Search found 74 matches

by frequentT
Mon Jun 22, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 21
Views: 2869

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Hi Bruce: I have done bits and pieces of your route over the years. Others have given you good input, so let me suggest a much older piece of military history that is in Bayeux <20 miles from Caen. I was there 25+ years ago and found it very impactful. If I were anywhere close I would go again. Good...
by frequentT
Tue Jun 16, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: 6 Month Away Locations
Replies: 11
Views: 1537

Re: 6 Month Away Locations

Sounds like a great adventure: Go For it! All of these suggestions are based on some amount of experience....... Your starting assortment is pretty diverse, so here is my input: Colorado: Agree w/Ft. Collins, Boulder Area has some tech overtones, also consider a small CO town like Salida CA: Beach l...
by frequentT
Sun Jun 07, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6647

Re: What Percent Of Your Annual Expenses Are Property Taxes?

8.5%

property taxes + mort. interest + med exp. = sizable 1040 deductions
by frequentT
Tue May 26, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone met with Fidelity Advisor before?
Replies: 19
Views: 2724

Re: Anyone met with Fidelity Advisor before?

You will find the Fido people very easy to work with. You have already done more prep than most so feel good about that. I would prepare two more items: (1) Your top 5 goals that require financial resources (2) 3-5 questions that you would like addressed, or if you just want 2nd opinions on your pro...
by frequentT
Mon May 11, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Epoxy garage floor?
Replies: 20
Views: 2376

Re: Epoxy garage floor?

Do it! Definitely worth the effort!

The prep is everything-take your time.

I used the HD kit. I recommend buying extra flakes so you can get 'the look' you want. If you have any areas that are extra rough or cracked, heavier flakes will disguise.

Good luck.
by frequentT
Thu May 07, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 6420

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

It is a frequent food/coffee/break stop for us also on the way to NM or CO. TX has a good place to live for everyone's taste, however, Amarillo would not make the list. Look elsewhere in TX and you will likely find 'your place'.
by frequentT
Fri Apr 17, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan help
Replies: 9
Views: 828

Re: Defined Benefit Plan help

Before you go too much further: find out if the plan has a cola provision? If so, it could knock out a lump sum option. A DB with cola is unusual, but very attractive to go for the monthly payout. Of course one must make a judgement, on health and longevity prospects as well. All in all, I like to s...
by frequentT
Mon Apr 13, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: Declining to continue Interview Process
Replies: 26
Views: 3547

Re: Declining to continue Interview Process

Whatever you say, surround it with lots of compliments and praise for target company, its business, and all of the people that you spoke to. Be sure to write thank you letters to all the key people you encountered. Many of these folks will be industry contacts, or even colleagues in the future. Beco...
by frequentT
Sun Jan 11, 2015 4:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 4574

Re: Fidelity Customers, What Do You Hold at FIDO?

I use Fido as a broker and custodian for most of my assets: I really don't pay a lot of attention to the Fidelity products/funds. I have owned their spartan funds in the past as well as their no-fee etfs. Currently, the only Fido branded fund I own is the floating rate MF. I have also owned many van...
by frequentT
Mon Dec 01, 2014 6:31 pm
Forum: Personal Consumer Issues
Topic: Downhill Skis
Replies: 10
Views: 1417

Re: Downhill Skis

A couple of thoughts for you: Skiing is an expensive sport! However, it is my favorite. Remember equipment is only one of the constituent costs in addition to transport, lift ticket$, food, and possibly lodging. Good equipment will last a long time. Spend generously and carefully on comfortable, wel...
by frequentT
Fri Sep 19, 2014 7:53 pm
Forum: Personal Consumer Issues
Topic: Home/Auto insurance: Amica or Travelers?
Replies: 26
Views: 1937

Re: Home/Auto insurance: Amica or Travelers?

I really like my local State Farm agent, however, their price increases have been VERY aggressive. After I renewed for 2014 I received Warren Buffet's shareholder letter and all became clear. Next year I will be moving a Amica. pg 7 "If our premiums exceed the total of our expenses and eventual...
by frequentT
Thu Sep 18, 2014 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4606

Re: Retiree Next Door

The Bogleheads are an exceptionally savvy group when it comes to money. They know how to invest, how to budget, and how project cash flow. Most know how to maximize their spending in ways that maximizes happiness. I am guessing the area where we all can improve is increasing our health, and living a...
by frequentT
Sat Sep 13, 2014 7:45 pm
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 6389

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Boquette, Panama: meets all your criteria + pleasant climate
by frequentT
Fri Jul 04, 2014 12:21 pm
Forum: Personal Consumer Issues
Topic: Decumulation accounts, Open Fidelity Cash MGT?
Replies: 8
Views: 1017

Re: Decumulation accounts, Open Fidelity Cash MGT?

Hello LiveSoft: I do not use the CMA account in this way, or expect it to be this accurate, time-wise. It could have something to do with the 'receivers' electronic process/completion. The full view side has this type of accuracy to track transactions (every time you 'refresh'). Since I check full v...
by frequentT
Fri Jul 04, 2014 11:37 am
Forum: Personal Consumer Issues
Topic: Decumulation accounts, Open Fidelity Cash MGT?
Replies: 8
Views: 1017

Re: Decumulation accounts, Open Fidelity Cash MGT?

I cannot say enough good things about how well Fidelity can help you manage your financial life. Their system is transparent, flexible, easy to use and help is just a phone call away. Best of all, you can see all transactions at one site. We have a fairly complex financial life; Fido's capabilities ...
by frequentT
Wed Jun 11, 2014 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: When to take a Non-COLA Pension
Replies: 17
Views: 1323

Re: When to take a Non-COLA Pension

Additionally, it is a little known fact that companies sometimes do not correctly calculate pension payouts correctly. I have a friend who is a plan manager in an actuarial firm who has seen mistakes from client company's HR departments. As DB pensions have become a rarity, HR benefit expertise has ...
by frequentT
Wed Jun 04, 2014 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: When to take a Non-COLA Pension
Replies: 17
Views: 1323

Re: When to take a Non-COLA Pension

Value Thinker makes some good comments: not many people are willing to delay SS >66. If you did, that is very valid. Also, have you gathered the survivors options? If your spouse needs to have the income and you are allowed a joint life payout, it could impact your decision. Additionally, it is a li...
by frequentT
Sun May 11, 2014 9:54 pm
Forum: Personal Consumer Issues
Topic: Why do these people want to buy my home?
Replies: 24
Views: 4570

Re: Why do these people want to buy my home?

I receive these letters at least 1x a year for an investment property that I own. When I have time I reply with the following form letter--never received a reply, but at least I give them something to do......... +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++...
by frequentT
Wed Apr 09, 2014 4:36 pm
Forum: Personal Consumer Issues
Topic: Property and Causalty Insurance
Replies: 4
Views: 449

Re: Property and Causalty Insurance

Thanks for the suggestions! The comparison chart of companies was helpful; it is more or less in-line with other ratings I have seen for autos. Though I did not word my request carefully enough, I am looking for a fill-in myself spreadsheet to compare quotes by line item and perhaps qualitative info...
by frequentT
Wed Apr 09, 2014 12:19 pm
Forum: Personal Consumer Issues
Topic: Property and Causalty Insurance
Replies: 4
Views: 449

Property and Causalty Insurance

I am beginning a search for alternative insurance carriers. I have been a State Farm policy holder since 1982. State Farm has increased our HO policy by 15%+ pa for the last 3 years. Last year, I moved our umbrella policy to Marsh (corp. group policy) due to the same price increase issues. We have n...
by frequentT
Tue Apr 08, 2014 10:47 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 79117

Re: Mr. Money Mustache: Hero or Foolish?

How could you not like this guy? He has a philosophy, a point of view, and he sticks to it. Many people, particularly those starting careers with debt could learn a lot from him. Many of the young material accumulators will be a long time realizing there is an alternative approach. MMM should be rec...
by frequentT
Mon Mar 31, 2014 9:28 pm
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 3560

Re: Purchasing New Tires for Car and Need Suggestions

I recently bought Pirelli tires at Discount Tire after some diligent shopping. I am usually not a performance tire guy, however, Nissan specified this size and speed rating for my AWD vehicle. I do a good bit of highway driving, mountain driving and occasionally drive in snow on ski trips. 2500 mi. ...
by frequentT
Mon Feb 24, 2014 10:15 pm
Forum: Personal Consumer Issues
Topic: Unexpected vacation opportunity.
Replies: 13
Views: 1725

Re: Unexpected vacation opportunity.

What an opportunity!

Australia is the place: overnight flight from CA, all of tour outdoor sports can be done there with excellent infrastructure/support.

Very friendly natives!
by frequentT
Thu Feb 06, 2014 10:28 pm
Forum: Personal Consumer Issues
Topic: Your Experience With Costco Mail Order Pharmacy?
Replies: 10
Views: 1308

Re: Your Experience With Costco Mail Order Pharmacy?

Both Costco retail and mail order can beat our insurance plan often on price for generics. Mail order Costco is easy to deal with and offers very prompt fulfillment and shipping. Don't hesitate to use them.
by frequentT
Fri Dec 27, 2013 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Buying individual bonds for retail investor
Replies: 93
Views: 4463

Re: Buying individual bonds for retail investor

All of your requirements can be done via the Fidelity website. There are adequate new issue bonds to build your portfolio over time. Their bond portfolio analysis tool is excellent and will allow you to slice and dice your portfolio to look at it in a way that works for you. Graphic or tabular. They...
by frequentT
Sun Dec 08, 2013 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmaceutical Co-pay Coupon
Replies: 11
Views: 866

Re: Pharmaceutical Co-pay Coupon

None of the parties to this RX transaction own the high moral ground: Medicare/the government taxpayer/voter the insurance company the pharmacy the pharmaceutical manufacturer They all have their own perverse reasons for behaving the way that they do. The physician accepts the coupon in order to hel...
by frequentT
Mon Dec 02, 2013 5:39 pm
Forum: Personal Consumer Issues
Topic: buying car from dealership not close to your house?
Replies: 39
Views: 2726

Re: buying car from dealership not close to your house?

I have shopped away from the closest the last 2x and would not hesitate to do it again: Purchased: Volvo= 140 mi. for $1150 savings Nissan= 35 mi for $1270 Both local service departments have been very happy to have the business, particularly the Volvo dealer. I have only been to the Nissan dealer o...
by frequentT
Fri Nov 29, 2013 12:07 pm
Forum: Personal Consumer Issues
Topic: AWD (All Wheel Drive): cost and safety
Replies: 20
Views: 2043

Re: AWD (All Wheel Drive): cost and safety

I was shopping for a rwd Nissan, however, the dealer offered awd for the same price and I took it. About 1 mph less.

IMO, if you are in snow just 1-2x a year, its worth it. We have had the fwd capability pull us out of parking sports where the rw could not get traction.
by frequentT
Thu Nov 28, 2013 7:09 pm
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 12308

Re: Eyeglass Lenses @ Costco

Costco Optical is excellent. Staff is well trained and aim to please. We have given them challenging assignments and they have been able to meet them all: from single vision, progressives, adjustments for computer monitors, RX sunglasses, high refractive index lenses. Experts I know in the field tel...
by frequentT
Mon Nov 25, 2013 3:35 pm
Forum: Personal Consumer Issues
Topic: COBRA Questions
Replies: 19
Views: 1847

Re: COBRA Questions

I have been in this situation 3x and can give you input from a lot of experience with corp. supplied healthcare. 1. Yes, there is opportunity to 'game the system' or I would be more professional, and say 'hedge your bets' or PROTECT your family, and your budget, whatever gaming is required. 2. Corp....
by frequentT
Fri Nov 01, 2013 6:17 pm
Forum: Investing - Theory, News & General
Topic: How much Total Bond fund to produce $10k of steady income
Replies: 38
Views: 3929

Re: How much Total Bond fund to produce $10k of steady incom

I suggest a laddered portfolio of individual quality bonds. Then you will not have to worry about risk of principle decline as rates rise. You control the interest rate, maturity, and duration. With $400-500k to invest you can diversify. Visitors to this site love bond funds vs. individual bonds, so...
by frequentT
Tue Oct 29, 2013 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Robust Spread Sheet Analytical Tool?
Replies: 2
Views: 387

Re: ACA Robust Spread Sheet Analytical Tool?

I was surprised to find no Platinum plans on-offer in our area. I was expecting to buy a platinum.....
by frequentT
Tue Oct 29, 2013 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Robust Spread Sheet Analytical Tool?
Replies: 2
Views: 387

ACA Robust Spread Sheet Analytical Tool?

I am seeking a spread sheet model that perhaps someone has built, or found, to help me select the best plan for my spouse and I. The simple tools on healthcare.gov and Kaiser Foundation are just too superficial for the job. We consume a lot of healthcare service. We have very complete historical dat...
by frequentT
Sat Jul 13, 2013 10:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Kotlikoff
Replies: 17
Views: 2268

Re: Larry Kotlikoff

I have alot of respect for Prof. Kotlikoff. The ESP software is very robust and was very helpful in discussions with my CPA regarding tax planning. It provided another retirement planning forecast that validated several others that I had done using other methodologies. It gave me confidence in my pl...
by frequentT
Fri Jun 21, 2013 7:51 pm
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 44973

Re: Premium Products That Are Worth It To You

Patagonia Goretex rain jacket Smart wool socks--they have a sock for every occasion, and they are cooler in summer Kean shoes Osprey Duffel Bags Spectacles: lightest possible frames with high index lenses from Costco; their opticians aim to please! Apple notebooks--get the extra warranty Battery dri...
by frequentT
Fri Jun 21, 2013 7:23 pm
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 7437

Re: Cheap Razors

You can also extend blade life by shaking out excess water after using, tamping it on a towel, and giving it an air blast from a can of dust off with the red concentrator tip attached to the can's nozzle: Nice and dry = longer life.
by frequentT
Thu May 09, 2013 12:20 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 18
Views: 2468

Re: LED light bulbs: on line shopping destination

For the outdoor application, we have 'coach lanterns' that require the small threaded stems with the candle globes (not the flickering type). I purchased a 3 pack for about $18 about 4 months ago. Went back and it looks like Costco has discontinued. Maybe not a fast enough mover....... I put 2 in on...
by frequentT
Thu May 09, 2013 10:23 am
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 18
Views: 2468

LED light bulbs: on line shopping destination

I have gradually been converting my home lighting over to LEDs. LEDs have been very impressive in those areas where a particularly bright light is needed, ie. kitchen and baths. My outdoor lights that I have recently put on timers for convenience and security are next to be upgraded since they are o...
by frequentT
Mon May 06, 2013 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: HOWTO roll your own high-level munis fund?? Help appreciated
Replies: 19
Views: 1602

Re: HOWTO roll your own high-level munis fund?? Help appreci

All of your requirements can be done via the Fidelity website. There are adequate new issue bonds to build your portfolio over time. Their bond portfolio analysis tool is excellent and will allow you to slice and dice your portfolio to look at it in a way that works for you. Graphic or tabular. They...
by frequentT
Wed Apr 17, 2013 9:29 pm
Forum: Personal Consumer Issues
Topic: Invest to Win: Earn & Keep Profits in Bull & Bear Markets wi
Replies: 4
Views: 740

Invest to Win: Earn & Keep Profits in Bull & Bear Markets wi

Has anyone read this book? I heard an interview with the author today. It sounded interesting.
Thanks for your comments! :happy
by frequentT
Sun Apr 14, 2013 9:47 pm
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 11782

Re: Post your asset allocation here:

small cap growth 1% mid-cap growth 1% large cap growth 10% small cap value 1% mid cap value 2% large cap value 24% US Equity 39% Int. 5% emerging 1% Int. Equity 7% TOTAL EQUITY 46% real estate 1% precious metals 1% cash 7% bond 46% TOTAL 100%
by frequentT
Fri Mar 15, 2013 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 1049

Re: Portfolio Advice for Upcoming Life Events

Durham real estate: lease to own would make sense if you can get monthly lease payments close to breakeven on cash flow. It can be advantageous for the seller and buyer if both get what they need. The contract terms have to satisfy both. If you have renter/buyer who does not have the down payment an...
by frequentT
Tue Mar 12, 2013 10:08 pm
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 6756

Re: europe trip

Not much direction given, so here are a few ideas your time is short so don't try to go so far; France has so much variety in one country, its hard to beat. If you want to train, the TGV will take you anywhere quickly Countryside, small towns are good---boring for your kids? Loire Valley good starti...
by frequentT
Tue Mar 12, 2013 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 1049

Re: Portfolio Advice for Upcoming Life Events

Hockey Fan: Overall, you two are doing a very good job with finances. I have spent significant parts of my corp. career in both NC and CA so I will give you some different ideas. I still own a house in Raleigh as a rental. (no mortgage). It has always been my emergency shelter if a corp. job blew up...
by frequentT
Tue Mar 12, 2013 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Cost - Is Agent upset he lost auto business
Replies: 13
Views: 1720

Re: Umbrella Cost - Is Agent upset he lost auto business

I have been a State Farm policy holder for 25+ years. However, I have never made a claim, so I can't judge that side. I have been getting consistent and sometimes high prices increases on homeowners and umbrella. Cars have stayed pretty flat in premiums Last year I shopped policies with Geico and Am...
by frequentT
Mon Feb 11, 2013 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1913

Re: Critique My Rebalancing Spreadsheet

Enjoyed seeing your spreadsheet design! Very creative and elegant! Hope it helps you better manage your assets. One suggestion: consider using google docs and you will be able to have your fund prices downloaded automatically and save you the manual labor of inputting and also transcription errors. ...
by frequentT
Sun Jan 20, 2013 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: AAII- AmericanAssociation Individual Investors
Replies: 16
Views: 1117

Re: AAII- AmericanAssociation Individual Investors

AAII is a very worthwhile organization. Most investors who visit this forum would enjoy their membership. Depending on where you live, you could have a very good local chapter. The chapters meet 8-9x/yr with some very interesting guest speakers. Visiting forums on-line is good, but live meetings wit...
by frequentT
Fri Dec 07, 2012 7:23 pm
Forum: Personal Consumer Issues
Topic: Internet Car Buying- Lessons Learned
Replies: 49
Views: 9642

Re: Internet Car Buying- Lessons Learned

I have purchased 2 cars in the last 18 months and assisted a friend with purchasing a car (Mini Cooper). All cars were purchased using the internet for a significant portion of the pricing research, gathering quotes, negotiations and setting up the purchase and pick-up. Here are my findings: The bra...
by frequentT
Mon Nov 26, 2012 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Input on Selling Inv. Property (w/owner financing)
Replies: 1
Views: 190

Input on Selling Inv. Property (w/owner financing)

I have received a surprise offer on a townhouse condominium that I have owned for many years. My CPA has advised to do owner financing, and I readily agree. The buyer and his bride to be intend to live in the property (the man will purchase before marriage and the property will be held in his name)....
by frequentT
Thu Nov 08, 2012 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking opinions on Ally Bank
Replies: 16
Views: 2922

Re: Seeking opinions on Ally Bank

I am a frequent overseas traveler. I rely on the Fidelity Smart (debit + ATM) Card. Fido reimburses for USA and foreign ATM fees, and the currency exchange rate is at inter-bank rate. To reduce risk of fraud, I keep $200-$500 in the account and replenish by transfer periodically from another Fido ac...

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