Search found 1538 matches

by rich126
Wed Jun 24, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Keep House and Rent Long Distance or Sell?
Replies: 16
Views: 989

Re: Keep House and Rent Long Distance or Sell?

I had this decision back in 2011. I went with rent but the following was my decision reasoning: 1. House value. I felt at the time my house sale price was at a likely low ($290s from a previous range of $350-600K). 2. Rentability. Very high. In a desirable area of Scottsdale. 3. Affordability. If ne...
by rich126
Wed Jun 24, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5804

Re: New 4K TV: LED, QLED or OLED?

I have 2 old Panasonic Plasma TVs that I'm trying to hold onto for as long as possible. If I was buying a new TV, despite the price, I'd go with OLED. They clearly are the best technology. I'm hoping for price decreases before I have to buy one. My TVs are much smaller (50" and 42").
by rich126
Tue Jun 23, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Product Change (cc)
Replies: 5
Views: 813

Chase Product Change (cc)

I usually try to use Chase secure email system on their web site to resolve issues since I don't like waiting on hold. With reduced traveling I've been reducing my credit cards. In this case I asked to switch from an annual fee card to a no annual fee card. Unfortunately the response is that it can ...
by rich126
Tue Jun 23, 2020 5:52 pm
Forum: Personal Consumer Issues
Topic: Made a horrible decision with regards to car. need guidance
Replies: 60
Views: 6214

Re: Made a horrible decision with regards to car. need guidance

Cars cause a lot of people to make questionable decisions. I have to admit way back in the late 1980s within a few years of graduating college and getting a full time engineering job (albeit at a government salary) I bought a brand new Toyota MR2. The most fun I ever had with a car (Acura RSX was a ...
by rich126
Tue Jun 23, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How do people sell a house and buy one at the same time?
Replies: 27
Views: 3108

Re: How do people sell a house and buy one at the same time?

Right now some areas are very low in inventory due to people not wanting to have strangers in their homes. A lot of virtual tours. I know in much of MD and AZ inventory of homes are at historically low levels. In AZ that has caused significant prices increases, in MD not as much.
by rich126
Tue Jun 23, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: Anybody moved out of State recently.
Replies: 27
Views: 2471

Re: Anybody moved out of State recently.

I have a weird thing to watch out for. As we got ready to move we submitted a forwarding address to USPS and some of our mail was actually forwarded and delivered before closing. But after closing we stopped getting mail. Finally, after about a week, we called the post office and they said it was t...
by rich126
Mon Jun 22, 2020 8:42 pm
Forum: Personal Consumer Issues
Topic: Moving/Selling House Stuff
Replies: 22
Views: 2130

Re: Moving/Selling House Stuff

For what you’re doing the UPack or PODS options are probably cheapest. One thing to check before you do this, though, is parking regulations at both ends. The companies will claim to not know anything about parking regulations. My next door neighbor got a series of $250 tickets for the UPack traile...
by rich126
Mon Jun 22, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5067

Re: Restaurants recommendations

Any national chain/franchise can vary greatly based on the local owner/GM. In Maryland there is an Outback Steakhouse that I used to go to semi-often and always had tender filets, great fresh bread and a good salad. I honestly can't say I've had the same experience elsewhere. Back in my junk food da...
by rich126
Sun Jun 21, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Moving/Selling House Stuff
Replies: 22
Views: 2130

Re: Moving/Selling House Stuff

Regarding the car, most likely I would pay to ship it only because it is fairly new with under 20,000 miles on it. From what I see shipping it may run $1-2K which is less than the amount I'd likely lose on selling this one and buying a replacement one. And I think a few people didn't understand my p...
by rich126
Sat Jun 20, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Moving/Selling House Stuff
Replies: 22
Views: 2130

Moving/Selling House Stuff

First lets ignore the current virus situation for this question. I am considering relocating back east and this time I will likely absorb the cost of moving myself since I'm likely taking a job with a smaller company. I'm exchanging the possibility of a larger company paying for my move for higher p...
by rich126
Sat Jun 20, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating price post an old house inspection
Replies: 48
Views: 2946

Re: Negotiating price post an old house inspection

Everyone has differing opinions on this stuff. There are buyers who think an older home should be in the same condition as a new home which isn't realistic. I sold a 40+ year old home and my buyers wanted me to replace the HVAC because it was old but it was functioning fine. Maybe it would last anot...
by rich126
Fri Jun 19, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10401

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

I wouldn't waste my time showing my house to someone who didn't have atleast a prequal letter. This is usually step one for serious home buying. If I was a broker or agent, I wouldn't take on a client who was unwilling to get prequalified upfront Agreed. The first step in working with a buyers agen...
by rich126
Thu Jun 18, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Shrinking Jeans in Washer/Dryer
Replies: 29
Views: 1462

Re: Shrinking Jeans in Washer/Dryer

Return them. It will be hard to shrink them they way you want if they are loose through the leg, for example. You may end up shrinking the length or waist. Jeans have cuts: straight cut, or roomy in the legs, or butt, etc.....make sure you get the right fit for your body. I had a pair of 20 year ol...
by rich126
Thu Jun 18, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10401

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

As everyone would say, real estate varies greatly from place to place. Right now in my area I could see all kinds of restrictions on buyers for one reason, the demand HUGELY outstrips the supply. I've chatted with an agent off and on for months and there are homes that go on the market and get 20+ b...
by rich126
Wed Jun 17, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: How to cut cable without sacrificing good internet
Replies: 27
Views: 2208

Re: How to cut cable without sacrificing good internet

In AZ, we have Cox, internet only, no promo, standard price: 30down 3up for $44.99 per month. I am not really complaining. I think this is the package I have and it's more than adequate for me (1 internet-connected TV and 1 smartphone used regularly at the same time). I have no issues with video st...
by rich126
Wed Jun 17, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways
Replies: 20
Views: 1203

Re: What response to a health insurance claim denial? - Test found a problem, claim for test denied anyways

Obviously billing/insurance is a big mess for the patient and the doctor. Patients shouldn't need to find codes for tests, etc. A doctor office should have people capable of that. I'm probably different from many but when I go for a physical and a doctor says "This test is a good idea but insurance ...
by rich126
Wed Jun 17, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: wells Fargo and cash
Replies: 12
Views: 639

Re: wells Fargo and cash

Since checks are largely obsolete I rarely have to deal with them but I got a couple from Chase and I wanted to deposit them but didn't want to visit a bank. I used the Wells Fargo app to deposit the check. I'll do that from now on. (And yeah, I'm not a Wells Fargo fan but I do have an account) Exce...
by rich126
Wed Jun 17, 2020 12:13 pm
Forum: Personal Investments
Topic: USAA to Charles Schwab - not happy
Replies: 43
Views: 3448

Re: USAA to Charles Schwab - not happy

That difference in expense ratio is meaningless. If your numbers are truly accurate it is a difference of 2.5 cents on $500 or $50 on $1,000,000. You probably have bigger things to worry about. FIDELITY 500 INDEX FD (FXAIX). I chose this fund because its expense ratio is 0.015 percent. Schwab S&P 50...
by rich126
Mon Jun 15, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1205

Re: EZ-Pass Issue for Pennsylvania

Just curious what happens if you end up on a toll road w/o a transponder and there are no cash booths (assuming they even exist now) ? I had an issue many years ago where I accidentally got on a toll road and needed change to pay the unmanned booth. And then the booth didn't count my money correctly...
by rich126
Sat Jun 13, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 31971

Re: Really hard to avoid "Keeping up with the Joneses"!

You do see people dealing with peer pressure differently. Parents with kids are especially prone to it since they don't want their kids to miss out on things even if they are costly, or not fit in with their friends. I've lived in some nice areas but peer pressure has never been a big thing to me, w...
by rich126
Fri Jun 12, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Retiring Abroad
Replies: 109
Views: 10644

Re: Retiring Abroad

I'm always impressed with people who do this in their later years. My big issues are: 1. Language - Sure some places you can get by with English but it certainly helps to know the local language to make friends and get things done more efficiently. Sadly I'm not a language person. My highlight was o...
by rich126
Fri Jun 12, 2020 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 1.25% to 1.10%
Replies: 72
Views: 7435

Re: Ally Bank savings interest rate dropping from 1.25% to 1.10%

And yet many here still are worried about inflation. Unfortunately interest rates are heading downward for a long time.
by rich126
Thu Jun 11, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Broken Onkyo Audio Receiver Under Warranty. What Recourse do I Have?
Replies: 18
Views: 1077

Re: Broken Onkyo Audio Receiver Under Warranty. What Recourse do I Have?

Was it expensive? What model? I've had 2 Onkyos and a Yamaha and haven't had any issues. Onkyo, at least at one time, gave you a lot for the money. Some models were prone to overheating but that was years ago. I haven't kept up with the brands/models. If it is cheap you might want to toss it. I thin...
by rich126
Thu Jun 11, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: Do Any Bogleheads Consider Themselves Bears?
Replies: 51
Views: 2542

Re: Do Any Bogleheads Consider Themselves Bears?

I don't really consider myself a BH so that is one thing. I think right now things are a mess although a bunch of people think things are back to normal (not sure what they are looking at) but there is no way the economy is in better shape now than it was before the virus. I'd expect a rocky and rou...
by rich126
Wed Jun 10, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9280

Re: Tipping why % of bill and not flat amount?

We don’t tip the people who bag our groceries and check us out at the grocery store, why not? They’re low-paid and are providing you with a personal service involving food. Where do you draw the line? Because tips are expected in many states waiters make $2.13/hour that's why. https://www.dol.gov/a...
by rich126
Wed Jun 10, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: So Are Home Renovations Worth It (Financially) Or Not?
Replies: 105
Views: 7481

Re: So Are Home Renovations Worth It (Financially) Or Not?

You will rarely get your money back in renovations and especially not if you go overboard. But if you don’t keep the house decent you will cost yourself money. You want to keep things clean, neutral and not unusual. And keep mindful of the neighborhood, spending $100k on a kitchen in an area with $3...
by rich126
Tue Jun 09, 2020 7:11 pm
Forum: Personal Investments
Topic: Paying off mortgage or investing in stocks/bonds?
Replies: 16
Views: 1253

Re: Paying off mortgage or investing in stocks/bonds?

I was looking at this today. I have a year to go on my mortgage (it was a 10 year mortgage) and also some money on a car loan. Total is pretty low ($22K) but the car loan is only 2.75% and the mortgage is 3.75%. I didn't think it mattered much and will just keep them for now.
by rich126
Tue Jun 09, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Filed paper return in mid March. Still no status
Replies: 21
Views: 1327

Re: Filed paper return in mid March. Still no status

So it wouldn't surprise me that most IRS federal employees have not been working the last 2+ months (and yeah, the workers, including contractors, are still getting full paid). Just me 2 cents. Telework eligible IRS employees have been transitioned to telework since March. Unfortunately, some jobs ...
by rich126
Mon Jun 08, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sampling Cities to Live in Retirement via Craigslist Sublets
Replies: 19
Views: 1709

Re: Sampling Cities to Live in Retirement via Craigslist Sublets

Interesting idea. I've only lived in two states (except for college) and figure it is too late to start over somewhere else. I figure the time needed to understand where to live, make new friends, get used to the area, etc. would be time consuming and if after a year or so you don't like it, you'd h...
by rich126
Mon Jun 08, 2020 6:07 pm
Forum: Personal Investments
Topic: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?
Replies: 50
Views: 3605

Re: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?

Maybe someone will post a link to the article that did a good job explaining how returns are not linear with regards to interest rate drops on LT treasuries but more exponential.

Now if believe rates go up, it may be another story.
by rich126
Mon Jun 08, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 85
Views: 4599

Re: Engagement Ring Help

Any recommendations on places to buy an emerald engagement ring? Nothing too flashy just something where I'm not totally getting ripped off. My GF is not a diamond person (for whatever reasons).

Thanks.
by rich126
Mon Jun 08, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 21
Views: 10035

Re: Cox Retention Department

The solution is to change the account holder every 2 years. Even the Fios reps Ive talked to in person do this. At the end of the 2 year promo period: Me: hey I’m moving out and want to terminate service on 11/1/19 Wife: hey id like to start service in my name effective 11/1/19 2 years later Wife: ...
by rich126
Mon Jun 08, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Filed paper return in mid March. Still no status
Replies: 21
Views: 1327

Re: Filed paper return in mid March. Still no status

I'm in a similar situation. Got both of my state refunds but nothing, status wise, appears on their web site. Mine was mailed back in mid April. I don't know the work status of IRS employees but I do know that at least some (most?) government federal workers have been at home since sometime in March...
by rich126
Sat Jun 06, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Seller breach of contract on home. I need advice.
Replies: 64
Views: 6718

Re: Seller breach of contract on home. I need advice.

In general I have found some people think buying an older home should be the same as a new home. In my case I was selling a 40+ year old home in good shape but certainly not new. The buyers wanted me to replace the hvac since it was old but it functioned fine and it worked except for replacing the c...
by rich126
Fri Jun 05, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5934

Re: To what Broadband Speeds do you Subscribe and Why?

We have 100/100 which is the lowest tier Verizon offers in my area. There are also 300/300 and 1000/1000 tiers. Same here... 100/100 is enough most of the time - lots of usage with several games/netflix etc etc going concurrently..... Just the odd upload to new cloud backup provider or somehing whe...
by rich126
Thu Jun 04, 2020 12:21 pm
Forum: Personal Investments
Topic: Thrift Savings Plan (TSP) - Son leaving the military
Replies: 28
Views: 1456

Re: Thrift Savings Plan (TSP) - Son leaving the military

I generally roll things over to have more investment options but I have kept some money (5-10%) in the TSP for the reasons stated by others. I don't think the TSP has the advantages it once had but it isn't a bad idea to keep the door open.
by rich126
Thu Jun 04, 2020 12:16 pm
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 138
Views: 14920

Re: Schwab acquiring TD Ameritrade

Has anyone heard whether Schwab/TDA plan to operate as two separate brokerages or whether they plan to combine operations? The guy I talked to said it will take a while to combine stuff and that some things will remain different such as TD Ameritrade/ThinkorSwim trading platform since that is one o...
by rich126
Thu Jun 04, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Small antenna to pull in local channels?
Replies: 31
Views: 1662

Re: Small antenna to pull in local channels?

A regular old UHF/VHF antenna works fine assuming their is sufficient signal strength otherwise things like a rooftop antenna would be needed and I don't see the point of that unless you already have one installed. Special HDTV antennas are not special except in terms of cost. There are probably mor...
by rich126
Wed Jun 03, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pros/cons of utilizing mortgage deferral
Replies: 56
Views: 2596

Re: Pros/cons of utilizing mortgage deferral

Are there effects on one's credit score by doing this? If so, is it the initial deferral or something about when it's paid back? But I certainly understand wanting to hold on to extra cash if the future is uncertain, and one's needs can't be pulled back too much that quickly, given family circumsta...
by rich126
Wed Jun 03, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 441
Views: 35087

Re: Retirement Friendly States

Currently its been 105+ for highs. Humidity is usually 10% or less now so evenings are nice. July, August and September are hot and enough humidity to make it miserable during the day and still hot at night. It is possible that during your waking hours it won’t get under 100. I used to play golf in...
by rich126
Wed Jun 03, 2020 4:03 pm
Forum: Personal Investments
Topic: Anti-Vanguard Broker Experiment - So Far
Replies: 25
Views: 1860

Re: Anti-Vanguard Broker Experiment - So Far

I've used Scottrade, ThinkorSwim, TD Ameritrade, Vanguard and Fidelity (ignoring anything that was 5+ years ago). Several of these got acquired by TD Ameritrade. I still favor TD Ameritrade and also the ThinkorSwim trading platform. Just seems best for me. Vanguard seems very basic and I doubt I wil...
by rich126
Mon Jun 01, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 441
Views: 35087

Re: Retirement Friendly States

Currently its been 105+ for highs. Humidity is usually 10% or less now so evenings are nice. July, August and September are hot and enough humidity to make it miserable during the day and still hot at night. It is possible that during your waking hours it won’t get under 100. I used to play golf in ...
by rich126
Mon Jun 01, 2020 6:03 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6424

Re: Healthcare post COVID-19

I agree with some others regarding the positives of video/teledoc type appointments. I've had one using Facetime (other option was Zoom) and another using some other system. From a patient perspective: 1. No wasted time commuting to/from the office 2. No wasted time sitting in a waiting room (more i...
by rich126
Sat May 30, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: The risks of using account aggregators (how they access your accounts).
Replies: 34
Views: 2615

Re: The risks of using account aggregators (how they access your accounts).

While I do a lot of computer work and hacking type of stuff in the past I try not to obsess over security since it is impossible to be totally safe. I have friends who avoid credit cards, online banking, etc. but at some point you have to weigh security vs. convenience. I don't view things like onli...
by rich126
Sat May 30, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 17363

Re: Why is the market soaring?

Most of these comments must be coming from people living in another reality. Are states reopening? Yes. Are things returning to near normal? No way. Companies are laying off tens of thousands of people. Profits for most companies are dropping big time and eventually the stock will drop as well. And ...
by rich126
Fri May 29, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 116640

Re: Why are you NOT buying rental properties?

I ended up with a rental SFH due to circumstances but I'm glad I don't have any rentals now. I think if you started out small and slowly add to it while maintaining a good cash flow w/o getting over leverage it can be an excellent way to make money. If you only have a single property, especially hig...
by rich126
Thu May 28, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Mens Wrinkle Cream
Replies: 18
Views: 1436

Re: Mens Wrinkle Cream

Smoking and the sun really destroys skin. None of the creams work, if they did no one would have wrinkles. And avoid surgery since it usually makes things worse. I live in Scottsdale and you see a ton of bad cosmetic surgery.
by rich126
Wed May 27, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Audition; House Budget; Cash Sub-Allocation Queries
Replies: 16
Views: 1069

Re: Early Retirement Audition; House Budget; Cash Sub-Allocation Queries

Seems like you have plenty of money even if it means withdrawing 1-2% a year. I would note that depending on where you move to and whether you plan to do most of the moving yourself, $10K may be low and it could be more like $15-20K depending on what you do vs the movers and the distance involved.
by rich126
Wed May 27, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19339

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

If I was married/involved with someone who had anything close to my savings/assets I would be in extremely good shape. Unfortunately that isn't true so things are a bit tougher but not terrible. If we wait until 67 and get social security, the combined amount plus a small pension should cover most e...