Search found 242 matches

by Iliketoridemybike
Wed Aug 23, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Wash rule, ETFs and index funds
Replies: 11
Views: 682

Re: Wash rule, ETFs and index funds

... but I think the cost basis accounting requirements that brokerages and mutual fund companies must comply with give many a false sense of security. You are wise to be alert to the issue of the interaction among multiple accounts. (Then again, while I intend to scrupulously follow the wash sale r...
by Iliketoridemybike
Tue Aug 22, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Things Not to Do if You Win the Lottery
Replies: 9
Views: 1703

Re: 12 Things Not to Do if You Win the Lottery

CoAndy wrote:
Tue Aug 22, 2017 2:53 pm
I have read many stories on windfalls being absolutely squandered. I find it mind boggling.
I know someone who got $64 million and they are more or less the same as before. They travel a lot. Have a Ferrari and a big home in Florida, but for the most part, just the same as before.
by Iliketoridemybike
Tue Aug 22, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 25
Views: 2863

Re: Amazed by Vanguard Wellington's Performance

For allocation type funds, Fidelity Puritan (almost 4% higher YTD) is similar and Fidelity Contra outperforms, almost 13% higher YTD. Similar if you look at 10 year performance. Puritan is just below Wellington and Contra is well above. Will Danoff plays in the Large Cap Growth space, also his fund...
by Iliketoridemybike
Tue Aug 22, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 1413

Re: DirecTV vs. Dish vs. Cable

If I could get the NFL streaming, I would cut my cable yesterday, but I can't so we live with cable and all in all, it is OK. Every place I have ever stayed in the mountains with Dish, it never worked. At least with cable you are up 99.99% of the time.
by Iliketoridemybike
Tue Aug 22, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: What is your cash reserve limit, above which you invest?
Replies: 25
Views: 2340

Re: What is your cash reserve limit, above which you invest?

Very little in cash. I prefer to have it work for me. So we usually have $15,000 or less in cash at any one point in time. We used to keep a lot in cash, $50,000 +++ Now that we have moved to the lower cash levels, I have seen zero downside and the performance of our total portfolio has risen by a p...
by Iliketoridemybike
Tue Aug 22, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 25
Views: 2863

Re: Amazed by Vanguard Wellington's Performance

For allocation type funds, Fidelity Puritan (almost 4% higher YTD) is similar and Fidelity Contra outperforms, almost 13% higher YTD. Similar if you look at 10 year performance. Puritan is just below Wellington and Contra is well above.
by Iliketoridemybike
Tue Aug 22, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 23
Views: 1364

Re: Do you have to paint stucco?

Colored stucco might last longer depending on the color. It will fade so choose wisely. Nothing having red tones, which many shades of brown have, if you want to give yourself the best chance of it lasting.
by Iliketoridemybike
Mon Aug 21, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice-Just gave some information to Voice Phisher
Replies: 9
Views: 1064

Re: Advice-Just gave some information to Voice Phisher

I called USAA and confirmed that it wasn't them. My thought is that they are building information for the future by knowing where I have accounts and my job (they asked that too). 1. I am not sure how they found out I did make those transfers/ deposits 2. What action steps to take Geez. There's a s...
by Iliketoridemybike
Mon Aug 21, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 29
Views: 2867

Re: Frozen steaks ordered through the mail

Quickest way to make a steak taste better is to let it sit for a few minutes before cutting once you take it off the grill.
by Iliketoridemybike
Mon Aug 21, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Selling on Ebay - one time event
Replies: 11
Views: 884

Re: Selling on Ebay - one time event

Fees: 10% final value fee, paid to ebay about 3% fee, paid to paypal shipping, paid to USPS/UPS/FedEx (USPS is cheapest) if you didn't charge separately for shipping in the auction/Buy-it-now. There are also extra fees for longer titles for an auction/bin, and extra photos hosted on ebay (depends o...
by Iliketoridemybike
Mon Aug 21, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Selling on Ebay - one time event
Replies: 11
Views: 884

Re: Selling on Ebay - one time event

Another note... ALWAYS ship within 24 hours of payment. Nothing frustrates buyers more than sitting on an item and not shipping it after receiving payment. Also very important, NEVER ship BEFORE payment! This seems obvious, but some buyers win an auction and take a few days to pay or never pay. The...
by Iliketoridemybike
Mon Aug 21, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Wine pairing
Replies: 8
Views: 700

Re: Wine pairing

Red Zinfandels.
Bedrock
Four Vines
Carlisle
by Iliketoridemybike
Mon Aug 21, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 36
Views: 3001

Re: Adjusting AA as retirement nears

Calculators are your friend. Try Fidelity's RPM or any calculator that allows you to add in yearly variables, like starting SS, buying a car, a big vacation, whatever you want. You'll see your withdrawal rate will vary year by year. It is too simple to say it will be X% for your entire retired years...
by Iliketoridemybike
Sun Aug 20, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 25
Views: 1623

Re: Possible January trip to Naples, Italy / Amalfi Coast

I know someone who got her purse taken right off her arm in a crowd on the Rialto Bridge in Venice. Just be smart. Don't give thieves opportunities. Get a neck or belt wallet. Never lose sight of your bags.
by Iliketoridemybike
Sun Aug 20, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 25
Views: 1623

Re: Possible January trip to Naples, Italy / Amalfi Coast

We stayed in Naples near the Dell Ova Castle out on the coast and felt very safe. We walked a lot, back alleys, to the ferry docks, to dinner at night, never felt unsafe, but we also kept a keen eye out. I wouldn't hesitate to go back to Naples. With that being said Naples is not Rome or Tuscany and...
by Iliketoridemybike
Sun Aug 20, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 12087

Re: I own no international stocks. Can you guess why?

You didn't want the almost 18% return they've provided YTD?
by Iliketoridemybike
Fri Aug 18, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 152
Views: 12491

Re: Jobs that pay over $100,000

I made over $100k by age 25 in sales. Made over 3x -4x that by owning a business. Do what you love first.
by Iliketoridemybike
Fri Aug 18, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1411

Re: How do you know how much your portfolio lost/gain in one day?

Fidelity allows you to group all your accounts into one view so you can see daily valuations. Personal Capital does the same and I am sure there are others too.
by Iliketoridemybike
Thu Aug 17, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 14991

Re: Lost $7000 today in ONE DAY!

I lost $19,000 and I am 50/50. Yawn.
by Iliketoridemybike
Thu Aug 17, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4926

Re: Postal Service -- "informed delivery"

So contact the places sending you junk mail and ask that they take you off their mailing list and not sell or rent your contact information to others. How hard is that. I was in the direct mail business years ago. A task like this is nearly impossible. Your data is part of a number of data bases. Y...
by Iliketoridemybike
Thu Aug 17, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4926

Re: Postal Service -- "informed delivery"

This would have been useful 20 years ago. Today, all of my USPS mail could go straight into the trash and I wouldn't miss anything important. What we really need is a way to opt out of bulk mail like they have in the Netherlands. We can't have that because it would kill the USPS. The Post Office wa...
by Iliketoridemybike
Wed Aug 16, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4926

Re: Postal Service -- "informed delivery"

It still seems to me to be a solution in search of a problem. Now if someone can figure out who sends all that crap that ends up in my spam folder that is something I would be interested in. :D
by Iliketoridemybike
Wed Aug 16, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4926

Re: Postal Service -- "informed delivery"

This would have been useful 20 years ago. Today, all of my USPS mail could go straight into the trash and I wouldn't miss anything important. What we really need is a way to opt out of bulk mail like they have in the Netherlands. We can't have that because it would kill the USPS. The Post Office wa...
by Iliketoridemybike
Wed Aug 16, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4926

Re: Postal Service -- "informed delivery"

Where I live the box is a common box for about 3 dozen homes. The entire panel opens to expose all 36 boxes at once. So I don't go to my box for a few days or a week and the junk piles up. The mailman opens the box on a windy day, my personal mail starts blowing around the 'hood. Not something I'd w...
by Iliketoridemybike
Wed Aug 16, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Hail protection for new car?
Replies: 11
Views: 791

Re: Hail protection for new car?

insurance. that is the whole reason for it. I live in a high hail area. The problem is a big storm will come through hitting thousands of cars. The insurance companies can't handle the volume. The body shops can't either and you have to wait. In our case 9 months to get it repaired. You are forced ...
by Iliketoridemybike
Tue Aug 15, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4926

Re: Postal Service -- "informed delivery"

If I drop dead, at least my wife would receive the bills and can take action to have them put in her name, along with having my CC's/checking transferred to her. If I only got notice via email (she never reads mine), she would not be able to easily transfer all the bills/payments. - Ron It's a good...
by Iliketoridemybike
Tue Aug 15, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 6323

Re: please help...am I overextended - first home

What kind of RE contract allows you to back out within 10 days? Is it contingent on financing or inspection? You might not be able to back out for other reasons. My realtor said that the ball is my court, I have 10 days to back out and it could be for something as simply as the dog next door barks ...
by Iliketoridemybike
Tue Aug 15, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4926

Re: Postal Service -- "informed delivery"

Do folks still get things of value in the mail? I switched everything to paperless billing. I occasionally get replacement credit or debit cards in the mail, but everything else is junk.
by Iliketoridemybike
Tue Aug 15, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 6323

Re: please help...am I overextended - first home

What kind of RE contract allows you to back out within 10 days?
Is it contingent on financing or inspection? You might not be able to back out for other reasons.
by Iliketoridemybike
Tue Aug 15, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Which International Fund is Best
Replies: 8
Views: 825

Re: Which International Fund is Best

Started buying this right after Brexit. Couldn't be happier. IEFA.
by Iliketoridemybike
Tue Aug 15, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4540

Re: Best Housing To Avoid Noise

We've been through a variety of construction techniques over the years with townhomes. The quietest was when the walls did not touch and had an air gap between them. We also owned a townhome that had the air gap and the adjoining floors also did not align with the neighbor. Rarely if ever did we hea...
by Iliketoridemybike
Tue Aug 15, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Core position in Fidelity
Replies: 24
Views: 2194

Re: Core position in Fidelity

mega317 wrote:
Tue Aug 15, 2017 12:11 pm
For others reading this thread: just go to fidelity.com on your phone's browser. No need for an app.
Exactly. That is how I access it on my phone. The app is only good for doing remote check deposits.
by Iliketoridemybike
Mon Aug 14, 2017 7:21 am
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6549

Re: It's easy to have an investment plan until you get punched in the face

Remommyc, I'm similar to you. As retirement approaches I've gon from 80/20 to 47/33/20 stocks/bonds/alternatives. It's important for us to realize that a typical 60/40 portfolio still has about 90%'of its risk on the equity side. Dave Could you please define "alternatives"? They are generally consi...
by Iliketoridemybike
Sat Aug 12, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Core position in Fidelity
Replies: 24
Views: 2194

Re: Core position in Fidelity

Classic overthinking.
by Iliketoridemybike
Sat Aug 12, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 6003

Re: Do not buy new cellphones on ebay

I still don't know why anyone buys anything on eBay. You can usually, if not always, find what you're looking for cheaper at a real store and stacking coupons, rebates, etc. etc. Perhaps its okay for out of print items that you know are just regular people reselling their old junk... You misunderst...
by Iliketoridemybike
Sat Aug 12, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 6003

Re: Do not buy new cellphones on ebay

I still don't know why anyone buys anything on eBay. You can usually, if not always, find what you're looking for cheaper at a real store and stacking coupons, rebates, etc. etc. Perhaps its okay for out of print items that you know are just regular people reselling their old junk... You misunderst...
by Iliketoridemybike
Fri Aug 11, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 6003

Re: Do not buy new cellphones on ebay

Let me summarize: I didn't know what I didn't know, but now that I do, you shouldn't use eBay because I didn't know things.
by Iliketoridemybike
Thu Aug 10, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2515

Re: Trip Cancellation Insurance.

We recently booked a 7 week vacation through homeaway. Home away offers trip insurance . AAA does too and we are wondering if any credit cards offer it too.BH travelers,. What do you use? Chase Sapphire Reserve offers some for free. See here https://www.chase.com/card-benefits/sapphirereserve/trave...
by Iliketoridemybike
Thu Aug 10, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6084

Re: What Percentage CASH are you?

0 in all my tax deferred accounts. Taxable, about .7%.
by Iliketoridemybike
Thu Aug 10, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3816
Views: 1000939

Re: U.S. stocks in freefall

Many investing books state that there is usually a big crash during one generation. Looking back at 2000's dot-com crash and 2007-2008 crash, those are still fresh on my mind. The 2007-2008 crash has done some damage to the world economy. The U.S. market tumbled 50% and it would take 3-5 years to r...
by Iliketoridemybike
Thu Aug 10, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2515

Re: Trip Cancellation Insurance.

We buy trip insurance if traveling overseas where our health policies do not cover. The trip policies include cancellation insurance. Having seen at least a couple instances of overseas injuries, I HIGHLY recommend trip insurance when traveling abroad. Please provide a link. Thanks. There are a lot...
by Iliketoridemybike
Thu Aug 10, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2515

Re: Trip Cancellation Insurance.

We buy trip insurance if traveling overseas where our health policies do not cover. The trip policies include cancellation insurance. Having seen at least a couple instances of overseas injuries, I HIGHLY recommend trip insurance when traveling abroad.
by Iliketoridemybike
Wed Aug 09, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: MUB / Bonds
Replies: 12
Views: 678

Re: MUB / Bonds

The avg duration is 6.26 which means a 1% interest rate climb in a year will drop the value about 6%. That is more than I would be willing to lose for money needed in 2 years. I would go with High Yield savings account at 1-1.2 % and not worry about the principal losses. You could also do a 24 mont...
by Iliketoridemybike
Wed Aug 09, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: MUB / Bonds
Replies: 12
Views: 678

Re: MUB / Bonds

The avg duration is 6.26 which means a 1% interest rate climb in a year will drop the value about 6%. That is more than I would be willing to lose for money needed in 2 years. I would go with High Yield savings account at 1-1.2 % and not worry about the principal losses. You could also do a 24 mont...
by Iliketoridemybike
Wed Aug 09, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3707

Re: Do you plan to ditch your laptop in travel soon?

iPad for everything. Haven't used a laptop in years. Boarding passes for the most part are digital now too. No need to print.
by Iliketoridemybike
Wed Aug 09, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3614

Re: How to not obsess over investments?

I've obsessed about it for almost 30 years. I check the balances everyday. Watch CNBC, check here, check on other sites. I don't look at it as a problem. It is more of a hobby and I have learned a lot and still continue to learn a lot. If it is a burden and not fun, maybe you need a manager, the thr...
by Iliketoridemybike
Tue Aug 08, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Advice on trip from SLC > Moab > DEN
Replies: 14
Views: 835

Re: Advice on trip from SLC > Moab > DEN

A few things to add, if they catch your fancy: Colorado National Monument https://www.nps.gov/colm/index.htm is worth a hike and is about 90 minutes east of Moab on your way to Denver. You should also take the river road to Cisco on your way out of Moab. Way more scenic than the main road to I-70. J...