Search found 2359 matches

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: 664

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: 2707

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: 28
Views: 1318

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: 37
Views: 4098

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: 1068

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: 10122

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: 1035

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: 7649

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: 2338

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: 2097

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: 153
Views: 15007

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: 1671

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: 25798

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: 7783

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: 400

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: 400

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: 4918

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: 2338

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: 2707

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: 4918

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: 1717

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: 2338

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: 2338

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: 1717

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: 1547

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: 1717

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: 153
Views: 15007

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: 1717

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: 1717

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: 4502

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: 4502

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: 22224

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: 4502

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: 153
Views: 15007

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.
by munemaker
Mon Jan 08, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4502

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

We just purchased a new 2017 Honda CR-V. Pay attention to the interval for the transmission fluid change (and rear end fluid if you have AWD) as well. If you change your own oil, you can easily change your own trans fluid on a CRV. Only part of the transmission fluid comes out when it is drained, a...
by munemaker
Mon Jan 08, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can you ever win the game?
Replies: 50
Views: 5134

Re: Can you ever win the game?

Can an investor (not a famously rich person) ever reasonably say, I have won the game and have saved enough money to support myself in retirement for the rest of my life? Moe I believe I have accomplished that, and I am not a famously rich person. My advice...one spouse - stay healthy, continuously...
by munemaker
Mon Jan 08, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4502

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

That's what I suspected. So, if I go to a synthetic with extended life I'm going to have to not mind the Maintenance Minder and put some duct tape over that thing on my display? You're overthinking this. Change the oil according to the maintenance minder, when it's at 15% oil life or below. Use the...
by munemaker
Mon Jan 08, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4502

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

We just purchased a new 2017 Honda CR-V. Pay attention to the interval for the transmission fluid change (and rear end fluid if you have AWD) as well. If you change your own oil, you can easily change your own trans fluid on a CRV. Only part of the transmission fluid comes out when it is drained, a...
by munemaker
Mon Jan 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4502

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

We just purchased a new 2017 Honda CR-V. Pay attention to the interval for the transmission fluid change (and rear end fluid if you have AWD) as well. If you change your own oil, you can easily change your own trans fluid on a CRV. Only part of the transmission fluid comes out when it is drained, a...
by munemaker
Mon Jan 08, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4502

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

My friend who has been a head Mazda mechanic for about 10 years recommends synthetic oil. However, contrary to other posters, he says oil should be changed and tires should be rotated every 5500 miles. Hmmm....now I’m wondering if this guy is my friend?! :oops: That is about the same intervals that...
by munemaker
Mon Jan 08, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4502

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

My friend who has been a head Mazda mechanic for about 10 years recommends synthetic oil. However, contrary to other posters, he says oil should be changed and tires should be rotated every 5500 miles. Hmmm....now I’m wondering if this guy is my friend?! :oops: That is about the same intervals that...
by munemaker
Mon Jan 08, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 72
Views: 4502

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

Just returned from the Honda dealer where first oil change was done on new Honda CRV with the turbo 1.5 engine. The service department said that all oil changes in new vehicles are now specified as full synthetic, and Mobil 1 was used. Cost was about $60 incl filter change. Is full synthetic now th...
by munemaker
Fri Jan 05, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3969

Re: Downsizing to one car in retirement...

My wife only drives her car about 150 miles/ month compared to about 15,000 miles/month on my car. But there is no way we would want to give up one car at this stage. Maybe later on. I have been thinking about buying a sports car, which would be a third car. I don't see how you can maintain an aver...
by munemaker
Fri Jan 05, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3969

Re: Downsizing to one car in retirement...

This is going to vary based on my personal circumstances, and you can't come up with a general guideline. - rural or urban area? - alternative transportation available? - Do you do everything together or have separate activities? I go to lunch with a group of guys and she plays cars with her women f...
by munemaker
Fri Jan 05, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA
Replies: 16
Views: 1229

Re: COBRA

It is usually coverage to the last date of the month worked, so her coverage would be good until the end of February and Cobra would start first of March. I would confirm this in writing with the employer before assuming it is true. At my previous employer (I am retired), benefits stopped the day y...
by munemaker
Fri Jan 05, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7649

Re: Heading for a top?

It seems like you are trying to outsmart the market. Just stay the course and you will do fine.
by munemaker
Thu Jan 04, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3700

Re: Car headlights or Daytime Running Lights - what do you do?

I suppose there is little downside to turning on headlights all the time - There is actually. Unfortunately I can not provide a link to the study, but about 10 years ago it was found that if cars have the DLR on all the time, motorcycles are at HIGHER risk to be hit (again) since it was first for m...
by munemaker
Wed Jan 03, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 4891

Re: Social Security at age 62 perhaps?

So, to steer this back on topic and hopefully address a question of mine... It appears that there are definite benefits, based on our situation it will be considered. Next question...assume she take the benefit and I continue working...how will her benefits be taxed? I read enough to realize there ...
by munemaker
Wed Jan 03, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at age 62 perhaps?
Replies: 57
Views: 4891

Re: Social Security at age 62 perhaps?

Lastly, the new tax law reduces all SS payments using chained CPI for the future. This is a BIG deal, but most people don’t seem to know or care. Do you have a source or a citation for this? I would like to read about it. [OT comments removed by admin LadyGeek] Chained CPI over a few years is nothi...