Search found 578 matches

by Austintatious
Wed Apr 18, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4046

Re: car at 80

@ssquared87 "The BRZ is one of the best cars I've ever driven and I drive many amazing cars. It's let down by its terrible engine, but the chasis is spectacular. It also performs extremely well in the snow with winter tires because it has a mechanical limited slip differential along with stability c...
by Austintatious
Tue Apr 17, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2326

Re: Help with CD ladder strategy for emergency fund

@ Kevin Yes, the Popular Direct rate at 2% is the best I've seen recently, as well, but I was turned off by their fee structure. I see a fee structure like that at Live Oak as notably more customer friendly. Plus there's no minimum deposit at Live Oak while Popular requires a 5k minimum. As for high...
by Austintatious
Tue Apr 17, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2326

Re: Help with CD ladder strategy for emergency fund

Here, for example, are the current CD rates for Live Oak Bank. I think their rates for short term CDs are very good, especially that 6 month rate of 1.95%. The linked page also discusses the early withdrawal penalties and it's 90 days simple interest for CDs with terms less than 24 months. Their cur...
by Austintatious
Tue Apr 17, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2326

Re: Help with CD ladder strategy for emergency fund

OP, first off, I'll say that 31k, even just the 10k you're thinking of investing in CDs, really is a "lot of money to most people" and is worthy of serious consideration. I see nothing at all wrong with placing that 10k into CDs, if that's what you want to do. You'd be required to keep up with the m...
by Austintatious
Mon Apr 16, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 2326

Re: Help with CD ladder strategy for emergency fund

Considering that this money is for unforeseen emergencies and presumably intended to be relatively liquid, I agree with the suggestions to stay with the shorter term certificates, especially since the rates offered for the longer terms are really not so great. DW opted for some of those 5 year certi...
by Austintatious
Wed Apr 11, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14593

Re: Ally online savings now at 1.45%

In seeking more info re Live Oak bank, I came across the assessment of its fiscal health provided, apparently, by LendingTree at the link posted below. For what it's worth , the bank gets high marks here. As for that "great and seamless experience" WanderingDoc speaks of and that we'd all like to en...
by Austintatious
Tue Apr 10, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14593

Re: Ally online savings now at 1.45%

The high yield savings and cd rates at Live Oak Bank look pretty good. The current high yield savings is advertised at 1.7%. I also think their cd rates, especially those on the shorter term certificates, are attractive. That 6 month certificate at 1.95% is pretty sweet. Of course, one ought to cons...
by Austintatious
Mon Sep 11, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58095

Re: Equifax customer information leak

Equifax now says that it's credit monitoring service will not automatically be billed to the customer after the free year of service, and that they'll not be requiring credit card info when the customer signs up for that free year. http://www.huffingtonpost.com/entry/equifax-hack-credit-monitoring-s...
by Austintatious
Sun Sep 10, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58095

Re: Equifax customer information leak

Turns out this data security breach is better for business than one might have thought, the money-making opportunities limited only by the imagination. Just this morning, I received an email from Experian (purportedly) reminding me that there are hackers out there coveting my email address and hard ...
by Austintatious
Sat Sep 09, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58095

Re: Equifax customer information leak

Having been told that my account may have been impacted, I also sought to avail myself of their free year of monitoring and was told I'd be able to sign up on 9/12. This morning, I received an email from Equifax starting off with an exuberant "You're in!", How did they get your email? I'm due on th...
by Austintatious
Sat Sep 09, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 58095

Re: Equifax customer information leak

Equifax says that both my wife's and my account may be impacted. I have to wait until 9/13 to sign up, but my wife can sign on on 9/10. Interesting side comment: On Tuesday, my wife attempted to get her free annual credit report for Equifax. She could not receive it on line and was instructed to fi...
by Austintatious
Tue Jun 16, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: Aren't bogleheads predicting the long term?
Replies: 84
Views: 11261

Re: Aren't bogleheads predicting the long term?

We aren't predicting anything. No risk, no return. Who knows what is going to happen, but by investing in the total world stock market and total bond market you should reduce the risk quite a bit. Predict is probably the wrong word. I get the sense that quite a few people here, not all of course, a...
by Austintatious
Wed Jun 10, 2015 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: I just don't understand bonds...
Replies: 27
Views: 5371

Re: I just don't understand bonds...

Earlier today, I came across this Market Watch article written by Paul Merriman, in which he characterizes bonds as the "most important asset class". Whether or not bonds are the most important asset class, the article might be some help to a better understanding of the role of bonds in one's invest...
by Austintatious
Fri May 15, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 5989

Re: Blues (music)

how apropos, this duet with BB and Buddy Guy

https://www.youtube.com/watch?t=27&v=emyt-agLE_s
by Austintatious
Mon May 11, 2015 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Any ideas for the future of my measly little portfolio?
Replies: 18
Views: 3362

Re: Any ideas for the future of my measly little portfolio?

In coming up with $25,000, I had added my annual taxes, car insurance, phone costs, internet expenses, home insurance, prescriptions, doctor visits, water bill, gas and electric bill and snow plowing costs. Don't forget health insurance, which will no longer being employer-subsidized. This one will...
by Austintatious
Fri May 08, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 10430

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

Ron, the reason that Sheridan and Lee, and those other officers who ended up opposing each other in the Civil war left Texas with resentment in their hearts is that they were stationed in what were, quite literally, the most God-forsaken places in the state. They experienced some of the worst condit...
by Austintatious
Fri May 08, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 10430

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

The problem with Dallas and Houston is that they are in Dallas and Houston, respectively. Houston in particular sounds like it would be one of the last places I'd ever want to live unless I change my appetite for heat, humidity, and traffic. In addition, I just think Houston and Dallas lack the "pe...
by Austintatious
Fri May 08, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 10430

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

Indeed, it has been fun. I'm curious as to how and why the OP came up with Amarillo as a possible place to land in retirement. Just doesn't seem "likely". I've only recently been reminded of just how barren and bleak the countryside is up that way, driving back from a trip to the mountains in Colora...
by Austintatious
Fri May 08, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Less than 2 years from retirement, finalizing plan and hoping for input
Replies: 16
Views: 3397

Re: Less than 2 years from retirement, finalizing plan and hoping for input

Simply having them both delaying Social Security until, and taking at, full retirement age may not be the best alternative for them. Perhaps the single most important item for you and them to well understand is the ins and outs of SS. It can be complicated and the payouts for the various options can...
by Austintatious
Wed May 06, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 10430

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

Thanks everyone. I am laughing a little bit it sounds like one of the most dreaded town in the US. You can expect blazing hot summers, frigid winters, wind nearly always and blowing dust often, a flat landscape in any and all directions and farther than you can imagine, and a long trek to cities of...
by Austintatious
Wed May 06, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 10430

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

Make NO commitment of consequence until you actually spend some time in and around Amarillo. Very important.
by Austintatious
Thu Apr 23, 2015 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland: Should we sell or keep?
Replies: 51
Views: 14279

Re: Inherited farmland: Should we sell or keep?

Make sure you know the status of the property taxes. Are they paid and up to date? Also, being farmland, it likely enjoys some kind of a tax exemption for agricultural use, which you sure don't want to lose and suddenly see the taxes triple. If you're not sure, it might be worth your while to contac...
by Austintatious
Sat Apr 11, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 70452

Re: Do you think Ric Edelman is correct, never pay down mort

Leerar, in another thread, posted this article by Jane Bryant Quinn a bit earlier, wherein she discusses the hardship that dealing with a mortgage can be for retirees. I think it's a very important matter to consider before retiring. http://www.aarp.org/money/credit-loans-debt/info-2015/prepay-mortg...
by Austintatious
Thu Mar 26, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 3015

Re: Need a tablet maybe

So many great tablets in the marketplace Apple,Android. The Samsung S- 8.4 inch screen is my current one and performance is dazzling . Two quad core processors make a huge difference in performance 1.9 GHz Exynos 5 Octa Processor. :happy https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcRTFeblY...
by Austintatious
Thu Mar 19, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: WiseBanyan
Replies: 19
Views: 4890

Re: WiseBanyan

Tomahawk1, are you able to offer any further info or perspective re the ongoing viability of WB, like how they've done in bringing in capital investments in the business, itself, as well as customers/clients? I've followed the startup with interest since its birth and encouraged my younger daughter ...
by Austintatious
Thu Feb 05, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to invest in Bonds Funds?
Replies: 14
Views: 2175

Re: Should I wait to invest in Bonds Funds?

Francine, you and DH may already have this one well analyzed but just in case you haven't thought much about it, assuming that one or both of you will be eligible for Social Security benefits, make sure that you and DH learn about the various elections to be available to you as time passes and the r...
by Austintatious
Mon Feb 02, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 113
Views: 18015

Re: Approaching 50...What to expect?

If you are not already engaged in a serious physical fitness program, get one and stick with it. I'm not suggesting that you need to achieve Iron Man levels of fitness, but adopt a program of regular and meaningful physical activity, adjusted as desired and required for your own capacities and whate...
by Austintatious
Wed Jan 28, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 4728

Amazon Prime - good deal or calculated conditioning

Hmmm. I just came across this article re Amazon prime stating that Prime subscribers (wow! 40 million in U.S., alone) are spending more than twice as much per year at Amazon than the non-primers. That's an incredible boost in revenue presumably attributed to the Prime campaign. http://www.huffington...
by Austintatious
Wed Jan 14, 2015 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 11477

Re: When your spouse isn't quite as frugal as you

Mojave, you are NOT being unreasonable. As has been discussed before and in detail on this forum, regular "eating out" on the job is much more expensive that "brown bagging it". Furthermore, it's a near totally unnecessary expense for most people that could be dedicated to savings. And unless you're...
by Austintatious
Sun Dec 28, 2014 7:37 pm
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 10861

Re: Appalachian Trail thru-hike in retirement?

If you haven't read about Grandma Gatewood's walk, you really should check it out. Emma Gatewood walked the entire trail at 67 years of age, the first woman to do so. What a gal! Google it. And good luck on your adventure!
by Austintatious
Sat Dec 20, 2014 10:19 am
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 22
Views: 2866

Re: Cooking Lessons

Check out the offerings at Central Market. I've not looked at what they're doing of late but, in the past, they've offered a remarkably wide array of cooking classes including, I believe, adventures in French and Italian cuisine. Check with Whole Foods to see if they have such offerings. Look to see...
by Austintatious
Wed Dec 17, 2014 7:20 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 8158

Re: Any pilots here?

1. Don't even consider spending money on getting your private if you can't afford to also get your instrument rating. IMO, that's the ticket that will make you a real pilot, and will save your bacon when the weather goes south on you. I disagree with that. I did quite a bit of flying, but not when ...
by Austintatious
Wed Dec 17, 2014 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: SS Delay Question
Replies: 14
Views: 2092

Re: SS Delay Question

Because of the the COLA pension, I'd check if the Government Pension Offset or Windfall Elimination Provision applies. Does the pension come from a job that was not covered by SS? Which way to go is likely to depend on their respective PIAs (primary insurance amounts). What are they? These two piec...
by Austintatious
Fri Dec 12, 2014 10:51 am
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 37
Views: 6322

Re: Gift to Yourself

deleted
by Austintatious
Wed Dec 03, 2014 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Close to retirement with this much money need thoughts!
Replies: 14
Views: 3135

Re: Close to retirement with this much money need thoughts!

You've probably already been through this but I'm wondering if you meet the criteria for receiving benefits as a divorced spouse. If you haven't already looked at it, take a look at the Social Security web site re divorced spouse benefits and see if you might get some help here. Anyway you can affor...
by Austintatious
Tue Dec 02, 2014 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: WiseBanyan
Replies: 19
Views: 4890

Re: WiseBanyan

Have you tried this email support address?

support@wisebanyan.com
by Austintatious
Sun Nov 30, 2014 8:14 am
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 31
Views: 4692

Re: Personal Tips for a New Father to Be

Be a hands on dad. There will be countless times, day and night, when your child will require or demand attention, and the temptation can be great to ignore the call and leave it to your wife to respond. If you are wise, you will discipline yourself to get past that temptation and attend to things y...
by Austintatious
Fri Oct 24, 2014 10:56 am
Forum: Investing - Theory, News & General
Topic: Prediction: Rise of Concentrated Funds
Replies: 20
Views: 2306

Re: Prediction: Rise of Concentrated Funds

I'm wondering if the Motif experiment is an example, if only "sort of", of what you have in mind. https://www.motifinvesting.com/?utm_expid=46965885-18.eA0xDrDgTfuMe68rSRkCMQ.0&utm_referrer=https%3A%2F%2Fwww.google.com%2F I was intrigued by the concept, when I first read of it, though not so intrigu...
by Austintatious
Thu Oct 23, 2014 10:23 pm
Forum: Personal Consumer Issues
Topic: Planting garlic
Replies: 10
Views: 1654

Re: Planting garlic

We're still planting and eating garlic from the stock we purchased maybe 10 years ago from the Garlicmeister (see photo at bottom of linked site, which might be a good source of planting stock and gardening advice for you). We consume all the garlic we grow, less what we plant for next year. It's wa...
by Austintatious
Tue Oct 21, 2014 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 7181

Re: TBM too much treasury?

[...their willingness to exclude greater than 50% of the world's bond market by rejecting international bonds (hedged or not) even as they've come to embrace international stocks. In this 21st century, is an investor limiting her bond holdings to domestics, as a matter of choice, widely diversified...
by Austintatious
Sun Oct 19, 2014 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 7181

Re: TBM too much treasury?

Vanguard can be criticized for using the word "Total" in their bond fund (just as they could have been criticized for years for using the word "Total International Stock Index Fund" for a fund that did not include Canada). Nevertheless, the Lehman, I mean Barclay's Aggregate Bond Index has been the...
by Austintatious
Sat Oct 18, 2014 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why are 401k plans expensive? [Help with plan, portfolio]
Replies: 4
Views: 709

Re: Why are 401k plans expensive? [Help with plan, portfolio

You should obtain a copy of the Plan Summary, which will tell you a number of things that you need to know about your 401k. When you ask for a copy, also ask for a clear statement of all fees the employee incurs under the plan. If your employer can't provide it, talk to the plan administrator. It wo...
by Austintatious
Sat Oct 18, 2014 8:45 am
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 47
Views: 7915

Re: What will you do when you retire?

...have done lots of home improvements but am running out of things to improve. I'll hire you to improve some things around my house. :D I will work until I'm 75 if my health permits and the company wants me - nearly 71 now. I have a different perspective on volunteer work as I grew up in a 1st/3rd...
by Austintatious
Fri Oct 17, 2014 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 5843

Re: Crazy asset-based fees in my 401K!

I suspect that I'm preaching to the choir, here, but do your homework and be prepared to demonstrate how important costs are to having a really effective retirement savings plans. An extra 1% in fees can make a huge difference at the end of a 30 or 40 year savings career. Run some numbers on an onli...
by Austintatious
Fri Oct 17, 2014 10:21 am
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1657

Re: New Here- Retirement Portfolio Review

Move it to Vanguard. No fee if you're getting statements electronically, and you can have the money electronically transferred. (I would bet Fidelity can also do that, and they'd probably be fine too, but you're at Bogleheads and you're holding Vanguard funds, so why not go to Vanguard?) Got to agr...
by Austintatious
Fri Oct 17, 2014 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 5843

Re: Crazy asset-based fees in my 401K!

Your instincts are right on the money. Those fees are high, but they're not unusual, especially for the retirement savings plans of smaller and even mid-sized employers. I've recently helped my two daughters work their way through their employers' 401(k) plans, and they have similar expense ratios, ...
by Austintatious
Thu Oct 16, 2014 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1657

Re: New Here- Retirement Portfolio Review

I notice that you have a ? beside your "desired asset allocation". This is something that you and your husband ought to work on and decide together, early in the process. Once you make that decision, which will largely be based on your tolerance for risk, you can determine your stock and fixed incom...
by Austintatious
Thu Oct 16, 2014 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1657

Re: New Here- Retirement Portfolio Review

Thank you both (for the advice, the explanation, and the promise of a better tomorrow...). Sorry. I couldn't help it. I just worked with my daughter who's dealing with a real stinker of a 401(k). Downright depressing. Then I see yours with those Spartan funds, and my heart just soared. Kidding asid...
by Austintatious
Thu Oct 16, 2014 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Here- Retirement Portfolio Review
Replies: 15
Views: 1657

Re: New Here- Retirement Portfolio Review

Because they are the lowest expense ratios right? ieee488 has it right, IMO. Yes, it's the low expense ratios, but wait, there's more. They also afford you excellent diversification with a simple 3 fund portfolio, so you get very broad diversification at very low costs. Oh, life's gonna be so much ...