Search found 9634 matches

by sport
Tue Dec 01, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: USPS Lost Paper Bank Statement - Should I Worry?
Replies: 18
Views: 1122

Re: USPS Lost Paper Bank Statement - Should I Worry?

I prefer to get paper statements. However, my bank does something that annoys me no end. When there is a bill pay check written, the entry on the statement shows the account number of the payee. That includes credit card account number. Even worse, if I transfer cash to/from Vanguard, it shows my Va...
by sport
Tue Dec 01, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Which battery and wiper blades to get from Autozone?
Replies: 10
Views: 564

Re: Which battery and wiper blades to get from Autozone?

If a more expensive battery has higher CCA and Reserve Capacity ratings, it can be expected to last longer.
by sport
Tue Dec 01, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: Buy a used car or brand new
Replies: 39
Views: 2376

Re: Buy a used car or brand new

jaymeetme wrote: Tue Dec 01, 2020 2:14 pm I have driven an old Toyota for more than 10 years now and it's time to upgrade.
You might want to look at a new Toyota. It would be a substantial upgrade from your old one.
by sport
Tue Dec 01, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Buy a used car or brand new
Replies: 39
Views: 2376

Re: Buy a used car or brand new

This is a good time of year to buy a new 2020 model. The 2021 models are out, so there are special offers on the 2020's.
by sport
Tue Dec 01, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Buy a used car or brand new
Replies: 39
Views: 2376

Re: Buy a used car or brand new

It depends on the brand. Hondas and Toyotas depreciate more slowly and a good late model used car can cost almost as much as a new one. So, buy those new. Other brands depreciate faster, so you can get some good deals on used ones. So, whatever you choose to buy, compare the price with a negotiated ...
by sport
Tue Dec 01, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Auto Registration Check Not Cashed
Replies: 1
Views: 198

Auto Registration Check Not Cashed

I usually pay for my annual auto registration in person at a local registrar's office using a personal check for payment. This year, however, due to Covid precautions, I sent the payment by US mail. In mid-October, I sent two registrations in separate envelopes, each with its own check. I have recei...
by sport
Tue Dec 01, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: Are the cars limited when using car buying services???
Replies: 8
Views: 666

Re: Are the cars limited when using car buying services???

I have experience with Costco's service. When you sign up, it asks what car you are looking for. If you ask for a Tesla, it might say that is not available. However, if you ask for a Camry, the service has a Toyota dealer in your area contact you. You can then work with that dealer to get any Camry ...
by sport
Mon Nov 30, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Why Would All Four Tires Have Slow Air Leaks?
Replies: 78
Views: 5847

Re: Why Would All Four Tires Have Slow Air Leaks?

Recently I purchased a cheap tire air compressor, and I fill the tires in my driveway. Do not depend on a cheap air compressor for emergency use. I had one and used it two or three times. After that, it would run, but would not inflate a tire. I’ve used my cheap little air compressor for years. I a...
by sport
Sun Nov 29, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Why Would All Four Tires Have Slow Air Leaks?
Replies: 78
Views: 5847

Re: Why Would All Four Tires Have Slow Air Leaks?

Small Law Survivor wrote: Sun Nov 29, 2020 4:58 pm Recently I purchased a cheap tire air compressor, and I fill the tires in my driveway.
Do not depend on a cheap air compressor for emergency use. I had one and used it two or three times. After that, it would run, but would not inflate a tire.
by sport
Sat Nov 28, 2020 5:53 pm
Forum: Personal Investments
Topic: How much cash USD should I hold in my taxable portfolio?
Replies: 12
Views: 1078

Re: How much cash USD should I hold in my taxable portfolio?

You might want to consider "cash like" investments. CDs are cash, but they function much like a bond. Savings bonds are bonds, but they function much like cash. The amount of cash you want to have can be related to possible needs for cash, that would not merit raiding your emergency fund....
by sport
Sat Nov 28, 2020 4:53 pm
Forum: Personal Investments
Topic: How much cash USD should I hold in my taxable portfolio?
Replies: 12
Views: 1078

Re: How much cash USD should I hold in my taxable portfolio?

You might want to consider "cash like" investments. CDs are cash, but they function much like a bond. Savings bonds are bonds, but they function much like cash. The amount of cash you want to have can be related to possible needs for cash, that would not merit raiding your emergency fund. ...
by sport
Sat Nov 28, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash to save 4% worth it in this case?
Replies: 40
Views: 1875

Re: Paying cash to save 4% worth it in this case?

I have worn a mask in a bank this year with no problems. The bank people were wearing masks too. I would be concerned about why they are offering you a discount for "cash money", but not a check. The only reason for this that comes to my mind is tax evasion. If that vendor wants to cheat i...
by sport
Sat Nov 28, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Deodorants without aluminum?
Replies: 41
Views: 3209

Re: Deodorants without aluminum?

I developed an allergy to the antiperspirant I was using. It caused itching. I switched to Crystal and have had no allergic reaction. I use the unscented variety.
by sport
Sat Nov 28, 2020 11:18 am
Forum: Personal Investments
Topic: In retirement, let stock allocation float.
Replies: 8
Views: 1133

Re: In retirement, let stock allocation float.

To answer this question, you need to choose your priorities. Are you trying to achieve capital growth, or are you trying to have capital preservation. To me, if I have achieved my retirement goals, capital preservation is more important. The general idea is not to take risk you do not need to take. ...
by sport
Fri Nov 27, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Incompatibility between vanguard.com and latest Apple Safari (14.0.1?)
Replies: 10
Views: 853

Re: Incompatibility between vanguard.com and latest Apple Safari (14.0.1?)

I have not had any problem today using Chrome to access Vanguard.
by sport
Fri Nov 27, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: How do you define "asset", "investment", and "speculation"?
Replies: 52
Views: 2488

Re: How do you define "asset", "investment", and "speculation"?

I would define speculation as a very high risk investment. An example would be a lottery ticket.
by sport
Fri Nov 27, 2020 8:39 pm
Forum: Investing - Theory, News & General
Topic: How do you define "asset", "investment", and "speculation"?
Replies: 52
Views: 2488

Re: How do you define "asset" and "investment"?

An asset is something of value. It could be a share of stock, a house, a car, or a tee shirt.
An investment is an asset that is purchased with the hope or expectation of a future increase in value.
by sport
Thu Nov 26, 2020 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card application
Replies: 14
Views: 991

Re: Credit card application

When I fill out those forms, I estimate what a reasonable number they would need to approve the card. This might vary with your location. So, if I decide that 60K would be sufficient for them, I enter $60,000+. It is truthful, if they need to verify anything, and I don't provide more information tha...
by sport
Thu Nov 26, 2020 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate inflation
Replies: 44
Views: 3601

Re: Real estate inflation

and the big one: f) Too many people in the country. Roads are massively overcrowded with horrendous traffic, housing sprawl, strain on natural resources, etc but for some reason we seem to want to cram more and more people into the country (especially big cities). More people need/want more housing...
by sport
Thu Nov 26, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: Storing Moldy Books
Replies: 20
Views: 1537

Re: Storing Moldy Books

Yes, these are manuscript materials. I didn't see a need to describe the books that I'm holding since I was asking for advice about storing moldy papers generally, but these are one of a kind records of the very early genesis of some post-war cultural organizations, all handwritten, that contain a ...
by sport
Thu Nov 26, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Real estate inflation
Replies: 44
Views: 3601

Re: Real estate inflation

As noted above, real estate is all local. In the Cleveland OH area, we have not had the inflation described by the OP. There are nice suburban communities with good schools with affordable housing. Sport - Yes we have. Check out your Zillow estimate. I have co-workers getting into bidding wars. As ...
by sport
Wed Nov 25, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: Who actually rebalanced recently?
Replies: 92
Views: 5537

Re: Who actually rebalanced recently?

I have 5% bands. I rebalanced today. It was the first time in years.
by sport
Wed Nov 25, 2020 8:07 pm
Forum: Personal Consumer Issues
Topic: Gift for departing physician
Replies: 47
Views: 3758

Re: Gift for departing physician

These are nice gifts and are not too expensive.
https://www.costco.com/CatalogSearch?de ... =vacaville
by sport
Wed Nov 25, 2020 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate inflation
Replies: 44
Views: 3601

Re: Real estate inflation

As noted above, real estate is all local. In the Cleveland OH area, we have not had the inflation described by the OP. There are nice suburban communities with good schools with affordable housing.
by sport
Wed Nov 25, 2020 5:48 pm
Forum: Personal Investments
Topic: Financial planning in the US with funds in GBP
Replies: 7
Views: 522

Re: Financial planning in the US with funds in GBP

If you convert the money to US dollars and bring the money to the US, Vanguard has Personal Advisor Service that will cost you only 0.3% per year. They will put your money into low cost index funds. Once you see how they have it set up, you have the option of continuing their service, or discontinui...
by sport
Wed Nov 25, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bank bill pay user experience
Replies: 32
Views: 1609

Re: Bank bill pay user experience

... but I think some small banks have the same sort fee (or at least did at some time in the past). I just checked, thinking maybe it had ended, but credit union still says in a footnote: There is no charge for using Bill Pay if at least two bills are paid each month; otherwise, there is a $5.95 pe...
by sport
Tue Nov 24, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank bill pay user experience
Replies: 32
Views: 1609

Re: Bank bill pay user experience

I have found that bank bill pay has two different methods of making payments, depending on the bank. When I was with bank F, they used my account number when they had to mail paper checks and the money came out of my account when the checks were cashed. Bank F was acquired by bank H. At bank H, they...
by sport
Tue Nov 24, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Contact Lenses / Glasses
Replies: 40
Views: 1928

Re: Contact Lenses / Glasses

Costco for glasses. We used to have optical insurance, but Costco was less expensive, even without the insurance.
by sport
Mon Nov 23, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Good Ceiling Fan Brands
Replies: 13
Views: 949

Re: Good Ceiling Fan Brands

...since for the other fans in the house, one of the wall switches turns the light on/off, and the other turns the fan on/off (there's a pull chain for fan speed). That is the way my fans are hooked up. However, I replaced the wall switches with 3-speed fan switches. So, I can turn the fans off/on ...
by sport
Mon Nov 23, 2020 9:09 pm
Forum: Personal Investments
Topic: Rollover IRA to Roth
Replies: 8
Views: 544

Re: Rollover IRA to Roth

Thank you David. Obviously at my age there is little future benefit to me to make the Roth conversion. Is there an advantage to my children to inherit the Roth over the rollover IRA? Thank you LarryG If you roll the TIRA to a Roth IRA, you pay the taxes. Your heirs pay no taxes on money in the Roth...
by sport
Mon Nov 23, 2020 2:37 pm
Forum: Personal Investments
Topic: When to retire - early, mid, end of year
Replies: 40
Views: 3415

Re: When to retire - early, mid, end of year

I was going to retire at the end of a year. However, the company I worked for credited the year's vacation time on the first working day of the new year. So, I waited until my return from the new year holiday and told my boss I would retire at the end of January. By doing it that way, I received my ...
by sport
Mon Nov 23, 2020 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for provider who sends bills that were paid by insurance
Replies: 9
Views: 899

Re: Suggestions for provider who sends bills that were paid by insurance

I have a Medicare Advantage Plan. When there is a billing problem, I can call the insurance company and they will put me on a 3-way call with the provider's billing office. The insurance company rep explains to the billing person what they did wrong and gets them to commit to getting it fixed. Most ...
by sport
Fri Nov 20, 2020 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Laddering Question
Replies: 13
Views: 834

Re: Life Insurance Laddering Question

You might want to price your options with annual premiums instead of monthly. It might be less expensive.
by sport
Fri Nov 20, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 19417

Re: Fed up With Flagship

We have discussed the possible problem with widows/widowers who might get taken advantage of by financial salespeople. However, there is another equally insidious possibility. Some of us, when we get older, will lose some and perhaps much of our capacity to make good judgements. From what I have re...
by sport
Fri Nov 20, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Increase FDIC insurance for living trust account
Replies: 15
Views: 667

Re: Increase FDIC insurance for living trust account

My understanding is that each category of account is insured separately. That would mean that account #2 and #3 would be insured for $10. However, I could be wrong on this.
by sport
Fri Nov 20, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 19417

Re: Fed up With Flagship

You are onto something, and maybe people clinging to their legacy Vanguard mutual fund accounts and not wanting to upgrade to brokerage accounts are still hoping somehow that will bring back the Vanguard they knew and loved 20 years ago. It won't. Perhaps if Vanguard brokerage accounts offered all ...
by sport
Fri Nov 20, 2020 7:43 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 19417

Re: Fed up With Flagship

I've never wanted or needed hand holding. My DW might. That said, a knowledgeable second set of eyes is not a bad thing. That second set of eyes might just be trying to sell your DW some expensive annuities, given the opportunity. Vanguard would not do that to her. The most Vanguard would sell is t...
by sport
Fri Nov 20, 2020 6:11 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 19417

Re: Fed up With Flagship

I've never wanted or needed hand holding. My DW might. That said, a knowledgeable second set of eyes is not a bad thing. That second set of eyes might just be trying to sell your DW some expensive annuities, given the opportunity. Vanguard would not do that to her. The most Vanguard would sell is t...
by sport
Fri Nov 20, 2020 3:07 pm
Forum: Personal Investments
Topic: Modifying a RMD to account for QCDs
Replies: 9
Views: 735

Re: Modifying a RMD to account for QCDs

I find it easier not to automate the RMDs. I just make the QCDs throughout the year, as I want to. I take the remainder of the RMD near the end of the year. I calculate how much I need to have withheld for taxes to meet the safe harbor. My safe harbor is the amount of tax I paid the previous year. S...
by sport
Fri Nov 20, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: How to remove/clean iron stains from an acrylic tub
Replies: 12
Views: 662

Re: How to remove/clean iron stains fro0m an acrylic tub

You should correct the typo in your subject line. It should be "tub", not "tube".
by sport
Wed Nov 18, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector
Replies: 26
Views: 2026

Re: Whole House Surge Protector

Since these devices, and the labor to install them, are somewhat expensive, I find it surprising that they do not make refit kits that would let you replace the failed or worn parts instead of having to replace the entire unit. It seems almost like replacing a printer because it ran out of ink. :an...
by sport
Wed Nov 18, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector
Replies: 26
Views: 2026

Re: Whole House Surge Protector

Since these devices, and the labor to install them, are somewhat expensive, I find it surprising that they do not make refit kits that would let you replace the failed or worn parts instead of having to replace the entire unit. It seems almost like replacing a printer because it ran out of ink. :ann...
by sport
Wed Nov 18, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 19417

Re: Fed up With Flagship

Based on my mother's experience, I wouldn't count on Vanguard to do much for your heirs. I don't want my investment company to do much. I just don't want them to take advantage of my heirs. Vanguard does not have salespeople that work on commission and who would like nothing more than to sell high ...
by sport
Tue Nov 17, 2020 10:10 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 19417

Re: Fed up With Flagship

Based on my mother's experience, I wouldn't count on Vanguard to do much for your heirs. I don't want my investment company to do much. I just don't want them to take advantage of my heirs. Vanguard does not have salespeople that work on commission and who would like nothing more than to sell high ...
by sport
Tue Nov 17, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 19417

Re: Fed up With Flagship

In my experience Fidelity Private Client Group rep's are top notch. Been dealing with them for two decades and never once got an uninformed rep in the PC group. The Private Client Group link on Fidelity's web site leads to Wealth Management, with a fee of 0.5% to 1.5% of assets. https://www.fidelit...
by sport
Tue Nov 17, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector
Replies: 26
Views: 2026

Re: Whole House Surge Protector

When these devices do their job and need to be replaced, do you still have electricity in the house? If so, it's not like a fuse that interrupts the circuit when it blows out.
by sport
Tue Nov 17, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 19417

Re: Fed up With Flagship

i don't know. i don't dispute that fidelity or etrade or schwab may have better customer service that vanguard at the present time. but at some point each of those companies is likely to be sold. and then i expect bad things may happen. vanguard is what it is. at least i am confident it is not goin...
by sport
Tue Nov 17, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need to set aside cash for an emergency fund?
Replies: 13
Views: 926

Re: Do we need to set aside cash for an emergency fund?

Do you have RMDs? RMDs can simply be reinvested although there may be a hefty tax bill. If so I think it would already be included in his "how little we take out each year." It just seems like 30K is a small amount for a portfolio of 5MM. It is certainly possible that OP has little or no ...
by sport
Tue Nov 17, 2020 11:13 am
Forum: Personal Investments
Topic: deleted* [Friend is getting windfall]
Replies: 7
Views: 1034

Re: Friend is getting windfall

If the money is inherited from an existing IRA, friend could maintain an inherited IRA if the money is not withdrawn from the existing IRA.