Search found 9528 matches

by sport
Sun Jul 26, 2020 9:28 pm
Forum: Personal Consumer Issues
Topic: Morgan Stanley letter about a data breach in my "former Morgan Stanley account" when I've never had one
Replies: 30
Views: 3423

Re: Morgan Stanley letter about a data breach in my "former Morgan Stanley account" when I've never had one

I think I have it. The year doesn't match up but I did work for a company that decided to go public just before the tech crash, then decided it couldn't, and issued me some worthless stock options along the way. That was probably it. Person Woman Man Camera TV You've got it! :D :D :D :beer
by sport
Sun Jul 26, 2020 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Car Purchase Advice
Replies: 10
Views: 1197

Re: Car Purchase Advice

A Lexus would be a lot more reliable than an Audi.
by sport
Sun Jul 26, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: Buying a new or used piano - advice needed
Replies: 41
Views: 1960

Re: Buying a new or used piano - advice needed

If there is a music school in your area, you could ask about buying one of their pianos. In my area, the Cleveland Institute of Music periodically has piano sales when they replace their pianos. These would be decent instruments.
by sport
Sun Jul 26, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Drop Collision Insurance?
Replies: 32
Views: 2850

Re: Drop Collision Insurance?

But if the other driver is at fault and has adequate insurance, you and your insurer will collect from that driver's insurance, so your insurer won't pay anything and you will get back your deductible. If you don't have collision insurance, you try to collect only from the at-fault driver or the dr...
by sport
Sun Jul 26, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Drop Collision Insurance?
Replies: 32
Views: 2850

Re: Drop Collision Insurance?

If I recall correctly, uninsured/underinsured motorist coverage was pretty cheap to retain (of course, my cars are old, 2003 and 2007 Honda Accords.) And uninsured/underinsured motorist coverage is actually *required* in NY can not be dropped (even if I wanted to do so, which I don´t). In my state,...
by sport
Sun Jul 26, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Coins
Replies: 28
Views: 2673

Re: Coins

One thing I never understood about coins and collecting is people paying millions for coins with errors. Two headed coins, upside down coins, etc. If the government had any brains, it would make more of those. Deficit solved. At one time, in the 1960's IIRC, the US produced one sheet of stamps with...
by sport
Sun Jul 26, 2020 10:58 am
Forum: Investing - Theory, News & General
Topic: Asset allocation in retirement
Replies: 26
Views: 2572

Re: Asset allocation in retirement

I just use a 50% stock market decline as a worst case situation. I want to be able to "stay the course" if the stock market drops 50%. So, I feel that I can live with a 17% decrease, but I would be very unhappy with larger losses. So, I set my stock allocation to 35% and I let it vary +/- 5% before ...
by sport
Sat Jul 25, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1347

Re: Refrigerator Thermometer

and you don't have plans (or do you) to immerse it in ice water and calibrate it? I thought about doing that, but the package states "do not immerse in water". Suggest you seal the thermometer in a Ziploc bag and check its reading against icewater. (32 F) Then use the difference/ offset between 32 ...
by sport
Sat Jul 25, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of CD interest
Replies: 12
Views: 1311

Re: Taxation of CD interest

Actually, the interest is taxable in the year it is received. CDs of 12 months, or less, generally pay interest at maturity. Longer CDs can pay monthly, quarterly, or semiannually. Correct but there can be ambiguity using terms paid, received, taxable, earned, credited. I have had 1099s show up for...
by sport
Sat Jul 25, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1347

Re: Refrigerator Thermometer

We set the refrigerator for 37 and the freezer for 0. We cannot do even that. The setting for the freezer is "1", "2", "3", "4", or "5". The settings for the fridge section are the same. There is no chart to tell what temperatures these numbers represent. The instructions just say to choose a lower...
by sport
Sat Jul 25, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Drop Collision Insurance?
Replies: 32
Views: 2850

Re: Drop Collision Insurance?

One other consideration is what happens if your vehicle is damaged due to some other driver's fault. In my state, I can put in a claim with my insurance company and they will deal with the other party or their insurance company. My insurance company will pay for my damage, less the deductible. If/wh...
by sport
Sat Jul 25, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1347

Re: Refrigerator Thermometer

Thanks for all the suggestions.
by sport
Sat Jul 25, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of CD interest
Replies: 12
Views: 1311

Re: Taxation of CD interest

Actually, the interest is taxable in the year it is received. CDs of 12 months, or less, generally pay interest at maturity. Longer CDs can pay monthly, quarterly, or semiannually.
by sport
Fri Jul 24, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bank autocancelled my cc - should I drop the bank?
Replies: 21
Views: 2376

Re: Bank autocancelled my cc - should I drop the bank?

...I had Citibank AAdvantage Visa and American Airlines switched to Mastercard. I called Citibank and said can I get a new Visa, I don't want Mastercard... Just out of curiosity, why the preference for Visa over MasterCard? I've always assumed they were basically identical, or am I missing somethin...
by sport
Fri Jul 24, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot leak under kitchen sink
Replies: 20
Views: 1180

Re: Troubleshoot leak under kitchen sink

Housedoc wrote: Fri Jul 24, 2020 5:15 pm A neighbor had their disposal rust out also. They purchased the same model and I installed it for them. Didn't have to swap sink drain. Just used the ring on the unit to mate it up.
I had this happen once. Since then, I make sure to get a unit with a stainless steel housing. No more rust.
by sport
Fri Jul 24, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1347

Re: Refrigerator Thermometer

I have one of these for my two deep freezers, it works great once you have it programmed. The programming is a little clunky. If you dont want the alarm feature then you dont need to worry about the programming. https://www.thermoworks.com/RT8100 Was also going to recommend thermoworks. They're big...
by sport
Fri Jul 24, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1347

Re: Refrigerator Thermometer

And do you really need a more precise number? I mean, sure, 39 is a better refrigerator temperature than 43, but how do you know what it said at 2AM? I mean, during the defrost cycle. Also, my modern refrigerator varies by more than 4 degrees over various positions. Milk in the back will often free...
by sport
Fri Jul 24, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1347

Re: Refrigerator Thermometer

crefwatch wrote: Fri Jul 24, 2020 2:34 pm and you don't have plans (or do you) to immerse it in ice water and calibrate it?
I thought about doing that, but the package states "do not immerse in water".
by sport
Fri Jul 24, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1347

Refrigerator Thermometer

We recently had to replace our refrigerator and the new one does not indicate the temperatures in the freezer nor refrigerator sections. We have an old Taylor brand dial model thermometer. However, it is so old we do not trust it. So, we looked at Amazon (we are staying home these days) and found a ...
by sport
Fri Jul 24, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank autocancelled my cc - should I drop the bank?
Replies: 21
Views: 2376

Re: Bank autocancelled my cc - should I drop the bank?

My understanding is that it is not a good idea to have your credit card in the same bank you use for checking/saving. The reason is that credit card "terms and conditions" generally contain a clause that lets the bank raid your bank accounts if you do not pay what the bank thinks you should pay on t...
by sport
Tue Jul 21, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Duct Cleaning- Your Thoughts
Replies: 37
Views: 2295

Re: Duct Cleaning- Your Thoughts

It's my understanding the that the most highly efficient (at filtering small particles) filters are not good for your system. They restrict the airflow which makes it less efficient and can damage the blower. I used to use filters with very high MERV ratings and lost a blower on a relatively new sy...
by sport
Tue Jul 21, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Duct Cleaning- Your Thoughts
Replies: 37
Views: 2295

Re: Duct Cleaning- Your Thoughts

Not sure what Duct you are talking about - if it's a dryer duct they are easy enough to clean yourself. I take off the outside cover and use a brush on a long wire designed for the purpose yearly to pull any lint out. Could also use a shop-vac. Cleaning a dryer duct is not easy for everyone. My dry...
by sport
Mon Jul 20, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car
Replies: 101
Views: 5200

Re: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car

FWIW, I just drive until I just get too tired to do it anymore and for me that is about 6 or 7 hours elapsed time including a few stops for stretching/bathroom breaks. I can't really plan since I don't know how I will feel. I'm pretty healthy and fit, and this driving pattern has been true since I ...
by sport
Mon Jul 20, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6064

Re: Walking OK with sun exposure?

Thanks. Is the vest for visibility or for some other reason. I wouldn't want anything to make me hotter. The summer sun and heat are the killer aspects. A safety vest is for visibility. The one DW uses is "electric green" and has reflective strips for night use. They come in mesh fabric for hot wea...
by sport
Mon Jul 20, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6064

Re: Walking OK with sun exposure?

If you are going to walk in the street, I suggest wearing a safety vest. DW bought one at Home Depot for this purpose. It cost only $12.
by sport
Mon Jul 20, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car
Replies: 101
Views: 5200

Re: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car

When our 2 kids were small, we traveled all over the country in a 4-door sedan. We would put the Coleman cooler between the two car seats. The cooler provided a place for our lunch food. The kids could play with their toys on top of the cooler, and it kept them from poking/annoying each other. We al...
by sport
Sun Jul 19, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 60
Views: 4152

Re: Electrical upgrades for a new build home

OP, you don't give your age. However, I suggest that having a two-story retirement house is not ideal. The older you get, the more difficult climbing the stairs becomes. Carrying laundry up and down the stairs is not the best idea either. Furthermore, if anyone ends up with knee or hip replacements,...
by sport
Sun Jul 19, 2020 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: yet another switch to fidelity thread
Replies: 11
Views: 1246

Re: yet another switch to fidelity thread

Another benefit is if I became incapacitated, my DW could walk into the Fidelity office in my town and get help with accessing everything quickly. It all looks good, except for this. "Mrs. Camillus, I am so sorry to hear about your husband. Let me help you with your investments. We have a great pla...
by sport
Sun Jul 19, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: To borrow against Whole life Cash value?
Replies: 19
Views: 1281

Re: To borrow against Whole life Cash value?

My understanding of my options with my Cash value are as follows: 1. Do nothing. Eventually my family will benefit when I sail on into the sunset. I presume you are aware that upon your death, the policy will pay only the death benefit. The "cash value" disappears. A policy will pay the death benef...
by sport
Sat Jul 18, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12372

Re: Advice on a more livable place

dukeblue219 wrote: Sat Jul 18, 2020 7:58 pm Too expensive? There's plenty of good houses in good parts of Montgomery County in the $500-$750k range. No, not Chevy Chase, but you can absolutely live here in a $600k house.
$500K would get you a large luxury house in my area. That would be in a nice suburb with good schools.
by sport
Sat Jul 18, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?
Replies: 195
Views: 16822

Re: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?

Wall sharing isn't bad if it is done properly. We live in a side-by-side duplex. The builder designed the common wall to be almost soundproof. We hardly ever hear anything through the wall. The wall consists of a double layer of 5/8 drywall, insulation, MDF board on the outside, an air space in betw...
by sport
Sat Jul 18, 2020 5:25 pm
Forum: Personal Investments
Topic: Vanguard brokerage vs old-style mutual fund account
Replies: 37
Views: 3031

Re: Vanguard brokerage vs old-style mutual fund account

Does the brokerage account allow you to set up automatic monthly exchanges between funds, as the mutual-fund account does (or did)? Thanks in advance. Yes, you can, and I do. It's simple, and it's still called an exchange, and it still happens at the end of a single trading day. That’s good news! I...
by sport
Fri Jul 17, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Spectrum Cable - Terrible Service
Replies: 8
Views: 647

Re: Spectrum Cable - Terrible Service

Spectrum took over our cable service from Time Warner. The number of channels went up and the costs went down a little. The service has been good. When I have called tech service with a minor problem, they have fixed them. So, I am satisfied. I received my monthly statement today. It announced a 3% ...
by sport
Fri Jul 17, 2020 12:04 pm
Forum: Investing - Theory, News & General
Topic: Got a call from Sharonview FCU about my CD
Replies: 8
Views: 915

Re: Got a call from Sharonview FCU about my CD

Yes, banks/CUs are all heart. I once had the bank offer to refinance my mortgage with cash out below the going rate. The only problem was that I would have to refinance at a rate 7% higher than the one I had. (the 7% is not a typo)
by sport
Thu Jul 16, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3670

Re: Repair Refrigerator?

Have you tried an independent appliance dealer, rather than a big box store? We got a washer & dryer from an independent mid-pandemic, including installation. That is what we did. We ordered a Whirlpool refrigerator a month ago on a Friday afternoon. It was delivered and installed the following Wed...
by sport
Thu Jul 16, 2020 4:44 pm
Forum: Personal Investments
Topic: Vanguard info concerning annuity handoff..
Replies: 3
Views: 466

Re: Vanguard info concerning annuity handoff..

I don't know if my experience relates to these annuities. However, I once had the misfortune of having a 401k administered by Transamerica. The only suggestion I can give is: Watch out for fees. My 401k had a wrap fee, expensive funds, and a rule that at least one half of the funds in the plan had t...
by sport
Thu Jul 16, 2020 4:38 pm
Forum: Personal Investments
Topic: Vanguard brokerage vs old-style mutual fund account
Replies: 37
Views: 3031

Re: Vanguard brokerage vs old-style mutual fund account

Limited options for reinvested dividends -- Partially agree. The only thing you can't do is automatically reinvest dividends of one mutual fund into a DIFFERENT mutual fund. Granted, that is something that some people (including me) like to do. However, you can certainly still automatically reinves...
by sport
Wed Jul 15, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3670

Re: Repair Refrigerator?

If you can procure some dry ice, that could be used to keep the refrigerator section of your unit cold enough. Freezer items would require access to another freezer.
by sport
Wed Jul 15, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage your taxes?
Replies: 65
Views: 4587

Re: How do you manage your taxes?

At the end of the year I have my expected tax payment withheld from the RMD distribution from my 401k. I am usually pretty close. It has happened that I could anticipate that it might not be enough and we just plugged in a random estimated tax payment ahead of time. Thanks DBR! I never thought of t...
by sport
Wed Jul 15, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12372

Re: Advice on a more livable place

In my area 350K will get you a beautiful 4-bedroom home in a good school district. The Cleveland suburbs have some very nice areas. The traffic is not too heavy. The medical facilitates are world-class. There is big league baseball, football, and basketball. If you don't mind the cold winters (they...
by sport
Tue Jul 14, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ever hide money from yourself?
Replies: 46
Views: 2965

Re: Ever hide money from yourself?

My father used to say: What does it mean if you put your hand in your pocket and find $10? It means you are wearing someone else's pants. :twisted:
by sport
Tue Jul 14, 2020 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Ever hide money from yourself?
Replies: 46
Views: 2965

Re: Ever hide money from yourself?

There is a related question: Now that you have reached your "number", you have the ability to take more risk with your portfolio. However, you also have less need for taking risk. So, you have to decide which makes more sense to you. I follow the philosophy that it does not make sense to take risk w...
by sport
Mon Jul 13, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Owens Corning Duration vs GAF Timberline HDZ
Replies: 10
Views: 1087

Re: Owens Corning Duration vs GAF Timberline HDZ

Also, not sure how I can get neighbor buy-in for a class 4 roof due to increased cost as we have one roof covering over 4 townhouses (we can just do our portion but I'm guessing it is better if we can do the whole building together). In our division, the roofs cover two or three homes. To avoid suc...
by sport
Sun Jul 12, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: Owens Corning Duration vs GAF Timberline HDZ
Replies: 10
Views: 1087

Re: Owens Corning Duration vs GAF Timberline HDZ

Your HO insurance company may offer a discount if you use hail-resistant shingles.
by sport
Sun Jul 12, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Advice on a more livable place
Replies: 145
Views: 12372

Re: Advice on a more livable place

In my area 350K will get you a beautiful 4-bedroom home in a good school district. The Cleveland suburbs have some very nice areas. The traffic is not too heavy. The medical facilitates are world-class. There is big league baseball, football, and basketball. If you don't mind the cold winters (they ...
by sport
Sun Jul 12, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Car, Remodel or Pool?
Replies: 74
Views: 4086

Re: Car, Remodel or Pool?

I was in this situation. We lived in a 3/2 2000sq ft house with two youg boys. They each had their own room, but I desperately needed an office. My wife wanted a pool. My parents lived out of state so a guest bedroom would be nice. We looked at a few options. We could have expanded up by finishing ...
by sport
Sun Jul 12, 2020 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cuyahoga County Tax Bills (Cleveland OH area)
Replies: 2
Views: 352

Cuyahoga County Tax Bills (Cleveland OH area)

Due to virus concerns, Cuyahoga County has changed the deadline for current real estate tax payments to August 13 for this year. I have not yet received my tax bill. Since there is an automatic 10% penalty for late payment, I want to be sure to get it paid on time. Has anyone else in Cuyahoga County...
by sport
Sun Jul 12, 2020 5:08 pm
Forum: Investing - Theory, News & General
Topic: Prime Money Market Question - where to park cash?
Replies: 12
Views: 1841

Re: Prime Money Market Question - where to park cash?

I am using Federal Short Term Bond Fund (VSGBX) in place of a MM fund. It has a duration of 2 years and an SEC Rate of 1.3%. Vanguard gives it the safest rating #1. You might want to check its volatility and see if you are comfortable with it- it should be very low. I am sure you are aware that unl...