Search found 746 matches

by Broken Man 1999
Mon Oct 23, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: What can I do? was given wrong price on insurance and now told I can’t cancel.
Replies: 11
Views: 674

Re: What should I do? was given wrong price on insurance am now told it’s not csncelable.

Many (most) insurance policies give you a period of time for you to examine the policy.

Did you examine the policy?

Also, what type of insurance is it?

Is it non-cancellable, or does it cost you money to cancel?

Give more details, please!

Broken Man 1999
by Broken Man 1999
Mon Oct 23, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Best way to pay for part-time care for grandfather?
Replies: 12
Views: 616

Re: Best way to pay for part-time care for grandfather?

If a HELOC doesn't work out, A reverse mortgage might be just the thing. A reverse mortgage might mess up inheritances, but he would certainly have the $$$ to help with an aide for several hours a day. Any way for your father and uncle to kick in the necessary $$$ without your grandfather taking out...
by Broken Man 1999
Mon Oct 23, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Helping college costs of grandchildren
Replies: 37
Views: 2073

Re: Helping college costs of grandchildren

Wife and I have purchased prepaid tuition plans for all four grandchildren, two from each daughter, so OP's issue isn't present in our situation. However, I wouldn't attempt to keep the gifts equal in OP's case. The gift is given to the grandchild, not the parents of the child. I believe in keeping ...
by Broken Man 1999
Sun Oct 22, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2328

Re: how often to upgrade phone?

Wife and I upgraded to Samsung Galaxy S5 phones when the S6 models were released. My old Samsung Galaxy S3 is used to play music. Unfortunately both our S5 phones have cracked screens, as well wife's phone needs a new battery. Next week we will have screens replaced and new batteries installed for $...
by Broken Man 1999
Sat Oct 21, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for financial aid if my company reimburses tuition?
Replies: 10
Views: 746

Re: Should I apply for financial aid if my company reimburses tuition?

My employer paid tuition and books 100% if A or B earned, otherwise 75% for undergraduate degree. For graduate degree it was 75% of tuition only. Still a darn good deal for employees. If a perk is offered, use it. The nice thing about employers paying for this perk is if the company is like mine was...
by Broken Man 1999
Fri Oct 20, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4852

Re: I have to fire someone that I care about personally

Is it her looks or stage presence/voice? I could name lots of members of bands who are butt-ugly, men and women. As well, single performers who wouldn't be judged very highly in the looks department, yet are wildly successful. Hopefully you all have given more weight to her skills than her looks. Tr...
by Broken Man 1999
Fri Oct 20, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 24
Views: 1430

Re: Brick Chimney Issues

OP: ".......... I thought I had read that fireplaces actually suck beat out of the house by creating an airflow from the fireplace up the chimney. For me personally it just isn’t worth the hassle of going and getting wood and then cleaning up the mess. We already create plenty of our own messes. ......
by Broken Man 1999
Thu Oct 19, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 24
Views: 1430

Re: Brick Chimney Issues

During a home insulation project, I had the contractors remove my fireplace. Like you, I never used it and it let in cold air, so they just knocked everything out, took out the metal chimney, and covered everything up with new wall, ceiling, and carpet, giving me more room, quiet, and warmth. While...
by Broken Man 1999
Wed Oct 18, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Commas, Seven Figure
Replies: 19
Views: 3177

Re: 2 Commas, Seven Figure

Good for you! Our "two comma" milestone came, then left, then came again. IOW, what Mr. Market gives, Mr. Market can take away. :( Hopefully we are high enough not to slip under the two comma milestone when the correction comes, whenever that might be. Celebrate, enjoy the moment. Then get back to w...
by Broken Man 1999
Wed Oct 18, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Brick Chimney Issues
Replies: 24
Views: 1430

Re: Brick Chimney Issues

It is definitely solid brick. I went up there are felt it. Brick veneer is also solid brick only thin. You wouldn't be able to tell just by touch. They also make corner brick veneers so that it looks like a real brick wrapping around the corner. About the only way one could tell would to look at th...
by Broken Man 1999
Tue Oct 17, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help picking apart whole life insurance cash value
Replies: 39
Views: 1590

Re: Help picking apart whole life insurance cash value

I'll steal one of Stan The Annuity Man's oft-repeated gems: Buy your annuity whole life insurance for what it WILL do, not what it MIGHT do.

If it isn't in the contract, it most likely won't happen. IOW, projections don't mean squat.

Broken Man 1999
by Broken Man 1999
Mon Oct 16, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4253

Re: Amazon Prime - Decline in Delivery Service?

Decline? Nada...If anything,, Service has gotten better. :happy Better for me. I have enjoyed a couple of same day deliveries. I am within 50 miles of TWO Amazon distribution warehouses, so my deliveries are great. I've noticed Amazon has expanded their delivery fleet, as I see the white Sprinter v...
by Broken Man 1999
Sun Oct 15, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 6642

Re: How does everyone keep track of your portfolio?

We moved everything to Vanguard. It is all there when I log in. Same. I have a few outside accounts that I entered into Vanguard. All I really need is the 50,000 ft view. Same here, also. Our entire portfolio, including the savings bonds I manually value each month via Savings Bond Wizard and updat...
by Broken Man 1999
Sat Oct 14, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Another Job Offer Dilemma
Replies: 13
Views: 1591

Re: Another Job Offer Dilemma

I would go with Offer #2, as your commute is time you cannot use for other activities, so a short commute trumps a longer commute for me. Plus the starting salary is higher. As well, a longer learning curve means two things: You will be challenged (it sounds as though you need to be), and you will b...
by Broken Man 1999
Fri Oct 13, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7070

Re: How many miles/years do you keep your car?

I don't really have any rules - except I never trade anything in. We currently have a... 2001 Chevy Silverado 3500 Dually, Duramax Diesel. I just purchased it about 3 months ago for a really good deal. It has 144k miles on it. Still looks excellent inside and out and is in great mechanical shape. 2...
by Broken Man 1999
Thu Oct 12, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2598

Re: Social Security Card - Should I get a Replacement

My SS card is still attached to the other half of the document. I have never shown it to any employer, or even to the SS office when I was seeking best strategy for wife and I to collect SS. I had a card at a young age because my father paid my brother and I to work in his citrus groves. Broken Man ...
by Broken Man 1999
Mon Oct 09, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 1687

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

I think I would take a couple of weeks at birth of baby, then take another couple of weeks after a couple of months, then another couple of weeks, IOW, stagger the time off. One reason is you will be able to observe more growth activities than spending all 12 weeks at birth. Near a year old you will...
by Broken Man 1999
Sat Oct 07, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3325

Re: Cash in a local bank or credit union

I keep $2500 at TD Bank so that I can get free ATM withdrawals, write checks without worrying about someone draining my primary account of $13,000 (if the account needs to be frozen and/or closed, no problem), and for random things that are more efficient in person. Like depositing cash, getting ca...
by Broken Man 1999
Sat Oct 07, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Costco kitchen Cabinets and design service....
Replies: 4
Views: 988

Re: Costco kitchen Cabinets and design service....

As a serious woodworker who has done many custom cabinet jobs I always tell people that 50% of a cabinet's quality is in the hinges and drawer slides. If the hardware is Grasse, Blum, or Havle and the cabinet boxes are 3/4" you are off to a good start. I noticed you made a "particle board" comment ...
by Broken Man 1999
Sat Oct 07, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2429

Re: How many money accounts do you have? And how do you Keep track of them?

Use a password manager. Carefully describe every account in the password manager (because you might multiple of some). This!! I don't know if everyone realizes how easy it is to manage online accounts with a password manager. Banking: All at a credit union first joined in August of 1973. His checki...
by Broken Man 1999
Sat Oct 07, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9255

Re: Senior citizens can lose everything [to professional guardians via court rulings]

Has anyone found a web site that lists the protections and problems in each state? I live in Georgia. My brother lives in California. How do we find out the protections and dangers in our states? google "guardian + your state + statutes". Worked for me when I wanted to find Florida's statutes conce...
by Broken Man 1999
Fri Oct 06, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Costco kitchen Cabinets and design service....
Replies: 4
Views: 988

Costco kitchen Cabinets and design service....

We are starting the process of doing a bit of remodeling of our home, largest portion is kitchen. I have noticed that Costco has a design group and sells a line of real wood cabinets, not particle board that seems to be in certain lines. Given our satisfaction thus far with Costco's products, includ...
by Broken Man 1999
Thu Oct 05, 2017 6:36 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4140

Re: So... What bond fund or bond-like instrument do you use?

I am in the process of changing all positions in Vanguard Mutual Funds to Vanguard ETFs. For learning purposes only... may I ask a question? I too use ETF's. However, I was reading on this forum the other day about the differences between ETF and mutual funds regarding Bonds. There are a few posts ...
by Broken Man 1999
Thu Oct 05, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 4061

Re: Trying to convince my sister not to use a financial advisor

My rule is to avoid getting involved in financial discussions with friends or relatives except in very general terms ("this is what we do ...") -- and only if they bring it up. It is hard to stand by and watch. You might just buy her a book on the subject and leave it at that. She's and adult. That...
by Broken Man 1999
Thu Oct 05, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you think the money will come from to move the overall market higher?
Replies: 31
Views: 2248

Re: Where do you think the money will come from to move the overall market higher?

It won't be coming from our household, except thru the reinvestment of dividends and capital gains.

But, think of the millions of workers that have 401k plans that are left alone by the owners, leaving funds to invest each payday into some type investment.

Broken Man 1999
by Broken Man 1999
Thu Oct 05, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Easier Account Authorization for Spouses/Partners, etc.
Replies: 9
Views: 756

Easier Account Authorization for Spouses/Partners, etc.

I'm sure I'm not the only spouse/partner maintaining accounts for our significant others. I have long had viewing access that allowed us to see all accounts at Vanguard on the same screen. But to transact on the spouse's account I would have to have spouse sign in. To change that I thought one had t...
by Broken Man 1999
Thu Oct 05, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4140

Re: So... What bond fund or bond-like instrument do you use?

At the present I use Total Bond, Short Term Treasury fund, Intermediate Term Treasury fund, Series I and EE US Savings Bonds. I am in the process of changing all positions in Vanguard Mutual Funds to Vanguard ETFs. When Vanguard offers the "Total Corporate Bond" ETF (The ETF comprised of three exist...
by Broken Man 1999
Thu Oct 05, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2429

Re: How many money accounts do you have? And how do you Keep track of them?

Banking: All at a credit union first joined in August of 1973. His checking His savings His credit card Her Checking Her savings Her credit card Our checking Our Savings Investments: All at Vanguard His rollover IRA His Roth IRA Her rollover IRA Her Roth IRA Our brokerage taxable account Our Vanguar...
by Broken Man 1999
Wed Oct 04, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3325

Re: Cash in a local bank or credit union

We keep only living expenses in our credit union accounts. Wife and I both get SS direct deposit, plus I get funds from MetLife for disability claim. We keep zero $$$ for emergencies, as we use 0% interest rate credit cards to smooth out unexpected expenses. I try to keep as much as we can in our re...
by Broken Man 1999
Tue Oct 03, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9255

Re: Senior citizens can lose everything [to professional guardians via court rulings]

tc101: Thank you very much for posting the link to the article. I cannot imagine how deep the corruption must have been with those involved. Thanks to your link alerting us to this type issue, I will be reading Florida's statutes to get a feel for how much risk wife and I might have for such deplora...
by Broken Man 1999
Sun Oct 01, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 4725

Re: How much liquid Cash to Keep in Savings

I keep very little. About a month’s worth of expenses. Cash is a drag on returns and I can get short term funds by using a credit card or margin IF I really needed to. Been on this earth for 54 years and never had to do that though. We do just about the same. Ran into a few unexpected bills this ye...
by Broken Man 1999
Sun Oct 01, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5325

Re: Would you take a pay cut to work from home?

DD worked from home, until she didn't. New manager, new rules. She has changed jobs, and her current employer allows work at home, until they don't. I think this type change happened at HP, IIRC. You could end up with less pay AND having to go into a workplace location. As young as you are, I think ...
by Broken Man 1999
Sun Oct 01, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead's Guide - do I need disability insurance?
Replies: 11
Views: 838

Re: Boglehead's Guide - do I need disability insurance?

As others have pointed out, YES, you need LTD. When you are disabled without LTD, not only do you miss your paycheck, but depending on your specific disability, you might need ongoing care. So, you lose the ability to provide for your family AND you put additional stress on the already reduced famil...
by Broken Man 1999
Sat Sep 30, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 15
Views: 1493

Re: Smart Home: Google, Apple, or Amazon?

Amazon for us. We have two Echo units and a Dot. There is no doubt that at the present they are used mostly to play music. As the control devices come down in price, I will start using them. Until then Alexa can play my desired music, and help me with spelling, provide my instant weather info, provi...
by Broken Man 1999
Sat Sep 30, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7410

Re: What will happen if I refuse to pay a medical bill?

Have you considered that they do accept your insurance, but at the out of network rate. In a rational world, "accept insurance" would mean at in-network rate, subject to co-pays and deductibles. If a doctor's office doesn't know something about insurance, they should say so, rather than blithely in...
by Broken Man 1999
Thu Sep 28, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14754

Re: Why do you LBYM? Why do you save and invest?

I learned to live below my means and invest from my family. Best place of all to learn by example. Though sometimes you have to use your observations as a bad example, what NOT to do. I grew up while my father was building his business. We didn't have a TV for the longest time, but as a result I am...
by Broken Man 1999
Tue Sep 26, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Pay With Gasbuddy Card
Replies: 18
Views: 1222

Re: Pay With Gasbuddy Card

FWIW, Sam's Club branded MasterCard gives users 5% off per gallon. Given Sam's Clubs normal lower pricing (not necessarily everywhere), one can certainly save on gas using the card. Last fill-up saved 13 cents per gallon. I've noticed that around here gas prices have dropped already to near pre-hurr...
by Broken Man 1999
Tue Sep 26, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10127

Re: Companies/Brands You Love?

Another reason I love Publix: Free flu shots (to us, not the insurance companies, I imagine), and a free $10 gift card for each of us. Of course we immediately spent the $20 total in the store before we left, and even a bit more. I am not usually allowed to go with wife grocery shopping as it seems ...
by Broken Man 1999
Mon Sep 25, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3025
Views: 885721

Re: What Movie Have You Recently Watched?

Daughter, grandson and I went to The LEGO Ninjago Movie yesterday. Movie theatre was full of noisy kids, but was made bearable as daughter bought my ticket and also my bucket of popcorn. And the kids were happy noisy, which is easier on the ears. I recommend the movie for any kids that like legos, a...
by Broken Man 1999
Sun Sep 24, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 68
Views: 3326

Re: Do you subscribe to digital newspapers?

Our subscription to our remaining local paper also gives us digital subscription to local paper and digital subscription to Washington Post. Truth be told, if wife wouldn't raise a stink I would cancel as the news isn't "new" by the time I receive the printed copy. But not enough dollars to save ($6...
by Broken Man 1999
Sat Sep 23, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: In-service Rollover of BIL's 401k Plan....
Replies: 2
Views: 278

Re: In-service Rollover of BIL's 401k Plan....

If the 401k plan allows in-service rollovers of all contribution types after 59 1/2, IRS regulations allow the rollover of all 401k vested assets including employee deferrals. The only consideration is that employer 401k plans provide full anti-alienation asset protection against creditors. Dependi...
by Broken Man 1999
Sat Sep 23, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 5078

Re: Getting (young) kids interested in coding

Heck the kindergarten class has Chromebooks and computer programming is covered in elementary school. Schools have dropped hand writing. I hope they never have a dead battery, they would not be able to communicate. My oldest granddaughter surprised me the last time she was here. She is teaching her...
by Broken Man 1999
Fri Sep 22, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5171

Re: Uplifted Driveway = No Home Owners Policy ?!

You have a beautiful home, fixing the driveway will make it an even more attractive home!

Broken Man 1999
by Broken Man 1999
Fri Sep 22, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8718

Re: VG wants everyone to transfer to a brokerage account?

Wife and I had mutual funds AND ETFs, which required additional accounts. Fewer accounts after conversion, so I am a happy camper. Everything was set up correctly, bank accounts were set up by our Flagship representative while we were on phone. Nothing but a positive experience for us. I don't have ...
by Broken Man 1999
Fri Sep 22, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: In-service Rollover of BIL's 401k Plan....
Replies: 2
Views: 278

In-service Rollover of BIL's 401k Plan....

BIL's 401k has high expense Target Retirement Funds, his is a TRF 2020 fund from JP Morgan that racks up $500+ in expenses. Rolling the current balance to Vanguard's TRF 2020 would save him $400 in expenses/ year. His balance is 100% vested in contributions and match. He is almost 60, so no issue wi...
by Broken Man 1999
Thu Sep 21, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Reuters article - Vanguard asks passive investors to pay attention for proxy vote
Replies: 6
Views: 1415

Re: Reuters article - Vanguard asks passive investors to pay attention for proxy vote

From the link: "....To avoid that, Vanguard is leaving nothing to chance. The company is spending $17.6 million to drum up votes by mail, phone and electronically, according to its notice for the meeting...." Wow! That is a heap of expense $$$$ on one hand, but probably very well spent in the grand ...
by Broken Man 1999
Thu Sep 21, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett and Bond Funds
Replies: 33
Views: 3063

Re: Warren Buffett and Bond Funds

I think his advice would probably be fine for a great number of people. But those who have to depend on their ready cash for living expenses would lose their opportunity to perhaps buy more equities rebalance when the market crumbles. I'm more conservative; if I used Mr. Buffett's advice I would pro...
by Broken Man 1999
Wed Sep 20, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5171

Re: Uplifted Driveway = No Home Owners Policy ?!

Just to play devil's advocate, if you were on someone else's driveway, with the same issues, and you tripped and caused yourself great bodily harm, would you expect their insurance company to pay your medical bills? I have no mortgage, but my insurance company wanted to be sure I kept my house in g...
by Broken Man 1999
Wed Sep 20, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5171

Re: Uplifted Driveway = No Home Owners Policy ?!

Just to play devil's advocate, if you were on someone else's driveway, with the same issues, and you tripped and caused yourself great bodily harm, would you expect their insurance company to pay your medical bills? I have no mortgage, but my insurance company wanted to be sure I kept my house in go...
by Broken Man 1999
Wed Sep 20, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5171

Re: Uplifted Driveway = No Home Owners Policy ?!

Last time I changed insurance companies I was flagged for having some rot in door trim, a couple of inches worth. Inspector climbed all over my roof, as well. Had to get the trim fixed or no policy. A neighbor cut it out, spliced in new wood and repainted the trim. I sent before and after pictures v...