Search found 2374 matches

by munemaker
Sun Jan 21, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Benefit of elderly widow transferring home to adult children
Replies: 11
Views: 592

Re: Benefit of elderly widow transferring home to adult children

Katietsu wrote:
Sun Jan 21, 2018 10:40 pm
They could consider an irrevocable trust.
What is the benefit?
by munemaker
Sun Jan 21, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Benefit of elderly widow transferring home to adult children
Replies: 11
Views: 592

Re: Benefit of elderly widow transferring home to adult children

OP here. Thanks for the input. I was looking for benefits and didn't see any. I had not really pondered the downside risks which you guys pointed out. I am going to give the 2 kids (who approached me separately at different times) a strong thumbs down on the idea. I don't think there is anything mal...
by munemaker
Sun Jan 21, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Benefit of elderly widow transferring home to adult children
Replies: 11
Views: 592

Re: Benefit of elderly widow transferring home to adult children

Gill wrote:
Sun Jan 21, 2018 9:50 pm
...how does the mother feel about giving away her house?
Gill
I don't know if this was discussed with her. She is close to her kids, so I don't think she would have a problem with it, but I don't know for sure.
by munemaker
Sun Jan 21, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Benefit of elderly widow transferring home to adult children
Replies: 11
Views: 592

Benefit of elderly widow transferring home to adult children

Some friends of mine asked me about this. Their mom is in her 90s and they want to know if it is beneficial for her to transfer the deed to her home to her adult children. When I asked about the motivation for this, they were not sure, just saying that lots of people in their local area do this. I a...
by munemaker
Sun Jan 21, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 40
Views: 2153

Re: Rent (free at library) or buy books?

I share an Amazon account with some relatives, and we have accumulated a lot of Kindle books over the years...mostly free ones. Since retiring, I have been reading a lot. I belonged to the local (Erie) county library system. I joined the Carnegie library system in Pittsburgh. I had to go to a branch...
by munemaker
Sun Jan 21, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 40
Views: 2987

Re: Google Project Fi - "Device Protection" problem

TimeRunner wrote:
Sun Jan 21, 2018 8:54 pm


I will be giving PF an international test in a couple of months when we head to NZ for a few weeks.
I have used PF in Mexico, Dominican Republic and Jamaica with decent results.
by munemaker
Sun Jan 21, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 40
Views: 2987

Re: Google Project Fi - "Device Protection" problem

OP here with an update. Article was just posted on the Android Police web site, saying that Google is now replacing Nexus 5X phones with the Moto X4 on their dime; I would assume this would be after the $69 deductible is paid. Here's the link: http://www.androidpolice.com/2018/01/21/moto-x4-android-...
by munemaker
Sun Jan 21, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 1922

Re: Medical Appointment Cancellation Policies/Fees

...she canceled the appointment. ... The office notified my daughter that a bill was coming for the cancellation via a voice-mail. Did she cancel by talking to a live person? If so, I wonder why they wouldn't have mentioned the fee when she cancelled? My dentist just started a no-show fee this year...
by munemaker
Fri Jan 19, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 17
Views: 2424

Re: Capital one 360 money market New $500 bonus

I have been using them as my only bank for over a year. Their online program used to be better and for some reason, they went backwards. It is still ok though, so overall I am satisfied. Be forwarded, they do not do TOD accounts.
by munemaker
Fri Jan 19, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3271
Views: 946727

Re: What Movie Have You Recently Watched?

ebrasmus21 wrote:
Thu Jan 18, 2018 12:17 pm

Molly's Game - pretty amazing story. Really enjoyed the story and the acting was great. Jessica isn't exactly tough on the eyes either.
Really good. I agree completely.
by munemaker
Fri Jan 19, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3271
Views: 946727

Re: What Movie Have You Recently Watched?

I saw part of "Call Me by Your Name" tonight. I had to walk out after about an hour. It seemed to be really well done, but I just could not get past a sexual relationship between an adult man and a 17 year old boy, which seemed to be the central story. It received really good reviews and I seem to b...
by munemaker
Fri Jan 19, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3271
Views: 946727

Re: What Movie Have You Recently Watched?

The Shape of Water- a huge disappointment for me, socially charged, and felt random at times for me. Michael Shannon killed it as usual though. I enjoyed The Shape of Water. It was a little out there though and I can understand why some may not like it. Not sure what you mean by "socially charged."
by munemaker
Fri Jan 19, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Forrester
Replies: 34
Views: 1810

Re: Alternatives to Subaru Forrester

PFInterest wrote:
Fri Jan 19, 2018 12:14 pm
CRV. It's the best...
+1
by munemaker
Fri Jan 19, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 360
Views: 57821

Re: What's your one big takeaway from the Crash of 2008?

Two things:
1) Stay the course.
2) Nothing is for sure. In a pinch, the government can break all the rules with impunity.
by munemaker
Fri Jan 19, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3571

Re: I got a Roomba and think you should too

It would be worth having one just to watch the cat ride around on it, like I have seen on TV.

Edit: Apparently this is pretty common.

https://www.youtube.com/watch?v=mk4XB2wZqF4

https://www.youtube.com/watch?v=tLt5rBfNucc
by munemaker
Mon Jan 15, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Can the Schiller P/E ratio be used for tactical allocation?
Replies: 13
Views: 721

Re: Can the Schiller P/E ratio be used for tactical allocation?

OP might be interested in this article that is the result of new research. It is not allocation, but rather withdrawal strategy that utilizes Shiller's CAPE ratio. https://www.caniretireyet.com/the-best-retirement-withdrawal-strategies-digging-deeper/ CAPE Median— This is the simple strategy based o...
by munemaker
Sun Jan 14, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2765

Re: Antarctica [anyone traveled there?]

My wife refuses to vacation anywhere that has "ice" or "artic" in it's name. Is there a Four Seasons there? Some of the ships that cruise there now are much nicer than Four Seasons and she doesn't have to get close to the ice. In the old days when the Prinsendam pioneered cruising there with a Norw...
by munemaker
Sun Jan 14, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 41
Views: 2242

Re: Recommend an A.C. powered auto tire inflator

It appears that my current rechargeable, portable inflator no longer works. I'd like to replace it with a 110v inflator as I'm always doing this in my garage or driveway (dual a.c./d.c. would be a bonus). Can someone recommend a reliable one with an accurate gauge? Typical analog gauges go up to hi...
by munemaker
Sun Jan 14, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4537

Re: Merrill Edge best choice for higher net worth accounts?

indexfundfan wrote:
Sat Jan 13, 2018 10:40 pm
With your assets, Merrill Edge will assign a "Premium Elite Relationship Manager" to you.
That sounds deluxe!
by munemaker
Sun Jan 14, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: where does one buy "health insurance" in the USA?
Replies: 17
Views: 1122

Re: where does one buy "health insurance" in the USA?

Okay, I am a bit livid at the moment, sorry. Spent an hour-plus going through the "ACA Exchange", for my wife. (and this is not the only "one hour" I have spent on this issue of health insurance.) Once I retire -and I'm on Medicare- she will not have any health insurance coverage...and I'd really l...
by munemaker
Sun Jan 14, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 10260

Re: Dave Ramsey's Millionaire Study

Dave Ramsey says he is conducting the largest millionaire study in the country (he wants to get about 10,000 respondents) and intends to publish the results in the next few weeks or months. So kind of like rewriting "The Millionaire Next Door." He has not contacted me yet. I probably will not take ...
by munemaker
Sun Jan 14, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Any negatives to children going on a parents deed via a lady bird deed?
Replies: 8
Views: 1071

Re: Any negatives to children going on a parents deed via a lady bird deed?

My elderly parents live in Florida. They own a small apartment in a community and they would like me and my sibling to go on their deed via a lady bird deed to get some "minor" benefits in the community (i.e., if we are on the deed then we have some additional access to things in the community that...
by munemaker
Sun Jan 14, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7783

Re: Heading for a top?

I know the stay the course mantra, but what interests me about this run is what does the speculation center around? Previous downturns highlighted speculation on the tech sector and other conditions. I'm not seeing wild speculation this time. A run up to tax reform, a pro-business political environ...
by munemaker
Sun Jan 14, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2366

Re: Health Insurance Out of Network question

OP here. Correction for the record: Bill was $380. Insurance paid $340. I pay $40. Previously I said I pay $0. I may have read it wrong (online) but I am pretty sure they changed it (made a correction). EOB shows that the $40 does not count toward co-pay or out of pocket, so that pretty much confirm...
by munemaker
Sun Jan 14, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2161

Re: Do you correct cashier mistakes?

You guys remind me of Honest Abe. People called Abraham Lincoln ‘Honest Abe” because he was so honest. For example, once while working as a store clerk, he mistakenly took six cents too much from a customer. That night after the store closed, he walked three miles to return the customer’s money. DW ...
by munemaker
Sun Jan 14, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18803

Re: Anyone disenchanted with retirement?

I've found myself taking it easy way too much during my days off. I don't get things done as quickly as I used to. Retirement has caused me to be more lazy. TravelforFun I find that in retirement I don't get things done as quickly as I used to, but I think it is the old axiom that the work expands ...
by munemaker
Sun Jan 14, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1714

Re: wireless dead again - router suggestions?

We turn ours off every night and always when we go on vacation. ...These are nasty little phantom loads that can and should be turned off with a power strip when not in use. What is the reason for turning them off? The electrical load of a router is very small, not nasty at all. This reminds me of ...
by munemaker
Fri Jan 12, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 290
Views: 25974

Re: Anyone tired of the stock market going up?

Kind of goes with (1) above: Consumers have more money in their pockets (bonuses, pay increases, tax cuts, stock market, etc.) to spend, propelling the economy.
by munemaker
Fri Jan 12, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7884

Re: Credit card keeps getting hacked, even when unused! (4x now!)

I recently posted about a fraudulent charge on an unused card that was not even activated. I would love to know how these things can happen.
by munemaker
Fri Jan 12, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance, spousal income?
Replies: 7
Views: 418

Re: Health insurance, spousal income?

exit_r wrote:
Fri Jan 12, 2018 5:52 pm

How does one fairly report income?
Presumably they provide some instructions. Lacking any instructions, I would use my imagination in my favor.
by munemaker
Fri Jan 12, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance, spousal income?
Replies: 7
Views: 418

Re: Health insurance, spousal income?

A friend of mine worked for a company where the cost of health insurance was based on income. He was single though, so I don't know how that would work if you were married. I don't know if his employer would have considered the spouse's income. Charging people different prices based on income seems ...
by munemaker
Fri Jan 12, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Buffett on bonds
Replies: 34
Views: 4972

Re: Buffett on bonds

I think the story of Warren Buffett is amazing. That said, his advice is very general to the ordinary investor. I find myself following Jack Bogle's advice more. That said I would not sleep well with no bonds with 90% in stocks and 10% in cash. Best. I thought Buffett advocated 90% stocks and 10% g...
by munemaker
Fri Jan 12, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2366

Re: Health Insurance Out of Network question

OP here with final update: The pathologist claim was finally processed by the insurance company. The pathologist bill was for $380. Insurance paid $340. I pay $0. Presumably he eats the remaining $40. This pathologist made out a lot better than the anesthesiologist, surgeon and facility, who took sh...
by munemaker
Fri Jan 12, 2018 3:53 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2765

Re: Antarctica [anyone traveled there?]

My wife refuses to vacation anywhere that has "ice" or "artic" in it's name. Is there a Four Seasons there?
by munemaker
Thu Jan 11, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Buffett on bonds
Replies: 34
Views: 4972

Re: Buffett on bonds

I think the story of Warren Buffett is amazing. That said, his advice is very general to the ordinary investor. I find myself following Jack Bogle's advice more. That said I would not sleep well with no bonds with 90% in stocks and 10% in cash. Best. I thought Buffett advocated 90% stocks and 10% g...
by munemaker
Wed Jan 10, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1747

Re: retiree health ins - how to propose to Employer?

randomguy wrote:
Wed Jan 10, 2018 2:57 pm

... people on ACA plans might get grandfathered into future plans while people on COBRA have to buy on the open market (i.e. your preexisting conditions will be considered) ...
I guess anything is possible.
by munemaker
Wed Jan 10, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2366

Re: Health Insurance Out of Network question

My health insurance has very good coverage within a network of providers, but no out of network coverage. Recently I had a colonoscopy. Prior to the colonoscopy, I called the insurance company if it would be covered and they said yes it would. I asked about the possibility of out of network doctors...
by munemaker
Wed Jan 10, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2366

Re: Health Insurance Out of Network question

While not perfect, another reminder of the type of problem we almost never encounter with Kaiser -where the insurer and provider are the same"entity" - so there cannot be a fight between the provider and the insurance company. :happy In this case, the insurer and the provider are the same entity to...
by munemaker
Wed Jan 10, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1747

Re: retiree health ins - how to propose to Employer?

If you were the employer would you do this if asked? There is no advantage for them. The employer will do this if asked in order to comply with the law. The advantage to the employer is they will not be sued or fined by the Department of Labor. Did I miss something? It is explained above. If the em...
by munemaker
Wed Jan 10, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: question about VBTLX
Replies: 27
Views: 1585

Re: question about VBTLX

stocknoob4111 wrote:
Wed Jan 10, 2018 12:03 pm
I am looking at VBTLX - Vanguard Total Bond Market fund and noticed that it returned 0.94% last year
Sorry, but according to Morningstar, VBTLX returned 3.57% for 2017. Here's the proof:

http://performance.morningstar.com/fund ... ture=en_US
by munemaker
Tue Jan 09, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1747

Re: retiree health ins - how to propose to Employer?

If you were the employer would you do this if asked? There is no advantage for them. The employer will do this if asked in order to comply with the law. The advantage to the employer is they will not be sued or fined by the Department of Labor. Did I miss something? It is explained above. If the em...
by munemaker
Tue Jan 09, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18803

Re: Anyone disenchanted with retirement?

Working2notWork wrote:
Tue Jan 09, 2018 3:50 pm
As I think about early retirement, would you mind shedding some light on what exactly keeps you busy all day long?
Kind of like the old BTO song:
I love to work at nothing all day.
https://www.youtube.com/watch?v=NCIUf8eYPqA
by munemaker
Tue Jan 09, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1747

Re: retiree health ins - how to propose to Employer?

staythecourse wrote:
Tue Jan 09, 2018 8:15 pm
If you were the employer would you do this if asked? There is no advantage for them.
The employer will do this if asked in order to comply with the law. The advantage to the employer is they will not be sued or fined by the Department of Labor.
by munemaker
Tue Jan 09, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1747

Re: retiree health ins - how to propose to Employer?

I have heard of employers that would allow coverage of a spouse after retirement under COBRA for more than the required 18 months. It is not a matter of employers allowing a spouse to be on COBRA until Medicare age, even if it is longer than 18 months. If the retiree is on Medicare, I believe the e...
by munemaker
Tue Jan 09, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4547

Re: New Honda CRV - first oil change full synthetic?

For those BHs that do oil changes themselves (myself included) or the ones that buy oil at Walmart and take it to the mechanic, this is the best deal I have found over the years: buy the 5 qt jug of Mobil 1 at Walmart when on sale (say 22.88 instead of 25.99). Buy it in the spring or fall when Mobi...
by munemaker
Mon Jan 08, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4547

Re: New Honda CRV - first oil change full synthetic?

I find that 120K miles or 6 years to be too extensive for my view on car care. Actually the CRV maintenance minder comes up with a transmission fluid change about every 30,000 miles. That would be about 18 months for your driving. Much more frequent than your typical car, but like I said above, you...
by munemaker
Mon Jan 08, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22326

Re: Fidelity charges to close accounts!

We are learning that Fidelity has account closing fees of $50.00. So we leave our money in their accounts (earning nothing) and they charge $50.00 for the privilege. Vanguard does not charge for closing retirement accounts, thankfully. A little confused here. If you leave money in the accounts so t...
by munemaker
Mon Jan 08, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4547

Re: New Honda CRV - first oil change full synthetic?

On each transaxle fluid change you get right about 3 qts which is about 1/3rd the system volume. If you do the change at say 60,000 miles and do the fluid change twice or three times (drain / fill / drive = one cycle) it will provide the refresh that you need. You could do that, or alternatively yo...
by munemaker
Mon Jan 08, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18803

Re: Anyone disenchanted with retirement?

tennisplyr wrote:
Mon Jan 08, 2018 4:52 pm
Just hit 7 years in retirement and things seem to be going fast, but well for me. Was wondering if anyone has been disappointed with retirement and maybe went back to work, and went did that hit?
Almost a year in and I am loving it. No plans of looking for a job.