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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 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Decumulation accounts, Open Fidelity Cash MGT?
Replies: 8
Views: 820

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
Fri Jul 04, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Decumulation accounts, Open Fidelity Cash MGT?
Replies: 8
Views: 820

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 11, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to take a Non-COLA Pension
Replies: 17
Views: 1174

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
Wed Jun 04, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to take a Non-COLA Pension
Replies: 17
Views: 1174

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
Sun May 11, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Why do these people want to buy my home?
Replies: 24
Views: 4376

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 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Property and Causalty Insurance
Replies: 4
Views: 391

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
Wed Apr 09, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Property and Causalty Insurance
Replies: 4
Views: 391

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
Tue Apr 08, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 34733

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 Mar 31, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2599

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
Mon Feb 24, 2014 11:15 pm
 
Forum: Personal Consumer Issues
Topic: Unexpected vacation opportunity.
Replies: 13
Views: 1650

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
Thu Feb 06, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Your Experience With Costco Mail Order Pharmacy?
Replies: 10
Views: 1146

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
Fri Dec 27, 2013 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying individual bonds for retail investor
Replies: 93
Views: 4055

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
Sun Dec 08, 2013 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pharmaceutical Co-pay Coupon
Replies: 11
Views: 708

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
Mon Dec 02, 2013 6:39 pm
 
Forum: Personal Consumer Issues
Topic: buying car from dealership not close to your house?
Replies: 39
Views: 2441

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
Fri Nov 29, 2013 1:07 pm
 
Forum: Personal Consumer Issues
Topic: AWD (All Wheel Drive): cost and safety
Replies: 20
Views: 1804

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
Thu Nov 28, 2013 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 6279

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
Mon Nov 25, 2013 4:35 pm
 
Forum: Personal Consumer Issues
Topic: COBRA Questions
Replies: 6
Views: 422

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
Fri Nov 01, 2013 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: How much Total Bond fund to produce $10k of steady income
Replies: 38
Views: 3845

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 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Robust Spread Sheet Analytical Tool?
Replies: 2
Views: 345

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
Tue Oct 29, 2013 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Robust Spread Sheet Analytical Tool?
Replies: 2
Views: 345

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
Sat Jul 13, 2013 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Larry Kotlikoff
Replies: 17
Views: 2154

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 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 38494

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
Fri Jun 21, 2013 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 6630

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 1:20 pm
 
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 12
Views: 1469

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
Thu May 09, 2013 11:23 am
 
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 12
Views: 1469

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
Mon May 06, 2013 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: HOWTO roll your own high-level munis fund?? Help appreciated
Replies: 19
Views: 1539

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
Wed Apr 17, 2013 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Invest to Win: Earn & Keep Profits in Bull & Bear Markets wi
Replies: 4
Views: 696

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
Sun Apr 14, 2013 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 11466

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
Fri Mar 15, 2013 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 975

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 11:08 pm
 
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 5734

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 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for Upcoming Life Events
Replies: 10
Views: 975

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
Tue Mar 12, 2013 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Cost - Is Agent upset he lost auto business
Replies: 13
Views: 1631

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
Mon Feb 11, 2013 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Critique My Rebalancing Spreadsheet
Replies: 23
Views: 1666

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
Sun Jan 20, 2013 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAII- AmericanAssociation Individual Investors
Replies: 16
Views: 1013

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
Fri Dec 07, 2012 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Internet Car Buying- Lessons Learned
Replies: 49
Views: 8524

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
Mon Nov 26, 2012 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Input on Selling Inv. Property (w/owner financing)
Replies: 1
Views: 154

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...
by frequentT
Thu Nov 08, 2012 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking opinions on Ally Bank
Replies: 16
Views: 2726

Re: Dear Bogleheads - time to pony up

In the mail**********Thanks for the good work!

Really missed the site when it was down!
by frequentT
Tue Nov 06, 2012 6:22 pm
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 15261

Re: Jamaica Vacation - Any tips?

My best advice:

DON'T GO!
DON'T LOOK BACK!

Choose almost anywhere else in the Caribbean and you will be way ahead!
by frequentT
Mon Oct 29, 2012 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 4408

Re: Personal financial account aggregation software

I also recommend Full View from Fidelity. It runs on yodalee's backbone and is very good with transaction aggregation. I had problems with Mint with missing expense transactions and found Full View to be much more reliable. Previously, I tried ibank and found it to be disappointing. Fidelity is cust...
by frequentT
Sun Oct 28, 2012 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal financial account aggregation software
Replies: 27
Views: 4756

Re: Have you ever itemized medical deductions?

Its not as difficult as it seems if you are paying for your own health insurance + specialty care + diagnostic procedures+ expensive medications. It is easy to document if you keep good records. With good record keeping we find medical billing errors and insurance company errors every year.
by frequentT
Sun Sep 23, 2012 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever itemized medical deductions?
Replies: 42
Views: 2269

Re: France Rental Car

Yes, a stick transmission is what I prefer in France. We will be in the foothills of the Pryrenees Mtns. in Languedoc so a stick will perform a bit better for us. About 5 years ago we rented a stick shift Volvo s40 with a diesel engine in Barcelona to tour the Catalan coast, Langeudoc and make a swi...
by frequentT
Sat Sep 22, 2012 12:54 pm
 
Forum: Personal Consumer Issues
Topic: France Rental Car
Replies: 13
Views: 704

Re: France Rental Car

Thanks for the input! I was able to book what I was looking for via CarRentals.com and lower my all inclusive daily rate down to US$39 for a standard/intermediate. Never had good luck with that site for domestic rentals. The car will be with National. I have used them in France before and had good e...
by frequentT
Fri Sep 21, 2012 3:20 pm
 
Forum: Personal Consumer Issues
Topic: France Rental Car
Replies: 13
Views: 704

France Rental Car

My wife and I will be traveling in France with another couple in October for 9 days and will need to rent an intermediate/standard size car in Toulouse. We are staying in a house in a small town Languedoc and need to have a car to get us around. I have been comparing prices on the web at various sit...
by frequentT
Thu Sep 20, 2012 10:47 pm
 
Forum: Personal Consumer Issues
Topic: France Rental Car
Replies: 13
Views: 704

Re: Parents downsizing - best shipping options

Just completed the same task. We packed out the goods we wanted the keep and had movers bid the job. United did the job in 2 smaller size crates that were loaded on site and shipped NC to TX, ~1000 miles, 1400 lbs. for $1200 including full replacement insurance. We had their guys pack two cartons of...
by frequentT
Mon Sep 17, 2012 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Parents downsizing - best shipping options
Replies: 17
Views: 1245

Re: Insurance - Statefarm / Amica

I have been a State Farm customer for 30+ years. At comparison shop their rates about every year since insurance is one of our large budget items. We have residence, autos, umbrella and rental property to insure. Amica has been cheaper on autos, more expensive on the umbrella and rental property. Wh...
by frequentT
Sat Aug 04, 2012 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance - Statefarm / Amica
Replies: 46
Views: 7331

Re: Preferred portfolio tracker?

Google docs is the way to go. All the third party trackers I have tried have flaws, short-comings or biases. I do use M* to track my dividend paying stocks in order to have another view at the yield/payouts. The real advantage to Gdocs is that you use continuous improvement to get it exactly the way...
by frequentT
Tue May 29, 2012 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Preferred portfolio tracker?
Replies: 9
Views: 854

Re: NY Times article: "More Investors Fleeing Stocks"

Yes, I can't say how many times this year I have read this finding, or is it an observation. Usually, it accompanied by a statement how investors are 'flocking to' bond funds (with loads of lament by journalists and market commentators, or an outright inference that individual investors are stupid)....
by frequentT
Tue May 29, 2012 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times article: "More Investors Fleeing Stocks"
Replies: 29
Views: 3256

Re: Anyone use both Mac and PC?

I'll say it a little differently: The best PC is a Mac. Get a Mac and install VM virtualization software and have the best of both. I run Fidelity's active trader pro on my Macbook Pro which is available for only for PCs. The web based version of the program is not as robust. ATP is the only program...
by frequentT
Wed May 23, 2012 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Anyone use both Mac and PC?
Replies: 29
Views: 1853

Re: google spreadsheet function, 'GoogleFinance'

Google spreadsheets are wonderful and almost unlimited in what you can track and/or calculate. There are some master spreadsheet jockeys over on the M* forum if you are a member there that have some good 'public samples' that you can download and build off of. If you are used to working in excel and...
by frequentT
Sun May 06, 2012 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: google spreadsheet function, 'GoogleFinance'
Replies: 47
Views: 6806
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