Search found 310 matches

by UncleBen
Wed Aug 05, 2020 6:50 am
Forum: Personal Consumer Issues
Topic: Speed up old computer
Replies: 64
Views: 3247

Re: Speed up old computer

We had some success increasing internet speed with a new router. It's amazing how many devices we have on wifi when you start looking at cellphones, doorbell, tablets, streaming devices, etc.
by UncleBen
Tue Jul 28, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 351
Views: 43921

Re: Don't pay full price for SiriusXM radio

I get $5/month for a year plus a free Amazon echo dot just by going to their website.
by UncleBen
Tue Jul 21, 2020 5:51 am
Forum: Personal Consumer Issues
Topic: Homemade or ultra low cost dish and laundy soap?
Replies: 33
Views: 2019

Re: Homemade or ultra low cost dish and laundy soap?

Dishwashing and laundry for the year at our household of 2 can be accomplished with about $5/month and 5 plastic containers/year. I'm not sure if OP has a larger family or if that cost and environmental impact is acceptable. Honestly, it's such a minor budget component that I can't be bothered to DI...
by UncleBen
Fri Jun 05, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2556

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

Good microfiber cloths work well. Norwex is the cadillac brand sold through home parties at premium prices. E-Cloth is a good quality competitor. I'd recommend the 8 cloth E-cloth cleaning set which has a dusting cloth included. But I'd spring for a Norwex dusting mitt on ebay, it actually makes dus...
by UncleBen
Wed Jun 03, 2020 5:42 pm
Forum: Personal Investments
Topic: Exceeding insurance limit on IRA at NFCU
Replies: 14
Views: 798

Re: Exceeding insurance limit on IRA at NFCU

donall wrote:
Wed Jun 03, 2020 5:09 pm
I would add a beneficiary to increase the insurance limits. After adding the beneficiary, you can adjust the percentage if necessary.
I didn't think you could increase coverage in IRA's with beneficiaries.?
by UncleBen
Wed Jun 03, 2020 5:40 pm
Forum: Personal Investments
Topic: Exceeding insurance limit on IRA at NFCU
Replies: 14
Views: 798

Re: Exceeding insurance limit on IRA at NFCU

I have about $143k space in an add-on 3% IRA CD at NFCU. However, $30k would bring me to the NCUA insurance limit on my IRA at that institution. Would you?: 1. Chance it, and deposit $143k to take advantage of the great rate. 2. Only deposit $30k to bring it up to the $250k limit. 3. Be really cons...
by UncleBen
Wed Jun 03, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11426

Re: The "Best of" for Aldi?

In the first aisle we are fond of their dark chocolate, salsa, and an occasional bag of flax or sweet potato chips and the Nutella dup. Walmart's steel cut oats are name brand and cheaper, they changed the formula on their Cheeri-oats and we had to go back to the name brand at the warehouse. Also, p...
by UncleBen
Wed Jun 03, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11426

Re: The "Best of" for Aldi?

Don't get me wrong I love Aldi, but Aldi checkout cashiers are the slowest thing going. LOL, you're joking right? Slowest of them all? or maybe your Aldi's store is not managed how most that I've been in are. I stated earlier, IMHO, Aldi's is faster than Costco on a per item basis (except for items...
by UncleBen
Wed Jun 03, 2020 12:45 pm
Forum: Personal Investments
Topic: Exceeding insurance limit on IRA at NFCU
Replies: 14
Views: 798

Re: Exceeding insurance limit on IRA at NFCU

I have about $143k space in an add-on 3% IRA CD at NFCU. However, $30k would bring me to the NCUA insurance limit on my IRA at that institution. Would you?: 1. Chance it, and deposit $143k to take advantage of the great rate. 2. Only deposit $30k to bring it up to the $250k limit. 3. Be really cons...
by UncleBen
Wed Jun 03, 2020 7:18 am
Forum: Personal Investments
Topic: Exceeding insurance limit on IRA at NFCU
Replies: 14
Views: 798

Exceeding insurance limit on IRA at NFCU

I have about $143k space in an add-on 3% IRA CD at NFCU. However, $30k would bring me to the NCUA insurance limit on my IRA at that institution. Would you?: 1. Chance it, and deposit $143k to take advantage of the great rate. 2. Only deposit $30k to bring it up to the $250k limit. 3. Be really conse...
by UncleBen
Fri Mar 06, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Computer fix or pruchase or replace?
Replies: 26
Views: 1498

Re: Computer fix or pruchase or replace?

We just repaired my same vintage computer with a $6.99 power jack from Ebay, an hour of time, and a couple of YouTube videos. I recommend you try. We had to disconnect the keyboard in the process and it was not that difficult. If you mess it up you are only out a few dollars. Your part looks like $1...
by UncleBen
Wed Mar 04, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102253

Re: Best CD rates thread

2 new "deals" from Navy Federal CU for those who are eligible: - 17 month 2.25% - 37 month IRA/ESA only 3% Either can be opened for a minimum of $50 and added to up to $75K (17 mo) or $150K (37 mo IRA/ESA) So you could open one now and add to it when/if you have the money later. Membership eligibil...
by UncleBen
Thu Feb 20, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8415

Re: Used car purchase - now dreading it

What does the "certified" paperwork say regarding warranty? I've never bought certified but was under the impression that it offered some additional protection to the buyer.
by UncleBen
Mon Jan 13, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Loan from a Deceased Relative
Replies: 40
Views: 2017

Re: Loan from a Deceased Relative

I'm not lawyer either but as far as I know all that is needed for an enforceable contract is an offer, acceptance, and consideration. All are present here. Signatures and notarization are additional requirements only in circumstances. The friend should pay up if he cannot prove the loan forgiveness.
by UncleBen
Wed Dec 11, 2019 7:35 pm
Forum: Investing - Theory, News & General
Topic: Navy Fed (NFCU) CD Special 3% - 37mos
Replies: 19
Views: 3089

Re: Navy Fed (NFCU) CD Special 3% - 37mos

Andrews has 3% no gimmicks, if you're willing to do 7 years. Other CUs on depositaccounts.com showing for 3 years as well. Looks like 3% is only available for taxable accounts, 2.2% for IRA's. I'm not seeing 3% for 3 years for anything at depositaccounts, hope someone will post with those. Thanks.
by UncleBen
Wed Dec 11, 2019 7:32 pm
Forum: Investing - Theory, News & General
Topic: Navy Fed (NFCU) CD Special 3% - 37mos
Replies: 19
Views: 3089

Re: Navy Fed (NFCU) CD Special 3% - 37mos

NFCU sent me an email today for IRA/ESA only CD rate of 3% for 37 months. Limited time only. $50 to open, contribute any time limit $150K. Must be a member, any veteran is also eligible to join. https://www.navyfederal.org/campaigns/checking-savings/2019/11/37817-certificate-ira-savings-season.php?...
by UncleBen
Wed Nov 27, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 370
Views: 38187

Re: Follow Up: Husband's Surprise Debts

In Feb.alone, we'll have $17k left (minus taxes) to put against the $26k in CC debt. Step by step & one day at a time. You are doing an amazing job at setting up a plan and tackling the budget, income, and taxes. You sound more empowered from your initial post. From just a financial standpoint, it ...
by UncleBen
Fri Nov 22, 2019 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19777

Re: Help: Husband's Surprise Debts

It would be nice if you could do some soul searching and decide if you want to spend the rest of your life with your husband independent of the financial situation. If you want to stay, you can work from there to determine what steps need to be taken to protect your financial future. If you want to ...
by UncleBen
Wed Nov 20, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Vacuum recommendations
Replies: 58
Views: 4131

Re: Vacuum recommendations

Miele Marin. Pricey but beautiful, quiet, good suction, adjustable suction, onboard attachments, lighted powerbrush, lightweight, long cord, smooth cord retraction, quality hose, and a good HEPA filter for those of us who suffer from allergies.
by UncleBen
Sun Aug 25, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 10213

Re: The cost to talk to a doctor

The insurance allowed rate to see my PCP, a PA not a physician is $181. She will not give me blood work in advance and requires a second visit to discuss the results (which I've already seen on the lab portal and are excellent). No one in the office, billing, or main office can tell me what the 2nd...
by UncleBen
Sun Aug 25, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 10213

Re: The cost to talk to a doctor

The insurance allowed rate to see my PCP, a PA not a physician is $181. She will not give me blood work in advance and requires a second visit to discuss the results (which I've already seen on the lab portal and are excellent). No one in the office, billing, or main office can tell me what the 2nd ...
by UncleBen
Sat Aug 10, 2019 4:59 am
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11862

Re: Healthy fast food

My go tos: Chick Fil A, southwestern salad Panera Bread, vegan quinoa bowl or one of their soups + fruit side Noodles and Co, salad Wendys, salad, baked potato Cracker Barrel, lunch special country chicken salad w/baked potato side, beans & greens, 4 choice sides (carefully chosen) any Mexican, chic...
by UncleBen
Sat Aug 10, 2019 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 10395

Re: Pretty much broke --- what would you advise?

As dire as the current situation sounds, it will feel like living in lap of luxury to the surviving spouse when the first spouse passes. At that time, the surviving spouse will need to drain the $50k savings in order to survive and will actually be broke in just a few years. Everyone has mentioned m...
by UncleBen
Thu Jul 25, 2019 6:12 am
Forum: Investing - Theory, News & General
Topic: Financial/Retirement Planning Rules, Ratios & Benchmarks
Replies: 11
Views: 1316

Re: Financial/Retirement Planning Rules, Ratios & Benchmarks

There's an interesting book called "Your Money Ratios" with lots of ratios and benchmarks.
by UncleBen
Fri Dec 14, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CD 40 month 3.75%
Replies: 4
Views: 1051

Re: Navy Federal CD 40 month 3.75%

The certificate appears to be for IRA/ESA investments only and thanks for posting. Yes, good catch. I also wish they had a shorter term special. But the additional deposit feature is nice giving you the option of opening with a small amount and adding on (or not) in the future depending on the inte...
by UncleBen
Fri Dec 14, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CD 40 month 3.75%
Replies: 4
Views: 1051

Navy Federal CD 40 month 3.75%

I haven't seen this posted but Navy Federal has a 40 month, 3.75% CD special. The minimum is $50, the max is $150k.
by UncleBen
Fri Oct 26, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: Teach children to save 10% from day one...?
Replies: 31
Views: 2480

Re: Teach children to save 10% from day one...?

A person who is taught to save 10% and give 10% would be light years ahead of the majority of people. Icing on the cake is if the 10% savings comes from earnings and is stashed into a ROTH IRA.
by UncleBen
Mon Oct 01, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25% [2018]
Replies: 39
Views: 6705

Re: NASA FCU- 15 month CD 3.25%

The 15 month actually went down to 2.75%. Glad we got in last week. We were in a town with a branch and it was quite easy, only requiring a driver's license. However, we did have a closed account from years ago that needed to be reopened. The bank employee couldn't have been more friendly, helpful, ...
by UncleBen
Wed Sep 26, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2384

Re: Acoustic Pianos

I don't think you'll find an 84 key keyboard ;-).

I'm partial to my Yamaha. Kawai would be a second choice.
For an weighted key, 88 key electronic, I have a Kurtzweil PC88.
by UncleBen
Thu Sep 13, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 3143

Re: Anyone into Essential Oils?

DoTerra and Young Liviing are the 2 big MLM companies that sell "the best" and expensive oils. There are many companies that sell high (and sometimes higher) quality oils for much better prices. Very affordable are Eden's Garden and Plant Therapy. Reasonable and highly regarded companies are Rocky M...
by UncleBen
Tue Sep 04, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25% [2018]
Replies: 39
Views: 6705

Re: NASA FCU- 15 month CD 3.25%

Thanks Protagonist! I'm at my limit there but spouse is not.
by UncleBen
Fri Aug 31, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 157
Views: 11620

Re: How do you save money on groceries?

As a 2 person family, part time vegetarians, Marylander who spends $4200/year on groceries including paper goods and cleaning supplies perhaps a few of my tactics would help. 1. Let the sale flyers drive your menu vs. letting your menu drive your shopping list. 2. Pick your stores and shopping strat...
by UncleBen
Wed Aug 22, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Sticky melting Toyota and Lexus dashboards '08-'11 era
Replies: 2
Views: 483

Sticky melting Toyota and Lexus dashboards '08-'11 era

I know there are a few BH Toyota and Lexus fans. If you have an older model with a sticky/melting dashboard you may be covered for a free replacement. Although older vehicles apparently had the issue they told me the extended warranty is only good for 10 years so I'm guessing those with '03-'07's ar...
by UncleBen
Tue Aug 21, 2018 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Giving away donation receipts
Replies: 22
Views: 1771

Re: Giving away donation receipts

IMO, yes it is wrong. The donations do not belong to the family member.
by UncleBen
Mon Aug 13, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 7466

Re: how much car can we afford?

Of course you can afford a $40k car. +1 OP - How is it that you make $300K/yr, have $650K in non-retirement savings, and somehow not know whether you can afford a $40K vehicle? You clearly should know the answer to this question. Of course you can. This. May I ask why you asked the question?
by UncleBen
Mon Aug 13, 2018 5:00 am
Forum: Personal Consumer Issues
Topic: Liability only car insurance and my car destroyed
Replies: 15
Views: 2957

Re: Liability only car insurance and my car destroyed

Good news, the insurer pays to replace the car. Bad news, you are self insured. (Unless there are circumstances that allow compensation from some other party's insurance.)

Hope you are asking for educational purposes. If not, hope you and any passengers are OK.
by UncleBen
Sat Aug 11, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 7456

Re: "Dollar Tree Store" favorites

.....Week old Sunday newspapers if needed for coupons please explain how your local Dollar Tree store is able to give away old Sunday newspapers (or ANY newspaper for that matter) :?: :?: :?: :?: Who said they give them away? They are, wait for it ---------------------------------------------------...
by UncleBen
Thu Aug 09, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 7456

Re: "Dollar Tree Store" favorites

Gift bags. Totally Awesome LA stain remover Comet Klar and Danver liquid hand soap - $6-$7/Amazon Helium balloons Week old Sunday newspapers if needed for coupons Foil sheets Heavy Duty L ziplock storage bags with handles for craft projects/travel Plastic baskets for closet organization Stemless win...
by UncleBen
Mon Jul 30, 2018 7:24 am
Forum: Personal Investments
Topic: Need Help with Mom’s Retirement Income
Replies: 34
Views: 4120

Re: Need Help with Mom’s Retirement Income

When we converted her account is when we realized that she never had a Roth IRA account. :oops: Is it too late now? You cannot contribute to a ROTH IRA if you don't have earned income unless you are married to a spouse that has earned income. [...] 2. Her current tax bracket is 12%. Would it make s...
by UncleBen
Mon Jul 30, 2018 5:56 am
Forum: Personal Investments
Topic: Need Help with Mom’s Retirement Income
Replies: 34
Views: 4120

Re: Need Help with Mom’s Retirement Income

We are seeking guidance for my mom’s retirement and we thank you in advance! We have read the Getting Started and Laura’s Investment planning overview wiki pages. We feel overwhelmed and intimated with all the information; would it be possible to get some help? Mom is retired. 70 years old. RMD sta...
by UncleBen
Sat Jul 28, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Loss Aversion, Happiness, and choices
Replies: 17
Views: 2024

Re: Loss Aversion, Happiness, and choices

What you paid + renovations is not relevant. Your house is worth the market value at the time you list it. We always honestly evaluate the true value based on assessment and area comps, then list it a few thousand under. Our houses have always sold in under 1 week, with multiple offers, at listing p...
by UncleBen
Fri Jul 06, 2018 3:43 am
Forum: Personal Investments
Topic: Can you help me figure out how much emergency fund $ I REALLY need?
Replies: 38
Views: 3459

Re: Can you help me figure out how much emergency fund $ I REALLY need?

Losing your job isn't the only "emergency" your emergency fund would cover. I've seen young, healthy people in various sorts of health crises out of work for a year or more with their significant other working unpaid as their caregiver the whole time. Three months of expenses would be the minimum IM...
by UncleBen
Fri Jun 08, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: To remove coffee tea stain from mug, use QxyClean
Replies: 9
Views: 1234

Re: To remove coffee tea stain from mug, use QxyClean

I use plain old bleach too. And you can transform marked up stoneware plates a bowls with a little scrub of Barkeeper's Friend. One of life's little pleasures - making something look new again ;-).
by UncleBen
Wed Jun 06, 2018 4:35 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 968
Views: 133441

Re: How much money do you want to retire?

How much money do you want to retire?
We don't want any of our money to retire, we want it to keep working so we don't have to :wink: .
by UncleBen
Thu May 31, 2018 4:55 am
Forum: Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4577

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

Yes, you can expect 15% returns for the next 16 years. But be prepare to be disappointed.
by UncleBen
Tue May 22, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 3157

Re: Time For New Car?

I'm with others who are surprised at the amount of repairs you've had to do. In comparison our slightly older '05 Camry with a few more miles (125k) has had the following repairs: Replaced disintegrating rear speaker grill covers I think it they were under $40. The exterior paint looks fine and the ...
by UncleBen
Fri May 11, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: When to replace a car windshield
Replies: 27
Views: 2478

Re: When to replace a car windshield

$200 well spent!
by UncleBen
Wed May 09, 2018 5:28 am
Forum: Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 2311

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

1. Payoff CC's #1, #2, #6 today. 2. Leave the remaining $1400 in your emergency fund. 3. Set your retirement withholdings to the minimum to get your 5% match. Forget about any other retirement savings for the next 2 years. Paying off the CC's is your #1 priority. Your goal should be to payoff the CC...
by UncleBen
Sun May 06, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 28877

Re: most compelling TV character ever

Compelling? Anthony Fremont, Twilight, episode It's a Good Life.