Search found 3234 matches

by munemaker
Fri Aug 17, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ACA Planning Resources?
Replies: 3
Views: 142

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: 5
Views: 812

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: 834

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: 5
Views: 812

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: 421

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: 421

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: 421

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: 40
Views: 2137

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: 40
Views: 2137

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: 5760

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: 102
Views: 5924

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: 340
Views: 55585

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: 1081

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: 31
Views: 2205

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: 102
Views: 5924

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: 1081

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: 49
Views: 3199

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: 830

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: 1707

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: 102
Views: 5924

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: 1081

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: 530

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: 530

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: 2647

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: 2987

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: 1707

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: 102
Views: 5924

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: 2451

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: 473
Views: 25943

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: 102
Views: 5924

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: 2344

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: 1109

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: 2344

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: 2311

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: 700

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: 2344

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: 1109

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: 14205

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: 340
Views: 55585

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: 14205

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: 2404

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: 4603

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: 14205

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: 115
Views: 7406

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: 5001

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: 2491

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: 63308

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: 6163

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: 4603

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...