seems to be by disputing with the credit card company. How would Clark possibly know that since this is j...
by munemaker
Sat Aug 18, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Where to stay in St. Augustine?
Replies: 2
Views: 233

Re: Where to stay in St. Augustine?

Check out Treetop Cottage, Lighthouse Park, St. Augustine on AirBNB. A friend of ours stayed there and highly recommended it. Not sure how far it is from the Amphitheater. We reserved for late November so we can see the Christmas lights in St. Augustine.
by munemaker
Sat Aug 18, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 37
Views: 2597

Re: Credit Card Fraud - $30K

Prokofiev wrote:
Sat Aug 18, 2018 1:22 pm
I do not want to write a $30k check for this!
No way that will happen. You are protected by law.
by munemaker
Sat Aug 18, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 56
Views: 6696

Re: Teachers Who Have Net Worth of $1 million +

My understanding is that in some states, many teachers have million dollar pensions (I am not a teacher). What do you mean - a million dollars per year or the assets necessary to generate the pension payments during the lifetime of the teacher? It is pretty obvious I don't mean $1 million/year. I m...
by munemaker
Sat Aug 18, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 37
Views: 2597

Re: Credit Card Fraud - $30K

BanquetBeer wrote:
Sat Aug 18, 2018 10:17 am
Surprise to me you monitor your credit score more frequently than your account.
Between my wife and I, we have maybe a dozen active credit card accounts. It is a lot easier and quicker to check credit karna weekly than it is to log into each account.
by munemaker
Sat Aug 18, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 37
Views: 2597

Re: Credit Card Fraud - $30K

Sorry to hear about your experience. Sad thing is you will never know the details of what happened because they will never tell you. I had fraudulent charges against a card that was never even activated. I am sure I would not have been able to use this card that was never activated. Yet, they let so...
by munemaker
Sat Aug 18, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 56
Views: 6696

Re: Teachers Who Have Net Worth of $1 million +

In Arizona, for 5 years our schools were on 4 days a week schedule, to cut costs. Many teachers were opposed to the change back -- Who wouldn't like a 4 day work week? I am sure the students loved it too. However, when you think about the mission of public schools, it would seem their education wou...
by munemaker
Sat Aug 18, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 56
Views: 6696

Re: Teachers Who Have Net Worth of $1 million +

My understanding is that in some states, many teachers have million dollar pensions (I am not a teacher). What do you mean - a million dollars per year or the assets necessary to generate the pension payments during the lifetime of the teacher? It is pretty obvious I don't mean $1 million/year. I m...
by munemaker
Sat Aug 18, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 56
Views: 6696

Re: Teachers Who Have Net Worth of $1 million +

My understanding is that in some states, many teachers have million dollar pensions (I am not a teacher).
by munemaker
Fri Aug 17, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 1684

Re: oil pan threads stripped - pan saver okay?

bottlecap wrote:
Fri Aug 17, 2018 6:46 pm
They stripped it, they fix it, no?
Been down that road years ago. They universally blame the previous oil changer.

I have been changing my own for years. Then if something is wrong, I know who to blame.
by munemaker
Fri Aug 17, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 30
Views: 4410

Re: Consumer Reports ?

windaar: I have subscribed to Consumer Reports for may years. In my opinion, it remains, by far, the best independent source of consumer information. Best wishes Taylor I never subscribed but I do buy the auto issue every year. It has a lot of value to me. I do think it used to be better, years ago.
by munemaker
Fri Aug 17, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 49
Views: 4507

Re: Vanguard predicts 10 year equity returns

When do you know you are not in the accumulation phase anymore? When you are working for money and contributing to retirement and savings accounts, building up your social security and possibly pension, you are in the accumulation phase. When you are not working for money, drawing on your social se...
by munemaker
Fri Aug 17, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ACA Planning Resources?
Replies: 5
Views: 418

Re: Help with ACA Planning Resources?

Here are a few sites that helped me: https://www.kff.org/interactive/subsidy-calculator/ https://www.gocurrycracker.com/obamacare-optimization-early-retirement/ https://www.gocurrycracker.com/obamacare-optimization-vs-tax-minimization/ http://www.healthreformbeyondthebasics.org/cost-sharing-charges-...
by munemaker
Fri Aug 17, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: One more reason for Fidelity Visa
Replies: 13
Views: 2309

Re: One more reason for Fidelity Visa

By the time an accident claim is being handled by the back office of the rental car company, the process is long out of the hands of the guy who greets you or handles your rental from behind the counter. So neighborhood outlets may have an edge in forgiving your late returns or in giving you a free...
by munemaker
Fri Aug 17, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 13
Views: 975

Re: Free Tire Change of Flat

I wonder what AAA (or roadside assistance from insurance companies or credit cards, for that matter) does for cars that don't have a spare? My recollection is that perhaps one-third of all new cars don't come with a spare tire. One third? I find that hard to believe. Camry, Accord, F-150, Silverado...
by munemaker
Fri Aug 17, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: One more reason for Fidelity Visa
Replies: 13
Views: 2309

Re: One more reason for Fidelity Visa

I seem to remember seeing a few premium credit cards that will cover loss of use. The catch is they require the rental company to show their rental logs, demonstrating that the car would have been rented out if available. If the utilization of their fleet is low, there would be no loss and they woul...
by munemaker
Fri Aug 17, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Prime mm—> settlement fund for same day trade
Replies: 8
Views: 476

Re: Prime mm—> settlement fund for same day trade

I see. I agree. That is strange. I am wondering though...just because the settlement account does not show the money, you may still be able to buy your equities CD or whatever. Vanguard told me to place the order for CDs even though the settlement account did not show the balance yet. They said they...
by munemaker
Fri Aug 17, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Prime mm—> settlement fund for same day trade
Replies: 8
Views: 476

Re: Prime mm—> settlement fund for same day trade

Is there a way to get money out of prime mm into the settlement fund for same day trade? When I do this, there is a pending sell order but the money is not available. One cumbersome way is to sell prime which would go to bank, then add to settlement fund from my bank. I recently bought brokered CDs...
by munemaker
Fri Aug 17, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Prime mm—> settlement fund for same day trade
Replies: 8
Views: 476

Re: Prime mm—> settlement fund for same day trade

Is there a way to get money out of prime mm into the settlement fund for same day trade? When I do this, there is a pending sell order but the money is not available. One cumbersome way is to sell prime which would go to bank, then add to settlement fund from my bank. I recently bought brokered CDs...
by munemaker
Thu Aug 16, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2626

Re: Sign - Speed checked by Radar

Raymond wrote:
Thu Aug 16, 2018 9:18 am
Maybe a ground radar unit, either fixed in place, or mobile on a trailer.

Or just a state trooper vehicle with a radar unit behind the "Burma Shave" signs ?
or a local yokel behind a tree:

Image
by munemaker
Thu Aug 16, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2626

Re: Sign - Speed checked by Radar

I've always been skeptical of the "speed checked by aircraft" signs, but apparently some departments actually are spending gobs of money on aircraft to issue speeding tickets based on other posts in the thread. Intuitively, enforcing speed from the air would seem to cost more than the revenue they ...
by munemaker
Wed Aug 15, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 5809

Re: Changing Car Cabin Air Filter - after how much time

Geez, did you even read my first post? I recommended inspecting your filters at regular intervals -- whatever interval is suitable for your climate (one year interval works for me) -- and changing them if dirty. I've never found the intervals (even the intervals recommended for severe conditions) t...
by munemaker
Wed Aug 15, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6349

Re: Using ACA for early retirement years

maternity coverage is used BY MEN to cover their wives and unborn children. (Not you, in particular, but men in general). One of use doesn't understand ObamaCare coverage or else we don't understand each other's positions. I am not interested in pursuing it any further here. That's not what this th...
by munemaker
Wed Aug 15, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 341
Views: 55897

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I've put on about 5K miles and have 40% oil life remaining. I have a 2009 CR*V. From experience, my CR*V have 7,200 miles on it by the time the panel showed 40%. Could be difference between our driving conditions, or could be due to a shorter OCI programmed in for the turbo. Not relevant to the dil...
by munemaker
Wed Aug 15, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Why are 1yr Treauries paying more than 1yr brokered CDs?
Replies: 13
Views: 1112

Re: Why are 1yr Treauries paying more than 1yr brokered CDs?

On Vanguard's site, it looked to me like you need to buy >=$100K to get that high rate on the 1 year Treasury, and only >=$10K for the 1 year CD. Right now you can buy the 8/15/19 Treasury Note at at yield of 2.401% in quantity 1. At 100, you can get 2.428%. At 200, you can get 2.439%. (These are l...
by munemaker
Wed Aug 15, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 32
Views: 2423

Re: Discarding dead cell phone without purging my data

Do what I do with old hard disk drives. Beat it to death with a sledge hammer and drop it into a very deep lake.
by munemaker
Wed Aug 15, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6349

Re: Using ACA for early retirement years

However, it I was paying the list price, I would not be happy about some of the seemingly excess coverages. In reading through the lengthy printed policy that was provided to us, it includes maternity benefits, substance abuse benefits and mental health counseling. These benefits are pretty much us...
by munemaker
Wed Aug 15, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Why are 1yr Treauries paying more than 1yr brokered CDs?
Replies: 13
Views: 1112

Re: Why are 1yr Treauries paying more than 1yr brokered CDs?

On Vanguard's site, it looked to me like you need to buy >=$100K to get that high rate on the 1 year Treasury, and only >=$10K for the 1 year CD. Right now you can buy the 8/15/19 Treasury Note at at yield of 2.401% in quantity 1. At 100, you can get 2.428%. At 200, you can get 2.439%. (These are l...
by munemaker
Wed Aug 15, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 57
Views: 4055

Re: Bullish/bearish on GE? Make your case here - new lows today

Betting on loser companies is a fool's game.

This is not investing. It is speculating, or in this case...gambling with the house against you.

Stick to a low cost, diversified equity mutual fund from Vanguard or Fidelty. You will do better in the long run.
by munemaker
Wed Aug 15, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: College grant ( not loans ) eligibilty
Replies: 21
Views: 836

Re: College grant ( not loans ) eligibilty

We had two kids who attended college (not at the same time). My reaction from reviewing the formulas was no way would we qualify any grants and I was not planning to fill out the FASFA. Like you, we were not interested in loans or work study programs. Friends of mine influenced me, saying "You might...
by munemaker
Wed Aug 15, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1746

Re: Mark Cuban bullish on Netflix and Amazon

WanderingDoc wrote:
Wed Aug 15, 2018 1:25 pm
To believe that "we are all on the same page and equal footing" when it comes to investing or any skill in life is absurd. Genetics vary. Informational and analytical advantages vary. Motivation and drive varies. etc.
You seem like someone who may enjoy watching Cramer's nightly show on CNBC.
by munemaker
Wed Aug 15, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6349

Re: Using ACA for early retirement years

As stated above, we are receiving highly subsidized ObamaCare and are very thankful for it. However, if I was paying the list price, I would not be happy about some of the seemingly excess coverages. In reading through the lengthy printed policy that was provided to us, it includes maternity benefit...
by munemaker
Wed Aug 15, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Why are 1yr Treauries paying more than 1yr brokered CDs?
Replies: 13
Views: 1112

Re: Why are 1yr Treauries paying more than 1yr brokered CDs?

Just picked up some Treasuries maturing 8/31/19 yielding 2.45% while the best that can be done for a 1yr brokered CD is 2.3%. Given that this is for a taxable account (state income tax free) and Treasuries are much easier to sell on the secondary market in an emergency than a brokered CD, what is t...
by munemaker
Wed Aug 15, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: What is the minimum to buy Vanguard Brokered C.D's?
Replies: 6
Views: 542

Re: What is the minimum to buy Vanguard Brokered C.D's?

Note that CD will yield less than a treasury bond... Could you please elaborate on this statement? I find that generally 2 years and up, CDs yields are higher than treasuries, the exception being the shorter term CDs. I see why you are confused, by "that CD", I meant that particular 1 year CD which...
by munemaker
Wed Aug 15, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: What is the minimum to buy Vanguard Brokered C.D's?
Replies: 6
Views: 542

Re: What is the minimum to buy Vanguard Brokered C.D's?

jeffyscott wrote:
Wed Aug 15, 2018 9:13 am

Note that CD will yield less than a treasury bond...
Could you please elaborate on this statement? I find that generally 2 years and up, CDs yields are higher than treasuries, the exception being the shorter term CDs.
by munemaker
Wed Aug 15, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Take your canes out in Emerging Markets
Replies: 23
Views: 2724

Re: Take your canes out in Emerging Markets

I don't know what this means.

Is there a question in there somewhere?
by munemaker
Tue Aug 14, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3021

Re: Best consumer products - made in USA

Personally I don't care where products I buy are manufactured or where the company is headquartered. I also do not consider the politics of the company or its ownership in my buying decision. I believe in purchasing the best value products available regardless of where they are made.
by munemaker
Tue Aug 14, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1746

Re: Mark Cuban bullish on Netflix and Amazon

Mark Cuban is bullish on Netflix and Amazon. Does not own Tesla stock. Also, he is holding a tremendous amount of cash (which he stated at least twice). The whole short interview here: https://youtu.be/11kvtuuTvrM Thoughts? Are you keeping cash on the sidelines in case a great opportunity comes alo...
by munemaker
Tue Aug 14, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6349

Re: Using ACA for early retirement years

I always wonder how many people would retire early if health care were not a concern, passing on our well paying jobs to the next generation, instead of hanging onto them until Medicare age, praying we are not subject to age discrimination. With the large number of boomers retiring, these well payi...
by munemaker
Tue Aug 14, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: PersonalCapital.com help
Replies: 22
Views: 2460

Re: PersonalCapital.com help

munemaker wrote:
Fri Jul 14, 2017 12:43 pm

One error it does have is that it assumes your pension adjusts for inflation. If you pension does not adjust for inflation, it overstates the results.
PC now gives you the option to make your pension non-COLA in their model. Previously they erroneously assumed all pensions had COLA.
by munemaker
Tue Aug 14, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 531
Views: 30540

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Recognizing that nobody knows nuttin, forecasts going forward show very low returns domestically and significantly higher returns internationally. If you sell out now, you might be selling at exactly the wrong time.

But who knows? That's why you go with a diversified portfolio.
by munemaker
Tue Aug 14, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6349

Re: Using ACA for early retirement years

We used ObamaCare as a bridge from early retirement continuing through Medicare. I have been on ObamaCare for 2 years and will be on Medicare later this year. DW needs ObamaCare coverage for a while longer. ObamaCare has been a blessing for us. While we have a lot of liquid assets, we arranged them ...
by munemaker
Mon Aug 13, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2372

Re: Decided on Chromebook, now need spec help

^ Weird. That hasn't been my experience. I will frequently have a video streaming, a Google-Sheet open, and a few other tabs with mail, news, and maybe a chat session. That hasn't been my experience either. Chromebooks are designed to run very light on resources. You don't need a high powered proce...
by munemaker
Mon Aug 13, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1118

Re: Where to stay in Key West?

Thanks everyone for the great responses. I'll have to take this up with our group and see how important beaches are to everyone.
by munemaker
Mon Aug 13, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2372

Re: Decided on Chromebook, now need spec help

just read that Google maybe adding Windows 10 functionality to Chrome OS https://www.theverge.com/2018/8/13/17682902/google-windows-10-dual-boot-chromebooks-support-campfire so would plan to get the most RAM and storage (64GB+) you can if that is of interest to anyone. I read that too, but my impre...
by munemaker
Mon Aug 13, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2324

Re: What's the reason you would buy reading glasses at...

WHY would you buy reading glasses ? My eye doctor says I do not need prescription eye glasses. In order to use the computer and read printed material, I need to use reading glasses. It is not about economy. I would buy them if they cost $500. Fortunately they are only a couple dollars at Wal*Mart o...
by munemaker
Mon Aug 13, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: brother laser printer--OEM or 3rd party cartridges
Replies: 13
Views: 701

Re: brother laser printer--OEM or 3rd party cartridges

Our brother network printer (HL-5250DN) is 12 years old and gets light daily use by multiple users on our home network. We have always used aftermarket cartridges and never had a problem. Couldn't be more satisfied with this printer, even if it blows up tomorrow. When it does, I will buy another Bro...
by munemaker
Mon Aug 13, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2372

Re: Decided on Chromebook, now need spec help

Spin 13 will be nice but not as good as the Pixelbook (but definitely cheaper so may be better value). What is the basis for your claim that the Spin 13 will not be as good as the Pixelbook? Not disputing it, but I would be interested in the source. I had read that the Spin 13 with the latest i5 pr...