Search found 156 matches

by AllieTB1323
Mon Feb 12, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4332

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

Good for them. I've thrown out lots of worn out llbean clothes - when someone once told me I could turn them in for new clothes I told them that was ridiculous as I felt I got my money's worth out of them. Just because you can do something doesn't mean you should. Ditto and it helps me sleep well a...
by AllieTB1323
Wed Feb 07, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Are Banks Worthless [to invest equity in]?
Replies: 32
Views: 2742

Re: Are Banks Worthless?

miles monroe wrote:
Wed Feb 07, 2018 3:08 pm
the ONLY reason i have a brick and mortar bank account is for the safe deposit box.

+1 and even then we use a credit union. We closed our Washington Mutual/Chase bank after we finished paying off our mortgage.
by AllieTB1323
Mon Feb 05, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14491

Re: Vanguard site is crashed now?

AZAttorney11 wrote:
Mon Feb 05, 2018 4:04 pm
Couldn't access Vanguard, but no problems using Fidelity. Sigh...

Yup and this is the reason we maintain parallel accounts at both houses.
by AllieTB1323
Sun Feb 04, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1095

Re: T-Mobile Coverage in Rural Areas

We went from AT&T to the T-Mobile geezer plan and are happy with it. T-Mobile's unlimited cellular data has been a money saver. We haven't noticed any difference in the coverage area.
by AllieTB1323
Sat Feb 03, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 260
Views: 14056

Re: For BHs who actually like cars - what is your daily driver?

2008 Honda Accord with the 3.5 L VTEC engine. It's quiet, comfortable and almost as quick as my garage queen a 1994 Corvette coupe.
by AllieTB1323
Fri Feb 02, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 7560

Re: What advice would you give yourself if you were 27 again?

oldcomputerguy wrote:
Thu Feb 01, 2018 6:26 pm
Dyloot wrote:
Thu Feb 01, 2018 5:23 pm
BlueRidgePro wrote:
Thu Feb 01, 2018 4:44 pm
Don't marry her.
+1
Guess I’m luckier than some; I married her at age 22, and am still happily married to the same woman at age 62.
Ditto, married at 22 and still blissfully married to her some 45 years later.
by AllieTB1323
Thu Feb 01, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Sales tax deduction
Replies: 7
Views: 501

Re: Sales tax deduction

Another Washington resident. When we purchase a major item, say a new heat pump or a new car, our CPA adds the extra sales tax found on the invoice to his calculated amount. If you are remodeling then you should have a sizable sales tax deduction. :D :D
by AllieTB1323
Tue Jan 02, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1752
Views: 311629

Re: What are you up YTD? [Year To Date]

2017: +14.97% with AA 62/38 and a 10% international exposure.
by AllieTB1323
Fri Dec 29, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard funds via Fidelity
Replies: 11
Views: 1190

Re: Investing in Vanguard funds via Fidelity

We have a Fido account and buy and hold VG ETFs in our taxable account. The DW moved a her tIRA over to Fido which holds a slug Wellington and there has been zero problems. Her quarterly reinvested dividends show up at the same time Vanguard distributes the proceeds. Other than the trade fee, now at...
by AllieTB1323
Thu Nov 30, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: How your FA, insurance agent, your community reacts when you show your financial knowledge?
Replies: 39
Views: 4848

Re: How your FA, insurance agent, your community reacts when you show your financial knowledge?

When DW and I were young and dumb we let an insurance agent into our apartment. As he hit us with his spiel about WL I mentioned what a crappy, expensive deal his product was. He blew up and yelled something about me failing to provide for my wife if I were to die early. My DW said if I passed she'd...
by AllieTB1323
Thu Oct 19, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with Trust
Replies: 8
Views: 602

Re: Need help with Trust

Are you the trustee or the successor trustee. Are you the only beneficiary of the trust?

Anyway, first things first; get a copy of the trust documents.
by AllieTB1323
Thu Oct 12, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Tracing House Wiring
Replies: 10
Views: 982

Re: Tracing House Wiring

I don't think there are any shortcuts, pretty much one at a time systematically. If you only need to find one, binary search might help a tiny bit. You can use another person and a walkie talkie, cell phone, intercom (some cordless phones have one) https://www.amazon.com/Panasonic-KX-TG4742B-Answer...
by AllieTB1323
Thu Oct 05, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 972

Re: Driving from Boise to Missoula: Best Route?

Both my wife and I lived in Idaho and still have relatives there. Any road trip from Boise to Missoula will be an adventure. Please be aware of the elevations of the mountain passes. The weather changes quickly. Prepare according. Also from experience, if you are driving from dusk to dawn be on the ...
by AllieTB1323
Mon Oct 02, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: business owner, what is your income from business and how did you get into successfully business, what's your networth?
Replies: 17
Views: 2647

Re: business owner, what is your income from business and how did you get into successfully business, what's your networ

investing1012 wrote:
Mon Oct 02, 2017 6:13 pm
Well that’s because the majority of small business owners fail and they don’t post their bankruptcies on this forum ;)
From our package delivery person we heard some of their drivers have a betting pool on how long new small businesses will last.
by AllieTB1323
Mon Sep 25, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in construction equipment rental business
Replies: 15
Views: 1058

Re: Investing in construction equipment rental business

Construction Equipment rental is a competitive business with many players. Before jumping in, you should look at the competition. A quick Google search turned up national companies such as Home Depot, Sunbelt rental, United rental, etc. What are you and your friend going to offer that they don't? W...
by AllieTB1323
Wed Sep 20, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: 5-6 wks. for IRA transfer, (expletive deleted)
Replies: 10
Views: 1385

Re: 5-6 wks. for IRA transfer, (expletive deleted)

This is the amt. of time I was told to expect for an IRA transfer request. "It is easier to change a 'No' to a 'Yes' than the reverse." You are experiencing Marketing 101. It probably won't take that long. Always best to under promise and then over deliver. Vanguard quoted five to six weeks to move...
by AllieTB1323
Fri Sep 15, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Investment/Brokerage Accounts?
Replies: 3
Views: 448

Re: Multiple Investment/Brokerage Accounts?

My opinion is that you should have at least two main locations for assets, money holdings, etc. as a precaution against some temporary glitch in access to your assets. That could be anything from an IT fiasco, hacking, suspected fraud on your account, etc. Going beyond that seems unnecessary. It co...
by AllieTB1323
Mon Sep 11, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: How does your business value adjust your risk tolerance?
Replies: 3
Views: 609

Re: How does your business value adjust your risk tolerance?

We owned a sucessful C-Corp privately held service business for thirty years and always valued it as a net zero in our net worth. Our investments were split 60/40. The rationale was the business at it's worst was worth the salvage value of the office furniture.
by AllieTB1323
Wed Sep 06, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: C Corp - Salary/Dividend ratio
Replies: 13
Views: 1176

Re: C Corp - Salary/Dividend ratio

That is the reason for the question. Dividend tax rates could prove to be lower for say 200K in net profit before salary, 100K in salary and get the rest in dividends after paying payroll, futa/suta, income-tax. Maybe 0% if taxable income is less than 75k if I understood correctly, assuming one can...
by AllieTB1323
Wed Sep 06, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab, Fidelity, or Vanguard for taxable account?
Replies: 21
Views: 3439

Re: Schwab, Fidelity, or Vanguard for taxable account?

Both taxable and retirement are split between Fidelity and Vanguard.
by AllieTB1323
Wed Sep 06, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: C Corp - Salary/Dividend ratio
Replies: 13
Views: 1176

Re: C Corp - Salary/Dividend ratio

Had a C-Corp for about 27 years and I took a salary at the upper levels of range for managers in my industry and took the rest a dividends. I also personally owned the building the business occupied and set the rent at the upper level of the local prevailing rent. The rent/dividend question is indus...
by AllieTB1323
Wed Sep 06, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 27693

Re: Name something you had to have and now you regret purchasing it?

Our trailer trailer. It is now on consignment at a local dealer. Live and learn.
by AllieTB1323
Tue Sep 05, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 4321

Re: How do you track expenses ?

Apple's Numbers. We put maybe 90% of our spending on credit cards. Most of our expenses are reoccurring. Our income is fixed so we are basically running a monthly cash profit and loss.
by AllieTB1323
Tue Sep 05, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a fee from td ameritrade on a transfer
Replies: 23
Views: 2723

Re: Got hit with a fee from td ameritrade on a transfer

Leave a few dollars in a dormant account for 5 years, and then begrudge the brokerage for their small transfer fee. The sign of an extreme Boglehead. :oops: I agree. Not only was this an extremely unprofitable account. An account closing/transfer fee is the norm for the industry not withstanding Va...
by AllieTB1323
Tue Sep 05, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage missing $ again
Replies: 19
Views: 3237

Re: Vanguard Brokerage missing $ again

mouses wrote:
Tue Sep 05, 2017 9:22 am
And people wonder why I insist on paper statements and keep offline records.

Did anyone explain how the money got "lost"? That would be interesting to know.
Also, it's wise to routinely backup pdfs of the statements and any trade confirmations to the cloud.
by AllieTB1323
Wed Aug 30, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 3066

Re: Learning from loss

During the 90's we had our one and only advisor. He had too much our money concentrated in the Munder NetNet B fund. That fund went sky high until it didn't We were caught when the bubble popped. We were lucky to get out with a small profit. We weren't his only victims; other clients were far less l...
by AllieTB1323
Fri Aug 25, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: I need some fidelity bond action! FIBAX or FSITX ?
Replies: 9
Views: 1178

Re: I need some fidelity bond action! FIBAX or FSITX ?

Use FSITX at Fidelity and BND with a touch of VCIT at VG.
by AllieTB1323
Thu Aug 03, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 8320

Re: Study: Who Sold Stock During the 2008-9 Crash?

To us it was a hair on fire buying opportunity.
by AllieTB1323
Tue Aug 01, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Why is it hard to beat the market?
Replies: 45
Views: 3837

Re: Why is it hard to beat the market?

A mutual fund manager would be in the investing hall of fame if they could beat a comparable index fund by 1% a year over the long term. They also do stock picking as their full time job and have staff to help them. Thinking that you might be the market by a significant percent when you only spend ...
by AllieTB1323
Sun Jul 30, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: New 2018 Honda Odyssey Problem - Need Advice
Replies: 39
Views: 8357

Re: New 2018 Honda Odyssey Problem - Need Advice

It's a bit late for this suggestion now, but for others... DRIVE the car, the exact model, you are considering buying. Drive it for an extended time, not just 10 minutes around the dealership. Take it on bumpy roads, fast highways, etc., for a few hours. Also keep in mind that if one is driving dem...
by AllieTB1323
Wed Jul 26, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 9679

Re: Should you wait until the due date to pay credit card balance?

Three credit cards. One, Fidelity Visa is on auto pay the other two I manually schedule the payment two days before the due date. I put everything on the cards which sometimes gives us a larger balance which may or may not affect our credit score. We don't worry because those days are behind us. It'...
by AllieTB1323
Mon Jul 17, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: VWINX a 1-Stop Shop? [Vanguard Wellesley]
Replies: 51
Views: 12097

Re: VWINX a 1-Stop Shop? [Vanguard Wellesley]

We have VWINX happy with it. A more "Boglesque" similar fund (or "Sharpesque") might be Life Strategy Moderate Growth VSMGX, which is total market index. Believe performance is a notch above VWINX. In Fidelity I use PONDX as a surrogate which seems to match VWINX Given VWINX is basically 40 : 60 wo...
by AllieTB1323
Sun Jul 16, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Transferred Roth from NWM to Fidelity, now what?
Replies: 14
Views: 1116

Re: Transferred Roth from NWM to Fidelity, now what?

A Fidelity site search for "FIDELITY FREEDOM" will return a list of their target date funds. Don't consider the Fidelity Freedom Funds. They have higher expense ratios. Consider only the Fidelity Freedom Index Funds. They have lower expense ratios. Yup, Fido has about 33 target dated funds of which...
by AllieTB1323
Fri Jul 14, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: Fascinating Morningstar Article - Mutual Fund Flows
Replies: 25
Views: 3072

Re: Fascinating Morningstar Article - Mutual Fund Flows

tennisplyr wrote:I'm in Vanguard (75%) and Fidelity (25%). Does anyone else believe they shouldn't have all their eggs in one basket??
My thoughts exactly. I worry more about the backend IT function than I do about liquidity.
by AllieTB1323
Fri Jul 14, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 9254

Re: how to destroy hard disk with personal info

Mike Scott wrote:There is something very satisfying about laying a hard drive on an anvil and smacking it with an 8lb sledge. It's effective as well as being cheap entertainment.
In much the same fashion I put one in a large vise then tried to put a ninety degree bend in the case using a hand sledge.
by AllieTB1323
Thu Jul 13, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 4837

Re: Hotel tipping: how much to leave?

I leave $5 on the desk. This is one of the few activities where I still use cash. The only other things that come to mind are the barbershop and to pay for parking at the stadiums in Philly to see one of my teams lose again. Ditto, five bucks a night. For us it's a trip to Seattle to watch the M's ...
by AllieTB1323
Wed Jul 12, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 2057

Re: Credit card vrs checking account for utility bills

I pay all our utility bills using a Cash Back reward CC. The CC is on autopay from the check account.

FYI: Debit cards, since they are a direct line to the checking account scare the heck out of me.
by AllieTB1323
Mon Jul 10, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 53
Views: 9220

Re: Fidelity, Vanguard or Schwab? I need to choose.

chinto wrote:
bondsr4me wrote:
Wricha wrote:Personally over the course of 30 years I have been with all three, Schwab's service is heads above Fidelity and heads and shoulders above Vanguard (this is capital offense on this site)
+1

I tend to agree with it all.

Don
I agree too.
Yup, never cross the third rail of Vanguardism.
by AllieTB1323
Mon Jul 10, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 53
Views: 9220

Re: Fidelity, Vanguard or Schwab? I need to choose.

Since my Fido index funds have an insignificant lowered cost than the comparable Vanguard fund then they are inferior. Thanks for setting me straight.
by AllieTB1323
Mon Jul 10, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 53
Views: 9220

Re: Fidelity, Vanguard or Schwab? I need to choose.

Personally over the course of 30 years I have been with all three, Schwab's service is heads above Fidelity and heads and shoulders above Vanguard (this is capital offense on this site) +1 I tend to agree with it all. Don Haha, make that a +2. In my world this is an example of experimenter bias.
by AllieTB1323
Mon Jul 10, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 53
Views: 9220

Re: Fidelity, Vanguard or Schwab? I need to choose.

See the difference? Not in the fund, but in the fee. Why pay more? People do because Fidelity makes the first fund very visible, but you've got to dig deeper to find the other (lower class index) fund. Why do you suppose that is? Be careful out there. Know what you're paying. Don't be duped. Vangua...
by AllieTB1323
Sun Jun 18, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 7149

Re: Best Financial Advice from Dad (in honor of father's day)

My father's actions always spoke louder than his words. He was the epitome of stealth wealth. I had no idea how much money he had until he passed away, but I always knew from the way he conducted himself that he had great financial confidence and assurance. Now I know why. My dad always said people...
by AllieTB1323
Sun Jun 11, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: medicare premium amount
Replies: 51
Views: 4851

Re: medicare premium amount

You can apply to have the IMRR recalculated/reduced when or if you or your spouse stop working or your income is reduced to the next lowest income tier. Otherwise, you will have to wait for SSA to adjust it downward based on your future lower-MAGI tax return. You will need to verify your new income...
by AllieTB1323
Tue May 23, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 13491

Re: Zacks says sell Wellesley!?

Vanguard Wellesley (VWIAX), Own a small position and haven't any plans to sell. Our timeline is measured in decades so the day to day noise isn't important. Reflexive trading raises costs and brings down the return.

Isn't Jack Bogle's advise something like "Don't do something; just stand there"?
by AllieTB1323
Sat May 20, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my business?
Replies: 41
Views: 4148

Re: Should I sell my business?

Seller financed business sales are scary. Check around, too many come back to the seller. I'm a proud, retired former owner of a small service business. The business provided us with about 300K per year. We sold it for about 3.5X the cash flow. We financed the sale. Our goal was NOT to have the buye...
by AllieTB1323
Tue May 16, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 5224

Re: Best argument you've heard against passive/for active?

what are the most convincing arguments people have heard against passive investing or in favor of active investing? Vanguard Wellington +1 Wife & I hold Wellington & Wellesley in our TIRAs. With those track records & ER's it feels kinda wrong to call them active. :happy Ditto, DW and I have held We...
by AllieTB1323
Mon May 15, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 3404

Re: How many firms do you use?

Two retirement accounts and a brokerage account at Fidelity. One brokerage account at Vanguard. Two money market accounts; one is at AMEX and the other is at GS. DW isn't comfortable having everything at one firm. Think it is wise to invest in TSM at both VG and Fidelity? Can't see it being a probl...
by AllieTB1323
Sun May 14, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Conservative Fund or its 4 fund equivalent
Replies: 9
Views: 1437

Re: LifeStrategy Conservative Fund or its 4 fund equivalent

Is the account taxable? If so wouldn't the rebalancing of the individual funds trigger a potential tax liability?
by AllieTB1323
Sun May 14, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 3404

Re: How many firms do you use?

Two retirement accounts and a brokerage account at Fidelity. One brokerage account at Vanguard. Two money market accounts; one is at AMEX and the other is at GS. DW isn't comfortable having everything at one firm.
by AllieTB1323
Fri Apr 28, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 23
Views: 2711

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

A few years ago we moved a taxable account from RBC to Fidelity. No problem. It was painless; they did all the work.