Search found 3225 matches

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: 5647

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: 62
Views: 3760

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: 338
Views: 55034

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: 959

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: 20
Views: 1255

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: 62
Views: 3760

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: 959

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: 32
Views: 1799

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: 757

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: 21
Views: 1592

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: 62
Views: 3760

Re: Using ACA for early retirement years

As stated above, we are receiving highly subsidized ObamaCare and are very thankful for it. 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 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: 959

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: 500

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: 500

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: 20
Views: 1931

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: 2822

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: 21
Views: 1592

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: 62
Views: 3760

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: 2434

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: 281
Views: 17215

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: 62
Views: 3760

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: 35
Views: 2185

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: 1099

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: 35
Views: 2185

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: 2284

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: 686

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: 35
Views: 2185

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...
by munemaker
Mon Aug 13, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1099

Where to stay in Key West?

We have never been to Key West and were thinking of vacationing there with friends in March. There would be 3 adult couples. Ideally we would like to rent a vacation home on the beach (or a close walk) with a pool and preferably 3 master suites. Doesn't have to be in Key West...anyplace in the area....
by munemaker
Sun Aug 12, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 14117

Re: Swedroe's guidelines to Bonds

I prefer TIPS over CDs because I like the dirt cheap inflation insurance. If I am understanding correctly, when inflation is lower than expected, the TIPS will provide a return that is less than the equivalent non-inflation protected treasury security. Is that right? That turned me off a bit on TIP...
by munemaker
Sun Aug 12, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 338
Views: 55034

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

Lugerhead wrote:
Sun Aug 12, 2018 7:00 pm
I bought a new CRV EXL in Nov 2017.
Thanks for posting your experience.
by munemaker
Sun Aug 12, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 14117

Re: Swedroe's guidelines to Bonds

I prefer TIPS over CDs because I like the dirt cheap inflation insurance. I am trying to educate myself on TIPS and am slowing slogging through a book on the subject. If I am understanding correctly, when inflation is lower than expected, the TIPS will provide a return that is less than the equival...
by munemaker
Sun Aug 12, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: RMD's: take distributions vs selling
Replies: 35
Views: 2380

Re: RMD's: take distributions vs selling

Who says you have to sell? Transfer in kind Or if you can't do that, then sell in IRA, no tax cost , take distribution and repurchase in taxable. Haven't sold low at all. I don't understand. Unless you have $$$ already in taxable to cover taxes due, you have to pay FIT (and possibly state/local inc...
by munemaker
Sun Aug 12, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4540

Re: Medicare Supplement Companies

WIth my Medicare Advantage plan (PPOI) I get to argue with Aetna about almost every claim I file. I think those insured by Kaiser Permanente HMO Medicare Advantage plans may be the only ones really happy with their Medicare Advantage insurance. In Western PA, UPMC (University of Pittsburgh Medical ...
by munemaker
Sun Aug 12, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 14117

Re: Swedroe's guidelines to Bonds

Right, and nobody suggesting CDs has suggested exclusively CDs. Chances are for many people with considerable fixed income allocations, not all of it needs to be particularly liquid. I listened to a recent interview with Larry where it sounded to me like he did recommend exclusively CDs for your fi...
by munemaker
Sat Aug 11, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 110
Views: 6766

Re: New layout of vanguard.com

Rager1 wrote:
Sat Aug 11, 2018 12:46 pm
I don't see any changes in our accounts. Everything looks the same.

Ed
Same for me. Just opened the account and the expense ratios all showed as in the past.
by munemaker
Sat Aug 11, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 4982

Re: Preparing for a bear market

If you do a checkup with Vanguard every year and follow their advice, I am sure you will be fine. However, I doubt they would be advising you to shift your assets around based on what you think could happen in the market. Also, your portfolio was at 70% equities which seems to be out of line with yo...
by munemaker
Sat Aug 11, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Diversification with cash held in vanguard money market
Replies: 23
Views: 2479

Re: Diversification with cash held in vanguard money market

That is good to know. Do you know if FDIC refunds all your money when one of the banks it insured goes bust? Up to the limits of the insurance they do. The insurance limits vary depending on whether it is a joint account etc. You can use the FDIC's insurance estimator called EDIE to calculate it ou...
by munemaker
Sat Aug 11, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 63210

Re: Retreat to cash

Reviving this thread to hear of any updates of how this whole endeavor is going. Since November 22, 2016 (when this thread started) total return of Vanguard Total Stock Index Fund Admiral Shares (VTSAX) is up 33%, and $10,000 invested has turned in to $13,307. If we only knew that back in November ...
by munemaker
Sat Aug 11, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 5958

Re: Paper checks yes or no?

I avoid paper checks to the degree possible, but as others have pointed out, times come up when I am forced to write one.
by munemaker
Fri Aug 10, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4540

Re: Medicare Supplement Companies

I am now eligible to sign up for Medicare, which I have done. I spent a lot of time studying the choices, supplements vs Advantage plans. I ultimately settled on an Advantage Plan through UPMC, the dominant provider in our area. The premium is only $20/month (beyond part B). It does have a $750/year...
by munemaker
Fri Aug 10, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 23821

Re: most compelling TV character ever

- Donald Trump on The Apprentice
- Larry Kudlow on The Kudlow Report
- Lieutenant Matt Wozniak on Shades of Blue
- "Moe" Howard of The Three Stooges
- Casey Jean ("C.J.") Parker of Baywatch
by munemaker
Wed Aug 08, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6273

Re: Minivan Vs SUV Experience

People have lived in the large chunks of the midwest and east coast with tons of snow with FWD and RWD for a long time with no problems. I remember years ago, as a teen ager, driving a V8 Camaro in the hills of central PA in the winter. Yes, I did it. Was it a lot of fun? No! Would I ever want to d...
by munemaker
Wed Aug 08, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6273

Re: Minivan Vs SUV Experience

My DW said that if I bought a minivan, she would fill it with bones and make it a house for our dog. Discussion closed. I have seen a number of threads on here where the husband suggests that the family buy a minivan for the wife, and she has no interest in the shame and embarrassment of being seen...
by munemaker
Wed Aug 08, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6273

Re: Minivan Vs SUV Experience

wabbajack wrote:
Wed Aug 08, 2018 3:08 pm

Car and Driver ranks the Volvo XC90 as 4.5 / 5.0 and awards it the editor's choice.
C&D takes paid advertising. CR does not. May or may not be an issue, but advertising income could potentially color reviews and recommendations.
by munemaker
Wed Aug 08, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6273

Re: Minivan Vs SUV Experience

Buy the XC90. It's a fantastic car and your ego will thank you. You already stated that you like one car more than the other, for various reasons. Think about how much time you spend in the car and for what purpose. If 95% of the time you're commuting with 1-4 passengers, the cargo room (and practi...
by munemaker
Wed Aug 08, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 2735

Re: Two voices in my head

Hearing voices
It is estimated that between 5% and 28% of the general population hears voices that other people do not.

... a large number of otherwise healthy individuals have also reported hearing voices.
https://www.mentalhealth.org.uk/a-to-z/h/hearing-voices
by munemaker
Wed Aug 08, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6273

Re: Minivan Vs SUV Experience

Buy the XC90. It's a fantastic car and your ego will thank you. You already stated that you like one car more than the other, for various reasons. Think about how much time you spend in the car and for what purpose. If 95% of the time you're commuting with 1-4 passengers, the cargo room (and practi...
by munemaker
Tue Aug 07, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6273

Re: Minivan Vs SUV Experience

burnout454 wrote:
Tue Aug 07, 2018 11:06 pm
Word of advice to OP: test drive one of the new Chrysler Pacificas, especially a top of the line Limited.

Highly luxurious (for a van) and has tri-sun roof across the whole top, not to mention dual TVs for kids and in-cabin wifi.
No way on tvs for the kids, and they don't need wifi either.
by munemaker
Tue Aug 07, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Where to Hold TIPS?
Replies: 20
Views: 1592

Re: Where to Hold TIPS?

↑Mon Aug 06, 2018 11:14 am A TIPS fund 1099 will show the amount of the distribution that comes from Treasury securites just like a nominal Treasury fund does. Unlike a 1099-INT, a 1099-DIV has no category for income attributable to Treasury securities. Dividends from a TIPS fund will simply be inc...