Search found 161 matches

by Blueskies123
Thu Jul 20, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: car lease buyout at term end - how negotiable?
Replies: 5
Views: 197

Re: car lease buyout at term end - how negotiable?

Why in the world would you lease a car when you only drive 5K miles in 3 years? The dealer will get it back and be able to virtually sell it as new.
by Blueskies123
Thu Jul 20, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 196
Views: 29974

Re: Delay Social Security to age 70 and Spend more money at 62

I know we are not supposed to speculate on future legislative changes but I cannot help but see an elephant in this thread. 1) About 59 million people collect Social Security benefits each month, and they account for about one in six people in the United States 2) There are 76.4 million baby boomers...
by Blueskies123
Mon Jul 17, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Anyone have a second home in The NC mountains?
Replies: 25
Views: 2763

Re: Anyone have a second home in The NC mountains?

Yes, we have one in Maggie Valley. You have to be realistic about how much you will use the home. So many home are empty for most of the year and all that money could be spent on traveling to other places. I suggest you rent for several months maybe several times and see if you get bored with the sa...
by Blueskies123
Thu Jul 13, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1524

Re: New Commodities ETFs

Larry Swedroe stopped recommending commodities some time ago. Since the 2008-2009 financial crisis, commodities have not done well, much of this due to the cheaper energy prices. When an asset class has been down for almost 10 years is that not the best time to move into an asset class IF you are l...
by Blueskies123
Thu Jul 13, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 6511

Re: William Bernstein on Meb Faber's podcast

I listened to the podcast the day it came out but did not have a chance to listen to the last 10 minutes, which I just listened to yesterday. He had one interesting point at the end. He said your house should not be considered part of your portfolio. He said if you sell it you have to rent or buy so...
by Blueskies123
Sun Jul 09, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 6936

Re: how to destroy hard disk with personal info

I drill holes and then soak them in a bucket of water for a week with bleach to accelerate corrosion.
by Blueskies123
Wed Jul 05, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: 45yo 18M portfolio, best way to grow?
Replies: 47
Views: 6425

Re: 45yo 18M portfolio, best way to grow?

Why are you on Bogleheads, with your kind of portfolio you should have your money with the big shots. You need to be thinking about inter-generational tax planning strategies. I am not saying you need to paying big fees to fancy pants Morgan Stanley Investment Bankers but you can afford to pay someo...
by Blueskies123
Thu Jun 29, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 2148

Re: Pre-owned Acura's... Value of 'Certified'?

Cpo is just a marketing gimmick. You still need to get it checked by your mechanic before you buy. From consumer reports: . Most important, just because a car is certified does not necessarily mean it is trouble-free. Consumers have taken legal action claiming that certified inspections were not pr...
by Blueskies123
Wed Jun 28, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Manager
Replies: 10
Views: 771

Re: Morningstar Portfolio Manager

If you checking your portfolio on a daily basis you are spending way too much time on this. I feel guilty checking once a month.
by Blueskies123
Tue Jun 27, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2111

Re: Cruise With The Grandkids

tennisplyr wrote:Carnival cruises typically are more family oriented.


Hmm, maybe but they are also more oriented to teenagers and young people that may or may not act like you would hope.
by Blueskies123
Fri Jun 23, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 17
Views: 1478

Re: Is the new Chevy Equinox any good?

If you get an American car you should get an extended warranty. Make sure you shop around. You do not have to get it as the dealer you bought the car from. No 3rd party warranty's.
by Blueskies123
Wed Jun 21, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4622

Re: Help with Guns in Estate [how to sell]

Are you sure none of them are collectible, rare, or highly valuable? I only say this because some random broker might try to take advantage of the situation.
by Blueskies123
Sat Jun 17, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17554

Re: Siblings in disagreement over mom's house.

A side note, but still on topic, is that when you work on your will you should never just leave a house or any other large asset to 5 kids. How and when it can be sold and proceeds divided should be clearly written in the will. My parents left me in charge of all asset disposal decisions and the net...
by Blueskies123
Thu Jun 15, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 31
Views: 3818

Re: Privacy vs $$$$

What the heck kind of paint are you buying for $26/$33 a quart? Gold leaf?
by Blueskies123
Thu Jun 15, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 3934

Re: Turbochargers

For me this is a simple equation. How much gas will I save in 100,000 miles and what will the be the cost to replace the T Charger in 100,000 miles. Yah, I know some of you will say they last over 100,000 miles but I am not going to be bet on it unless it is a Honda or Toyota T Charger. I wonder why...
by Blueskies123
Thu Jun 15, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3387

Re: scary phone calls

With Comcast I can block these phone numbers and NOMOROBO usually catches them before they get through. You can report the phone numbers to the IRS and FTC. Just Google how to report scams.
by Blueskies123
Mon Jun 12, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate Annual Expenses with spending volatility?
Replies: 15
Views: 601

Re: How to calculate Annual Expenses with spending volatility?

I see it was suggested to use 5 year average. Most people will loose discipline, go over budget, and just assume an under run in some future year. Does this remind you of something. I suggest you budget an amount each year for true emergencies. You fund this line item but cutting travel, entertainme...
by Blueskies123
Sun Jun 11, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2710

Re: 2004 LEXUS RX 330

Your going to lose even more money if you sell your SUV and buy and old car. Just promise to keep your 30,000 SUV for the next 10 years and you will come out ahead at the end.
by Blueskies123
Sat Jun 10, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Is there a calculator that solves for optimal Roth conversion
Replies: 54
Views: 4329

Re: Is there a calculator that solves for optimal Roth conversion

Some people have mentioned that death of a spouse or longevity make a model to complicated to design. My thinking is that for most people, but not all, we can assume that a couples will stay married and by using one of the longevity models we could plug in assumed life expectancy. I never smoked and...
by Blueskies123
Thu Jun 08, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a calculator that solves for optimal Roth conversion
Replies: 54
Views: 4329

Is there a calculator that solves for optimal Roth conversion

I am juggling all of the following: when to take social security vs minimize income and continue with ACA credits for now since my retirement income is low vs taking long term capital gains at my current low income tax rates (tax free) and losing ACA credits, and possibly creating some Roth Conversi...
by Blueskies123
Mon Jun 05, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 3046

Re: Gas station prices and quality

Fortunately I have a Costco near me that is a top tier station and the cheapest
by Blueskies123
Sat Jun 03, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9002

Re: Everything keeps going up, this feels too easy?

I feel this way too but I also felt that way the year before and the year before that year. At this point everyone I follow like Swedroe, Fabre, and others also feel we are at high valuations. Not that they think a crash is coming, maybe just 10 years of meager returns. I am normally at 60/40 but ha...
by Blueskies123
Fri Jun 02, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Please critique my attorney's suggestions..
Replies: 28
Views: 4365

Re: Please critique my attorney's suggestions..

If you both pass they will need some money in college, if they go to college. If they think there is a pot of money at 25 they might not go to college. I would have the trust pay for collage, and living expenses, IF they go. You did not say how much money you have in the trust. Maybe you set it up t...
by Blueskies123
Wed May 31, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 5008

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

You have 300 posts and you are asking this question??? Have long have you lived in Miami? Do ya think this is a good idea? When someone points out to you that they made big money from a hot stock pick, real estate purchase, etc, it does make me question my strategy. I've lived in Miami for 5 years ...
by Blueskies123
Wed May 31, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 5008

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

You have 300 posts and you are asking this question??? Have long have you lived in Miami? Do ya think this is a good idea?
by Blueskies123
Thu May 25, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3194

Re: Fidelity customer protection guarantee-void if you use Mint?

I just don't believe that Fidelity's wording is good enough to stand up in court. It's too vague. They wouldn't be going up against an individual, it'd be a large group of individuals in a class action lawsuit in my opinion if a breach occurred. I'd hate to be part of that first group that gets bre...
by Blueskies123
Wed May 24, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Major home and auto hail damage claim - now what?
Replies: 8
Views: 992

Re: Major home and auto hail damage claim - now what?

Your in for a nightmare. Living in a hurricane prone area my experience is that the insurance company will send the house money to a bank in escrow and you have to submit paid invoices to get your money, one invoice at a time. The people swarming your neighborhood will double their rates so the $45K...
by Blueskies123
Wed May 24, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3194

Re: Fidelity customer protection guarantee-void if you use Mint?

90% of my retirement assets are at Fidelity. For that very reason I do not do any on-line banking with Fidelity. I wire money from Fidelity, if I need to, to my bank and do all my on-line banking with my local bank. I really like Mint so I connect Mint to my local bank, credit cards. That way Mint s...
by Blueskies123
Mon May 22, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 34
Views: 3727

Re: Firefox painfully slow

You do not say what kind of computer you have. If it is a 64 bit computer you can download the new 64 bit Firefox. You have to look for it on their website. They make it hard to find. I downloaded it yesterday and everything works faster.

As mentioned you might want to do the refresh first.
by Blueskies123
Thu May 18, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Kitces - new tools for safe withdrawl rates
Replies: 3
Views: 1045

Kitces - new tools for safe withdrawl rates

A lot of Kitces material is aimed at professional financial planners but this article reviewed a number of new software tools for safe withdrawal rates, most are expensive but have a free two week sighup period. In particular there is one very interesting chart going back to 1926. The chart cleanly ...
by Blueskies123
Tue May 16, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2878

Re: Tilting/Factors: My Conclusions (Challenges welcome)

My 2 cents is that tilting with factors might make sense if I had 10-100 million dollars or was the co founder of data rich mutual fund but for me, my factor is simplicity. I tilt slightly to small caps and that is it. KISS.
by Blueskies123
Mon May 15, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 57
Views: 4361

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

Did you do the big service required at 120,000 miles. They change the spark plugs
by Blueskies123
Mon May 15, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7835

Re: How do Bogleheads buy cars?

I would rather buy Total Market Index Fund from Vanguard than an expensive car so I have bought 2 Ford Fusions and 1 Silverado work Truck for my current 3 vehicles. I have never had a car payment other than for 3 months when Ford knocked 1000 off one of my Fusions if I would finance it. I'm sure yo...
by Blueskies123
Thu May 11, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 10535

Re: Did you buy SNAP?

Snapchat reminds me of the B2B and .com bubble
by Blueskies123
Mon May 08, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Homeowners Ins went up 11%
Replies: 25
Views: 2773

Re: Geico Homeowners Ins went up 11%

I retired from a large property and casualty Insurance company. I found that there is no reason to be passive with rates. They don't worry when your rates go up, so I shop rates every year and usually change companies every 3-4 years depending on the best rates. They are all governed by the State I...
by Blueskies123
Wed May 03, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Truck purchase: buy new vs buy used vs lease analysis
Replies: 23
Views: 2159

Re: Truck purchase: buy new vs buy used vs lease analysis

People complain they cannot get discounts off of the Camry or Accord- it thee most popular car. The F150 is thee most popular truck. You are going to get screwed on the price unless you go with a less desirable truck - like Chevy, GMC, or Ram. If you have to have a F150 maybe you can find a demo or ...
by Blueskies123
Sat Apr 29, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Marriage Advice
Replies: 10
Views: 1471

Re: Marriage Advice

It is funny how no one - anywhere - ever talks about why men want out of a marriage.
by Blueskies123
Thu Apr 27, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4731

Re: Stay Out Of REITs?

Despite what the others say it does not make a lot of sense to diversify into REITs at all time highs.
by Blueskies123
Mon Apr 24, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Space X launch in Florida
Replies: 8
Views: 1158

Re: Space X launch in Florida

You have to be prepared for a cancelled or a postponed launch. The launch I wanted to see was rescheduled 3 times. Fortunately I live in Florida and am retired so I just moved the date on my calendar. Also be advised that if they move the launch date you will not get your money back, they expect you...
by Blueskies123
Thu Apr 20, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39306

Re: Larry Swedroe says "Goodby."

I was always appalled at those personal attacks I read after you would post. To think that you would invest 15 hours of your time each week to educate us for free is admirable and for one I appreciated your contribution. I wish there was a solution other than you to leave, it would be better to ban ...
by Blueskies123
Wed Apr 12, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7721

Re: leaving early from work

If they let you come in late why should anyone else come in on time? Will your coworkers have to do your work if you come in late every day? I noticed in your post that you did not say you could work late to make up the lost time. Are you thinking you will just work less hours than everyone else?
by Blueskies123
Mon Apr 10, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12133

Re: Ordering a Weber grill this week

Expensive for a grill...but with a cover I expect it to last "forever"... I have learned the hard way to never use a cover. My expensive stainless steel grill rusted completely out within two years. The cover traps warm humid air next to the grill all summer long. Once I lost the cover......
by Blueskies123
Mon Apr 10, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 12133

Re: Ordering a Weber grill this week

I have the closed Genesis with the side burner and cover. The cover keeps dust and dirt away and makes for a much cleaner appearance. Some guests like a nice clean and shiny object to look at but I like it also so it is important to me. I do not use the side burner much but I would get it again beca...
by Blueskies123
Sun Apr 02, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Florida prop taxes + insurance?
Replies: 23
Views: 1683

Re: Florida prop taxes + insurance?

You need to compare auto insurance also, I, it will be much higher in Florida.
by Blueskies123
Fri Mar 31, 2017 7:09 am
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 79
Views: 8387

Re: Bankruptcy of Westinghouse Electric

Nothing wrong with current nuclear tech except the price is too high.... And the current fuel cycle is kinda inefficient with the U.... And Breeders are super expensive and more technically challenging than boosters claim. Wind and Solar (and soon storage) is where's its at. Cheap. Plentiful. Power...
by Blueskies123
Thu Mar 30, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: florida trip help Tampa area to the Keys
Replies: 6
Views: 505

Re: florida trip help Tampa area to the Keys

I think there is a ferry from either Tampa, Marco, or Naples that goes to Key West. I wish they had one from Miami.
by Blueskies123
Mon Mar 27, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 1061

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

No, but really cheap ones might not have all the safety features.

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