Search found 275 matches

by Rajsx
Thu Mar 23, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 63
Views: 3196

Re: A SUV for towing a Travel Trailer

I appreciate every one for your feedback. Keep the suggestions coming.



Thanks
by Rajsx
Mon Mar 20, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 63
Views: 3196

Re: A SUV for towing a Travel Trailer

Thanks for all the replies, I appreciate your in put. I had prepared the (already owned) RX 350 (3500 lbs capacity) with a class III Hitch & a Brake Controller to tow the single axle 17' fiberglass escape trailer with electric brakes, as many are towing with a similar set up of Sienna & Odys...
by Rajsx
Sun Mar 19, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 63
Views: 3196

A SUV for towing a Travel Trailer

I am getting prepared to buy a SUV for towing a 3200 lb loaded Travel Trailer with Brakes due in May 2017. I have read up on many automobile reviews, write ups..etc but I am looking for your take on one and reasons for suggesting that particular SUV from a Towing & vehicle reliability are concer...
by Rajsx
Fri Jan 27, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute IRA/Roth IRA -
Replies: 5
Views: 403

Re: Contribute IRA/Roth IRA -

Thanks for chiming in, I need some tax deferred space in my portfolio for investing in Bonds. As I am not getting any younger, & I am trying to keep the Asset Allocation of 50/50 Stock/Bond , Bonds in a Taxable Account keeps accruing taxes with their dividends at my income tax rate. I guess I ca...
by Rajsx
Fri Jan 27, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Contribute IRA/Roth IRA -
Replies: 5
Views: 403

Contribute IRA/Roth IRA -

Do any of the incomes qualify to contribute to IRA/Roth IRA - ?

1) Dividend Income
2) Capital Gains

3)Rental Income from a LLC

4)Private Individual Disability Policy- Non taxable

Thanks for any and all replies

-
by Rajsx
Mon Jan 16, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6531

Re: Disheartening to hear this about Vanguard

Livesoft,

My bad, thanks for your explanation & I withdraw my statement .


Regards
by Rajsx
Mon Jan 16, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6531

Disheartening to hear this about Vanguard

https://www.consumeraffairs.com/automated-investment-services/vanguard.html I have had problems with getting the correct cost basis & capital gains on sale of my Taxable accounts. Vanguard just write's various & just follow average cost basis (easier for them) & I have been with Vanguard...
by Rajsx
Sun Dec 18, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 37
Views: 5312

Re: Personal fulfillment in retirement

1 year 9 months into Retirement at 59, having a great time of our lives. Ex Colleagues keep inquiring how I managed to retire,or if am I getting bored & if I am looking for a Part Time Job. I worked as a Specialist Doc., saw & lived the gradual destruction of a great profession, could not be...
by Rajsx
Fri Nov 18, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8676

Re: Cannot get myself to spend my savings

Great replies & great ideas guys, this is helping both of us so much, as I read the posts loud to my DW . She is getting interested too, please keep the replies coming, may be we will start spending some on the experiences. I should stop reading anything about Minimalists because that is taking ...
by Rajsx
Wed Nov 16, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8676

Re: Cannot get myself to spend my savings

Thank you for wonderful replies & your time. Many of the suggestions, we do already - -This year, we increased the donations to our Church & other Charities. - We eat out couple of times in a week in our regular neighborhood restaurants, any more than that we get acidity, so we prefer eating...
by Rajsx
Wed Nov 16, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot get myself to spend my savings
Replies: 75
Views: 8676

Cannot get myself to spend my savings

Now what ? We saved diligently & followed Boglehead philosophy most of our working life, invested the savings, paid for kids college, own a house out right, and presently have a a few millions put aside. I retired last year at 59, after a partial recovery from a complicated road accident which l...
by Rajsx
Mon Aug 22, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1218

Re: Calling all geeks ..... need help with my Laptop.

I am searching for that darn tiny screw. Thanks
by Rajsx
Sun Aug 21, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1218

Re: Calling all geeks ..... need help with my Laptop.

Thank you very much, guys. I found what the problem was - The SSD had moved as the Cover had fallen off from the side of the cover along with the screw holding it. I found the cover & secured it in place and WHOA the system is back. I am still looking for that darn small screw. I am back in busi...
by Rajsx
Sun Aug 21, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1218

Re: Calling all geeks ..... need help with my Laptop.

BIOS Setup Utility -

Then I pressed STARTUP

>BOOT

> Network


BOOT MODE (Quick)
Option Key Display (Enabled)

Boot Device List F12 Option (Enter)
Current Setting (Enabled)
by Rajsx
Sun Aug 21, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1218

Re: Calling all geeks ..... need help with my Laptop.

I notice that SSD is not mentioned in the Booting Sequence, may be it does not see it anymore

Thanks
by Rajsx
Sun Aug 21, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1218

Re: Calling all geeks ..... need help with my Laptop.

- The OS is Windows 7 - I do not remember the how much RAM - When I plug in a USB Hard Drive - -Intel(R) Boot Agent GE v1.3.51 -Intel (R) Boot Agent PXE Base Code (PXE-2.1 build 089) - PXE-E61 : Media Test Failure, Check Cable - PXE-MOF : Exiting Intel Boot Agent - When I power it On - Black Screen ...
by Rajsx
Sun Aug 21, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1218

Re: Calling all geeks ..... need help with my Laptop.

Thank you guys for your help - This is the SSD from Amazon in 11/2015, Old Hard Drive had gone very slow so removed & disposed it -Crucial MX200 250GB SATA 2.5 Inch Internal Solid State Drive - CT250MX200SSD1 - I use Chrome, I think it is the latest version but I am not sure of the Version - BIO...
by Rajsx
Sun Aug 21, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Calling all geeks ..... need help with my Laptop.
Replies: 11
Views: 1218

Calling all geeks ..... need help with my Laptop.

My Lenovo is unable to boot from any device.

It is a Thinkpad T410, I had installed a new SSD about 8 months back after the original HDD had gone very slow.
One morning, on starting up the Laptop a short Blue Screen and the unable to boot from any device.

Please help if you can......

Thanks
by Rajsx
Mon Jul 18, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 7449

Re: Private vs State School?

Our experience has been one of each, for what it is worth, a private & a state school. Please bear with me, it could be a long post. DD went to Upenn an iv league school & DS went to Uni of Florida a large flagship state school, ranked around 50 in USNEWS rankings. We had enough 529 funds to...
by Rajsx
Mon Jul 18, 2016 10:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 3426

Re: Happy Birthday, Mel! Boglehead #2.

Hi Mel,

Happy Birthday, belated.

Thanks for your guidance on the forum

Best
by Rajsx
Sun Jul 17, 2016 3:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 48
Views: 5372

Re: ORLANDO Chapter Bogleheads

Thanks Mel
by Rajsx
Sun Jul 17, 2016 10:58 am
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 48
Views: 5372

Re: ORLANDO Chapter Bogleheads

Hi every body,

Let some one else take the Lead, due to personal reasons I am unable to be the Coordinator.

Thanks
by Rajsx
Tue Jun 28, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: Market Timing or Sound Financial Advice?
Replies: 7
Views: 463

Re: Market Timing or Sound Financial Advice?

Yes, I did the same exact thing, raided a part of Emergency Fund in the process. I have mixed feelings about this, although it is after the fact. It was a small amount in comparison to the size of the portfolio, but I thought it was a good buying opportunity. When weathering the past market sell out...
by Rajsx
Tue Jun 14, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Port: 60/40 vs 40/60
Replies: 22
Views: 3115

Re: Retirement Port: 60/40 vs 40/60

Another 50/50 ++ here at age 60, with 5% additional cash on the side, retired last year at age 59. I sleep well most of the nights & try to laugh off the dips & valleys of the S&P. Due to other income we do not have to draw from the portfolio for 5 more years. I will try to maintain this...
by Rajsx
Fri May 20, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 33
Views: 2635

Re: Suggestions /Advice for a fresh college graduate

Fast Forward - Check Status - Still need Suggestions So, my son walked at the College Graduation Ceremony in 2015, all good & every body happy.He got a job at Campus Recruitment event with a distributor of Wines company, taking orders at the Wine Stores, earning commission as his salary, at a ou...
by Rajsx
Sun Apr 24, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 62181

Re: Question for the Bogleheads Millionaires

A good teaching/helping each other thread. ........In our case it was Education, Frugality, Investments & a little bit of luck. We are immigrants, came with suitcases in hand to this great country, but I was a doctor in my country. Passed all the Licensing exams to be a MD in USA while we were d...
by Rajsx
Tue Apr 19, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 706

Re: Form 8606 question

I am learning a lot from this Form 8606 thread

Thanks
by Rajsx
Thu Feb 25, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Class of 2015 retirement folks doing?
Replies: 18
Views: 3075

Re: How is the Class of 2015 retirement folks doing?

I retired April 2015 from work on a private disability individual policy at age 58 , which is more than sufficient for all our monthly expenses including some light travel & taxes. I did not take out any funds from the retirement savings & probably will not till age 65 when the disability in...
by Rajsx
Wed Feb 24, 2016 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1539

Re: Buying Home to Downsize

That is an interesting feedback to cash in early the CDs rather than pay 2.5% interest on the HELOC. I wonder if there is a way to find out which way I will come out ahead. Leemiller, how do I calculate to find out which way I would come out ahead ? I guess, I can call and find out how much would be...
by Rajsx
Tue Feb 23, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1539

Re: Buying Home to Downsize

Thanks for each of the replies, looks like I am not missing anything obvious in funding my next house purchase.
Please keep suggestions & opinions coming.

Best
by Rajsx
Tue Feb 23, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1539

Buying Home to Downsize

Hi Everybody, I am trying to figure out which funds to use for buying our next downsized home, I will appreciate any & all feedback. Basic Info - I am 59 & DW 55, retired April 2015, on Private Individual Policy Disabilty Income $13000/mo till my age 65, which at present we find adequate for...
by Rajsx
Sat Feb 06, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Best Tips for Packing & Moving?
Replies: 14
Views: 1563

Re: Best Tips for Packing & Moving?

We will be downsizing soon & this is a learning thread for me.


Thanks
by Rajsx
Fri Dec 25, 2015 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 5086

Re: Vanguard Personal Performance?

1yr 1.1%
3yr 7.3%
5yr 7.1%
10yr 7.0%


Best Regards & Merry Christmas
by Rajsx
Thu Dec 17, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Asking advice please at 59 1/2....
Replies: 2
Views: 371

Asking advice please at 59 1/2....

I recently turned 59 1/2 and am wondering what changes in my investments I need to make if any. I have a all vanguard portfolio at 50/50% and retired earlier this year. We do not take out/need any money from the portfolio for monthly expenses at present as we have supplemental income which more than...
by Rajsx
Sat Nov 07, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 191
Views: 22007

Re: Life lessons: Making loans to friends. Insights? Revelations?

Please SAY NO, to save yourself the pain & suffering, which entails unless you enjoy pain, suffering & regret. What happens usually is, 1)The friends/relatives get loans from some where else, life goes on or 2)They adjust to their present circumstance, tighten their belts & life goes on....
by Rajsx
Thu Nov 05, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 2628

Re: What happened ???? Fidelity Retirement Investment Planner

early-retirement.org has a exhaustive thread going on this very topic, http://www.early-retirement.org/forums/ ... 79121.html



Thanks
by Rajsx
Tue Nov 03, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 2628

Re: What happened ???? Fidelity Retirement Investment Planner

I finally found the Full View on the Fidelity website, and made each of the hidden accounts to visible state. Then I found & launched the - Planning & Guidance Center from the Guidance & Retirement tab on the top, - I had to assign each one of the account I wanted for Retirement purposes...
by Rajsx
Tue Nov 03, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 2628

What happened ???? Fidelity Retirement Investment Planner

I periodically go back to my Fidelity Retirement Investment Planner(RIP) to assess the probabilities .....etc, &&&& whoa it is not there anymore & now has been substituted with Retirement Investment Center & half my accounts in Full view are not listed & all sorts of ques...
by Rajsx
Sun Oct 18, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Retirees doing 50/50
Replies: 35
Views: 5168

Re: Retirees doing 50/50

We retired earlier in the year - I am 59, DW 54, we have been going down in the stocks allocation over last few years from 60/40 to the present 50/50, an all Vanguard portfolio. Lately the savings have been going into cash/CDs for a 2-3 yrs worth of expenses , thus making all investment portfolio lo...
by Rajsx
Wed Oct 14, 2015 6:34 am
Forum: Investing - Theory, News & General
Topic: Is Wade Pfau right about annuities over [bond funds] in a retirement portfolio?
Replies: 67
Views: 7630

Re: Is Wade Pfau right about annuities over bonds in a retirement portfolio?

A good, informative & timely thread for me to learn from.I am in the same boat, i..e Annuities ?????

Thanks
by Rajsx
Tue Oct 13, 2015 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Does the feeling of abundance escape other Bogleheads too?
Replies: 119
Views: 27687

Re: Does the feeling of abundance escape other Bogleheads too?

Interesting that you bring up this old thread about frugality, it gave me a chance to go over some of my earlier posts. Let me recount the events in my life since then - - I sold my practice & retired early, earlier this year at age 59, lately the work environment for a doctor had become constra...
by Rajsx
Sun Oct 11, 2015 4:41 pm
Forum: Personal Consumer Issues
Topic: Anything bad to say about the Lexus RX-350?
Replies: 21
Views: 2731

Re: Anything bad to say about the Lexus RX-350?

We have Rx350, it is a very comfortable vehicle to do long distance travel in. We bought a 2010 in 2014 & have not had any problems so far with 42 k miles on it. Yes it is high priced, some for the Lexus batch, its perceived status & some for the perceived reliability of the Toyota Engine in...
by Rajsx
Sat Jul 25, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 18264

Re: Downsize, Reduce, Simplify.

This is a great post, I am learning so many ways to take up this job of down sizing which we have to take upon soon, if we have to keep our sanity. Our kids have left & we empty nesters are left with a huge 3650 sq ft house & a labor intensive large yard with a pool. We are hoping to get the...
by Rajsx
Wed Jul 15, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Physician: Which Job to Choose
Replies: 32
Views: 4205

Re: Physician: Which Job to Choose

I would put academic progress high in the midst of these options, I know at these beginning stages it may not matter much, as more money seems like a over riding reason in many cases. I would look at, which one of these hospitals is a teaching, tertiary care & a reputed leader in the area. The s...
by Rajsx
Sat Jun 27, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 16916

Re: Any solo retired RVer's out there?

Thanks for the lots of information on the long drive, towing, brake controller, visiting Alaska etc...wow....a wealth of RV knowledge right here on bogleheads.......& I was browsing Forums of Escape owners,... Fiberglassrv...etc. It sounds like we may have to have them store it till April or so ...
by Rajsx
Sat Jun 27, 2015 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Personal accounting software
Replies: 23
Views: 3680

Re: Personal accounting software

I have been using MINT for about 3 to 4 yrs, I like the ease with which I can look at the total financial picture, but getting sick of the Ads. I understand they have to have the ADs to pay to run the website. I do not know if they pass on the emails to other finance companies(business partners??) a...
by Rajsx
Fri Jun 26, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 16916

Re: Any solo retired RVer's out there?

We too just retired and want to be novice weekend Rvers, and learned a lot about smaller Fiber Glass Trailers at fiberglassrv.com. After debating between a Casita & Escape for some time I just put a deposit, to be on the waiting list for a 17' B Escape from BC, Canada. It is scheduled to be comp...
by Rajsx
Tue Jun 23, 2015 8:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 4089

Re: Happy Birthday to Mel [Lindauer]

Happy Birthday Mel !!

We appreciate you, many more birthdays to come.

Best Wishes
by Rajsx
Tue Jun 23, 2015 5:57 am
Forum: Personal Finance (Not Investing)
Topic: A Car Maintenance Log/website ??
Replies: 9
Views: 1288

Re: A Car Maintenance Log/website ??

Thanks for your time writing the post/feedback JDCarpenter, investor, FrugalInvestor & southbay . My Car Glove Box gets so cluttered, that sometimes finding the Car Reg./Car Insurance papers becomes a little hard , that is why I changed to Online scanning/saving the receipts...etc. Anybody else ...
by Rajsx
Mon Jun 22, 2015 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: A Car Maintenance Log/website ??
Replies: 9
Views: 1288

A Car Maintenance Log/website ??

Hi, I am looking for a paid/free Car Maintenance Website, where I can upload receipts, get Oil Change/Tire Rotation reminder emails, keep up with car maintenance with our 3 cars. I have been using Repairpal.com, but it does not upload documents any more. Any suggestions ? What do you use for keeping...

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