Search found 532 matches

by Bob B
Fri Feb 05, 2016 4:45 pm
Forum: Investing - Theory, News & General
Topic: "Picking Individual Stocks is a Loser's Game"
Replies: 67
Views: 4713

Re: "Picking Individual Stocks is a Loser's Game"

I am wondering how much of the "Loser's Game" applies to stock dividend investing. Since it is easy to research a company's dividend paying history, is that really a loser's game?
by Bob B
Fri Feb 05, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 3615

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

Huh. My in-law was wrong then. She was unsuccessful applying for SSDI (bad back) for 15 years until she finally hired an SSDI/SSI specific case lawyer who won her case within a year from then. She says he(lawyer) will receive a cut of the award for the life of the claim, just like SWIF attorneys re...
by Bob B
Fri Feb 05, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 3615

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

Careful there ! SSDI, SSI lawyers will take a chunk of that award out of you for the life of the claim,.. So wait until a decision comes down regards your claim before doing the preceding. Or consult with an upfront fee only lawyer maybe. Consider paying off the loans and cut spending by 20%-30% if...
by Bob B
Thu Feb 04, 2016 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 3615

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

Speaking from experience, winning SSDI is easier the older you are. At 62, I was approved in 3 months with MS based on my initial application (no appeal necessary.). My best advice is to not go it alone. Find a nearby SSDI lawyer who can review your application before submitting it and who will repr...
by Bob B
Wed Feb 03, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6381

Re: What age did you retire

62. I agree completely with Taylor - "It is wonderful to wake-up in the morning and do whatever I want...". This is a good life.
by Bob B
Wed Jan 27, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6056

Re: perfectly happy with cable

You are not alone. I have never found an alternative that included local professional sports teams. My cord cutting friends generally end up watching reruns of movies on Netflix. Not my thing. I pay $125/month for FiOS triple play. No extras like HBO, etc. Very convenient to have everything come thr...
by Bob B
Wed Jan 27, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Gmail Spam Explosion
Replies: 22
Views: 2115

Re: Gmail Spam Explosion

I get 25-30 per day in my Gmail spamfolder. And I have to look through it because the Gmail spam filter is pretty aggressive. It has learned that Vanguard emails are not spam, but that took some training with the "Not Spam" button. But I still have a few valid emails per week that end up ...
by Bob B
Tue Jan 26, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Co-owner of safe deposit box?
Replies: 13
Views: 1146

Re: Co-owner of safe deposit box?

Finally got a will and I am thinking of opening a safe deposit box at my local bank for the will and some other items. I'd feel more comfortable not keeping it in the house. One idea I had was to make a trusted friend a co-owner, so they would have access to the box in the event something happens t...
by Bob B
Fri Jan 22, 2016 8:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 4982

Re: Hope everyone is well [Preparing for Eastern US blizzard]

My goodness People. It's the middle of January in New England, the Middle Atlantic - it snows. Maybe because I grew up in Western New York in the snow belt, but winters in the east are pretty benign. I lived in the country, some roads were not plowed, in the spring people would sometimes find cars ...
by Bob B
Wed Jan 20, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Notice / Counter Offer Situation
Replies: 61
Views: 5094

Re: Insane Notice / Counter Offer Situation

I would be shocked if they let you stay three weeks given the circumstances. I would plan on enjoying some time off before you start your new job, although it will be unpaid unless you have vacation time they owe you. Unfortunately, you may never be able to use this company as a future reference. It...
by Bob B
Sun Jan 17, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: White-Rodgers Thermostats
Replies: 13
Views: 1049

Re: White-Rodgers Thermostats

As another funny, my wife decided I was such an "expert" on the thermostat batteries, we should clean the furnace filters today. Which we did. Does anyone have a clue why furnace filters are so hard to remove and insert? You need a ladder to get at them, a flashlight held by the wife to s...
by Bob B
Sun Jan 17, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: White-Rodgers Thermostats
Replies: 13
Views: 1049

Re: White-Rodgers Thermostats

Two very important lessons mentioned here:

1. Read the manual.
2. Set up a regular battery replacement schedule on your calendar for important battery operated devices like thermostats, smoke detectors, CO detectors, etc. The life you save may be your own.
by Bob B
Thu Jan 14, 2016 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: HSA 2015 Contribution
Replies: 7
Views: 663

Re: HSA 2015 Contribution

When my severance ended I moved my HSA to Alliant Credit Union because Bank of America was going to start charging me $4.50 per month if I left it there. Alliant has no fees whatsoever unless you invest in their lineup of mutual funds.
by Bob B
Thu Jan 14, 2016 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: HSA To IRA Question
Replies: 4
Views: 249

Re: HSA To IRA Question

As you're already retired and not wanting to save receipts, you might just consider your HSA as your retirement health account, going forward. HSA can be used for your Medicare A, B, D payments, even set up for auto-pay. Especially sweet if you're planning to delay SS 'til 70. And, of course, HSA f...
by Bob B
Thu Jan 14, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: HSA To IRA Question
Replies: 4
Views: 249

HSA To IRA Question

During the last four years of my career (now retired) I built up a sizable HSA. I know the rules about saving receipts to enable future tax-free withdrawals, but I really don't want to keep and track years of receipts. Can I withdraw HSA money (assuming I have receipts to cover the amount) and place...
by Bob B
Mon Jan 04, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Recommend prepaid text and talk plans
Replies: 14
Views: 1095

Re: Recommend prepaid text and talk plans

I have been a happy Tracfone customer for many years. I buy the one-year card for $100 each year at renewal time. Works out to less than $9/month. Like you, I am not a heavy phone or text user.
by Bob B
Sun Jan 03, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Basement issues - how to pay
Replies: 22
Views: 1949

Re: Basement issues - how to pay

Regarding the Roth withdrawal, how old are you? If you are under 59.5, you will pay income tax and a 10% penalty on your withdrawal.
by Bob B
Sun Jan 03, 2016 6:04 pm
Forum: Personal Consumer Issues
Topic: Giant Digital Picture Frame
Replies: 7
Views: 656

Re: Giant Digital Picture Frame

The problem I have with digital picture frames or a LCD TV is that once the viewer moves off axis, the quality of the photo suffers badly. I prefer printing my best work and displaying it in traditional picture frames hung at eye level on a wall. I frequently change out the photos.
by Bob B
Thu Dec 31, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Question
Replies: 30
Views: 1869

Re: Health Insurance Question

Of course, every situation is different, but COBRA was less expensive for me than an equivalent Obamacare (Gold) plan by $200/month. I was surprised because I do qualify for some level of subsidy, but that is how it worked out. My COBRA will carry me to Medicare.
by Bob B
Thu Dec 17, 2015 8:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 231
Views: 31067

Re: Roll Call for the Retirement Class of 2015!

Of those that listed their age, Bogleheads seem pretty keen on early retirement. I think there may be a lesson there somewhere.
by Bob B
Tue Dec 15, 2015 7:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 231
Views: 31067

Re: Roll Call for the Retirement Class of 2015!

I gracefully exited on June 26 at 62 years of age. No tears.
by Bob B
Sat Dec 05, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Planned to retire 4/29/16 but now??
Replies: 9
Views: 2152

Re: Planned to retire 4/29/16 but now??

That was my strategy in the same situation. When our small company was bought by a very large multi-national, I knew what was coming. I hung in and was able to walk away with a large severance AND six months unemployment compensation. Just be aware that it can take time for the end to come and it ca...
by Bob B
Sat Dec 05, 2015 2:27 pm
Forum: Personal Consumer Issues
Topic: Any opinions on a ventless dryer?
Replies: 16
Views: 1070

Re: Any opinions on a ventless dryer?

Aren't clothes dryer fires pretty high on the list of most common causes of home fires? From the NFPA: "Dryers and washing machines were involved in one out of every 22 home structure fires reported to U.S. fire departments in 2006-2010. Facts and figures In 2010, an estimated 16,800 reported ...
by Bob B
Sat Dec 05, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: Any opinions on a ventless dryer?
Replies: 16
Views: 1070

Re: Any opinions on a ventless dryer?

Do you have a way to expel the moisture and heat that will be added into the room from the dryer (like an exhaust fan?)
by Bob B
Tue Nov 17, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Unsolicited FOR SALE SIGN at my property. Please advise.
Replies: 50
Views: 7788

Re: Unsolicited FOR SALE SIGN at my property. Please advise.

[OT comments removed by admin LadyGeek]
by Bob B
Sat Nov 14, 2015 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not use Saturna for an HSA?
Replies: 11
Views: 1287

Re: Any reason to not use Saturna for an HSA?

I have no knowledge of Saturna, but I recently was looking at providers of HSA accounts and came across Alliant Credit Union. No fees whatsoever so immediately a $25 savings over Saturna.
https://www.alliantcreditunion.org/bank/health-savings-account#features
by Bob B
Sat Nov 07, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Final Question on ACA/'obamacare" application 2015
Replies: 22
Views: 2607

Re: Final Question on ACA/'obamacare" application 2015

So what happens when someone retires early? I had a six figure income the past five years. In 2016 my income from wages will be 0, thereby affording me a premium tax credit (subsidy.) How does looking back at my past income have any value?
by Bob B
Sat Nov 07, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Thriller Novels
Replies: 27
Views: 2410

Re: Thriller Novels

You may enjoy some of the novels of Stephen Coonts that feature his characters Jake Grafton and Tommy Carmellini - Liberty, The Traitor, The Assassin, etc.. I too am a fan of the late Vince Flynn's novels.
by Bob B
Wed Oct 28, 2015 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: SS Disability and SS Retiremet
Replies: 4
Views: 658

SS Disability and SS Retiremet

If a person is approved for Social Security disability payments at age 62 (assume person is not taking early retirement benefit at 62), will those payments convert to Social Security retirement payments at FRA (which would be higher $ than the disability benefit) or does the person receive the disab...
by Bob B
Mon Oct 12, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: LogMeIn to acquire LastPass
Replies: 46
Views: 3259

Re: LogMeIn to acquire LastPass

"Secondly, this acquisition provides us with access to resources that will enable us to innovate faster, as we continue to strive to deliver an even better product than the one you have come to know and love. It is also important to note that the current LastPass team is staying in place and r...
by Bob B
Mon Oct 12, 2015 4:45 pm
Forum: Personal Consumer Issues
Topic: Headlights & car safety
Replies: 48
Views: 3764

Re: Headlights & car safety

My 2014 Corolla has LED headlamps and I like them very much. Bright and a wide field of view. Once in a while somebody coming towards me on a dark two lane road will blink their highs at me, so the LED's may be a little too bright to them. Of course, they will likely be more costly to replace than t...
by Bob B
Sat Oct 10, 2015 8:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Webinars
Replies: 8
Views: 1222

Re: Vanguard Webinars

I have signed up and listened to quite a few webinars over the past several years. I have found them to be quite basic and probably more helpful to newer investors. At this point in my life and investing experience, I have rarely learned anything new from them, but they do serve to reinforce the bes...
by Bob B
Wed Sep 09, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help me make sense of variable annuities
Replies: 15
Views: 1516

Re: Help me make sense of variable annuities

I have learned quite a bit about annuities from Stan the Annuity Man: http://www.stantheannuityman.com/ I have not yet obtained an annuity, but I think Stan's philosophy and advice is better than most. Have him send you a copy of his The Annuity Stanifesto. It is a good primer to annuities.
by Bob B
Tue Sep 08, 2015 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 280
Views: 33303

Re: Question for the Bogleheads Millionaires

Many people are underpaid, and living paycheck to paycheck. What was your story for breaking out of this cycle? In most cases, is the solution really just a higher salary and higher savings rate? Or is there something else that people should consider? Other forms of income maybe. I may never have m...
by Bob B
Sat Mar 22, 2014 2:37 pm
Forum: Personal Consumer Issues
Topic: Anyone know of places to purchase canes
Replies: 26
Views: 1529

Re: Anyone know of places to purchase canes

I use this company: http://www.walkingcaneco.com/
I am happy with their selection and service.
by Bob B
Thu Sep 12, 2013 7:21 pm
Forum: Personal Consumer Issues
Topic: Contractors, References & Angie's List
Replies: 19
Views: 2284

Re: Contractors, References & Angie's List

I'm with your contractor's way of thinking. Of course he would only give you favorable references, so what's the point? Kind of like employers asking for references. As to privacy, I would not want a contractor giving my name and contact info to total strangers. More meaningful to get recommendation...
by Bob B
Sat Sep 07, 2013 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking Donations
Replies: 25
Views: 1437

Re: Tracking Donations

For each donation, I just write up a hand-written list of the items and put a value on each item (what I think a person would pay.) I lump like items into one line, e.g. 5 hardback books, 10 pr. of socks, etc. I staple the receipt from the organization to it and place it into the folder I keep for a...
by Bob B
Thu Jun 06, 2013 8:33 pm
Forum: Personal Consumer Issues
Topic: Demo a Bathroom (Save Costs)
Replies: 27
Views: 3069

Re: Demo a Bathroom (Save Costs)

The thinish concrete board is greenboard. I'd be very worried if it was just sheetrock behind the tile. Green board is gypsum, not concrete. It has the same gypsum core as regular drywall. but the paper cover is a thicker water-resistant variety (and colored green.) I would never hang tile on green...
by Bob B
Fri May 10, 2013 8:48 pm
Forum: Personal Consumer Issues
Topic: FIOS Battery Replacement
Replies: 37
Views: 6143

Re: FIOS Battery Replacement

Bob b Wow! That is an incredible price. So seriously...........what did you do with the old battery..honestly now. cb Honestly...I took it to work and put it in the battery recycle bucket. When the pail is full, it is sent to a state certified recycler/reclaimer. Lacking that option, I would have s...
by Bob B
Thu May 09, 2013 8:14 pm
Forum: Personal Consumer Issues
Topic: FIOS Battery Replacement
Replies: 37
Views: 6143

Re: FIOS Battery Replacement

This is what I used for my FiOS battery replacement:
http://www.apexbattery.com/gs-battery-px12072-battery-sealed-lead-acid-batteries-gs-battery.html
Has been trouble free.
by Bob B
Wed Apr 03, 2013 8:16 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Contract Expiring & Desire to Save $$
Replies: 13
Views: 1000

Re: Cell Phone Contract Expiring & Desire to Save $$

I buy the 1-year of service card from Tracfone, so I pay roughly $8/month for cell phone usage. Love it! I just do phone and texting. Not a heavy user. I have so many minutes (units) built up over the years it is a lifetime supply for me. Phones are widely available from retail stores or Tracfone we...
by Bob B
Fri Jan 18, 2013 9:25 pm
Forum: Investing - Theory, News & General
Topic: County Pension Fund Moving to Vanguard
Replies: 3
Views: 460

County Pension Fund Moving to Vanguard

Well, here is a feel good story. Montgomery County (PA) is jettisoning their pension fund's money managers and placing 90% of the fund at Vanguard. The article doesn't reveal what funds are being chosen, but the commissioners seem to have jumped on the passive investing train. Good for them. http://...
by Bob B
Mon Jan 07, 2013 8:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Yr End Statements: Save Them?
Replies: 51
Views: 3076

Re: Vanguard Yr End Statements: Save Them?

I keep all financial statements as PDF files just so I have something other than online at the investment company's server. Once the year end statement is available I erase (using Eraser) the quarterly statements. They are in a TrueCrypt container with my other sensitive data. Backed up, of course.
by Bob B
Sat Jul 14, 2012 8:59 pm
Forum: Personal Consumer Issues
Topic: Source for Book reviews?
Replies: 12
Views: 982

Re: Source for Book reviews?

Valuethinker wrote:I would also recommend the New York Times book review section, if available on line?


I keep up with the NY Times Book Review here:
http://www.nytimes.com/pages/books/review/index.html
by Bob B
Thu Jun 21, 2012 7:56 pm
Forum: Personal Consumer Issues
Topic: Back up systems
Replies: 13
Views: 1130

Re: Back up systems

dm200 wrote:...For the car, perhaps a single key in your wallet?


If you lose your wallet, doesn't that give the finder (a potentially bad person) your address and car key?
by Bob B
Tue Jun 19, 2012 8:23 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein's new e-Book now available
Replies: 109
Views: 15464

Re: Bill Bernstein's new e-Book now available

I have found that ebooks with charts and tables don't always format well on an e-reader. They can be truncated or split between two pages. Can anyone share how well the charts and tables in this book reproduce? Thanks.
by Bob B
Sat Mar 31, 2012 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Budget spreadsheet?
Replies: 2
Views: 630

Re: Budget spreadsheet?

Google "excel budget" and you will get many samples to choose from.

Here's a good place to start:
http://office.microsoft.com/en-us/templates/CL102207099.aspx
by Bob B
Thu Jan 05, 2012 9:26 pm
Forum: Investing - Theory, News & General
Topic: 10 Best Stocks for 2012...er....2011
Replies: 15
Views: 1522

Re: 10 Best Stocks for 2012...er....2011

It’s that time of year again. Finance Magazines have begun publishing their “Stocks You Must Buy NOW!” lists along with their “Best Stocks to Own in 2012″ articles. Every time you see one of these the question that should go through your mind is “What about last year’s list?” Well, what does this t...
by Bob B
Tue Jan 03, 2012 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate Treasury Bond fund/etf vs ladder
Replies: 9
Views: 935

Re: Intermediate Treasury Bond fund/etf vs ladder

Vanguard is convenient. I have an inherent distrust of internet "banks" as well. Does Ally have a good Weiss rating? They don't look any different than any of the 'major' bricks and mortar institutions. http://www.weissratings.com/news-releases/general-2010-05-24.html If you stay with FDI...

Go to advanced search