Search found 186 matches

by Prudence
Thu Jan 19, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Building a TIPs Ladder
Replies: 14
Views: 1056

Re: Building a TIPs Ladder

I am thinking about having a tips ladder for 2028 through 2043, with a $15,000 bond to mature each year. ... I would rather buy only original issue tips and would rather not use a tips mutual fund. If you only bought at auction, Prudence, you couldn't complete your ladder until 2033. [1] To build i...
by Prudence
Thu Jan 19, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Building a TIPs Ladder
Replies: 14
Views: 1056

Re: Building a TIPs Ladder

I believe the most common approach to building a TIPS ladder around here is to do so in one fell swoop, as dbr explains and as the spreadsheet Raybo links to describes. When you build the ladder that way, you have no choice but to buy TIPS in the secondary market. If you want to limit yourself to o...
by Prudence
Wed Jan 18, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: TIPS are great in "theory." But real world...
Replies: 32
Views: 2678

Re: TIPS are great in "theory." But real world...

On paper, TIPS seem like the best type of bond. I have read all of the wonderful characteristics. Protection in both inflation and deflation, no default risk, etc. Swedroe and Swensen are huge fans. However, in the real world, are they really as wonderful as they seem? I have read some worries from...
by Prudence
Wed Jan 18, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Building a TIPs Ladder
Replies: 14
Views: 1056

Re: Building a TIPs Ladder

I've built a 10-year TIPS ladder over a period of ten years simply by buying at auction every January. I actually front end loaded it a bit by buying a larger quantity in the earlier years. You could do it this way which, of course, involves no commissions on the purchase. Gill Yes, I have been thi...
by Prudence
Wed Jan 18, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Building a TIPs Ladder
Replies: 14
Views: 1056

Re: Building a TIPs Ladder

I believe the most common approach to building a TIPS ladder around here is to do so in one fell swoop, as dbr explains and as the spreadsheet Raybo links to describes. When you build the ladder that way, you have no choice but to buy TIPS in the secondary market. If you want to limit yourself to o...
by Prudence
Wed Jan 18, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Building a TIPs Ladder
Replies: 14
Views: 1056

Building a TIPs Ladder

I am 70 and have never owned any tips. I am thinking about having a tips ladder for 2028 through 2043, with a $15,000 bond to mature each year. I don't know how to do this. I would rather buy only original issue tips and would rather not use a tips mutual fund. Would it make any sense for me to buy ...
by Prudence
Fri Jan 13, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: A Few BND Questions
Replies: 12
Views: 719

Re: A Few BND Questions

Intermediate term Tips are yielding roughly zero right now so that is what I use since it is convenient - I can forecast my RMD by simply dividing my current balance by the relevant factor for age 70.5. I'd say you can probably expect no better than 0-1% real for bonds. I have never owned Tips for ...
by Prudence
Fri Dec 16, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 3823

Re: Netflix Question

If you personally set the Netflix account up on her device and don't give her the user/password she will not be able to interfere with your account. I share my Netflix account with my girlfriend, brother, and parents and none of them can mess with payment methods, etc So, I would login to Netflix f...
by Prudence
Thu Dec 15, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: 401K Rollover from Fidelity to Vanguard
Replies: 3
Views: 413

401K Rollover from Fidelity to Vanguard

I retired in 2016 and I have not moved my 401K. My Fidelity 401K seems decent in that it offers various retirement funds including Vanguard funds with decent expense fees. Nevertheless, it makes sense that I should move it to a Vanguard IRA account (with my other Vanguard accounts) where I would pro...
by Prudence
Sun Dec 11, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 3823

Re: Netflix Question

If you personally set the Netflix account up on her device and don't give her the user/password she will not be able to interfere with your account. I share my Netflix account with my girlfriend, brother, and parents and none of them can mess with payment methods, etc So, I would login to Netflix f...
by Prudence
Sun Dec 11, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 3823

Netflix Question

My SIL has requested that we give her our user id and password so she can use our account to view content. She lives on a tight budget. Is there a way of setting this up so she will not be able to see and update my private information like payment method, credit card, plan type etc.? Netflix live ch...
by Prudence
Thu Dec 08, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7692

Re: Current Market rally

How much staying power do you think this rally has ? It seems somewhat of an irrational exuberance with the Dow going down 800 points on election evening (premarket ) to more than a 1000 points up now. I think once the new administration is in power, reality will set in and it will fall again, but ...
by Prudence
Tue Nov 22, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 219
Views: 21934

Re: Retreat to cash

Markets do not like uncertainty, and it would appear that with the new president, 2017 will bring a period of uncertainty on some major issues. I DO NOT intend this post to elicit a political debate or name-calling contest. I have no leanings one way or the other with respect to political parties o...
by Prudence
Sun Nov 13, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Pay On Death and Beneficiary Questions
Replies: 11
Views: 1559

Re: Pay On Death and Beneficiary Questions

I would suspect that the bank doesn't allow contingent or secondary beneficiaries because it doesn't want to get into more complex arrangements which could involve more complex legal issues. If you only allow a primary beneficiary it's not too much different then having a joint account where one of...
by Prudence
Sat Nov 12, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Pay On Death and Beneficiary Questions
Replies: 11
Views: 1559

Re: Pay On Death and Beneficiary Questions

I would suspect that the bank doesn't allow contingent or secondary beneficiaries because it doesn't want to get into more complex arrangements which could involve more complex legal issues. If you only allow a primary beneficiary it's not too much different then having a joint account where one of...
by Prudence
Thu Nov 10, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Pay On Death and Beneficiary Questions
Replies: 11
Views: 1559

Pay On Death and Beneficiary Questions

I live in Maryland. I have non-retirement savings and CD accounts with a bank. On line, I established by wife as the 100% primary beneficiary. On line, there is no option to establish a contingent or secondary beneficiary. Why is this? If I die, would there be any federal or state taxes (estate or i...
by Prudence
Tue Nov 01, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement F vs C
Replies: 23
Views: 1452

Re: Medicare Supplement F vs C

... For a $2 difference ($24 per year), I'm sticking with Plan F and I will bring hubby to the dark side with me.... You might want to look at plan G as an alternative to either C or F. Plans C and F will be closed to new enrollees in 2020, and without fresh young blood entering the pool to help pi...
by Prudence
Mon Oct 31, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Which new phone is the Best Buy for the money
Replies: 35
Views: 3244

Re: Which new phone is the Best Buy for the money

mhalley wrote:Clark Howard likes the Amazon Prime moto g ones.
https://www.amazon.com/s/ref=nb_sb_noss ... rds=Moto+g


I recently bought the moto g4 plus unlocked 64gb. It has the features she is looking for at half the price of the iPhone. Good luck.
by Prudence
Wed Oct 26, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Dental 'Discount Plans' for uninsured
Replies: 22
Views: 1837

Re: Dental 'Discount Plans' for uninsured

MIL has no dental insurance. (Medicare HMO plan for health) She needs some dental work done. I'm looking at something like this Dental Discount Plan for her. Looks like you still pay 100%, but you pay 100% of the insurance negotiated rate, which is often 50% of cash rate. ( I already called our den...
by Prudence
Sun Oct 23, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 13
Views: 1231

Re: Another "replace car or not" decision

I've read the various discussions about whether/when to replace a "beater" with some interest. I would like to get input into my situation. I'm in my mid-50's and will be retiring next summer. I have a 2004 Nissan Sentra with around 160,000 miles. It's reliable and well-maintained, but it...
by Prudence
Mon Oct 17, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Benefit Amount
Replies: 4
Views: 775

Re: Social Security Monthly Benefit Amount

I thought the maximum social benefit at full retirement age was about $2,639 per month. How did you come up with your amount? Max SS benefit for someone who reached FRA in 2012 was $2513/month. Increase that by COLA's of 1.7%, 1.5% and 1.7% and 0% and you get $2638. Add 32% and I get $3482. Not sur...
by Prudence
Mon Oct 17, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Benefit Amount
Replies: 4
Views: 775

Social Security Monthly Benefit Amount

SSA just notified me in a letter that they had changed my monthly benefit amount. Their number looks low to me so I will send them an appeal form. Meanwhile, I am seeking any information you have time to contribute. Details: Birthdate: 12/09/1946 Initial PIA at FRA (66): $2,687.70 DOE: 12/2016 (i.e....
by Prudence
Sun Sep 18, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 2257

Re: Calling DC area Bogleheads for help with relocation

To those familiar with the Washington DC area, I'm looking for your insight. I may have the option to attend a two-year academic program at Georgetown beginning in January, and I'm weighing it against some alternatives, trying to take a holistic approach that considers more than just academics: cos...
by Prudence
Mon Aug 08, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3538

Re: Moving from Android to iPhone

I am an Apple guy and I am typing this on a Macbook right now. I own an (new version) iTouch, but not an iPhone. Honestly, steer clear of the iPhone, at least for now. I am very close to someone who has a Galaxy S7 Edge and it blows away the 6S Plus. It isn't close. The camera is better, the speed ...
by Prudence
Mon Aug 08, 2016 7:19 am
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3538

Re: Moving from Android to iPhone

I do a few texts and calls each day. Rarely use the mobile to browse the internet or use apps or download files or listen to music, but, I like having the capability to do these things. I take pics occasionally. So, obviously, my usage stats are relatively low in phone, text, and data. I do tend to...
by Prudence
Sun Aug 07, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3538

Re: Moving from Android to iPhone

I have a very old Motorola smart phone that needs to be replaced. For a couple of reasons, I would like to switch to the iPhone 6 Plus (SIM Free; 16MB). We have a windows PC with no plans to switch to a MAC. What problems can I expect, if any? For example, will I be able to save pictures from the i...
by Prudence
Sat Aug 06, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3538

Re: Moving from Android to iPhone

I would also recommend you stick to android. The issue with apple is their phones are really really expensive...and they never go on sale unless you buy a couple model old ones. Android has a lot of choices...you can get a brand new $200 phone that works really well. I actually recently purchased t...
by Prudence
Sat Aug 06, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3538

Re: Moving from Android to iPhone

I'd also look at the top LG phones. I have a fairly new LG 5 and it has been great. No glitches, long battery life, great camera (which I rarely use). In addition to many features/specs, two reasons I chose this were (a) can add SD card to expand memory and (b) the battery is removable. In rare cir...
by Prudence
Fri Aug 05, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3538

Re: Moving from Android to iPhone

I won't try to talk you out of the iphone, (agree about 16gb being too small), but fortunately there is now an app to make the move less painful. http://www.apple.com/iphone/switch-to-iphone/ I have a nexus and love it by the way. Please try to talk me out of the iPhone (unless all the points have ...
by Prudence
Fri Aug 05, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3538

Moving from Android to iPhone

I have a very old Motorola smart phone that needs to be replaced. For a couple of reasons, I would like to switch to the iPhone 6 Plus (SIM Free; 16MB). We have a windows PC with no plans to switch to a MAC. What problems can I expect, if any? For example, will I be able to save pictures from the iP...
by Prudence
Thu Aug 04, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: No faith in stocks/bonds - Where to park cash?
Replies: 38
Views: 4145

Re: No faith in stocks/bonds - Where to park cash?

You should research the Permanent Portfolio. It's a low volatility asset allocation which attempts to address every economic condition. At it's core it is 25% stock, 25% cash (short-term treasuries), 25% long-term treasuries, and 25% gold. The components sound crazy, but together they result in slo...
by Prudence
Mon Jul 25, 2016 6:50 am
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2946

Re: HDTV Question

Thank you!
by Prudence
Sat Jul 23, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2946

Re: HDTV Question

Ok, I think I understand now. Based on all the replies, the 2.1 soundbar may not perform better than my old Bose receiver with its five speakers and subwoofer. Maybe I should buy a 5.1 soundbar instead of the 2.1? Or, just continue on with the Bose? Currently, when I am watching movies on blu ray, ...
by Prudence
Sat Jul 23, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2946

Re: HDTV Question

Many of the less expensive : manual HDMI switches (costing ~$20) will automatically switch to a freshly powered input. Ok, I think I understand now. Based on all the replies, the 2.1 soundbar may not perform better than my old Bose receiver with its five speakers and subwoofer. Maybe I should buy a...
by Prudence
Sat Jul 23, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2946

Re: HDTV Question

Looks like you should get an hdmi switch and hook the sound bar up as per page 21 using hdmi http://downloadcenter.samsung.com/content/UM/201603/20160317094819913/HW-K450_ZC_ENG_WEB_IB-0317.pdf Source----->sound bar------>TV Ok, I read pages 22 and 24 in the Samsung download. I can buy an hdmi swit...
by Prudence
Fri Jul 22, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2946

Re: HDTV Question

Prudence - Please provide the make and model# of the TV, and make and model# of the sound bar. There may be very affordable ways to get the two to work together. Also - are you only watching over-the-air content on the TV (via an antenna?) if not, what else are you watching? TV Panasonic TH-46PZ80U...
by Prudence
Fri Jul 22, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2946

Re: HDTV Question

I would not return it, just based upon the info you provided. Does your TV have an optical audio output, and does the TV have optical audio input? This would provide a very high quality signal, and you would not be able to tell the difference in the case of a sound bar. I think what you mean when y...
by Prudence
Thu Jul 21, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2946

HDTV Question

I have an older HDTV that has two HDMI inputs but no HDMI output. I just purchased a Samsung sound bar that has one HDMI input. I am concerned that I will not get HD sound, which is what I am seeking, from the Samsung sound bar. So, I think I will return the sound bar now, until I purchase a compati...
by Prudence
Thu Jun 23, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 642

Re: BJRConsultancy [user allowed remote access to PC]

> They told her they were from the Windows Department and were Windows servicers. Classic scam. When did Microsoft ever do anything for you, even if you asked?? > When I came home, I shutdown and hung up the phone. Now I don't know what to do. Who can I report them to? No point. They are probably i...
by Prudence
Thu Jun 23, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 642

Re: BJRConsultancy [user allowed remote access to PC]

prudent wrote:What version of WIndows are you using?


Windows 10
by Prudence
Wed Jun 22, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 642

Re: BJRConsultancy

There is zero chance the person who called identified the real company he worked for. The whole operation is a scam, they aren't providing any real info. 1. Assume your computer is infected with spyware and malware. 2. Assume they searched for and copied any files that might have information they c...
by Prudence
Wed Jun 22, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 642

Re: BJRConsultancy

There is zero chance the person who called identified the real company he worked for. The whole operation is a scam, they aren't providing any real info. 1. Assume your computer is infected with spyware and malware. 2. Assume they searched for and copied any files that might have information they c...
by Prudence
Wed Jun 22, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 642

Re: BJRConsultancy

https://beta.companieshouse.gov.uk/company/07585790 Seeing as "they" -- so far as I can tell, never more than a one man operation -- were legally dissolved in 2012, you can bet that any communication you receive from someone claiming to be "BJRConsultancy" is illegitimate. They ...
by Prudence
Wed Jun 22, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 642

BJRConsultancy [user allowed remote access to PC]

I think this company may have tried to hack our laptop this morning. Has anyone had any issues with them?
by Prudence
Thu Jun 16, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: Comcast vs FiOS vs Sling TV
Replies: 19
Views: 5024

Re: Comcast vs FiOS vs Sling TV

http://www.getinthegreen.com/blog/budget-series-2016-part-3-cable-and-internet Here is a post I did on this topic a few weeks ago. I hope you find it to offer a few helpful tidbits. My friend has an HD antenna and an Apple TV which allows him to access many providers of content. I am curious that y...
by Prudence
Fri May 27, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Buying Second Home
Replies: 2
Views: 442

Buying Second Home

We are exploring buying a second home in or near Rehoboth Beach Delaware. We are considering existing homes and new homes that are being marketed by builders. I contacted a realtor (have not signed any agreement). Should we use this realtor only to see existing homes? If we decide to buy a new home ...
by Prudence
Sun May 15, 2016 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 8300

Re: Won the game - time to quit playing?

Friends, Thanks for the many helpful comments. I don't think I used the correct language in the subject title and I apologize for that. I don't have a financial background and I don't always use the correct financial laguage - I'm just a guy learning much from you and trying to avoid stupid mistake...
by Prudence
Fri May 13, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 8300

Re: Won the game - time to quit playing?

I think 58/42 is good for the rest of your life. 50/50 is also a good choice for your remaining years. But neither of these AAs have anything to do with "quit playing" in the subject line. Investing is a lifelong process, you see... Right. Staying with 58/42 or going to 50/50 isn't "...
by Prudence
Tue May 10, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: AARP UnitedHealthcare Insurance Company
Replies: 5
Views: 982

Re: AARP UnitedHealthcare Insurance Company

Medigap insurance companies may use age related tests to establish the premium. One is identified as Issue-age related, using your age when you are first issued coverage. The other is attained-age related, using your age when you first apply. here is more: https://medicare.com/medicare-supplement/h...
by Prudence
Mon May 09, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: AARP UnitedHealthcare Insurance Company
Replies: 5
Views: 982

AARP UnitedHealthcare Insurance Company

I enrolled in Plan F effective April 2016. My wife turns 65 in July and we plan to enroll her in a Plan F. We live in Maryland close to DC. My AARP plan has community rating premiums. According to my policy certificate: "we will apply any change we make to everyone with the Plan who resides in ...

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