Search found 599 matches

by Bob B
Sun Jul 17, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: How many bond funds do we really need?
Replies: 3
Views: 392

Re: How many bond funds do we really need?

Intermediate -Term has been the sweet spot for me for many years, though I use VBILX - IT Bond Index Fund Admiral, not VFIDX.
by Bob B
Wed Jul 06, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8298

Re: synthetic oil changes

I used to think those were great, until buying an oil extractor. No more getting under the car or mess, easy peasy. Yup, greatest thing ever. I love not needing a jack or drain pan to change my oil and filter, and using one, maybe two, paper towels to clean up. I'm confused! How does an oil extract...
by Bob B
Wed Jul 06, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees ?
Replies: 35
Views: 4821

Re: Health Insurance for Retirees ?

I ask again, is the Cobra I am being offered a good deal? I think it is and am ready to sign up. Thanks, Ken Yes, your rate is good. I too found my COBRA coverage better than any ACA plan I investigated (how sad.) It will take me to Medicare since I have an extension beyond 18 months due to a disab...
by Bob B
Tue Jul 05, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Condo vs Townhouse Living
Replies: 35
Views: 4340

Re: Fire escape

You might want to rethink your exit strategy. Most people will not survive a 300+ feet fall in water that you will encounter jumping off 35th floor assuming ground level swimming pool. Golden Gate Bridge is only 200 feet and it has 98% fatality rate for people jumping off the bridge in water. Even ...
by Bob B
Mon Jul 04, 2016 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT Index (VGSIX): a Good Investment, Now?
Replies: 11
Views: 3518

Re: Vanguard REIT Index (VGSIX): a Good Investment, Now?

...also what's the difference between buying investment property and renting it out vs REITs? A REIT fund will be more diversified than owning a single or a few properties (dozens to hundreds of properties.) No landlord responsibilities for you. Also, REIT funds are made up of apartment buildings a...
by Bob B
Sun Jul 03, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8298

Re: synthetic oil changes

munemaker wrote:
Swansea wrote:Oil, brake and coolant are all auto fluids that deteriorate with time.
Synthetic oil is needed in turbo charged engines.


As well as transmission fluid, ...


Except in my Corolla with a CVT, the transmission oil cannot be checked and there is no Toyota recommendation to ever change it.
by Bob B
Sat Jul 02, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation of IRA Dividends and Capital Gains
Replies: 8
Views: 642

Taxation of IRA Dividends and Capital Gains

Quick question about taking dividends and capital gains from a Traditional IRA - if I have those dividends and CG distributions automatically transferred from my traditional IRA to my taxable money market fund, that is a taxable transaction, correct? (BTW, I am 63 years old.) That same scenario from...
by Bob B
Mon Jun 27, 2016 3:20 pm
Forum: Forum Issues and Administration
Topic: BH [Bogleheads.org forum] is back!
Replies: 51
Views: 5036

Re: BH [Bogleheads.org forum] is back!

mrc wrote:Yay. I was going nuts.

Huh? What was going on in the investment world at 6:35 am on a Sunday that caused you to go nuts over a website outage? I am really curious.
by Bob B
Tue Jun 21, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with appliances from Home Depot?
Replies: 29
Views: 1982

Re: Anyone else have problems with appliances from Home Depot?

celia wrote:I prefer simpler cars and appliances...


Right on! I can't wait for the posts (problem complaints) about the new Samsung Family Hub refrigerator with its cameras and monitor. What people will spend their money on.
by Bob B
Thu Jun 16, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: VBILX or VBTLX? [Vanguard Intermediate-Term or Total Bond]
Replies: 16
Views: 1394

Re: VBILX or VBTLX?

seanmerron wrote:
mongstradamus wrote:Another issue i would take into account with Vanguard Intermediate term bond vs total bond fund is if you want MBS in your bond fund or not. At least thats what i was looking at when i was looking at bond funds.


MBS?


Mortgage Backed Securities
by Bob B
Sat Jun 11, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area
Replies: 27
Views: 1196

Re: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area

I cannot confirm what type of sod they laid down. I can ask the company. My wife is pushing for seed, and I am trying to tell her just getting a patch of sod, cutting it to form is best. For the Philly area, this is not the time of year to start seed. The summer will kill it. You need to wait until...
by Bob B
Thu Jun 02, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability???
Replies: 27
Views: 1996

Re: Social Security Disability???

Start keeping a hand written journal of the problems you experience. After my wife was diagnosed with MS some years ago our family attorney suggested this. By the time her MS worsened to the point of filing for disability she had about 5 years of spiral notebooks plus all her doctors records and MR...
by Bob B
Wed Jun 01, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 46
Views: 10506

Re: New "Flagship Select" level at Vanguard

I find the Vanguard "levels" to be a marketing joke. Over the years, I have passed through many of the levels and nothing changed other than the cost of stock trades which was not important to me. When I made it to Flagship, a Flagship rep calls me about every six months and asks me the sa...
by Bob B
Tue May 31, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: backyard for a new house, pavers questions
Replies: 36
Views: 1972

Re: backyard for a new house, pavers questions

I think the contractor is light on the base. When I had a small paver patio installed, the contractor told me 8" base for patios and 10"-12" base if vehicles will drive on it. This is mid-Altlantic where the ground freezes. Maybe the spec is less if the ground does not freeze. An inad...
by Bob B
Mon May 30, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Windshield chipped - call insurance company?
Replies: 26
Views: 1908

Re: Windshield chipped - call insurance company?

This falls under the Comprehensive portion of your insurance, not Collision. There will be no adverse effect on your record or rate, so get it fixed.
by Bob B
Tue May 24, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Why are health care funds down in 2016?
Replies: 10
Views: 1015

Re: Why are health care funds down in 2016?

Brooks wrote:Some of that must be market reacting with emotion.


Well, I think you just described the stock market.
by Bob B
Mon May 23, 2016 6:02 pm
Forum: Forum Issues and Administration
Topic: Warning Levels
Replies: 1
Views: 671

Warning Levels

What does Warning Level [1] mean in a profile? Are posts held for moderator review before appearing on the forum? Does the warning level eventually expire? Thank you.
by Bob B
Sun May 22, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 1873

Re: Local TV channels - via streaming?

Has anybody turned their mattress springs into a TV antenna? It should be easy to do. Are you ok? I just noticed today that you're frequently commenting on posts - but not making any sense. Do you have a E.E. degree? It makes perfect sense and would be a very Bogleheadish thing to do. It would not ...
by Bob B
Wed May 18, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Proper Protocol to Handle Fender Bender
Replies: 41
Views: 3482

Re: Proper Protocol to Handle Fender Bender

So, everybody says call the police. Sounds like good advice and I would do it. But, what if the accident is in a big city like Philadelphia where police will not respond to a fender bender? Then what? Did find this http://www.jefferson.edu/university/security/auto_accident.html I once had a fender ...
by Bob B
Wed May 18, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Proper Protocol to Handle Fender Bender
Replies: 41
Views: 3482

Re: Proper Protocol to Handle Fender Bender

So, everybody says call the police. Sounds like good advice and I would do it. But, what if the accident is in a big city like Philadelphia where police will not respond to a fender bender? Then what?
by Bob B
Mon May 16, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: private health insurance: broker or no?
Replies: 2
Views: 373

Re: private health insurance: broker or no?

The advantage of using a broker is that you can get prices without actually applying for a policy. If you apply for a policy on your own and you are denied, that is on your record and few other companies will offer you a policy.
by Bob B
Mon May 16, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best use of HSA
Replies: 4
Views: 793

Re: Best use of HSA

Now that I am retired, I use the HSA account I built up while working for large expenses, like the hearing aids I have to pay for tomorrow. My plan is to use it up before I die :D .
by Bob B
Mon May 16, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 3896

Re: Is it OK to leave home wifi on?

cheese_breath wrote:I leave mine on all the time, but I don't leave any computers turned on. If someone has been casing the neighborhood and knows what wifi are usually on I'm afraid he might suspect I'm gone if mine isn't on too.


How does your WiFi broadcasting identify your home address?
by Bob B
Sun May 15, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Quick SPIA question
Replies: 9
Views: 1141

Re: Quick SPIA question

I agree with Taylor. No reason not to spread it around. Do you really believe in the "too big to fail" propaganda?
by Bob B
Sun May 15, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: how do you track and view your asset allocation?
Replies: 27
Views: 2221

Re: how do you track and view your asset allocation?

Microsoft Excel spreadsheet with a couple of pie charts. I update it once every quarter. Very quick and easy and it is secure on my computer.
by Bob B
Sun May 15, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 7236

Re: 30 minute commute?

From what I've read, and what fits with my own life: * 1 hour commutes are not very sustainable , particularly in a world with snow and traffic Really? I sustained a 2+ hour round trip commute for 20 years in Pennsylvania (with snow and traffic extending that to 3+ hours once in a while.) The job w...
by Bob B
Tue May 10, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: I cannot stop buying... [Investing/Personal Finance Books]
Replies: 54
Views: 7562

Re: I cannot stop buying... [Investing/Personal Finance Books]

I have The Investor's Manifesto, The Boglehead's Guide to Retirement Planning and Social Security Made Simple. They cover everything that is needed to know.

What would I gain by sinking more money into books that are just variations on a theme?
by Bob B
Tue May 10, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4861

Re: Noise Reduction

A white noise generator (fan) is very effective with masking noises. I can't sleep without one due to my tinnitus and sensitivity to noises. http://www.amazon.com/dp/B000KUHFGM/ref=wl_it_dp_o_pd_nS_ttl?_encoding=UTF8&colid=2VA38XSPDCZSD&coliid=I2E96X00BAM777&psc=1 $50 and you don't have ...
by Bob B
Mon May 09, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Tips for Selling Bedroom Set
Replies: 27
Views: 2127

Re: Tips for Selling Bedroom Set

I'm new at donating household items to charity. How big of a tax donation receipt can you expect to get from an expensive bedroom set? And how do they come up with the number? "They" usually don't come up with the number. You do. The charity typically gives you a receipt that lists the it...
by Bob B
Mon May 09, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Tips for Selling Bedroom Set
Replies: 27
Views: 2127

Re: Tips for Selling Bedroom Set

Regarding Craigslist...are you comfortable with strangers coming into your house? It's not like you can haul a bedroom set to a safe location for viewing. My choice in this situation is to contact family first and if no takers contact a reputable charity and take the tax deduction. Many charities or...
by Bob B
Fri May 06, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Steam Shower - Your experiences?
Replies: 30
Views: 3762

Re: Steam Shower - Your experiences?

Just make sure your room ventilation is above average. Trapped steam will ruin many building materials and cause mold.
by Bob B
Fri May 06, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs in retirement
Replies: 26
Views: 2939

Re: Healthcare costs in retirement

abuss368 wrote:Does anyone use an Health Savings Account?


Yes. I built up my HSA while I was still working for the purpose of using it during retirement. I am about to tap it for the first time to pay for hearing aids.
by Bob B
Fri May 06, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Should I Buy an annuity?
Replies: 16
Views: 2257

Re: Buy an Annuity Now or Wait?

jgarr: Welcome to the Bogleheads Forum! A Single Premium Immediate Annuity (SPIAs) offers freedom from stock market risk and insurance they you will have income as long as you live (I own two). However, I believe it is better for most people to wait until around 80 before purchasing--and then only ...
by Bob B
Fri May 06, 2016 10:58 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 68
Views: 7395

Re: Revealing Usernames

Best advice I ever received and continue to live by is..."Once you put it in writing, you have no expectation of privacy." This goes for the Internet and everything else.

I have noticed that most moderators on Bogleheads do not use their real name. What does that tell you?
by Bob B
Fri May 06, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 4925

Re: Just called Directv and saved $600 for one year

As soon as the NHL season is over (mid June), I plan to cut the cable cord and go with antenna and some type of streaming device. I'm guessing you are a hockey fan. What happens when the new season starts and you have already cut the cord? In Philadelphia area, one needs cable to watch local sports...
by Bob B
Wed May 04, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: "MetLife to Pay $25 Million"
Replies: 13
Views: 2367

Re: "MetLife to Pay $25 Million"

Who gets the $25M?
by Bob B
Mon May 02, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Sue your employer over 401k
Replies: 26
Views: 3600

Re: Sue your employer over 401k

Why wouldn't every 401k manager offer both indexes and actively managed funds in their portfolios? And treasuries, for that matter? The marginal cost for adding a few from each category seems like it should be close to zero; the hard part is setting it up in the first place. Who is the "401k m...
by Bob B
Sun May 01, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 560
Views: 65935

Re: High Earners - What's Your Profession?

Manufacturing Engineer in the mid-Atlantic area $100K+ for a number of years (defense and commercial aerospace electronics industry, but now retired at 62 with well over $1M in net worth.)
by Bob B
Thu Apr 28, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Alternatives to Consumer Cellular?
Replies: 7
Views: 668

Re: Alternatives to Consumer Cellular?

Tracfone. I have been a satisfied customer for many years, but I am not a heavy cell phone user (actually I have a telephone phobia.) Occasional phone call or text message. No web surfing. They don't offer the the latest phones if that is what you need. But, at $8.25/month I am more than happy. I bu...
by Bob B
Thu Apr 28, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: The All Seaon Portfolio by Tony Robbins
Replies: 11
Views: 2789

Re: The All Seaon Portfolio by Tony Robbins

Tony Robbins is an entertainer. Why anybody would consult him for financial advice is puzzling to me.
by Bob B
Thu Apr 28, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: White Noise/Soothing Sound Apps
Replies: 7
Views: 533

Re: White Noise/Soothing Sound Apps

I use one of these while sleeping... http://www.amazon.com/dp/B000KUHFGM/ref=wl_it_dp_o_pd_nS_ttl?_encoding=UTF8&colid=2VA38XSPDCZSD&coliid=I2E96X00BAM777&psc=1 Can't sleep without it. In addition to blocking out sleep disturbing noises, I also have tinnitus and it helps drown out the ri...
by Bob B
Tue Apr 26, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2506

Re: CVT car transmissions

My 2014 Corolla has 25,000 miles on it. No CVT problems. It is a sealed system and requires no maintenance like fluid changes. It just does its job in the background.
by Bob B
Fri Apr 22, 2016 7:20 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri to start robo advisor business
Replies: 10
Views: 5083

Re: Rick Ferri to start robo advisor business

patriciamgr2 wrote:OP: Is an edit of the title in order?


To what? "Rick Ferri tried to start robo advisor business"?
by Bob B
Wed Apr 20, 2016 7:54 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri to start robo advisor business
Replies: 10
Views: 5083

Rick Ferri to start robo advisor business

For those wondering about Rick, a quick Google search turned up this about Rick starting a robo advisor business...It is dated about a year ago.

http://www.etf.com/sections/features-and-news/rick-ferri-launching-robo-advisory?nopaging=1
by Bob B
Tue Apr 19, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: New grad [housing options in] moorestown, nj area
Replies: 13
Views: 1102

Re: New grad moorestown, nj area

I worked for 19 years in Moorestown, NJ in an engineering position, but lived in middle Bucks County, PA. Commute was horrible, but job was worth it until we got bought by a mega corp. I decided to retire when they shut us down. Moorestown is an affluent area, so housing may be expensive. But, as ot...
by Bob B
Fri Apr 15, 2016 5:06 pm
Forum: Personal Consumer Issues
Topic: Air conditioning tech during inspection period
Replies: 6
Views: 923

Re: Air conditioning tech during inspection period

My central air outside unit (Lennox brand) has always lasted 15+ years (Pennsylvania - used late April/early May thru early September). I say 15+ because I never kept one until it died. I always replaced them after about 15 years to take advantage of efficiency improvements and not wanting to have i...
by Bob B
Fri Apr 15, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5920

Re: The Lawn vs. The Homeowner (guess who's winning)

czeckers wrote:There was a guy on PBS in Pittsburgh who had a gardening show that would come up with recipes like that. It was amusing to watch. I wish I could remember his name.


You Bet Your Garden with Mike McGrath? (He has a radio show on PBS. Not sure if he ever did TV.)
by Bob B
Thu Apr 14, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5920

Re: The Lawn vs. The Homeowner (guess who's winning)

...We have to keep our lawn within certain shades of green due to our HOA, so the sprinklers were not just a splurge for us... Wow! How do they objectively measure that? Does somebody come out with various color cards for comparison or is it just a brown vs. green assessment. Sounds like your HOA m...
by Bob B
Thu Apr 14, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4546

Re: disability insurance: do I really need it?

I once needed to claim short term disability to recover from an injury. The process was exceptionally difficult and made more so by being injured and under heavy narcotics. The experience has given me severe doubts about my ability to successfully use any insurance policy that requires me to fill o...
by Bob B
Thu Apr 14, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance: do I really need it?
Replies: 53
Views: 4546

Re: disability insurance: do I really need it?

I looked at this at one time and decided not to because the disability covers 1. If you can't work in the same type of job again. 2. SS will deduct the money you get from the insurance company 3. You see the disability approved doctor. Has this been other people's experience? 1. Policies can be pur...

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