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Re: Financing a classic vehicle?

Typing in "financing a classic car" in Google search bar comes up with 4,000,000 hits.

You might start there.
by rotorhead
Sat Apr 20, 2013 10:00 am
 
Forum: Personal Consumer Issues
Topic: Financing a classic vehicle?
Replies: 13
Views: 830

Re: Fired my Smartphone Carrier

This is another great discussion on cell phone costs. After 18 years as AT&T customer, we switched to Consumer Cellular the first of this year. We had long been out of contract, and purchased new unlocked phones. When we plugged the SIM cards in, AT&T automatically billed us $20 each per pho...
by rotorhead
Mon Mar 18, 2013 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Fired my Smartphone Carrier
Replies: 39
Views: 2968

Re: RMD from Trad IRA: Use Stocks or Bonds ??

121Osda, I started my RMD in February 2012. The tax implications don't matter, long or short term. Any withdrawal from an IRA is taxable, and must be reported on Line 15a of your 1040. (The IRS have been eagerly waiting for their share all these years!) I decided to do a monthly withdrawal; and spok...
by rotorhead
Sat Feb 16, 2013 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD from Trad IRA: Use Stocks or Bonds ??
Replies: 5
Views: 368

Re: Should I take the full-time offer?

Do not accept this offer! Your boss is a person of weak character, and is not to be trusted in this matter. From what you've said, you have more to offer them than they do you. Don't sell yourself short.
by rotorhead
Fri Feb 01, 2013 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take the full-time offer? Results!
Replies: 43
Views: 3713

Re: Florida Home Owners Insurance

Some good responses to your question here. There was a thread just recently on this subject. Here is link to my comment at the time: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=106745#p1556573 Florida is a large state, with a lot of variety; and whatever your likes are, you can find the ...
by rotorhead
Wed Jan 30, 2013 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Florida Home Owners Insurance
Replies: 8
Views: 742

Re: Other cell providers for existing Sprint smartphone?

You won't be able to use their service with your current CDMA phone; you'll need a GSM capable phone. But take a look at Consumer Cellular. For low usage customers they offer a pretty good service. We just switched over to them a month ago, after 20 years with AT&T; and could not be more pleased...
by rotorhead
Wed Jan 23, 2013 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Other cell providers for existing Sprint smartphone?
Replies: 8
Views: 607

Re: Heads Up - Rude Vanguard Rep

I have had a number of phone exchanges with Vanguard on several different matters in the past year; all were most satisfactory. Same thing with Fidelity. If one has a serious enough gripe with them to [complain (edit by admin LadyGeek)] about it publicly, I should think the appropriate action would ...
by rotorhead
Wed Jan 23, 2013 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Heads Up - Rude Vanguard Rep
Replies: 12
Views: 1601

Re: My (horrible) experience with Vanguard

I might as well throw my experiences with Vanguard and Fidelity into this discussion – it might be helpful to the OP, or others. In 2012, I: 1) Opened a joint account with my mother at Vanguard, to invest in bond fund with dividends to be paid into her checking account monthly. Spoke to relevant VG ...
by rotorhead
Sat Jan 12, 2013 8:50 pm
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9460

Re: Doing your taxes yourself vs. w/ a CPA: a test run

icedtea, here is link to a thread with similar question from last year. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=83502 Doing your own taxes is not difficult to do, especially with the software that is available these days. I've used Quicken's TurboTax, and H & R Block's Tax Cut. T...
by rotorhead
Fri Jan 04, 2013 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing your taxes yourself vs. w/ a CPA: a test run
Replies: 42
Views: 4412

Re: What's the cheapest cell phone if you don't need minutes

Colorado13, take a look at Consumer Cellular, http://www.consumercellular.com/ . I've been using them the past month on a trial basis with a Blackberry 8900, and just today made the decision to switch from AT&T to them. They package their plans in small enough doses to suit our requirements; and...
by rotorhead
Wed Jan 02, 2013 10:54 pm
 
Forum: Personal Consumer Issues
Topic: What's the cheapest cell phone if you don't need minutes?
Replies: 82
Views: 7605

Re: What was your 2012 return?

My 65/35 equity/bond allocation returned a very nice 13% in 2012. However, I am in first year of required withdrawal of 4%; so my net was 9%. I could stand similar performance for the next few years without complaining.
by rotorhead
Wed Jan 02, 2013 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 18536

Re: RANT - 2013 Florida Home Insurance Rate Increase

ROTORHEAD - they are some good rates you have. My flood insurance is the same - I don't even include it in my discussions b/c it is cheap. Are you 1.5 miles from the ocean, or the intercoastal waterway? BarbK, we're about 1/4 mile west of the Intracoastal Waterway, and about 1 1/4 miles straight li...
by rotorhead
Tue Jan 01, 2013 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 4738

Re: How to get Ken Fisher Investment off my back?

Hey BHCadet, did you get your free binoculars yet? I got a pair some years ago from Fisher, for "spotting those great investment opportunities." Pretty nice actually - pocket size, great for taking to the theater. I've used them several times. I got on their list 9-10 years ago, when I was...
by rotorhead
Sun Dec 30, 2012 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get Ken Fisher Investment off my back?
Replies: 55
Views: 13233

Re: RANT - 2013 Florida Home Insurance Rate Increase

Very much appreciate the dilemma of OP re insurance costs in FL. There are some very good comments and information given in the thread, especially those of BigOil. In FL the cost of Windstorm insurance is a highly politicized issue; and there doesn’t seem to be any solution that will satisfy everyon...
by rotorhead
Mon Dec 17, 2012 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: RANT - 2013 Florida Home Insurance Rate Increase
Replies: 40
Views: 4738

Re: Expense Ratios

My weighted ER is 0.18 presently, according to M*. Will re-balance before year end, and do some other tweaking that I expect will reduce the ER a bit further.
by rotorhead
Thu Dec 13, 2012 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 3933

Re: Please help me celebrate [Mortgage to be Paid Off]

Congratulations stemikger! You won't believe how wonderful it will be having that behind you. We passed that milestone 3 years ago; and it's a great feeling, believe me!
by rotorhead
Sun Dec 09, 2012 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help me celebrate [Mortgage to be Paid Off]
Replies: 48
Views: 2809

Re: Boost Mobile/Straight Talk....opinions

ualdriver » Sun Dec 02, 2012 8:03 pm rotorhead wrote:You're welcome. It's hard to get visibility into what all the real costs, the way all the packages are offered. One thing that really burns me is the taxes and fees that are levied on cell phones; total of 16% here in Florida. I'm not rushing int...
by rotorhead
Sun Dec 02, 2012 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Boost Mobile/Straight Talk....opinions
Replies: 31
Views: 5310

Re: Boost Mobile/Straight Talk....opinions

Post by ualdriver » Sun Dec 02, 2012 7:02 pm rotorhead wrote:ualdriver, I don't want to hijack your thread; but did you look at Consumer Cellular also? According to Consumers Reports they are the top rated service provider in the country. I'm curious about them because we are long time AT&T cus...
by rotorhead
Sun Dec 02, 2012 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Boost Mobile/Straight Talk....opinions
Replies: 31
Views: 5310

Re: Boost Mobile/Straight Talk....opinions

ualdriver, I don't want to hijack your thread; but did you look at Consumer Cellular also? According to Consumers Reports they are the top rated service provider in the country. I'm curious about them because we are long time AT&T customer who are looking for lower cost options as well - don't n...
by rotorhead
Sun Dec 02, 2012 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Boost Mobile/Straight Talk....opinions
Replies: 31
Views: 5310

Re: Am I crazy?

Perhaps someone will prove me wrong on this by posting a link, but I think it's telling that basically no one other than bloggers, posters and financial writer's looking for something to write about has ever proposed the idea that Roth withdrawals could be subject to a "special" tax. Take...
by rotorhead
Thu Nov 29, 2012 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I crazy?
Replies: 38
Views: 2622

Re: Budgeting Tools

I use Quicken for portfolio management, but don't find its budgeting tools all that helpful. It's tax planner is a bit better. I made my own budget spread sheets using Excel; a great program. I created a monthly spread sheet for day to day expenses. At the end of the month I transfer the totals to a...
by rotorhead
Thu Nov 29, 2012 10:22 am
 
Forum: Personal Consumer Issues
Topic: Budgeting Tools
Replies: 18
Views: 1085

Re: Sock questions

Try Gold Toe socks. Not too expensive; and very good for business wear, and/or casual. http://www.goldtoe.com/categories/GoldToe/Men/Socks.

Very comfortable.
by rotorhead
Mon Oct 22, 2012 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Sock questions
Replies: 55
Views: 3501

Re: Twins on the way!! Need term life insurance

Congratulations epimedium, on the twins. All your joys will be doubled!! Re: Twins on the way!! Need term life insurance Post by dhodson » Mon Oct 22, 2012 5:58 pm you should use term4sale to give you an idea of what's out there. then talk to an independent agent to get you the best deal. If they ar...
by rotorhead
Mon Oct 22, 2012 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Twins on the way!! Need term life insurance
Replies: 18
Views: 1279

Re: Looking for a Good Historical Fiction Series

Looking for a Good Historical Fiction Series Unread postby gatorman » Sat Oct 06, 2012 10:16 am I like the 18th century as a time frame, Europe or N. America as a geographical area, military action/espionage as a background theme, but I'm open to other areas/timeframes/themes. I really like nautica...
by rotorhead
Sat Oct 06, 2012 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a Good Historical Fiction Series
Replies: 48
Views: 3649

Re: Average Age of Bogleheads Posters

A very young 71 here. Interplanetjanet stated it very well I think: Re: Average Age of Bogleheads Posters Unread postby interplanetjanet » Tue Sep 25, 2012 1:57 am One of the things that I enjoy about this forum is that the posters form a different sort of cross-section of society than they do elsew...
by rotorhead
Sat Oct 06, 2012 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Average Age of Bogleheads Posters
Replies: 77
Views: 6093

Re: Fidelity AND Vanguard

Re: Fidelity AND Vanguard Post by peppers » Sat Oct 06, 2012 9:25 am Fidelity and/or Vanguard, tools to use, nothing more. Well stated. My wife and I have accounts at Schwab, Vanguard, USAA and Fidelity; and have had no issues with any of them. Each is pretty much what you make of it. We likely wil...
by rotorhead
Sat Oct 06, 2012 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity AND Vanguard
Replies: 58
Views: 5814

Re: Buying a Certified Pre-Owned BMW

Hi DJB, I may be castigated for saying so; but if that's an itch you must scratch; then I say go for it. Our investment philosophy is Bogleheadian(?), and we are doing OK; but my wife and I like to drive nice cars. I bought a 1995 BMW 525i in 1998, as a CPO; and drove it for 12 years. Was a wonderfu...
by rotorhead
Sat Oct 06, 2012 9:21 am
 
Forum: Personal Consumer Issues
Topic: Buying a Certified Pre-Owned BMW
Replies: 54
Views: 4870

Re: Any New Zealand tips?

Raybo, those are good tips on NZ from Random Poster and Lon. I have fond memories of both Norway and NZ. Norwegian experience was mostly in Stavanger, on the Southwest coast - same latitude as Anchorage, Alaska. Lovely city, with lousy weather most of the time; wind and rain more so than snow. Few d...
by rotorhead
Wed Sep 26, 2012 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Any New Zealand tips?
Replies: 23
Views: 1469

Re: Any New Zealand tips?

I was last there ten years ago. It's a beautiful country, great food (especially if you like lamb); and wonderful, well mannered people. Christchurch and Queenstown, both on the South Island, are my two favorite cities. Nelson is a very pretty little town. Park Royal Hotel in Christchurch was really...
by rotorhead
Wed Sep 26, 2012 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Any New Zealand tips?
Replies: 23
Views: 1469

Re: Homeowners Insurance replacement cost

Re: Homeowners Insurance replacement cost Post by THY4373 » Mon Sep 24, 2012 9:32 am I had this problem with USAA they put my house at least 250k above what was the likely market value including the land. Now the house is a well built house from the 1980s (fairly high end for the time) but nothing ...
by rotorhead
Mon Sep 24, 2012 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance replacement cost
Replies: 24
Views: 1250

Re: How Many Mutual Funds Do You Own?

Stuck with taxable funds. Post by Taylor Larimore » Sat Sep 22, 2012 5:06 pm rotorhead wrote: Abuss: We hold seven funds including a money-market fund. If we could start over we would own only these three: THE THREE FUND PORTFOLIO Best wishes. Taylor Taylor, I am intrigued by your comment about mov...
by rotorhead
Sat Sep 22, 2012 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Mutual Funds Do You Own?
Replies: 95
Views: 3136

Re: What financial podcasts do you listen to?

I occasionally listen to Gary Kaltbaum, Business Talk Radio http://www.businesstalkradio.net/weekday_host/Archives/gk.shtml . He's not a Boglehead; but overall pretty sensible investing advice, and has a reasonable track record. He does spend a fair amount of time ranting about the "idiots in W...
by rotorhead
Sat Sep 22, 2012 11:27 am
 
Forum: Investing - Theory, News & General
Topic: What financial podcasts do you listen to?
Replies: 21
Views: 2178

Re: How Many Mutual Funds Do You Own?

The Three Fund Portfolio Post by Taylor Larimore » Sat Sep 22, 2012 8:12 am Abuss: We hold seven funds including a money-market fund. If we could start over we would own only these three: THE THREE FUND PORTFOLIO Best wishes. Taylor Taylor, I am intrigued by your comment about moving to 3 funds. Ha...
by rotorhead
Sat Sep 22, 2012 11:01 am
 
Forum: Investing - Theory, News & General
Topic: How Many Mutual Funds Do You Own?
Replies: 95
Views: 3136

Re: Will you get an iPhone 5?

I think this says it all. I couldn't get the image to copy, just the link.

Take a look; it's pretty funny.

http://www.gocomics.com/nonsequitur/2012/09/16
by rotorhead
Sun Sep 16, 2012 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Will you get an iPhone 5?
Replies: 108
Views: 5340

Re: Neil Armstrong, First Man on Moon, Dies at 82

I had the privilege to meet, and talk with Commander Neil Armstrong quite a bit, during the late 1980's, at an aviation trade show. At that time he was affiliated with an aviation computer services company, who were exhibiting at this show also. Their booth was directly across the aisle from ours; a...
by rotorhead
Sat Aug 25, 2012 9:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Neil Armstrong, First Man on Moon, Dies at 82
Replies: 15
Views: 1660

Re: How did people invest before the internet?

As difficult as it is for some of our younger Bogleheads to comprehend, there was life, and commerce, before the internet. I was based in Singapore from 1971 – 1977. Primary method for international communication then was the telex at 50 wpm. There was international phone service, but it was frightf...
by rotorhead
Tue Aug 21, 2012 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: How did people invest before the internet?
Replies: 48
Views: 2995

Re: Seeking Best Rate on Term Life Insurance

[*]
Re: Seeking Best Rate on Term Life Insurance

Postby Johm221122 » Thu Aug 16, 2012 5:54 am
Term 4 sale
http://www.term4sale.com/
John

+1.

That's how I got mine. Very good place to start.
by rotorhead
Thu Aug 16, 2012 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking Best Rate on Term Life Insurance
Replies: 9
Views: 949

Re: Buy a new (used) car or fix current one?

Post by jsl11 » Tue Jul 17, 2012 7:31 pm Toyotas and Hondas are great cars. The problem is that used car shoppers know this, and the used Toyotas and Hondas are priced accordingly. They are more expensive than other used cars. Since you are on a tight budget, you may do better to look at a good bra...
by rotorhead
Tue Jul 17, 2012 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a new (used) car or fix current one?
Replies: 23
Views: 1577

Re: Buy a new (used) car or fix current one?

Fix up the old one, or buy a new(er) car? That's a dilemma that many of us faced in our younger years. Some good advice on this thread. Whichever choice you make the money to support it comes from the same place - out of your pocket! Better to make payments on the newer vehicle than repair costs on ...
by rotorhead
Tue Jul 17, 2012 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a new (used) car or fix current one?
Replies: 23
Views: 1577

Re: RMD Bucket

Post by earlyout » Sun Jul 15, 2012 7:47 pm And just before you take the RMD in December, estimate your income taxes for the year and have that amount withheld from the distribution. This is the only tax payment you will have to make for the year and the RMD (withthe taxes) have been profitably inv...
by rotorhead
Sun Jul 15, 2012 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Bucket
Replies: 16
Views: 1357

Re: RMD Bucket

I just started my RMD in February this year. I'm with Fidelity, and do a fixed amount monthly. Currently hold 5 funds, and each month on the date I selected, Fidelity sells a proportionate number of shares of each fund, withholds 10% for the IRS, and remits the remainder to my bank account. Any time...
by rotorhead
Sun Jul 15, 2012 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Bucket
Replies: 16
Views: 1357

Re: Fidelity Funds question

Take a look at: http://www.bogleheads.org/wiki/Fidelity_Investments. You should find what you need there.
by rotorhead
Sun Jul 01, 2012 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Funds question
Replies: 13
Views: 892

Re: Term Universal Life?

Re: Term Universal Life? Postby BruDude » Mon Jun 04, 2012 5:30 pm Genworth's TermUL and other term/UL products have the same guarantees as a regular term insurance policy, but are built on a universal life insurance chassis. If you buy a 20-year TermUL policy and pay the premiums for 20 years, it ...
by rotorhead
Mon Jun 04, 2012 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Universal Life?
Replies: 4
Views: 354

Re: VBTSX vs. VBTLX

by rotorhead
Sat Jun 02, 2012 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: VBTSX vs. VBTLX
Replies: 4
Views: 640

Re: Jack and Rick on the Fox Business today

Post by FrugalInvestor » Fri May 25, 2012 9:03 pm

I think is was good that she asked about investing through (Vanguard) commodity funds. It gave Jack the perfect opportunity to explain why commodities are pure speculation and not true investments.


Good point.
by rotorhead
Fri May 25, 2012 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Jack and Rick on the Fox Business today
Replies: 30
Views: 2396

Re: Jack and Rick on the Fox Business today

Great appearance by both Bogle and Ferri. Too bad the big-mouth Fox babe really didn't have a clue; and couldn't stay quiet, and let them make their very astute points properly.

Asking Bogle about commodities trading?!!
by rotorhead
Fri May 25, 2012 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Jack and Rick on the Fox Business today
Replies: 30
Views: 2396

Re: Term Life Insurance Company Recommendations Please

Re: Term Life Insurance Company Recommendations Please Post by Johm221122 » Thu May 24, 2012 7:56 pm Try term 4 sale.com +1 Very good source to start your search. Using that as starting point, I wound up with very good policy from Genworth last year. If you qualify to be USAA member, try them. At y...
by rotorhead
Fri May 25, 2012 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Company Recommendations Please
Replies: 8
Views: 761

Re: How to address/fight home owner insurance policy increas

Mrxyz wrote: rotorhead wrote:This dilemma of rising insurance premiums, when the value of the property has actually decreased, is one that many people are facing now; as real estate values have decreased rather dramatically the past few years, but yet construction costs have supposedly gone up. Som...
by rotorhead
Wed May 23, 2012 5:36 pm
 
Forum: Personal Consumer Issues
Topic: How to address/fight home owner insurance policy increase
Replies: 33
Views: 2425

Re: How to address/fight home owner insurance policy increas

This dilemma of rising insurance premiums, when the value of the property has actually decreased, is one that many people are facing now; as real estate values have decreased rather dramatically the past few years, but yet construction costs have supposedly gone up. Some areas of the country have be...
by rotorhead
Tue May 22, 2012 10:12 pm
 
Forum: Personal Consumer Issues
Topic: How to address/fight home owner insurance policy increase
Replies: 33
Views: 2425
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