Search found 172 matches

by jerryk68
Mon Aug 19, 2019 8:13 am
Forum: Personal Investments
Topic: 529s: One for family vs. One per kid
Replies: 35
Views: 2367

Re: 529s: One for family vs. One per kid

We have one for each grandchild. As each grandchild gets older their plan gets more conservative. We don't want a newborn in a conservative plan.
by jerryk68
Mon Aug 12, 2019 6:13 am
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 45
Views: 3221

Re: Hearing Aids

The economics of hearing aids are particularly interesting. Unlike virtually every other consumer electronic device the price of HAs has been going up steadily for years, as much as 8%/year. How is this possible? HAs are unique, but not in technology. They use digital signal processors which are wi...
by jerryk68
Tue Aug 06, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can I run TurboTax 2018 without updating?!
Replies: 17
Views: 1088

Re: Can I run TurboTax 2018 without updating?!

Can't you just turn off your WIFI so the program can not seek the update?
by jerryk68
Wed Jul 31, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 3676

Re: VOIP - what do you use?

I'm considering a move to VOIP but am concerned about 911. Has anyone here using VOIP needed to call 911? I have never called 911 and hope that I never have too. I did a lot of research on 911 service when I went with VOIP. I have seen previous posts in other similar threads with people stating the...
by jerryk68
Wed Jul 31, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 3676

Re: VOIP - what do you use?

Well OP you already have possibly best VOIP solution! Are you bragging? :wink: We've also been on GV/Obi for years and have been very pleased. :beer It's interesting to note that our new-construction home didn't even come with traditional phone lines, only internet. The Obi box can plug into any su...
by jerryk68
Mon Jul 29, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 3676

Re: VOIP - what do you use?

When I cut the cord my home phone (Verizon) was tied to my cable service so I ported that number to a T-Mobile account (approx $20) and then ported the number from T-Mobile to Google Voice account (approx $20) using the Obihai 200 (approx $50). There are no monthly charges except the yearly charge f...
by jerryk68
Tue Jul 02, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: how do couples work together on home finance
Replies: 60
Views: 4672

Re: how do couples work together on home finance

I am the CFO, my wife is the CEO. I take care of the details and cash flow etc. She gets to approve the big decisions and strategies on a high level. After hanging out for 20 years, she trusts me not to siphon money off somewhere. I prepare a yearly “state of the household” report. :P +1 I usually ...
by jerryk68
Fri Jun 14, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3742

Re: Do you repair your own appliances?

Research to me is extremely important. I will attempt almost any repair with enough knowledge to complete the job but sometimes you have to know when to walk away. I get satisfaction when the job is done and that the savings were worth it. I recently replaced the coil in an electric water heater kno...
by jerryk68
Wed Jun 05, 2019 12:51 pm
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 42
Views: 4139

Re: June 6, 1944 D Day and General Patton

To say this was the greatest generation is an understatement. My father served under Patton in the 6th Armored Division, 50th Infantry Battalion starting at Utah beach in mid July 44 to the end of the war being the recipient of four bronze stars and two purple hearts. He would not talk about his mil...
by jerryk68
Mon May 13, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1624

Re: Internet speed recommendation

My son has 15/5 and runs one TV and when something else starts using data (phone or tablet) the TV buffers. I had 25/15 and had periodic buffering running two TV's with couple tablets & phones running at the same time but the router was about ten years old. When I cut the cord, I got a new router an...
by jerryk68
Wed May 01, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9921

Re: EXTREMELY frugal things from our parents and grandparents

There were no zip lock bags or aluminum foil in my house growing up and sandwiches were wrapped in wax paper or used food containers like bread wrappers or plastic containers like cool wip. We never ate in restaurants as my parents thought it was a waste of money. We lived in a large city and my par...
by jerryk68
Thu Apr 25, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 174
Views: 21632

Re: Why should FEHB members buy Medicare Part B?

No firsthand knowledge or research, but a longtime friend and federal retiree (under CSRS) researches everything - to the ultimate. You ask him what time it is - and he will tell you how to make a watch! His very extensive research led him to NOT get (and pay for) Medicare Part B. He told me that o...
by jerryk68
Thu Apr 18, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Smoke detectors
Replies: 36
Views: 1908

Re: Smoke detectors

As stated previously, smoke detectors should be changed out every 10 years. The manufacture date is usually stamped on the inside of the detector. Don’t want to get too techie as I am not an expert but there are different types of detectors that detect different types of fires. I understand there ar...
by jerryk68
Tue Apr 16, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Parents added siblings and I to house title, possible to undo without negative consequences?
Replies: 37
Views: 1743

Re: Parents added siblings and I to house title, possible to undo without negative consequences?

My parents did this about 15 years before they both passed away. The only issue was that one brother died about two years before my mother (father died 5 yrs prior) which created a legal problem as his estate was entitled to his share of the proceeds since his name was still on the title. We were lu...
by jerryk68
Thu Apr 04, 2019 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Scholarship trigger Kiddie tax and AMT for kid?
Replies: 14
Views: 1068

Re: Scholarship trigger Kiddie tax and AMT for kid?

My understanding is that scholarships are usually tax free with some exceptions. See appended.

https://www.fastweb.com/financial-aid/a ... s-on-taxes
by jerryk68
Wed Mar 27, 2019 6:01 am
Forum: Personal Consumer Issues
Topic: Are independent garages cheaper than dealer?
Replies: 58
Views: 4443

Re: Are independent garages cheaper than dealer?

The economic rule or some would say law of reciprocity in action. They give you popcorn and then you give them an excessive amount of cash in return.
by jerryk68
Fri Mar 08, 2019 3:45 pm
Forum: Investing - Theory, News & General
Topic: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."
Replies: 64
Views: 7714

Re: "A Couple Doesn't Agree On Financial Priorities. How Can They Resolve Their Differences."

My first marriage ended for non-financial reasons and my wife’s first marriage ended primarily because of financial reasons. Her x-husband liked to live week to week spending everything in his pocket including what he earned next month. She was raised to be frugal and she despised that financial lif...
by jerryk68
Wed Mar 06, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Where to find inexpensive unlocked phone
Replies: 56
Views: 3960

Re: Where to find inexpensive unlocked phone

Thanks everyone for the tips. To summarize, my current iPhone 6S is not unlocked (unfortunately) and I don't think I can simply swap SIM cards temporarily on this work-provided phone, although that would be a very desirable option and I might try to explore this. I will get the phones from my broth...
by jerryk68
Mon Mar 04, 2019 6:01 am
Forum: Personal Consumer Issues
Topic: Where to find inexpensive unlocked phone
Replies: 56
Views: 3960

Re: Where to find inexpensive unlocked phone

Like you, I also wanted to keep my home number by porting same to Google voice thru the Obihai 200 that activated Google Voice. The Obihai is an interface between Google Voice and your ported home phone number making your home phone free of monthly service charges. The Obihai plugs into your home ro...
by jerryk68
Thu Feb 28, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8697

Re: Priority boarding - Why?

I always check my bag. No priority boarding issues for me. I don't care about overhead availability. I just don't want those blue gloved TSA agents going thru my stuff. Those gloves touch a lot of clean/dirty clothes and a lot of other stuff during their shift. I just don't want those gloves touchin...
by jerryk68
Fri Feb 22, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: Do you tip the guys at Home Depot?
Replies: 80
Views: 5222

Re: Do you tip the guys at Home Depot?

A couple months ago I was in Panera Bread and after placing my order, I used a credit card to pay and there was a screen to add a tip. For what? For placing my order or maybe picking up the order myself or for having a clean place to eat my sandwich? Some corporate genius trying guilt me into supple...
by jerryk68
Sat Feb 16, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Parents fell for scam: sent cash -- what now?
Replies: 46
Views: 5301

Re: Parents fell for scam: sent cash -- what now?

Change their phone number. The scammers will call back because they were successful with your parents and will try again. Also report it to the police. You probably won't recover anything but at least if they are caught your parents can be a witness.
by jerryk68
Wed Feb 13, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Cord Cutting- Hulu Live TV Review and Questions
Replies: 40
Views: 3123

Re: Cord Cutting- Hulu Live TV Review and Questions

I also have Hulu and love the sports. I have Verizon FIOS so I might not be much help but I will throw out a few things you might try to help pinpoint the issue. I am not a techie but I did extensive research when I cut the cord. Some people in my household were skeptical of streaming TV but since t...
by jerryk68
Sat Jan 26, 2019 1:52 pm
Forum: Personal Investments
Topic: Helping Kids with Home Purchase
Replies: 77
Views: 6141

Re: Helping Kids with Home Purchase

I would never cosign like someone said it's a red flag. I would just gift the money. You gift $15k to your son & his wife and your spouse does the same. Total $60k. If more is needed then do the same thing next year.
by jerryk68
Fri Jan 18, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 56
Views: 3155

Re: NJ EZ-Pass Why a monthly service fee?

PA transponder user here. Just checked my statement and no listed monthly charge. If my memory recalls correctly when that charge was instituted I switched from NJ to PA just to save that buck. Dollar here, dollar there, sooner or later it adds up to be real money.
by jerryk68
Sun Jan 13, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping collision insurance on auto policy for older car?
Replies: 25
Views: 2235

Re: Dropping collision insurance on auto policy for older car?

I rent cars occasionally and use my personal auto policy to cover collision and comprehensive. If you rent cars, I would check with your insurance company to see if you are covered without collusion on your personal car.
by jerryk68
Sat Jan 05, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2841

Re: Carryon for 7-day FL vacation?

My wife and I usually check one bag between us on most trips. We carry on a laptop and maybe some reading material. I don't want TSA going through our clothes and consider the $50 round trip check baggage fee worth it. TSA agents search many bags during their shift and they usually change their glov...
by jerryk68
Mon Dec 31, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Cable TV renewal
Replies: 32
Views: 2470

Re: Cable TV renewal

When my Fios contract ends, I will probably do the same, but I have a question about video quality. I have gigabit internet, and as a practical matter I usually get at least 40 Mbs at the worst location in my house, using Fast.com to measure. Regardless of the speed, I’ve had some issues. For examp...
by jerryk68
Thu Dec 27, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Child Tax Credit and H&R Block Software 2018
Replies: 9
Views: 735

Re: Child Tax Credit and H&R Block Software 2018

The software is being update sometime next week. I don't know if your issue will be addressed.
by jerryk68
Sat Dec 22, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Veteran Benefits ?
Replies: 11
Views: 1050

Re: Veteran Benefits ?

You probably want to dig up your DD-214, and make a visit to a Veteran's Service Organization. There are people working there that know exactly what your benefits are, and can get the paperwork started. +1. Also check the county where you live to see if there is a Veteran affairs office. I live in ...
by jerryk68
Sat Dec 22, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2725

Re: Expensive Colleges - Investment Worth It

One of my daughters wants to go to a top 10 school, these are 70-95K a year. Because we have saved, and we have 2 in more children already in "affordable" state univerisities (25-35K year each), and 2 more coming up to go to college, I've put a hard cap on 30K/year per child on what I will spend. M...
by jerryk68
Sun Dec 16, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1763

Re: Lottery Tickets

In economics this is know as the Law of Reciprocity. Basically, if you do something nice for me I’ll do something nice for you. I feel obligated to reciprocate. So by you giving me a lottery ticket I feel obligated to give you something, basically a listing if I'm selling my house.
by jerryk68
Sat Dec 15, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5529

Re: How much do you pay for internet only?

A 100 speed is overkill. I have 50/50 using three TV's plus smartphones and a couple computers and have little to no buffering. A friend of mine has 15/5 for one TV and has buffering if another device is in use. The cost is regional and there are deals available. I pay $59.99 but in 18 months it inc...
by jerryk68
Fri Dec 14, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94635

Re: What frugal thing did you do today?

Took a shower with my wife in an effort to save water but it turned into a very long shower. But we did save electricity by burning a candle.
by jerryk68
Thu Dec 13, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 6000

Re: [Anyone drop cable for YouTube TV?]

I would love to switch, but I have two main concerns: 1) I have found streaming sports to vary on quality. I understand there are alot of parts here that could be the cause - my tv, my internet speed, the provider. 2) I want to get MSG and as far as I know it is not available with YTTV or on it's o...
by jerryk68
Tue Dec 11, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Fax without a telephone line
Replies: 23
Views: 2381

Re: Fax without a telephone line

OP, I googled "ooma monthly" cost and got the following: "While Ooma has no direct monthly fee, there are taxes due every month that amount to about $3.50 per month." You can go to Amazon and read the reviewers comments for all this info you want. You may also want to consider a Obihai (called Obi)...
by jerryk68
Tue Dec 11, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1834

Re: Possibly dumb question about streaming services

Never tried Direct TV but I did try Hulu (sports package) and YouTube TV. Hulu and YouTube carry the local TV stations where I live and both are $39.99 a month. I liked YouTube mainly because it had about 60 stations, an easy to navigate plain guide and unlimited DVR storage. Hulu has roughly about...
by jerryk68
Tue Dec 11, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1834

Re: Possibly dumb question about streaming services

Never tried Direct TV but I did try Hulu (sports package) and YouTube TV. Hulu and YouTube carry the local TV stations where I live and both are $39.99 a month. I liked YouTube mainly because it had about 60 stations, an easy to navigate plain guide and unlimited DVR storage. Hulu has roughly about ...
by jerryk68
Mon Dec 03, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: FIOS cost after initial deal ?
Replies: 10
Views: 996

Re: FIOS cost after initial deal ?

100/100 may be overkill. I have internet only with 50/50 speed and that is more than enough for 3 TV's plus a couple laptops for their $59.00 special including taxes & fees. It jumps another $25 in two years when the special runs out. At that time I plan to play them against Comcast. They tried to u...
by jerryk68
Mon Nov 26, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2164

Re: Google Voice, do unused numbers get deleted?

Craigslist. I moved home number to GV also. And setup a business number. I'm curious what process you used to migrate home number to GV. I understand you can only port in from a mobile number. Is there a preferred prepaid mobile service to port your landline to as a (hopefully inexpensive) intermed...
by jerryk68
Sun Nov 25, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2164

Re: Google Voice, do unused numbers get deleted?

If you go to the main page https://voice.google.com/u/0/about and let the intro graphic cycle through, it says, "A free phone number for life." Just out of curiosity, what are folks using your Google voice number for, besides receiving texts? I've heard of some Alexa/Echo users setting up a Google ...
by jerryk68
Fri Oct 26, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 31416

Re: How many of you have cut the cord?

I am curious how many Bogleheads have used Hulu Live TV and their thoughts. I went from FIOS at $259 a month to Hulu Sports Package at $42.30 a month (tax included) for two TV's including everything except the internet which I get from FIOS for $59.99 a month (50/50) for 2 years then it goes up $25...
by jerryk68
Sat Oct 06, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1657

Re: Help identify vine in backyard

I am no plant expert but I use an app on my iphone called picturethis to identify plants thru their leaves. It appears to be a Canada Clearweed latin name Pilea Pumila.
by jerryk68
Sat Sep 22, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Sports fan trying to cut cable
Replies: 11
Views: 1032

Re: Sports fan trying to cut cable

I have Verizon 50/50 which is more than enough with no buffering. When I had 25/15 I had buffering. I have Hulu's sports package and at 5PM last Saturday there were 15 college games on at the same time. OMG I was in Hulu's sports package DVR heaven. I suggest you test drive Hulu with their free week...
by jerryk68
Sat Sep 22, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 7770

Re: My Very First Smartphone — Please Critique This Plan

A related question: my primary email account is with my landline/dsl isp provider. Could I continue to use that email address easily with the phone? Or would I be required to set up a gmail account for use with the android phone? A couple of questions regarding your home service? Do you get your in...
by jerryk68
Fri Sep 21, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 7770

Re: My Very First Smartphone — Please Critique This Plan

A related question: my primary email account is with my landline/dsl isp provider. Could I continue to use that email address easily with the phone? Or would I be required to set up a gmail account for use with the android phone? [/quote] A couple of questions regarding your home service? Do you get...
by jerryk68
Tue Sep 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2408

Re: $180 IPhone SE or $90 Iphone 5S

I need to get a cellphone in the next day. I have narrowed it down to two options: Option 1: $180 Brand New Factory Unlocked Iphone SE, 32 GB. Option 2: $90 Manufacturer Refurbished Iphone 5S, 16GB. Which one is a better value? I won't be using this phone much - it's going to be more like a backup ...
by jerryk68
Wed Sep 12, 2018 5:25 pm
Forum: Personal Investments
Topic: Advice for a 70 year old with windfall
Replies: 7
Views: 1665

Re: Advice for a 70 year old with windfall

My father in law just received a 90k death benefit from his wife's PERS IAP. We are thinking of doing a rollover to a Vanguard Roth IRA. He's 70 years old and would like the funds to continue to grow but also wants access without penalities. He will continue to receive her PERS payouts until he die...
by jerryk68
Mon Sep 10, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 56
Views: 9931

Re: Bored

A married guy with 3 kids and no mention of a “honey do list”. What a lucky guy! I always had a list thru two marriages and when I retired the list got longer. You mentioned that you were handy so busy yourself with other money saving projects like light bulb replacement using LED bulbs or if you ha...
by jerryk68
Thu Sep 06, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 71
Views: 7741

Re: What did you do with your first RMD withdrawal money?

For the last 5 years we have taken about double the required RDM to just under the $170k medicare part B limit where the premium now goes from $134 to $187.50. Most of those funds we give to charity, kids and 529 money for the grandkids. Never thought the market would be this good to us.