Search found 203 matches

by 4nwestsaylng
Thu Dec 28, 2017 1:31 am
Forum: Investing - Help with Personal Investments
Topic: Scared of bonds
Replies: 14
Views: 2024

Re: Scared of bonds

The TSP G fund is arguably the perfect bond fund. Money market safety but a yield like Vanguard total bond market fund. The TSP F fund is virtually identical to the Vanguard total bond market fund. But don't bother with either if you have access to the TSP G fund. I am in the TSP, have most of the ...
by 4nwestsaylng
Wed Dec 20, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4033

Re: Availability of health care providers - how to factor this in a move?

I understand the desire to live in a small/medium town. Can I recommend university towns? Places like Iowa City, Iowa, that has the University of Iowa Hospital, or Madison, Wisconsin with their UW Hospitals, have the best of small communities (and often very vibrant) AND cutting edge facilities and...
by 4nwestsaylng
Tue Dec 19, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 6422

Re: Can I afford it: Dodge Challenger

I like great cars, but I would first pay off your "just a mortgage". Becoming debt free on your house instead of adding more debt right now will feel better in a few years. You can always rent a Challenger for a day and enjoy it. I upgraded to a Camaro on a trip and had it for a few days, enjoyed it...
by 4nwestsaylng
Tue Dec 19, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: HSA investment options
Replies: 7
Views: 437

Re: HSA investment options

My fees for my HSA Bank account are $2 a month, regardless of balance, that is not bad. Most of my funds then go out of HSA Bank into its associated TD Ameritrade account. I park it in Vanguard Lifestrategy Conservative Fund. I typically absorb my annual $1500 deductible and copays, so my out of poc...
by 4nwestsaylng
Tue Dec 19, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5081

Re: When to move into bonds

Agree with earlier poster, you should reduce your 100% allocation to stocks by at least 30% Monday morning,ie go immediately to a 70 equity/30 bond at the least, and in fact you might consider tapering even more over the next month or so to a 60/40 position. Yes, OMG it's a market top. The OP shoul...
by 4nwestsaylng
Tue Dec 19, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Hold
Replies: 7
Views: 555

Re: Sell or Hold

My wife and I got married 5 years ago. Since then, we've been renting her house for $3,100/month. Our monthly payment is $2,772 (including taxes/insurance). The house is probably worth ~$550K. Mortgage balance is $292K at 4% rate with 15 years remaining. We've considered moving into the house, livi...
by 4nwestsaylng
Sat Dec 16, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5081

Re: When to move into bonds

Agree with earlier poster, you should reduce your 100% allocation to stocks by at least 30% Monday morning,ie go immediately to a 70 equity/30 bond at the least, and in fact you might consider tapering even more over the next month or so to a 60/40 position.
by 4nwestsaylng
Sat Dec 16, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating Medicare Part B
Replies: 9
Views: 1493

Re: Terminating Medicare Part B

Correct. What is difficult is that we know major expenses are usually hospital based, and we get Medicare A, so if we keep the FEHB, and don't take part B, we still have full coverage of all hospital based expenses. However more and more, complex procedures and tests have moved to the outpatient are...
by 4nwestsaylng
Sat Dec 16, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Rental Home - Was Primary Residence - Tax Situation
Replies: 11
Views: 1309

Re: Sold Rental Home - Was Primary Residence - Tax Situation

You know, just hire a CPA (not an "enrolled agent"), I have found that is the best way, they more than earn their fee. I have never used TT,I know many use it, but in this case I would for sure let the CPA handle it. For one thing, if there is further paperwork needed in the future, ie if you need t...
by 4nwestsaylng
Sat Dec 16, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1700

Re: Progressive Insurance

Have stayed with USAA, very happy, and I don't have to watch stupid ads on T.V..
by 4nwestsaylng
Sat Dec 16, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 9469

Re: Terrible negotiator - need help with words to use [Buying a car]

Over the years I have researched the techniques, how to negotiate, walk away, etc.. In my experience, there is always some tactic or trick that you have not anticipaed. Let Costco be the big gorilla, they pick their dealers and the price has to be good. Just go with Costco. Maybe you could beat the ...
by 4nwestsaylng
Fri Dec 15, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating Medicare Part B
Replies: 9
Views: 1493

Re: Terminating Medicare Part B

Interesting. I will have to see what Medicare B premium would be. My leaning is to just keep the FEHB plan as my primary, but that annual ten percent penalty for late signing for part B makes me a bit nervsous. In good health, on no meds, but of course the future is unknowable. I will probably sign ...
by 4nwestsaylng
Wed Dec 13, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating Medicare Part B
Replies: 9
Views: 1493

Re: Terminating Medicare Part B

Curious as to why you are dropping Medicare part B, as I am having to decide this month whether to enroll in part B and make my FEHB GEHA the secondary instead of primary.I plan to keep FEHB plan, so if I sign up for Medicare B, the FEHB becomes the secondary. One thing I like about the FEHB plan is...
by 4nwestsaylng
Tue Dec 12, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4400

Re: 2018 FEHB HDHP Recommendations

I had GEHA HDHP for ten years, right up to age 65, and was happy with it.
by 4nwestsaylng
Tue Dec 12, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 16800

Re: What to do after losing $117k in stock market?

I can identify with your painful stock losses. I can only say that when I was in my early forties, I was making about what you are making,got caught up in the tech hype, and probably lost about $150K when tech crashed. I was in major companies that simply folded. Despite multiple degrees including o...
by 4nwestsaylng
Tue Dec 12, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley as an alternative to CDs and money market?
Replies: 8
Views: 991

Re: Wellesley as an alternative to CDs and money market?

How would Wellesley income compare one of the Vanguard Lifestrategy alternatives, such as the LS conservative portfolio? Would a LS have any advantages over Wellesley? I would like to generate some income out of my non-retirement brokerage funds. Currently I have them primarily in Vanguard TSM (50%)...
by 4nwestsaylng
Sun Dec 10, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds in West Los Angeles
Replies: 8
Views: 1075

Re: Newlyweds in West Los Angeles

Renting in L.A. is ok if you are young and working, and no kids. But if you are thinking of becoming parents, I think it is a good time now, while you are staying with relatives, do think seriously about relocating. Your wife's secure job with L.A. County means nothing if you have to raise your kids...
by 4nwestsaylng
Sun Dec 10, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds in West Los Angeles
Replies: 8
Views: 1075

Re: Newlyweds in West Los Angeles

Part of the buy vs rent answer depends upon how secure you feel your job is. Your wife has a govt job but you have had several. If you are going to take out a mortgage, you want some certainty that you will be able to make the payments on one salary. You may be in West L.A. now, but at current incom...
by 4nwestsaylng
Sat Dec 09, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 2764

Re: Espresso Machine suggestions?

A few years ago I was really into this, did all the research on Seattle Coffee Gear videos, read the pros and cons of the Rancilio Silvia with the Rocky grinder, etc.. I realized that I did not want to make espresso my hobby, I just wanted a reasonable espresso sometimes at home. Some days I want es...
by 4nwestsaylng
Sat Dec 09, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5468

Re: Recommended places to live

To some degree you have to reconcile having 3/4 acre, etc and wanting the area to also have great Japanese cuisine infrastructure etc, without actually moving to Japan for reasons you stated. To state the obvious, this is not Japan. Cities in the U.S. with great Japanese restaurants or grocery stor...
by 4nwestsaylng
Sat Dec 09, 2017 1:37 am
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5468

Re: Recommended places to live

To some degree you have to reconcile having 3/4 acre, etc and wanting the area to also have great Japanese cuisine infrastructure etc, without actually moving to Japan for reasons you stated. To state the obvious, this is not Japan. Cities in the U.S. with great Japanese restaurants or grocery store...
by 4nwestsaylng
Fri Dec 08, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

Any thoughts appreciated. Thanks in advance. Sold a 50+ year old car on Ebay a few years ago. My recommendation would be: 1) Put your phone number in the ad so people can call and ask questions. This also puts you in contact with a buyer and the potential to sell outside of Ebay. 2) Set a reserve a...
by 4nwestsaylng
Fri Dec 08, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Have been sitting out, and ready to invest the Bogle way
Replies: 18
Views: 2439

Re: Have been sitting out, and ready to invest the Bogle way

Keep the mortgage on your rentals. Pay off your principal residence, that is a guaranteed 3.25% return, ie no mortgage. As far as investing, you are going from a non equity position into equities. Consider starting with something like Vanguard Lifestrategy Conservative, either dollar averaging over ...
by 4nwestsaylng
Fri Dec 08, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5468

Re: Recommended places to live

Hello, I currently live in Dallas, TX. I work for myself and at home, so I am completely free to live where I choose as long as there is fast and reliable Internet available. I am considering moving somewhere else though mostly for personal reasons rather than financial, those reasons being I want ...
by 4nwestsaylng
Fri Dec 08, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

I just gave a 20 year car away because I knew I would net less than $500 if I were to sell it. Very good car, nothing wrong with it and 4 brand new tires. Liability is a good enough reason not to sell to anybody, but donation is ok. I think my guess is right because I have not receive anything from...
by 4nwestsaylng
Fri Dec 08, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

Another vote for Craigslist. Sold an '07 camry a couple weeks ago within a few hours of the CL ad being posted. The market for 10 year old cars (i.e. people looking for beaters to commute with) and 40 year old caprice wagons is a bit different. I don't suppose you have the orginial window sticker? ...
by 4nwestsaylng
Thu Dec 07, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

Wow, being a wagon fan I like it!! Sadly it's a mid 70s GM product and they weren't exactly building the best cars back in that day. Sadly, old doesn't mean valuable. You're asking too much for it even in it's stellar condition for that year and model. Likely a 3K car for anyone looking for somethi...
by 4nwestsaylng
Thu Dec 07, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

Caprice Wagon. I love the boxy styling. Wagons are very cool. Yours appears to be in rough shape. Your price is way too high. I think realistically you are looking at $3000 or less. Here is one in great condition with 1/3 the miles yours has and it sold for $5500. https://www.ebay.com/itm/1977-Chev...
by 4nwestsaylng
Wed Dec 06, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

I will let all the "nabobs of negativism' (Spiro Agnew, remember?) know if I have to pay someone to drive it away.Before that, will donate to the Humane Society and take a tax credit. Most of you in the Rust Belt have never seen cars this old, they rusted away as they were driven out of the showroom...
by 4nwestsaylng
Tue Dec 05, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

OK, it is a Chevrolet Caprice Classic.

It has to be a classic, it is right there in the name :sharebeer
by 4nwestsaylng
Tue Dec 05, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 11751

Re: Federal Retiree Health Care with/Medicare

From everyone's posts, it appears that the choice is between a rich FEHB plan without Part B (which puts the person in the same position as he/she was before age 65) or a skinny FEHB plan with Part B (which would pick up the co-pays). How should someone choose? What if the person is in one of the h...
by 4nwestsaylng
Mon Dec 04, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 37
Views: 3753

Re: Turning 65, and choosing not to take Medicare Part B

I retired this year from 10 years of federal service, at age 68. Signed up for Medicare Part A at 65, since I have been paying for it through payroll as we all do so it has no premium charge. The question is whether to take part B. My Federal Employee Health Benefit plan (FEHB) can continue in reti...
by 4nwestsaylng
Mon Dec 04, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

Bacchus01 wrote:
Mon Dec 04, 2017 10:26 pm
You’re asking too much Money

If it has any value or collectability, eBay will move it. I’ve bought and sold a lot of classic cars on eBay. If you can’t get a bite there, then you are asking too much.
Probably right, don't need to sell it so will take off the market for now.
by 4nwestsaylng
Mon Dec 04, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

For several weeks I have posted a 40 year old car on eBay; I am the original owner. The car is in good shape,it runs, paint is original and ok, interior is good except for needing a headliner. It is a pretty uncommon car, I just don't see the model around anymore and I get comments on it when I tak...
by 4nwestsaylng
Mon Dec 04, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

Re: selling an older car on eBay-no bites!

123 wrote:
Mon Dec 04, 2017 7:10 pm
Relax eventually you will get an over-asking offer for the car from someone in Nigeria. They will then send you a check for more then their offer by accident and then ask you to send part of the excess back. They may even say they will send somebody over to pick up the car.
meh
by 4nwestsaylng
Mon Dec 04, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4777

selling an older car on eBay-no bites!

For several weeks I have posted a 40 year old car on eBay; I am the original owner. The car is in good shape,it runs, paint is original and ok, interior is good except for needing a headliner. It is a pretty uncommon car, I just don't see the model around anymore and I get comments on it when I take...
by 4nwestsaylng
Mon Dec 04, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 37
Views: 3753

Re: Turning 65, and choosing not to take Medicare Part B

I retired this year from 10 years of federal service, at age 68. Signed up for Medicare Part A at 65, since I have been paying for it through payroll as we all do so it has no premium charge. The question is whether to take part B. My Federal Employee Health Benefit plan (FEHB) can continue in retir...
by 4nwestsaylng
Mon Nov 27, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 6355

Re: Non Stick frying pan

I only use All-Clad and my trusty Lodge cast iron for cooking anything. Just use oil or spray and you will be fine. I heartily endorse cast iron for cooking eggs as the OP was asking, and a huge plus is that you can use metal spatulas rather than the wimpy ones for non-stick pans. I love a long met...
by 4nwestsaylng
Mon Nov 27, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: failing at hobbies and leisure
Replies: 47
Views: 5158

Re: failing at hobbies and leisure

I think you may be overestimating the amount of free time you will have. Finishing residency is not retirement by any means. In fact, while you may not be spending so much time in the hospital, you will likely be busy with professional work,more than you realize. To earn a living in medicine at toda...
by 4nwestsaylng
Tue Oct 24, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4397

Re: Medicare Advantage vs. Supplemental

I am now Medicare age and will stay with original Medicare and a supplemental. Medicare Advantage plans offer "more extras", but be careful,there is no free lunch. Original Medicare will always give you the greatest freedom of choice. Sure, you have friends who are "satisfied" with their MA plan, do...
by 4nwestsaylng
Tue Oct 24, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 23
Views: 2537

Re: Cold feet

Make sure you get a duplex ultrasound of your circulation in the legs to rule out narrowing from atherosclerosis. Once you have established that the circulation itself is good, then go for the socks and the home remedies.
by 4nwestsaylng
Tue Oct 24, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4874

Re: what is your weekly workout routine?

These workouts are pretty impressive! For years I went to a high end gym, did the machines and swam, daily. It helped for sure with work stress, but one day I realized it was like a second job, there was little time for anything else. Now retired, I run a mile every morning, do 35 pushups, and three...
by 4nwestsaylng
Wed Sep 20, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2644

Re: Convertible in Florida or not...

You started driving with a Jaguar, why not buy a new or near new Jaguar hardtop coupe? A beautiful car, with windows down it gives you the convertible fresh air, and the rest of the time you can enjoy the security and comfort of a closed cabin. There are lots of Mercedes and Lexus around, but Jags a...
by 4nwestsaylng
Sat Sep 09, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 7461

Re: Luxury car: perception vs reality

The S class does not look flashy, especially in Southern Cal, you don't even notice them. They retail for well over $100k, depreciate like a rock; you are in a great market for a nice used Mercedes. These are very safe; you get not only weight/mass in your favor, but high strength steel and protect...
by 4nwestsaylng
Sat Sep 09, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 7461

Re: Luxury car: perception vs reality

My daily driver is a Toyota Matrix, and we also have a 2 year old Camry. Neither gets me excited when I drive them. Also have a E36 M3, and the driving character leaves you with a smile on your face. For me, there are plenty of $100k+ cars I'd never touch. ving and living environment. I couldn't ca...
by 4nwestsaylng
Thu Sep 07, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 106
Views: 18765

Re: Classic Car for Teen Driver(?)

A classic car is really a second or third car for an owner; it is not dependable as a daily driver, it may be needing to be worked on for many weekends, and it is definitely not for drives far from home. In addition, in this crazy world, does he really want to be high profile on the road with an eye...
by 4nwestsaylng
Thu Sep 07, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 2310

Re: Critique this TSP allocation

Can't argue with that.
by 4nwestsaylng
Thu Sep 07, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Effective TSP distribution
Replies: 7
Views: 765

Re: Effective TSP distribution

Rick, you didn't mention your assets in your taxable account, or if you also have a Roth or traditional IRA outside. You need to look at your total asset allocation to then determine the percentage of bonds and equities for that total,preferable keeping the fixed income portion in your TSP since it ...
by 4nwestsaylng
Thu Sep 07, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 2310

Re: Critique this TSP allocation

I was going to split the bond allocation into 50% G, 50% F, but when I looked at TSP 's target funds, they keep most of the bonds in the G, and stay with only 6% in the F fund. Does that make any sense? Outside of TSP, people who do two or three fund, etc., may hold Total Bond or Intermediate. In b...
by 4nwestsaylng
Thu Sep 07, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 2310

Re: Critique this TSP allocation

I think right now, capital preservation is especially wise. Not market timing, but an analysis of how much of your AA are you prepared to lose if the market drops 10 percent. If your IRA is small, probably doesn't make much difference having it in equities, you have a TSP, I would suggest just put i...