Search found 656 matches

by jeff1949
Mon Nov 05, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: ACA question -please help
Replies: 7
Views: 638

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: 434

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: 3783

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: 10375

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: 5091

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: 5091

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: 1864

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: 2224

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: 5160

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: 1690

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: 5043

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: 18576

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: 3195

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: 3195

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: 931

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: 931

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: 860

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: 6891

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: 6891

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: 3721

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: 41909

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: 1564

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: 3753

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: 3936

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: 3555

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: 1857

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: 1805

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: 1681

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 1.80%]
Replies: 242
Views: 40928

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: 2097

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: 3720

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: 4466

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
by jeff1949
Sun Jan 28, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for an emergency cell phone to keep in car....
Replies: 35
Views: 2601

Re: Looking for an emergency cell phone to keep in car....

I use T-Mobile and only pay $3.00 per month on a "pay as you go" plan. Start up cost was $20.75 for the SIM card + taxes. I use a cheap phone for this (Jethro).
by jeff1949
Wed Jan 24, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Should I (and my wife) convert traditional IRAs to ROTH IRAs?
Replies: 6
Views: 846

Re: Should I (and my wife) convert traditional IRAs to ROTH IRAs?

This is what I do: convert just enough to stay in the new 12% tax bracket. You do not have to convert the entire amount in any one year. You probably have 20 years or more to make the conversion. If you are already in a higher tax bracket then I would just leave it alone and perhaps you will be in a...
by jeff1949
Sun Jan 21, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 3539

Re: what is the best mouse poison?

I just take the batteries out of mine.

:sharebeer
by jeff1949
Wed Jan 10, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 3894

Re: Best Sources to Buy Prescriptions Out of Pocket

Like others above I have had good luck with both GoodRx and with Costco. I have also used several Canadian Pharmacies by going to their websites (no, you do not have to travel to Canada).

Here is another resource that has helped me as well:

https://www.pharmacychecker.com/
by jeff1949
Sun Jan 07, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 87
Views: 19955

Re: New Honda CRV - first oil change full synthetic?

wander wrote:
Sun Jan 07, 2018 1:37 pm
I change engine oil myself simply because I want to make sure that regular oil not mistakenly filled for synthetic oil. I used synthetic oil on my car from day 1.
+1 Been doing that for 50 years now. I've probably put one of my kids through college by doing that. :sharebeer
by jeff1949
Sat Jan 06, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should we rollover 403b into Roth IRA?
Replies: 8
Views: 855

Re: Should we rollover 403b into Roth IRA?

If we did the incremental conversion method would it preclude us from contributing to a backdoor Roth? We use vanguard and have a Traditional IRA as a conduit to the Roth IRA. Would we have to open a TIRA with another company or can you have 2 TIRAs through Vanguard? Sorry if this is a basic questi...
by jeff1949
Sat Jan 06, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 87
Views: 19955

Re: New Honda CRV - first oil change full synthetic?

I have not been able to find a 0W-20 motor oil that is not at least partially synthetic. I see that Pennzoil makes a blend but that is the only one I have found like that. All the others are full synthetic. https://jet.com/product/detail/d6cacc4a8c6a46cfac5ec5d1afaa84ab?jcmp=pla:ggl:automotive_parts...
by jeff1949
Sat Jan 06, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Should we rollover 403b into Roth IRA?
Replies: 8
Views: 855

Re: Should we rollover 403b into Roth IRA?

I would roll it over into a Traditional IRA and not a Roth IRA. No taxes to pay if you do that. At a later date you could then convert that Traditional IRA to a Roth IRA if that makes sense for you tax-wise. This is what we did with my wife's 403(b) when she retired as an RN from the hospital she wo...
by jeff1949
Mon Jan 01, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 71
Views: 14827

Re: Savings Bond Wizard to be eliminated 5/18

Mel Lindauer wrote:
Mon Jan 01, 2018 1:06 am
Bummer! :annoyed :confused
Yeah, no kidding!
Makes me wish I had not accrued those 350 I-Bonds back in 2000-2003. Okay, I'm kidding now! :sharebeer
by jeff1949
Mon Jan 01, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Well pump froze; no water.
Replies: 11
Views: 1758

Re: Well pump froze; no water.

It might not be as bad as it seems. Typically there is a pressure-sensing switch attached to the pipe, right near the wellhead, pressure tank, and all that stuff. This switch tells the pump motor to run, then shut off when the pressure limit is reached. It then starts the motor again once the press...
by jeff1949
Fri Dec 01, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Rental Car Insurance
Replies: 13
Views: 1617

Re: Chase Freedom Rental Car Insurance

I heard a comedian the other day, suggesting that you should take the rental car company's insurance, and then hit 6 or eight of their other cars as you drive back in to return your car. Hand them the keys, and go on about your day. I haven't read the fine print, but off-hand I can't see an obvious...
by jeff1949
Thu Nov 30, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Rental Car Insurance
Replies: 13
Views: 1617

Re: Chase Freedom Rental Car Insurance

If you happen to have an American Express credit card you can sign up for their Primary Insurance coverage which only costs about $25 for the entire rental period up to 42 days. You must use the AmEx Card when you rent the vehicle and as long as you are signed up the insurance is automatic. Here is ...
by jeff1949
Mon Nov 20, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $$ from Ally
Replies: 19
Views: 1799

Re: Transferring $$ from Ally

I always initiate all transfers at Ally. One reason is because my bank (Key Bank) only allows $2000 or less transfers when initiated there whereas Ally does not have such a low limit if they have a limit at all.
by jeff1949
Mon Nov 20, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 7451

Re: Uber for someone who knows only taxis

I'm planning on using Uber for the first time ever on Dec. 3rd (a Sunday) at LAX. We need a ride from LAX to the Cruise Port at San Pedro. If anyone has experience with that please let me know. I'm a little nervous as the plane arrives at 12:30 pm and the ship leaves at 4 pm on that day.
by jeff1949
Fri Nov 10, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Transitioning from ACA to medicare
Replies: 25
Views: 1564

Re: Transitioning from ACA to medicare

We live in Oregon and our ACA subsidy was pretty high so I think that is why our ACA was much better than the Medicare Advantage plan will be in 2018 Surprising to me - especially since my wife's current Kaiser Medicare plan has lower copays, no cost for blood tests at all and almost all services a...