Search found 261 matches

by KT785
Wed Oct 17, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1298

Re: To replace old Volvo

My Volvo s70 2000, which I had hoped to keep forever, is beginning to require very expensive repairs. I may have to replace it. However, I'm a senior citizen and may not be driving for more than another five years or so. What do you recommend as a safe replacement? I'm a Subaru guy and would recomm...
by KT785
Tue Oct 16, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 12
Views: 879

Re: Pet Insurance company recommendation

Just out of curiosity, what made you folks seek out pet insurance? I was always of the opinion not to insure against things I can afford. Do you envision extremely large vet bills in the future? I sought out pet insurance to address the risk that my dog may need much more expensive medical care in ...
by KT785
Tue Oct 16, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 12
Views: 879

Re: Pet Insurance company recommendation

I am sorry for your loss. It always hurts to lose a beloved pet. Thank you very much for your information. I have done Yelp reviews on both companies, and visited a rating site or two. It may come down to the deductible options offered. With german shepherd dogs, genetic issues such as elbow and hi...
by KT785
Tue Oct 16, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 12
Views: 879

Re: Pet Insurance company recommendation

We have Healthy Paws for our 9 month old Vizsla but haven't filed a claim yet. We lost our 11 year old Lab in March after a year of battling a myriad of illnesses and a suspected brain tumor; while I know we did everything appropriate for her (and moreso) there's still a nagging feeling that we coul...
by KT785
Fri Oct 12, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 55
Views: 8413

Re: Simplisafe Home Security System

Thank you so much for the replies! I honestly will probably just go with entry sensors, one glass sensor, and an extra siren on an accessible window to outside for a child. I just don't want any headaches with false alarms and I don't want anything complicated when we are in "home mode". I am going...
by KT785
Thu Oct 11, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 55
Views: 8413

Re: Simplisafe Home Security System

Hi all, Just reviving this thread to see if there are any updates. Considering this as a simple way to keep my smallish home secure. Mostly just a few entry sensors. A little nervous about false alarms. Thanks! I don't have a SS system but heavily looked into them about a year and a half ago; ultim...
by KT785
Mon Oct 08, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 184
Views: 35068

Re: GEICO auto rates vs. USAA: too good to be true?

Not sure if this is good coverage, but I have had GEICO since 2015 and the price for 6 months has always been close to 500 for 6 months for 2 cars.I have looked at others but the rates were atleast 200 extra in the range of 700 for 6 months for the same coverage. Any comments on the coverage? I'd w...
by KT785
Sun Oct 07, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured Motorist Bodily Injury: Auto Insurance
Replies: 3
Views: 366

Re: Uninsured Motorist Bodily Injury: Auto Insurance

As Wagnerjb described in the thread, for someone who already has good medical, disability, and umbrella insurance . . . Re: umbrella insurance, very few policies are going to provide excess UIM coverage, especially policies from the large carriers (where you likely have your underlying auto/home po...
by KT785
Mon Oct 01, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance without Homeowner's/Rental Insurance
Replies: 7
Views: 645

Re: Umbrella Insurance without Homeowner's/Rental Insurance

You should be able to get a renter’s policy, even if you live with your parents.
by KT785
Tue Sep 25, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 1818

Re: Electric Shaver/Beard Trimmer

I’d been a blade guy since I started shaving but dealt with constant irritation as a result, no matter what I tried. When I graduated from law school and started my career (needed to be clean shaving everyday) my wife got me a Braun Series 7 . . . over the past 5 years it has become one of my favori...
by KT785
Tue Sep 25, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2331

Re: Flu shot reaction? Getting flu shot this year?

I get the shot every year, as does my wife . . . other than a sore bicep for a day or two we don't have any issues.

Quite surprised this thread hasn't been locked thus far . . . . :?
by KT785
Sun Sep 02, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: car buying-subaru outback touring good price?
Replies: 18
Views: 910

Re: car buying-subaru outback touring good price?

Ive been emailing and texting a bunch of dealers in my area. Offered 2019 subaru touring for otd $38.3k Whats your view on this price. Any good? Can i do better? No other dealership nearby will match this or come close. Dont know if that means i need to look farther out. This quote is from a place ...
by KT785
Fri Aug 31, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2910

Re: Best Checking Account?

Prefer a place that has a brick and mortar branch network as I need to go to a branch about once a month. Curious what services you need that necessitate going in to a branch about once a month? When we moved primarily to an online-only bank from Chase a couple years ago, I looked at Ally (since I ...
by KT785
Thu Aug 30, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 4867

Re: Bosch dishwasher odor

My wife and I experienced this in our first rental after college; landlord had just installed a new Bosch dishwasher the week before we moved in and we were the first to use it. Worked great for the first week or two . . . super quiet, efficient, cleaned well. But then we began to notice a putrid, r...
by KT785
Thu Aug 23, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Buying a used Subaru
Replies: 16
Views: 1891

Re: Buying a used Subaru

Subie owner here :D It's my understanding that Subarus (much like Hondas and Toyotas) don't depreciate as much or as fast as other brands and would accordingly be curious to know the cost difference between a used (CPO or otherwise) Subaru vs. new. I'm also of the belief that Subaru owners keep thei...
by KT785
Wed Aug 22, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4383

Re: Suggestions for a Generous Grandparent?

I opted to prepay tuition for all of them equal to the number of hours necessary to earn a 4 year degree from one of our state universities. The difference in ages are accounted for by way of each grandchild's prepaid tuition cost for me to purchase. So you've pre-selected which college your grandk...
by KT785
Sun Aug 19, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: 'Online Banking – School Me’ 2
Replies: 27
Views: 2379

Re: 'Online Banking – School Me’ 2

How do you get the medallion signature guarantee? I'm a Chase customer only by virtue of several of my credit cards but used them for a medallion signature guarantee recently; admittedly, the didn't even ask if I was a Chase customer, I simply said I needed a medallion signature guarantee, provided...
by KT785
Fri Aug 17, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2248

Re: Online Banking - School Me

Depends on what you mean by "online banking account"; I suspect you conduct online backing with NFCU, but they do have brick & mortar locations as well. I'm guessing you're referring to online-only (or nearly online-only. I should have been more clear - yes, online banks with no brick and mortar lo...
by KT785
Fri Aug 17, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2248

Re: Online Banking - School Me

Currently bank with Navy Federal and happy with them. Our savings are making .25% APY (.65% APR on Money Market) and I've seen numerous threads on online banks with excellent rates. On the flip side, I was happy with my financial advisor until I found out about Bogleheads and now wish I made the sw...
by KT785
Fri Aug 17, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10709

Re: Take auto loan 0.9% if I can afford cash?

When you make decision to buy a new car, it really doesn't matter if you pay cash or take on loan. Any money you would save when you take on a loan is immaterial to the money you would save if you choose to buy an used car. It's purely a personal consumption decision at this point. It's way past th...
by KT785
Thu Aug 16, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10709

Re: Take auto loan 0.9% if I can afford cash?

But that $167 /year for three years is a small price to pay for the good feeling one gets from writing a check to buy a car outright. There are many of us, perhaps a disproportionate number amongst Bogleheads, that eschew the short term emotional "good feeling" for the logical, quantifiable financi...
by KT785
Thu Aug 16, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6196

Re: Savings rate per month???

Married, both 30, no kids (yet). I calculate our savings rate on a gross household (pre-tax), annual basis: 25-27% split between our 401ks and Roth IRAs. We both get a small ($1,200 per person) employer contribution to our 401ks--factored into the savings rate--since our employer also provides a we...
by KT785
Thu Aug 16, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10709

Re: Take auto loan 0.9% if I can afford cash?

basspond wrote:
Thu Aug 16, 2018 3:39 pm
What are the guaranteed benefits of taking a loan? Only thing I can think of is to have more cash on hand to spend on more things. Pay with cash and enjoy life without being subject to the lender.
. . . . you could save/invest the cash on hand instead of simply spending it.
by KT785
Thu Aug 16, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3181

Re: Celebrating the day you retired

Slapshot wrote:
Thu Aug 16, 2018 2:54 pm
. . . we remember that day with fondness.
Given the day's events, I'm surprised you could recall much at all :D
by KT785
Thu Aug 16, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10709

Re: Take auto loan 0.9% if I can afford cash?

Are you buying full coverage insurance regardless of paying cash or taking loan? If you pay cash, you can save a lot with liability insurance. How will paying cash save you anything on liability insurance? I've never heard of such a thing. :confused My *guess* is that its not so much paying cash bu...
by KT785
Thu Aug 16, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Contemplating moving to Vanguard
Replies: 10
Views: 650

Re: Contemplating moving to Vanguard

Thank you both for your feedback. Currently leaning toward establishing Vanguard Admiral funds (VTSAX, VTIAX, and VBTLX - ERs of .04, .11, and .05) and moving all the Ameriprise assets to those funds. I've discussed this with the Ameriprise advisor. His quoted fee-only price going forward is $1100 ...
by KT785
Thu Aug 16, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6196

Re: Savings rate per month???

Married, both 30, no kids (yet). I calculate our savings rate on a gross household (pre-tax), annual basis: 25-27% split between our 401ks and Roth IRAs. We both get a small ($1,200 per person) employer contribution to our 401ks--factored into the savings rate--since our employer also provides a wel...
by KT785
Thu Aug 16, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10709

Re: Take auto loan 0.9% if I can afford cash?

I would . . . and did back in late 2016 when I bought my Subaru Outback. Make sure you understand the terms of the loan (no pre-payment penalty, etc.) but if the loan rate is lower than what you'd easily earn on a FDIC (or NCUA) insured account (let alone a bond fund), I'd rather keep my cash worki...
by KT785
Wed Aug 15, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10709

Re: Take auto loan 0.9% if I can afford cash?

I would . . . and did back in late 2016 when I bought my Subaru Outback. Make sure you understand the terms of the loan (no pre-payment penalty, etc.) but if the loan rate is lower than what you'd easily earn on a FDIC (or NCUA) insured account (let alone a bond fund), I'd rather keep my cash workin...
by KT785
Mon Aug 13, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance student debt
Replies: 8
Views: 696

Re: Refinance student debt

I refinanced with PenFed a little over a year ago--they offered the best rate at the time based on my loan amount and degree type (law degree). I cross-shopped SoFi and several others but PenFed seemed better suited to those refinancing lower amounts (relatively speaking compared with med school gra...
by KT785
Wed Aug 08, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

Apparently it's a targeted offering because I've looked at it on the standard website without logging in and see the lower 40k offer. My guess is they are tying my United FF # to my business expense account. Oddly the offer is different depending upon the device I'm on. For example through the app ...
by KT785
Tue Aug 07, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Premium Financed Indexed Life Insurance Policies
Replies: 14
Views: 914

Re: Premium Financed Indexed Life Insurance Policies

There are exceptions, but generally umbrella insurance is sold in conjunction with auto/homeowners insurance. RLI is one company that sells umbrellas to folks who insure their property and autos at other companies. Like most, I have my umbrella policy with the same carrier that writes my home and a...
by KT785
Tue Aug 07, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

I'm not a big fan of Airline or Hotel specific cards (though I have had several for churning purposes) as it limits your flexibility. Depending on your goals, the Chase trifecta could be an effective path for earning points (to convert to miles) with nice perks and limited effort on an ongoing basi...
by KT785
Tue Aug 07, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

Yea, hitting the $3k in 3 months would not be an issue with normal expenses. If you can swing $4,000 in 3 months, you could hit the CSR minimum spend; add an additional $1,000 ($500 each) if you added the Freedom and Freedom Unlimited . . . assuming you don't already have those cards. You could net...
by KT785
Tue Aug 07, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

Yea, hitting the $3k in 3 months would not be an issue with normal expenses. If you can swing $4,000 in 3 months, you could hit the CSR minimum spend; add an additional $1,000 ($500 each) if you added the Freedom and Freedom Unlimited . . . assuming you don't already have those cards. You could net...
by KT785
Tue Aug 07, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

May be helpful to know which airports you frequent . . . other cards (AMEX Platinum, Chase Sapphire Reserve, etc.) provide better lounge access though it wouldn't be in United lounges. Also, to confirm, are you booking all business travel arrangements for yourself and getting reimbursed? AMEX Plati...
by KT785
Tue Aug 07, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2169

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

May be helpful to know which airports you frequent . . . other cards (AMEX Platinum, Chase Sapphire Reserve, etc.) provide better lounge access though it wouldn't be in United lounges. Also, to confirm, are you booking all business travel arrangements for yourself and getting reimbursed? AMEX Platin...
by KT785
Mon Aug 06, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: What are the Vanguard index trusts?
Replies: 3
Views: 429

Re: What are the Vanguard index trusts?

Search collective investment trusts. The specific products you mentioned are almost exclusively for large institutions and I believe the only way an individual investor could access this product is through their companies 401k plan. I would think of this as one level below institutional plus. You c...
by KT785
Fri Aug 03, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4911

Re: Which diet soda pop do you enjoy?

I'm pretty content with Diet Coke or Diet Dr. Pepper (preferably from a soda fountain) but my absolute favorite is Diet 7Up . . . I'll happily drink it at room temperature if need be. :D Also, when my wife and I visit a fast-casual restaurant with one of those Coca-Cola Freestyle machines, I really ...
by KT785
Thu Aug 02, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 49520

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Thought I'd add a data point as I just bought a Honda HRX217 and took delivery yesterday; keep in mind my comments are after one mowing with a brand new mower and blades . . . . this thing has and INCREDIBLE cut and mulching performance. :D I mowed my very thick KBG/Fescue/Rye mix yard at 3 inches a...
by KT785
Wed Aug 01, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73771

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

. . . . . Although I am not sure how Vanguard can respond to this based on their business structure. I am sure Schwab and Ishares will be able to respond. Lowering the minimum investment would be a start . . . it's hard to refer some people to Vanguard as opposed to Schwab/Fidelity when they want t...
by KT785
Fri Jul 27, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Crabgrass weed killer
Replies: 16
Views: 1390

Re: Crabgrass weed killer

Are you referring to the dark green, usually round patches of smooth/shiny grass? That is my understanding of crabgrass. If those show up, I try to yank them out and re-seed unless they are too big. They are a pain. I think you're perhaps thinking of clumping fescue, not crabgrass; though you're co...
by KT785
Thu Jul 26, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 49520

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Quite fortuitous that this thread re-surfaced this week :D I'm a devotee to Allyn Hane (The Lawn Care Nut on YouTube) and am rather obsessed with my lawn. After mowing the yard yesterday (complete with lawn stripes :mrgreen:) I casually mentioned to my wife that my mower is abnormally hard to push, ...
by KT785
Thu Jul 26, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1414

Re: disposable cell phone

For only two days, I suspect it's cheaper to use your (presumably USA) phone plan. Wife and I traveled to Germany in April/May and used Verizon's "Travel Pass" on our account which costs $10 per day per line to use our phones as we would at home (same phone/data package); it's $5 per device per day ...
by KT785
Tue Jul 24, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best Banks 2018
Replies: 15
Views: 2064

Re: Best Banks 2018

We switched to State Farm Bank a couple years ago for checking and we also have accounts at Ally (E-fund). State Farm Bank has unlimited ATM fee reimbursement, including international, and you can also deposit cash/checks at ATMs. The mobile app is good enough (mobile deposits are quick, etc.), thou...
by KT785
Sat Jul 21, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Premiums on Credit Card
Replies: 12
Views: 958

Re: Life Insurance Premiums on Credit Card

I have term life through Prudential and the only options are ACH or check I believe; I know CC was not an option, even for the initial payment. I used to have a policy with American General (AIG), and my wife still does, and they do take CC for the initial payment, but not subsequent premiums. (Also...
by KT785
Fri Jul 20, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 958

Re: State Farm - safe driving discount ??

I’m personally fine with insurance companies having better information with which to more accurately price risk, those of us who drive safely will benefit. It's not, per se, the availability of certain data for more accurate insurance underwriting that bothers me. It's moreso the potential for this...
by KT785
Fri Jul 20, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 2167

Re: High school graduation monetary gift for nephew

I don’t have a recommendation on amount, but wanted to raise an alternative I’m planning for my nephew when he graduates in two years: helping him open a Roth IRA and providing some initial funds. This would certainly depend on if he’s had some applicable earned income to qualify, but I wish someone...
by KT785
Fri Jul 20, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: State Farm - safe driving discount ??
Replies: 21
Views: 958

Re: State Farm - safe driving discount ??

OP, my wife and I are enrolled in the Drive Safe and Save program through State Farm (and have been for several years) and save around $400 a year as a result between both cars (and our annual mileage is a little higher than yours). I think the main factor driving the discount is the mileage but, pe...
by KT785
Thu Jul 19, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1746

Re: sams club - new member

I hate to be one of those people but sams is a dump compared to costco. The quality of products is inferior. I find that Sams has very few "healthy" items. Costco is a much neater store, caters to higher class people. Sams doesnt sell Kale, coconut oil, chai seeds. But what they do have is 2 huge i...