Search found 671 matches

by jeff1949
Sun Jan 06, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2387

Re: How often do you deep clean?

I'm still hung up on the fabric chair deal. We have oak and fabric chairs in our dining room and I've had them for over 20 years. Blows my mind to think someone would throw them out annually! Yikes!
by jeff1949
Sat Jan 05, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay more than the minium on my mortgage?
Replies: 39
Views: 5214

Re: Should I pay more than the minium on my mortgage?

My vote would be to pay it off ASAP. Where else can you get a 3.5% rate on a risk free investment?
by jeff1949
Sat Dec 29, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: ableBanking 1 and 2 Year CDs are among highest APY
Replies: 11
Views: 1257

Re: ableBanking 1 and 2 Year CDs are among highest APY

Jeff Help me out please, I have several CD’s with Ally and I can’t find the 14 month offering on their website Thanks It's well-hidden. Simply log in and click your way through to "open an account". It will be offered to you in the pulldown list of CDs available. One perk of being a current custome...
by jeff1949
Fri Dec 28, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: ableBanking 1 and 2 Year CDs are among highest APY
Replies: 11
Views: 1257

Re: ableBanking 1 and 2 Year CDs are among highest APY

I have no experience with ableBanking but I just today opened a 14-month 2.85% CD with Ally, a bank with which I have much experience and trust.
by jeff1949
Mon Dec 24, 2018 12:01 am
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7247

Re: What was your best investment in 2018?

chw wrote:
Sun Dec 23, 2018 8:16 pm
I bonds from 2001.
+1
by jeff1949
Sat Dec 15, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Small difference between medicare and own insurance
Replies: 5
Views: 548

Re: Small difference between medicare and own insurance

We were offered two plans from Kaiser: the lower cost one is $44 + $134 ($178) and the other is $127 + $134 ($261).
by jeff1949
Tue Dec 11, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Keepsake Savings Bonds?
Replies: 9
Views: 608

Re: Keepsake Savings Bonds?

You can also tell the Treasury Dept. that you "misplaced" them and that you would like to cash them in anyway. You must fill out some paperwork but it can be done.

Just sayin'. :shock:
by jeff1949
Wed Dec 05, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: I would like to move my 401k to Vanguard, can I do that?
Replies: 5
Views: 567

Re: I would like to move my 401k to Vanguard, can I do that?

dmnhwn wrote:
Wed Dec 05, 2018 10:46 am
thanks mbres60!

Great news, so I could roll it on top of the current tIRA i have with Vanguard or would that be in a new fund?
We rolled my wife's 401-k into her tIRA at Vanguard with no problem. Be sure to have Vanguard initiate the transfer from their end would be my advice.
by jeff1949
Tue Dec 04, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1204

Re: Rental car classifications

try autoslash if you are not aware of them. I looked at that, but Costco is just easier for me. How is it easier? I assume you have to search for better deals manually every so often? Instead you could register your reservation with Autoslash and let it keep searching for better deals, notifying yo...
by jeff1949
Mon Dec 03, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1204

Re: Rental car classifications

jeffyscott wrote:
Mon Dec 03, 2018 7:26 am
I don't know if it has been the case in the past, maybe I just noticed this year because have I re-booked about 10 times at progressively lower rates for a trip we are taking..........
I've been doing the same thing.....it's almost like an obsession to me......LOL. :sharebeer
by jeff1949
Sat Dec 01, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2146

Re: Do I need to pay for a clean title to sell my car privately?

Here in Oregon there is a place on the original title where the lien holder can sign off. This happens to be on the front of the title for the Oregon title. It sounds like the NJ title does not have this place on the title itself that can be signed by the the lien holder (Toyota Financial in this ca...
by jeff1949
Sun Nov 25, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5687

Re: Is good, quality luggage worth the price?

I've been very happy with this bag from Costco although I paid only $39.95 and they are offering it for $44.95 currently:

https://www.costco.com/American-Tourist ... 28884.html
by jeff1949
Wed Nov 21, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 50
Views: 4277

Re: What financial advice have you been most grateful for?

alpenglow wrote:
Wed Nov 21, 2018 5:24 pm
Taylor Larimore's.
Taylor plus Mel Lindauer who encouraged me to backup up the truck and purchase 3.0%+ I-Bonds way back when. :sharebeer
by jeff1949
Fri Nov 16, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1840

Re: One food I could never give up

HueyLD wrote:
Fri Nov 16, 2018 12:17 pm
Mexican food and Chinese food (two).
+1 :sharebeer
by jeff1949
Wed Nov 14, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7341

Re: Are you all staying the course?

Jack FFR1846 wrote:
Wed Nov 14, 2018 2:59 pm
<Jack takes a look at his hundreds of thousands of dollars worth of iBonds> Looks good to me.
+1 :sharebeer
by jeff1949
Mon Nov 05, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: ACA question -please help
Replies: 7
Views: 693

Re: ACA question -please help

We have been in the same boat for the past 4 years as I am 69 and my wife just turned 65 in Sept. You definitely need to claim "2 persons in household" and not "single". It was confusing at first but it will all work out correctly for your subsidies if you qualify for them. Just trust the process an...
by jeff1949
Mon Nov 05, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Oakland Airport to Santa Rosa/Healdsburg - best route?
Replies: 8
Views: 456

Re: Oakland Airport to Santa Rosa/Healdsburg - best route?

Yeah, going over the Golden Gate Bridge would definitely be the wrong way to go, LOL.

You can also fly directly into Santa Rosa (STS) of course.
by jeff1949
Sun Sep 23, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3880

Re: How to get rid of rabbits

What part of the country....? Where I live, PNW, we simply enjoy them. We have never done anything to discourage them... and their affect on our yard is minuscule. They eat clover around our place, and some of the weeds it seems. I guess not all of us: https://www.usnews.com/news/best-states/oregon...
by jeff1949
Sat Sep 22, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 12162

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

SeekingAPlan wrote:
Fri Sep 21, 2018 5:49 pm
Have you considered the Ally No Penalty 11 Month CD? It is currently paying 2.1%.
^THIS^ is what I do. Seems a no-brainer to me.
by jeff1949
Tue Sep 04, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: "Safeguarding Your Wealth From The Effects Of Cognitive Decline"
Replies: 52
Views: 5275

Re: "Safeguarding Your Wealth From The Effects Of Cognitive Decline"

I plan to put my investments into life strategy or balanced funds. One fund will help those who eventually end up helping me if I reach old age. This is what I plan to do as well. " SIMPLIFY Consolidate accounts and simplify the structure of your portfolio wherever possible, so that a trusted finan...
by jeff1949
Tue Sep 04, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: "Safeguarding Your Wealth From The Effects Of Cognitive Decline"
Replies: 52
Views: 5275

Re: "Safeguarding Your Wealth From The Effects Of Cognitive Decline"

Oh, oh.......now you've got me worried, especially the thing about after 70.....since I just turned 69 last month. Now what was I going to say about that? I can't remember now. Anyway......you seem as sharp as a tack to me! On the other hand I visited an aunt who is 96 and I don't think I would trus...
by jeff1949
Sun Sep 02, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Wet & Forget for roof algae?
Replies: 13
Views: 1911

Re: Wet & Forget for roof algae?

It worked great on my concrete tile roof here in western Oregon. It took months to show improvement after treatment however, so you have to be very patient. My gutters are hooked up to a drainage system so I can't say for sure if it will harm your plants. I got the best price at Costco where I paid ...
by jeff1949
Mon Aug 20, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: How much clothing do you need to get by?
Replies: 20
Views: 2252

Re: How much clothing do you need to get by?

Just enough so I don't get arrested or freeze to death. :sharebeer
by jeff1949
Sat Aug 18, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5222

Re: Your major and investing/finance?

Chemical Engineering but then became an onion farmer. Not sure how all that correlates though. :sharebeer
by jeff1949
Fri Aug 17, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Best (cheapest) way to book a flight well in advance
Replies: 15
Views: 1738

Re: Best (cheapest) way to book a flight well in advance

Google flights. You can set up fare watches and look at charts of how the prices are fluctuating over time. Then you use technical analysis to decide when to buy?? Unfortunately, I'm not aware of any technical analysis for the best time to buy. It's pretty much a seat of the pants kind of thing. Fo...
by jeff1949
Thu Aug 02, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 5130

Re: best place to hide a key

If you do find a good place to leave your key I would be sure to use a "key safe" so that if another person found it they would not have access to your car. Here's one that I use: https://www.amazon.com/Kidde-AccessPoint-001414-Combination-Permanent/dp/B000PQY1I6/ref=asc_df_B000PQY1I6/?tag=hyprod-20...
by jeff1949
Thu May 31, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18929

Re: Top Shelf Liquor Overrated?

Went on a tour of Maker's Mark a few years ago and both the wife and I liked the 12 year bourbon over the 20 year bourbon. So there's that. LOL

:sharebeer
by jeff1949
Fri May 18, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3275

Re: Chase CS playing games w/me

So they pre-paid your next monthly payment I guess. Not ideal but not the end of the world. Double check when your next payment is due and I bet your next payment was already paid now. Yes, this is what they did. All of my prior years extra principal payments were applied as I asked, fully to princ...
by jeff1949
Fri May 18, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 3275

Re: Chase CS playing games w/me

I think what you will find is that with next month's statement there will be a substantial reduction in the "interest" amount from around $870 to around $650. You will just have to be patient.
by jeff1949
Tue Apr 24, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Help me with my email in Shanghai.
Replies: 8
Views: 979

Re: Help me with my email in Shanghai.

Thank you to everyone who responded. Looks like I will just have to disconnect for a few weeks. :(
by jeff1949
Mon Apr 23, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Help me with my email in Shanghai.
Replies: 8
Views: 979

Help me with my email in Shanghai.

Just arrived in China and I am not able to access my gmail account. Apparently the Chinese censor everything that is controlled by the "big G" and therefore I cannot use the Boglehead search function either. Grrrrrrrr. I don't know how to create a VPN and really don't want to go to that hassle. Any ...
by jeff1949
Mon Apr 16, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: power tool that replaces both allen wrench and screwdriver
Replies: 9
Views: 911

Re: power tool that replaces both allen wrench and screwdriver

I just replace the bit in my drill/driver.
by jeff1949
Sun Apr 15, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7270

Re: Costco gas

Drovor wrote:
Sun Apr 15, 2018 2:13 pm
I believe you get 4% at any gas station with the Costco Visa card. We still primarily use Costco as stated in previous post.
True, as long as it is a major brand.
by jeff1949
Sun Apr 15, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 7270

Re: Costco gas

Yes, I go out of the way to buy gas at Costco. I get a 4% rebate using my Costco Business Visa Card plus their prices are about 20 cents cheaper per gallon to begin with. We used to have a car that was supposed to have Premium (1998 Acura RX) but I found it ran fine on regular. That car is still in ...
by jeff1949
Sun Apr 15, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3825

Re: Suddenly I had a weird bill go to collections - what's my course of action?

I would also ask what address said ear clinic has on file for you. Sometimes it's wrong. Guess how I know. OP already admitted: " I wouldn't be surprised if I gave them fake contact information when I was there because I don't like being in people's systems." I think this is where he made the error...
by jeff1949
Tue Apr 10, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42625

Re: Name something you bought that wasn't cheap and glad you did

A super automatic espresso machine although we just use it to make coffee.

:sharebeer
by jeff1949
Tue Apr 10, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Prescription drug costs
Replies: 22
Views: 1602

Re: Prescription drug costs

One way my wife and I save a little on several continuing prescriptions (Kaiser) is mail order refills. We can just request the refills online (or by phone). One thing that greatly puzzles me is friends/acquaintences who absolutely refule to do mail refills. In our case, this is super convenient - ...
by jeff1949
Wed Mar 28, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 3988

Re: New 2019 RAV4 is now out - looks good

I think it looks great. I'm not a fan of the current RAV4 styling, especially in the back. And I like that Apple Carplay will be available. As with the new Camry, Accord, and even previously the new CRV, I prefer to wait one year after a major re-design to let the market digest it and reveal any gl...
by jeff1949
Fri Mar 23, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: changing my signature when signing checks and credit card receipts
Replies: 47
Views: 4034

Re: changing my signature when signing checks and credit card receipts

I've had checks go through when I forgot to sign them at all!
by jeff1949
Tue Mar 13, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Do/Why don't a lot of people by mobile homes in the Bay Area?
Replies: 30
Views: 3600

Re: Do/Why don't a lot of people by mobile homes in the Bay Area?

You may be able to buy a mobile home for $150k but the space rent would probably be astronomical. It was when we looked into this for space rent in the San Diego area.
by jeff1949
Tue Feb 20, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 23
Views: 1929

Re: Furnace Setting for Vacation

We are leaving today from western Oregon and heading to Arizona for a few days. Like you I set my night time temp. to 60 degrees. I plan on leaving my thermostat at 60 degrees while we are on our trip. I think you can go lower but I worry about all the moisture in the air from our rather damp climat...
by jeff1949
Sun Feb 18, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to qualify wife for ACA subsidy in 2018
Replies: 18
Views: 1844

Re: How to qualify wife for ACA subsidy in 2018

The financial "cliff" for the ACA for my wife and I is $64,960 so you might want to check that $66k figure. One dollar over the limit and the subsidy vanishes of course.
by jeff1949
Sat Feb 10, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping comprehensive/collision auto insurance - implications with rentals?
Replies: 23
Views: 1728

Re: Dropping comprehensive/collision auto insurance - implications with rentals?

I have an American Express Blue card. Does anyone know if any of these things are covered if I use it to rent a car? You would have secondary coverage with your AmEx card. For peace of mind I would recommend this $20 to $25 Premium add-on from American Express to make it your Primary Insurance and ...
by jeff1949
Fri Feb 09, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 283
Views: 47493

Re: Ally online savings now at 1.45%

3 Month TBills are over 1.5% and state/local tax free. That's a great substitute for money funds and high yield savings. Can you recommend an easy and secure way to purchase one for the computer semi-illiterate? :) Here you go: https://www.treasurydirect.gov/indiv/research/indepth/tbills/res_tbill_...
by jeff1949
Wed Feb 07, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Chase self-directed account
Replies: 12
Views: 2228

Re: Chase self-directed account

I see that all of the Vanguard Funds are Investor Shares. You may be eligible for Admiral Shares, which have a lower expense ratio, if you invest directly with Vanguard. So there is a price to pay by going through Chase.
by jeff1949
Sat Feb 03, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 3807

Re: Cheapest funeral options

Hi, Bogleheads, I have heard of many cases where funeral homes have sold expensive coffins and funeral options to vulnerable, grieving families. Most people that I know, myself included, would prefer their estate to be spent on the living. The cheapest option is probably donating your body to scien...
by jeff1949
Sat Feb 03, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 4518

Re: Do you live on a budget?

No budget because we have always lived below our means. Some people need budgets and they are usually those who live pay check to pay check which, unfortunately, includes most all of our 5 children and their spouses.

:confused