Search found 179 matches

by njuser
Fri Nov 08, 2019 7:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 81
Views: 9219

Re: Vanguard brokerage account transition

I'm getting more frequent messages about transitioning my account. I was going to do it in January. Is there a deadline?
by njuser
Mon Nov 04, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3829

Re: Wedding gift from brother

Money.

And you could also include something small and sentimental as above.
by njuser
Thu Oct 31, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3229

Re: Halloween Candy - Favorites; Throw it in the Bag

MarkBarb wrote:
Thu Oct 31, 2019 5:01 pm
Oh, and I'm following this thread for financially prudent Halloween candy ideas for next year, so that's why I think this is an actionable topic.
You have to give out the good stuff. The kids know.
by njuser
Thu Oct 31, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3229

Re: Halloween Candy - Favorites; Throw it in the Bag

My wife is handing out Sugar Skull rings, hot cocoa mix, and Slim Jim's (beef jerky). My favorite as a child were the home made popcorn balls. You don't see any home made stuff anymore. My neighbor used to give those out and I went and got one every year but never ate it. This year I gave out full ...
by njuser
Thu Oct 31, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119753

Re: What frugal thing did you do today?

I wonder what percentage of these posts are true. Some are really good.
by njuser
Thu Oct 31, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 153
Views: 12444

Re: Possible Layoff: Need Assurance That We Will Be Okay

Dear OP-

I am an extremely nervous, ultra-saver and I think you are fine.

You should feel great. My husband worries about his job too and I have to keep reminding him that he literally doesn't need to work anymore. It's just that mindset about losing control. You actually have control. Enjoy it.
by njuser
Tue Oct 22, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Billing Question: what's a "long" doctor's visit?
Replies: 25
Views: 2811

Re: Urgent Care Billing Question: what's a "long" doctor's visit?

It's not just a matter of time spent in the room with you; it also depends on additional factors.

google: coding 'routine' office visits.
by njuser
Tue Oct 22, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4089

Re: BCBS wont pay lab bill...

Another thing worth mentioning: my insurance company's website has a page devoted to 'clinical policy bulletins'. These vary by state and list things that the insurance company considers experimental, medically necessary, cosmetic, unproven, etc. It's worthwhile to read through it and look for thing...
by njuser
Tue Oct 22, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4089

Re: BCBS wont pay lab bill...

Insurance denials can be fickle and unpredictable. I don't think doctors know in advance. ----------- Patients need to ask which lab it's being sent to, although I'm not sure if they have any recourse if the doctor sends it to another lab anyway. Something similar recently happened to my son. I wen...
by njuser
Mon Oct 14, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119753

Re: What frugal thing did you do today?

OTOH, here is an un-frugal thing that I did. I am a recreational jogger, meaning 3 times a week, 3 miles each time. I often see fellow joggers in these nice UA or Nike wicking shirts and wondered if they might actually add wings to my back in a hot summer day. I finally gave in and bought one. The ...
by njuser
Wed Oct 02, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7997

Re: First car for child

I'm getting the impression that for bogleheads, it's considered the norm that essentially when one gets old enough to get a driver's license they are provided their own car. Newly licensed, my kids borrowed our old, beat up cars for the most part. I got my oldest his first car (Nissan) so that he c...
by njuser
Wed Oct 02, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4426

Re: Equifax breach settlement update?

JBTX wrote:
Tue Oct 01, 2019 5:24 pm
I don't need anybody else to monitor my frozen credit for free.
Short answer ^^^
by njuser
Wed Oct 02, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 9899

Re: Who has had a pool?

NJ here. Put in an inground pool because husband really wanted it. He still uses it. The kids used it a lot until college years. It's nice to have. Installation was stressful. No matter who your installer is, delays happen, sidewalks and pipes get broken, etc etc. It all works out but you will pay m...
by njuser
Tue Oct 01, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4426

Re: Equifax breach settlement update?

Has this been posted? From ftc.gov "5. I thought I could choose $125 instead of free credit monitoring. What happened? The public response to the settlement has been overwhelming. Because the total amount available for the alternative compensations is $31 million, each person who takes the money opt...
by njuser
Tue Sep 24, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7997

Re: First car for child

oh, they will have accidents. One time son #2 scraped son #1's car that was parked in our own driveway. There were many other various fender benders. We handed down several cars. I would say that the Forester gave us the least amount of trouble: great visibility combined with 4 cylinders. Hard to me...
by njuser
Sun Sep 15, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15302

Re: Best of Bogleheads - your #1 takeaway

There are so many helpful posters here. If I could only read one forum, this would be it. Biggest thing I learned was to understand my risk tolerance, and that it is different for everyone. Also living below our means and being able to tune out the opinions of friends and relatives. That last one is...
by njuser
Tue Sep 10, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4426

Re: Equifax breach settlement update?

My guess: $2.15.
by njuser
Sun Sep 08, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 59
Views: 5015

Re: Equifax: can’t log in

I also like the free freeze/unfreeze feature I have now. I make good use of it.
by njuser
Sat Sep 07, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 59
Views: 5015

Re: Equifax: can’t log in

I got one as well. Looks like they are asking for confirmation of the credit monitoring service. You must have had the service on the date you filed and for six months following submission of claim. I didn't click on anything, either.
by njuser
Thu Aug 15, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Net-worth rule of thumb for house purchase?
Replies: 123
Views: 6295

Re: Net-worth rule of thumb for house purchase?

"The goal of the rule is to make sure that even if the house worth nothing, it would not matter to you. KlangFool" This may be very conservative, but it is the rule I follow as well. I agree it would be hard to follow in a place like NYC or SF, but I would never live in a VHCOL place like that, eith...
by njuser
Wed May 15, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 4027

Re: Chrome or Brushed Nickel

One more vote for chrome. I don't think it ever goes out of style. Previous owner put in brushed nickel and it was very hard to keep clean; replaced it all with chrome. Quick wipe and chrome looks brand new. Also easier to match the finish if you need to replace a single fixture.
by njuser
Wed Mar 20, 2019 11:01 am
Forum: Personal Investments
Topic: IRA excess contribution
Replies: 5
Views: 226

Re: IRA excess contribution

I had an over-contribution for 2018 so I called and asked them to remove it. A week later I went to check and make sure it was complete only to find that they actually removed a 2019 contribution, so now I'm still over the limit for 2018 and have had an amount removed from 2019 that I didn't want r...
by njuser
Wed Mar 20, 2019 10:54 am
Forum: Personal Investments
Topic: IRA excess contribution
Replies: 5
Views: 226

Re: IRA excess contribution

I guess the periodic dividend/capital gains distributions (reinvested to shares) are considered?
by njuser
Wed Mar 20, 2019 10:33 am
Forum: Personal Investments
Topic: IRA excess contribution
Replies: 5
Views: 226

IRA excess contribution

Requested return of a traditional IRA excess contribution from Vanguard. Saw the pending transaction as removing the *entire* 2018 contribution. Called Vanguard and had that corrected (not happy...) However, I now see that while the correct excess was taken out, it shows a separate transaction for a...
by njuser
Tue Nov 27, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7949

Re: Employeer taking vacation days on public holidays - is this legal or normal?

Dottie57 wrote:
Tue Nov 27, 2018 3:30 pm
I have to say the idea of “commission” for a Doctor is frightening as a consumer of healthcare.
Shouldn't be. Do more work hours/cases get more pay. The money has to come from somewhere ie billings.
by njuser
Fri Jul 06, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13850

Re: What time do you get up in the morning?

Dogs = 6am.
by njuser
Fri Jul 06, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 80
Views: 10188

Re: Rodents ate my car!

Had the same problem with a Toyota that had been sitting in my driveway for a few weeks. Turned on the AC and lint came flying out: mice had been making a nest out of the under-carpet material. Replaced the air filter (where the nest was) and a few days later, more evidence of chewing in the new fil...
by njuser
Fri Jun 29, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 20691

Re: New Capital One 360 ACH limits

Have you attempted to call? I've had success 100% of the time... I really don't prefer calling over email. Calling usually entails waiting while terrible background music plays. Or scrolling through prompts. And getting someone on the line who is obviously reading from a script. good afternoon, Ms ...
by njuser
Thu Jun 28, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 20691

Re: New Capital One 360 ACH limits

Hmmmm wrote:
Wed Jun 27, 2018 12:24 am
This time I couldn't find a Live Chat button where the Facebook guy said it would be, so I went back to Facebook and they said in the Hipster talk, "If chat's a no go, give us a call on our secure line and we'll dish the deets". Dish the deets? What is this, high school?
This disturbs me.
by njuser
Tue Jun 26, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 20691

Re: New Capitol One 360 ACH limits

Its been steadily downhill since then, agreed. Its a PIA that simple things like closing accounts is no longer easy. Used to be you just transfer out till its a zero balance and then it closes automatically. That no longer happens. If you search the help for close account you get an old article in ...
by njuser
Thu Feb 08, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 39497

Re: free dinner investing seminar

I would not go to any of those things. I would view it as stealing the cost of the dinner, etc. Someone is inviting you to an informational seminar that is aimed at making them money. They just want you to come and listen to what they have to say, and I'm guessing that they know that the only way t...
by njuser
Thu Feb 08, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 39497

Re: free dinner investing seminar

Got a postcard in the mail. Estates & trusts. FREE dinner!!! Normally I would toss without a thought. Then I look at the date. Feb 14th. Hmmm, why is that familiar? Ohhh, Valentines Day!!! Free dinner on the busiest night of the year for couples? This is either going to be great...or a disaster. I'...
by njuser
Wed Feb 07, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 7985

Re: How to stop mail from former occupants?

I still get a variety of mail on a regular basis from people who lived here 14 years ago.
by njuser
Wed Feb 07, 2018 12:09 pm
Forum: Personal Investments
Topic: market downturn
Replies: 13
Views: 1489

Re: market downturn

The reason I ask is because I often see people asking about asset allocation based on age, but they don't usually give a ballpark portfolio value to go with it.
by njuser
Wed Feb 07, 2018 11:43 am
Forum: Personal Investments
Topic: market downturn
Replies: 13
Views: 1489

Re: market downturn

Should asset allocation change based on the value of the overall portfolio?

Should one keep the same asset allocation whether they have 500k, 1 million, or 3, or 5?
by njuser
Mon Feb 05, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124685

Re: U.S. stocks in freefall

Vanguard is updated for today. ow.
by njuser
Tue Jan 16, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 150
Views: 22700

Re: Who else hates choosing a car?

Folks, I always buy a brand new Nissan Altima. I bought my Third Nissan Altima in 2014. I have 2 Nissan Altima at the moment: 2006 and 2014. So, I have no idea why is it so hard for people to choose a car. I know exactly what I want: the latest Nissan Altima. KlangFool My son has an Altima that is ...
by njuser
Tue Dec 26, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119753

Re: What frugal thing did you do today?

Luckywon wrote:
Sun Dec 24, 2017 1:26 pm
This is yesterday but got an unsolicited mail from a charity with a dime and a penny affixed. Peeled those off and put them in my coin jar.
There are some good posts here, but I'm still giggling over this one.
by njuser
Tue Aug 15, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 14337

Re: Is $9000 too much for a sectional sofa ?

Century furniture is a very good brand but I'm pretty sure that at least once a year they have a 40% off sale. You could also call furniture stores that you shop via internet; they can send you fabric samples before you order. Maybe request a quote first just to see http://www.boyles.com/catalogsear...
by njuser
Wed Apr 12, 2017 5:48 pm
Forum: Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 34884

Re: Wow, Vanguard Flagship service is bad. Really bad.

House Blend wrote: I encourage everyone with a Flagship Rep to see what's on file at FINRA.
https://brokercheck.finra.org/
Thanks!
by njuser
Wed Apr 12, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: DELETE
Replies: 30
Views: 5405

Re: New Home - Design Center Options - making smart choices

I would not do #4, either. I would consider keeping the laminate in the bathrooms, also. The new laminates look pretty good and it's easy enough to replace a bathroom countertop later. Not sure how many recessed lights you are getting, but I have them all over and I wish I could get rid of them. Jus...
by njuser
Fri Mar 31, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 6823

Re: Spring Break Trip to Disney World

If I could give you only one piece of advice it would be: GET TO THE PARKS EARLY Even if you're tired, even if you are hungry (grab a muffin somewhere) etc etc. Get out of bed and get to the park, get your tickets, be ready to go. At Disney you don't even need FP if you are there in the opening 3 ho...
by njuser
Wed Feb 08, 2017 10:51 am
Forum: Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 34884

Re: Wow, Vanguard Flagship service is bad. Really bad.

I always request a phone appointment via the email link. Last year, I had a terrible experience with my Flagship rep (2.5 million account). Not only was my question answered incorrectly, but her 'supervisor', who was supposedly more knowledgeable about my question, confirmed her incorrect answer. I ...
by njuser
Thu Oct 13, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel question
Replies: 44
Views: 4914

Re: Kitchen Remodel question

I remodeled about 7 years ago and put in double wall ovens and kept the microwave on the counter. I would do it again. In all the houses I have looked at, where the microwave is located has never even crossed my mind.
by njuser
Thu Oct 13, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Opinion on home improvement quote
Replies: 28
Views: 2868

Re: Opinion on home improvement quote

I would definitely get a few more quotes. This is a bad time of year to try to start projects because contractors are busy; everyone wants to get done before the holidays. You'll get a lot more interest at the end of December as no one seems to start projects in January (in NJ).
by njuser
Sun Sep 25, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 7907

Re: Would you buy this house in a flood zone? HELP!

I would not buy in a flood zone. This is a fun map I use when I am looking at houses https://www.epa.gov/crwu/coastal-storm-surge-scenarios-water-utilities Just put in the address and it will show you where the water goes. Give it a few seconds as it lags a bit. I have seen some beautiful homes with...
by njuser
Sun Sep 25, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 5256

Re: Stain Our Deck Before Winter - $3,000 or DIY?

I did it myself this year and two years ago. I also used a semi-transparent stain. I had my husband apply the cleaner and then rinse. Then I let it dry for two days. As others have said, dryness is key. Then I applied the stain with a brush and took my time over 2 days. I stopped halfway through bec...
by njuser
Sat Jul 30, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 22615

Re: Car totaled, no collision insurance

I doubt it is unique to my state, although your state may handle it in a particular way. If your car is insured in Colorado, and it is primarily kept/used in another state, I would think the insurance company would need to know as it may be in a different risk category. If you are trying to avoid t...