Search found 3438 matches

by munemaker
Mon Oct 22, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3032

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: 32
Views: 2614

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...
by munemaker
Sun Oct 21, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2845

Re: Why Purchase an Automobile using Premium Gasoline?

If you want to buy a high performance car with a lot of horsepower, you will end up using premium gasoline.

If you have to ask why, then you would not be interested in such cars.
by munemaker
Fri Oct 19, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: Too Much Apple [AAPL] Stock
Replies: 51
Views: 4803

Re: Too Much APPL Stock

My portfolio consistes of approximately 22% of Appl stock. Is this the point to sell some of it? Is there a general rule of thumb for a maximum holding for a individual company? Long ago when I used to own individual stocks, I used 5% maximum. The reasoning behind this was 20 stocks spread over dif...
by munemaker
Thu Oct 18, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4712

Re: When to change tires; and what brand

You can tell when to replace your tires by using a penny as a tire tread depth gage: https://3.bp.blogspot.com/-a8kbk2i0D2s/WUk7bOqeUEI/AAAAAAAAARE/VJlYMBiWA9sECa2dNBGMyWETFBlZQlS7QCLcBGAs/s400/penny-test_usd_gradient.jpg The penny test has been superseded by the quarter test. Tires should be chang...
by munemaker
Thu Oct 18, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4712

Re: When to change tires; and what brand

Curious 1. When do you guys change tires ? I know that tire tread depth is 8/32 mm for a brand new tire and 2/32 mm for a completely bald tire. The tire shops try to scare you into buying new tires even at 5/32 mm. I myself have been buying as soon as they dip below 3/32 mm. I bought a electronic t...
by munemaker
Wed Oct 17, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5344

Re: Maserati Experiences

This should help: (it’s a great read) https://www.craigslist.org/about/best/esh/6324690044.html?lang=en&cc=us Though it does eventually get a happy ending. Doesn't seem likely to sell with that ad. I think of Joe Walsh's song LIFE'S BEEN GOOD: My Maserati does 185 I lost my license now I don't drive
by munemaker
Wed Oct 17, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5344

Re: Maserati Experiences

Maserati is a poor mans Exotic Luxury car, Way behind Ferrari, Bentley, Lamborghini, and Rolls Royce, I believe the best bang for a buck is a Porsche 911, if taken care of maintenance problems are minimal, they have low depreciation and can blend into the landscape. Nova1967 --> It is a long way fr...
by munemaker
Wed Oct 17, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5344

Re: Maserati Experiences

watchnerd wrote:
Tue Oct 16, 2018 11:14 pm

What are Bogleheads collective experiences with Maserati cars?
Bogleheads would buy a Toyota Camry and invest the rest.
by munemaker
Mon Oct 15, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 102
Views: 4635

Re: Long-term Care Insurance

From experience with relatives, the main problem we experienced with LTCI is the rates are not level. The issuers raise the rates dramatically to the point where the insured are tempted to cancel. You think you are buying a policy for X/year, but then it turns out to be 3X/year (or whatever). For s...
by munemaker
Mon Oct 15, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4904

Re: Is it worth filing FAFSA even if you know you'll get nothing?

texasdiver wrote:
Mon Oct 15, 2018 6:41 pm

You can quibble with definitions all you want regarding the difference between a grant and a scholarship.
I find it annoying when people brag about receiving "scholarships" when their only accomplishment is having a low income.
by munemaker
Mon Oct 15, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4904

Re: Is it worth filing FAFSA even if you know you'll get nothing?

Something else to think about, a lot of scholarships require your to be under a certain EFC number. Several actually wanted the SAR report when applying. Is an award that requires financial need really a "scholarship" in the true sense of the word? Having low family income is not really an achievem...
by munemaker
Mon Oct 15, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from ACA to Medicare
Replies: 27
Views: 2767

Re: Switching from ACA to Medicare

While you early retirees kept your income low to take advantage of govt ACA subsidies, I hope you've thought ahead to age 70.5 RMDs and what they will do to your tax bracket while also taking SS at the same time. For those with a lot of money in their TIRAs, the low income years are the best time t...
by munemaker
Mon Oct 15, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3945

Re: How Much Is Your Sewer Bill?

We live in a small town. Water and sewer depend on usage. Ours runs about $25/month each. We also pay for trash removal which is about $19/month. Annoying that they meter the water and charge sewer based on water usage. Of course, all the water does not go down the drain, such as washing a car, wate...
by munemaker
Mon Oct 15, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 6495

Re: Chipmunk problem

I relocated about a dozen earlier in the summer. They were gone, but now more are back. Time to get the Chippee Relocation Program (CRP) i.e. "catch & release" back in gear. Make sure to dye them so if they return, you know who the repeat offenders are :wink: I know a guy who told me he sprayed the...
by munemaker
Mon Oct 15, 2018 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Switching from ACA to Medicare
Replies: 27
Views: 2767

Re: Switching from ACA to Medicare

While you early retirees kept your income low to take advantage of govt ACA subsidies, I hope you've thought ahead to age 70.5 RMDs and what they will do to your tax bracket while also taking SS at the same time. For those with a lot of money in their TIRAs, the low income years are the best time t...
by munemaker
Sun Oct 14, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1840

Re: Buy car cash or take low rate loan

Looking to get a double cab TRD off-road 4x4 with long bed. Can’t seem to find that for anything worth the hassle of buying used. I’ve been burned before with a private sale so unless it’s a screaming deal I shy away. If I could find a good deal on that used truck I would check it out but so far no...
by munemaker
Sun Oct 14, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1840

Re: Buy car cash or take low rate loan

I agree with OP. If you can easily invest the cash for a decent margin do so. I think part of the issue becomes people tend to buy more car on credit then they should I agree too since he is interested in buying a CD. I would not be in favor of using borrowed money to invest in equities or even a b...
by munemaker
Sun Oct 14, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from ACA to Medicare
Replies: 27
Views: 2767

Re: Switching from ACA to Medicare

FBN2014 wrote:
Sun Oct 14, 2018 12:08 pm
Not every doctor or hospital wants to deal with Obamacare so they opt out.
None of that nonsense in our area (Western PA), thank goodness. At least, none that I am aware of.

I do see that here with Medicaid though.
by munemaker
Sun Oct 14, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 6495

Re: Chipmunk problem

I relocated about a dozen earlier in the summer. They were gone, but now more are back. Time to get the Chippee Relocation Program (CRP) i.e. "catch & release" back in gear.
by munemaker
Sun Oct 14, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term Care Insurance
Replies: 102
Views: 4635

Re: Long-term Care Insurance

From experience with relatives, the main problem we experienced with LTCI is the rates are not level. The issuers raise the rates dramatically to the point where the insured are tempted to cancel. You think you are buying a policy for X/year, but then it turns out to be 3X/year (or whatever). One of...
by munemaker
Sun Oct 14, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 224
Views: 17945

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

It seems as if people want a plan of withdrawal that is safe and is not subject to change and that it will last their entire retirement. What I would call set it and forget it. If only there were a financial product people could buy using a fixed amount of money up front that would provide a guaran...
by munemaker
Sat Oct 13, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4904

Re: Is it worth filing FAFSA even if you know you'll get nothing?

Our two children both graduated from universities. From calculators, I knew they/we would not qualify for any free money. A friend of mine said "You might be surprised." So I did submit the FASFA one time for first child's freshman year. I was not surprised. Wished I had never given up our informati...
by munemaker
Fri Oct 12, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 3980

Re: Obamacare premiums will be down an average of 1.5 percent next year

If you are subsidized, the amount you pay goes up and/or down with your MAGI and has absolutely nothing to do with the premium; whether the premium goes up or down is irrelevant.
by munemaker
Fri Oct 12, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9619

Re: What is your annual cost for health insurance?

Blue Cross Blue Shield HDHP Cost: $2700/yr for family of 4 minus a $1000 subsidy put into the HSA (net $1700) Coverage: $1500ind/$3000 family deductible and $3000/$6000 OOP max (all preventative care is free) profession: software program manager at a mid-cap private tech firm I cant tell you the em...
by munemaker
Fri Oct 12, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9619

Re: What is your annual cost for health insurance?

ACA premiums vary by age. The rate for a 64-year old can only be up to 3x the rate for a 21 year old. As stated above, depends on where you live. New York does not permit any use of age as a factor when determining health insurance rates. In fact health insurance premiums in the Empire State cannot...
by munemaker
Thu Oct 11, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4255

Re: New Car: No Collision/Comprehensive?

I keep comp on all my cars. This includes my 9 year old Ford Fusion that's worth less than $3k. Why? Windshield coverage with zero deductible. I do this too...and also for deer hits, of which I have had a few. In PA, insurance companies cannot raise your rates due to collision claims. Comp is inexp...
by munemaker
Wed Oct 10, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8290

Re: When will you backup the truck on stocks

Don't time the market. Stay the course.
by munemaker
Wed Oct 10, 2018 6:02 am
Forum: Personal Finance (Not Investing)
Topic: You're in the Top 1% if you have $2.5 million
Replies: 21
Views: 3414

Re: You're in the Top 1% if you have $2.5 million

Today, in the U.S., if you hold $5,000,000 in investable assets, you might be classified as HNW Smectym Doesn't look right to me. From Investopedia: What Makes a High Net Worth Individual? The most commonly quoted figure for membership in the high net worth club is $1 million in liquid financial as...
by munemaker
Tue Oct 09, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3845

Re: How to get over paper loss?

I find a few brews often help.

:sharebeer :sharebeer
by munemaker
Tue Oct 09, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9619

Re: What is your annual cost for health insurance?

Another option: If you plan ahead and arrange your finances properly, you can qualify for very good, inexpensive health insurance through the ObamaCare exchange. That's what we did. Would you mind sharing how you managed this? Is it because you have low net worth or because you have everything in r...
by munemaker
Tue Oct 09, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 432
Views: 166064

Re: Retiree Portfolio Model

is50xenough wrote:
Tue Oct 09, 2018 10:07 am

Just out of curiously, how do you compare i-ORP and RPM?
i-ORP is a machete. RPM is a scalpel.
by munemaker
Tue Oct 09, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9619

Re: What is your annual cost for health insurance?

As am American, I find this quite depressing. In order to retire and not worry about medical expenses, I've got four options: 1 - Wait until I'm 65 years old to get Medicare -- So much for retiring early. :? 2 - Get a disease state that puts me on Medicare at an early age -- But I don't want to be ...
by munemaker
Tue Oct 09, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9619

Re: What is your annual cost for health insurance?

Insurer: UPMC Annual premium $1,600 (after subsidy of about $18,000) Deductible: $0 (There are co-pays on most things, no co-pay on preventive care) Maximum Out of Pocket: $2,500 Narrow vs. Wide Network: EPO (UPMC only - area's dominant provider) How many? - Married couple Ages: In our early 60s Pro...
by munemaker
Mon Oct 08, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from ACA to Medicare
Replies: 27
Views: 2767

Re: Switching from ACA to Medicare

... it is likely that the spouse on Medicare will experience lower costs. I would not count on that. My wife and I pay a combined $135/month for ObamaCare (2nd lowest cost Silver Plan). When I switch to Medicare on 11/01/2018, she will continue to pay $135/month for ObamaCare (I don't think the Oba...
by munemaker
Mon Oct 08, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from ACA to Medicare
Replies: 27
Views: 2767

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
Sat Oct 06, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 38
Views: 7035

Re: Capital One 360 no beneficiary option

KC123 wrote:
Thu Oct 04, 2018 10:04 am
I have to use the same process that failed the first time.
You don't have to fax. I snail mailed mine. They acknowledged receipt and processing but I would like to see a list of the accounts with the beneficiaries names and SS numbers from them.
by munemaker
Sat Oct 06, 2018 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Value of CD before maturing
Replies: 3
Views: 468

Re: Value of CD before maturing

Did you purchase this CD at a bank or through a broker? From my experience, a brokered CD is marked to market, the monthly statement showing the value it can be sold for on the secondary market. In contrast, the monthly statement for a CD purchased directly from a bank shows the accumulation of inte...
by munemaker
Thu Oct 04, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: google docs and google finance
Replies: 8
Views: 1049

Re: google docs and google finance

sarabayo wrote:
Wed Oct 03, 2018 4:48 pm
inbox788 wrote:
Wed Oct 03, 2018 4:34 pm
Couldn’t you just replace the whole result with “1”?
That is in fact exactly what I do in my own spreadsheet :)
That is what I do too. It never seems to change.
by munemaker
Thu Oct 04, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: How is the ACA penalty calculated for 2018?
Replies: 10
Views: 974

Re: How is the ACA penalty calculated for 2018?

zrzhu111 wrote:
Thu Oct 04, 2018 5:50 pm
Is the penalty going to calculated differently for lack of 5 months or 7 months? Let's assume that person has $60000 income in 2018.
It is explained pretty well here:

https://www.hrblock.com/tax-center/irs/ ... -care-act/
by munemaker
Wed Oct 03, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Current VTSAX / VBILX allocation - where to send more cash?
Replies: 3
Views: 231

Re: Current VTSAX / VBILX allocation - where to send more cash?

37 years old, currently with a Vanguard allocation of 75% VTSAX and 25% VBILX. I have about $10K I'm trying to invest, that is outside of my 6 month cash emergency fund that i'm trying to do something with. Should I just keep dumping into VTSAX and call it a day? What are your thoughts? I would jus...
by munemaker
Wed Oct 03, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5957

Re: What I learned from my roofing saga.

Congrats on a win for the good guys!

I am going to need a new roof in a couple years and am dreading the process...not the cost, but the process.
by munemaker
Tue Oct 02, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Shopping for All Inclusive Vacations
Replies: 6
Views: 1071

Re: Shopping for All Inclusive Vacations

I'm an avid cruiser and have never done an All Inclusive resort. I have two children under the age of 10 along with my spouse. I'm considering branching out to other vacation options. For cruises, I frequent cruisecritic.com and vacationstogo.com. Are there similar sites out there dedicated to all ...
by munemaker
Tue Oct 02, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Switching From Medicare Advantage to Traditional Medicare
Replies: 12
Views: 1336

Re: Switching From Medicare Advantage to Traditional Medicare

My friend is on a Highmark Medicare Advantage plan so, therefore, would be considered "out of network" at the UPMC facilities that he want to be able to access. So his options are to switch to a different Medicare Advantage plan, perhaps with United Healthcare (thru AARP) or, if possible, to go to ...
by munemaker
Tue Oct 02, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2230

Re: Adult kids getting help from parents

Our parents paid for DW's and my educations and we paid for the education of our adult children. We gave them cars and credit cards to use while they were in college, and we paid the bills. We are in great financial shape with much more than we think we will ever need. The kids are now in their 20s ...
by munemaker
Tue Oct 02, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2060

Re: New Laptop setup questions

Hi all. Laptop died, so I now have a new one, Windows 10 pro, removed old SSD and got docking unit so I have all my files transferred at 5 Gig/min instead of slow downloading from my cloud backup. 1) which browser to use: Edge vs my old pal Firefox? 2) which ad blocker? Seems like if I use Edge and...
by munemaker
Mon Oct 01, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14794

Re: Should we stay in Crazytown because there's no where to run?

Namashkar wrote:
Mon Oct 01, 2018 3:42 pm
Toons wrote:
Mon Oct 01, 2018 2:51 pm
Pick an asset allocation.
Stick to it,adjust if necessary,
Ignore everything else.
Go fishing.
:mrgreen:
I love this. :happy
Me too. Says it all.
by munemaker
Sun Sep 30, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: If everybody indexed, the only word you could use is chaos, catastrophe
Replies: 99
Views: 15485

Re: If everybody indexed, the only word you could use is chaos, catastrophe

Everybody doesn't, and everybody won't, so there is nothing to be concerned about.
by munemaker
Sun Sep 30, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3730

Re: First-time victim of credit card fraud

I had credit card fraud on a card I never even activated, let alone used! :confused The card had expired. They sent me a new one but I never bothered to activate it as I wasn't using it. I was told never to closed credit card accounts as it would hurt your credit score. I was pretty surprised to re...
by munemaker
Fri Sep 28, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3004

Re: What to do with cash in the short term?

Jack FFR1846 wrote:
Fri Sep 28, 2018 8:25 am
That's just about the same as the Vanguard fund after the expense ratio is subtracted.
You don't subtract the expense ratio. It is already subtracted when the yield is calculated. For MMF's, don't look at the expense ratio. Look at the yield. Vanguard VMMXX yield is currently 2.15%.