Search found 158 matches

by bstevlin
Mon May 14, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard GNMA VS Vanguard Intermediate-Term Bond Index Fund
Replies: 6
Views: 874

Re: Vanguard GNMA VS Vanguard Intermediate-Term Bond Index Fund

With no default risk and a duration of 4.4 years, and rising rates so refinancing should be limited, why isn't this a better deal than Total Bond Market or Intermediate Corporate Bond Fund? This seems like a good Place to be now if you wanted to come out of ultra short bonds or Money Markets. What ...
by bstevlin
Fri May 11, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3302

Re: IRS tax form [Rejected as photocopy, signature must be in blue ink]

I will add some other comments. The refund was for around $1000.00. Some of the IRS agents were not aware that blue ink could be used a solution to satisfy the issue. Again, I will not submit personal notes of any kind. In late 2016 we purchased a new car from a Nissan dealer with which is managed ...
by bstevlin
Fri May 11, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3302

Re: IRS tax form [Rejected as photocopy, signature must be in blue ink]

I will add some other comments. The refund was for around $1000.00. Some of the IRS agents were not aware that blue ink could be used a solution to satisfy the issue. Again, I will not submit personal notes of any kind. In late 2016 we purchased a new car from a Nissan dealer with a which is managed...
by bstevlin
Fri May 11, 2018 12:33 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3302

Re: IRS tax form [Rejected as photocopy, signature must be in blue ink]

This thread is now in the Personal Finance (Not Investing) (tax form). I also retitled the thread. Thanks all for your comments. After I chilled out it took me 5 minutes to retype the form online and print it out. I will resubmit the form signed in blue ink. I will also write a brief thank you to t...
by bstevlin
Thu May 10, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3302

Re: IRS tax form

Thanks all for your comments. After I chilled out it took me 5 minutes to retype the form online and print it out. I will resubmit the form signed in blue ink. I will also write a brief thank you to them for alerting us to our error because we have a refund coming. BTW, a few years ago the IRS told ...
by bstevlin
Wed May 09, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3302

IRS tax form [Rejected as photocopy, signature must be in blue ink]

My wife and I just had our 2017 1040 returned because they said it was a photo copy. The form was the original filled out in black ink. DW contacted the IRS. Initially they said they never heard of this but they would put her on hold to investigate. She asked how they would know that it is a photoco...
by bstevlin
Sun Apr 15, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11937

Re: We crush stock indexes, Yale claims

I have heard David Swenson say much the same thing as Buffet. Swenson stated average person on the street cannot and should not try to replicate the Yale investment fund. They should stick to Stock index funds and treassury and tips bonds, 70% stocks 15% treasury bonds and 15% tips. I question the p...
by bstevlin
Sat Feb 24, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75004

Re: Netflix, Your Current Favorite Show

Delete post again
by bstevlin
Thu Feb 22, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75004

Re: Netflix, Your Current Favorite Show

Warsaw Spies based on an Alan Furst novel. On the surface it would seem this would an intriguing series. However, the dialogue is stilted and almost amateurish. Certainly not up to the BBC standards for writing. There are many BBC actors, but I believe the series is a big disappointment. Maybe othe...
by bstevlin
Wed Feb 21, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75004

Re: Netflix, Your Current Favorite Show

Delete post
by bstevlin
Fri Jan 05, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 4337

Re: E-reader for ebooks - Pros and Cons

My preferred way of reading an Ebook at home is my Mac Airbook. I can adjust the text and lighting, it actually for me is better than a print book. If I am traveling then I use my mini IPad or IPhone 6 Plus.
by bstevlin
Fri Aug 11, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Wanting to learn how to play Bridge
Replies: 15
Views: 1859

Re: Wanting to learn how to play Bridge

I have watched folks play bridge and it looks like a very interesting game. I looked through some books "Bridge for Dummy's" etc. to see how I could learn how to play it well. One of my problems is that I want to do it very well and learn the right thing from the start. I am sure there are numerous...
by bstevlin
Mon Jul 10, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Condo association - Does the budget seem sound?
Replies: 14
Views: 1430

Re: Condo association - Does the budget seem sound?

Just bought a condo. The condo association's finances appear to me to be sound but am curious what others think. The current condo assoc. budget is: $340K / year divided among 92 condos = $308/month per condo Operating reserves = $245K Of the $340K approx. $80K is transferred to operating reserves ...
by bstevlin
Sun Jun 18, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 17911

Re: Anyone else gotten totally bored with investing?

Back when my portfolio was 20% of its current value I was an incredibly active investor. I subscribed to Morningstar and read all the financial rags in the library and online. Was constantly checking my portfolio of 10-20 randomly assembled active funds and following the market with laser intensity...
by bstevlin
Sun May 07, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 5094

Re: Best salads

We eat salads 5 or more days/week. The main ingredients are kale, romaine, green, or red leaf lettuce, Grape or cherry tomatoes, cucumber, red peppers, baby carrots and steamed brocolli. All the vegetable ingredients are fresh except the brocolli from Costco which is frozen. We use oil and vinegar f...
by bstevlin
Mon May 01, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 11123

Re: Dealing with regret

Hey guys, recently I've had trouble dealing with some absolutely boneheaded financial mistakes I made in the depths of the Great Recession. Namely, in 2007 I was 31, with 200k in my 401K. Nothing particularly impressive but I felt like I was making good progress. I got spooked in '09 and ended up g...
by bstevlin
Mon Mar 20, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3982

Re: Relocation to Milwaukee

What part or area of Mil. are you looking? Brookfield, Elmbrook area for housing There is not a lot land left for building in the Elm Brook school district. Parts of the city of Brookfield are located in the Waukesha school district. My son lives in a southeast school district in Waukesha County. H...
by bstevlin
Wed Mar 15, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3982

Re: Relocation to Milwaukee

Thanks all. Currently in Orlando suburbs. Top school ranking and newer houses are top on our list. We just can't imagine living without these. The public schools in Waukesha, Ozaukee, and Washington counties are as among the best the nation which is reflected by median house hold income which is in...
by bstevlin
Mon Feb 06, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 34189

Re: WSJ Digital Subscription - a bargain!

Just FYI, they are probably signing up with a student discount, etc. and then reselling it to you which could mean your account is at risk of being disabled. Erwin, I think that aside from their core audience, the paper is desperate for subscribers. This is universal in the industry which is why th...
by bstevlin
Mon Jan 30, 2017 2:15 am
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 4307

Re: Nissan? (Cars.)

I was interested in the Murano until the designers turned it into an origami project. And I used to like Toyotas until someone started slapping those b-ugly grilles on them. I drove a 2006 Acura MDX for eight years, I bought in 2008 for 24k. I could not come close to that price for a two year old A...
by bstevlin
Mon Oct 31, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 59
Views: 34422

Re: Fish from Costco?

:D I would buy pacific Salmon only from processors in the USA. Do you have the same rules for everything else you buy? Fruit in February? Lamb from Australia? Do you go to restaurants? Ever buy a car? The idea that one can function these days by choosing where everything we consume comes from is a m...
by bstevlin
Mon Oct 31, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 59
Views: 34422

Re: Fish from Costco?

Are any of their fresh or frozen fish selections not from China? The Salmon is from Russia. I would not eat Talapia unless it is from the USA. I will not eat shrimp unless it is gulf shrimp. Be aware that most ocean fish can and do contain mercury. I will eat Alaskan salmon, Walleye from Canada, an...
by bstevlin
Mon Oct 31, 2016 12:29 am
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 59
Views: 34422

Re: Fish from Costco?

Are any of their fresh or frozen fish selections not from China? The Salmon is from Russia. I would not eat Talapia unless it is from the USA. I will not eat shrimp unless it is gulf shrimp. Be aware that most ocean fish can and do contain mercury. I will eat Alaskan salmon, Walleye from Canada, an...
by bstevlin
Tue Oct 18, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Diversify Bonds without LONG-term bonds?
Replies: 13
Views: 1392

Re: Diversify Bonds without LONG-term bonds?

That is an interesting portfolio recommendation. I would like to see how the long term performance of the advisor portfolio matches up with the three find portfolio with same the allocation and the Vanguard Life Strategy Growth fund VASGX. For someone with a Flagship account that is a lot of money, ...
by bstevlin
Fri Sep 16, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: Nisiprius Investments Unveils New MDF Factor-Based Fund
Replies: 44
Views: 4658

Re: Nisiprius Investments Unveils New MDF Factor-Based Fund

You should with all deliberate speed establish a Black Rock ETF "MDF". The next step is to get yourself appointed to the board of directors at Goldman Sachs and J.P. Morgan and every well known hedge fund. Finally to validate your investment scheme you should appear frequently on CNBC and FBN where ...
by bstevlin
Fri Sep 09, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Emergency SmartPhone for a 90+ year old
Replies: 41
Views: 3447

Re: Emergency SmartPhone for a 90+ year old

Look at the Consumer Cellular website. They are known for their senior user devices. They have some good options for flip phones and and an alert device the can be worn as a pendant.
by bstevlin
Fri Aug 19, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 4563

Re: vacation ideas - October

We will be celebrating an anniversary and live in the Midwest (north suburbs of Chicago). Willing to drive up to 9 hours. I am recovering from a surgery, so we cannot go hiking, boating, skiing - would love to just see something beautiful - we tend to want more to do at night, plays, concerts, dinn...
by bstevlin
Thu Aug 11, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Talked myself out of buying a new car. What do you think
Replies: 31
Views: 3596

Re: Talked myself out of buying a new car. What do you think

If you do decide to replace, might want to look at other options. We rent cars 2-3 times per year, and the Equinox is far and away the worst we've had in the past 5 years, and the second or third worst ever. But as others have said, we need to know what your current ride is if we're going to be abl...
by bstevlin
Tue Aug 09, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 61
Views: 6789

Re: Blocking robot calls.

We use http://www.nomorobo.com for our land line. It blocks about 75% of the robo calls and seems to work quite well. +1 for us. We just got a call from the IRS. We are being sued by the IRS and we must ASAP call this number. Sounds to me we should have our banking information ready for the crimina...
by bstevlin
Sun Jul 10, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Best bond strategy going forward?
Replies: 23
Views: 2921

Re: Best bond strategy going forward?

I am going to paraphrase the quote of the Bogelhead with the most wisdom. "Any short or intermediate quality US index bond fund will suit you well" or something close to that effect. You already own one, the US total bond index fund OR ETF. You will have to decide the stock asset allocation that wil...
by bstevlin
Sat Jul 02, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Moving Seattle -> Madison?
Replies: 33
Views: 2752

Re: Moving Seattle -> Madison?

Even with the WI state income tax your overall cost of living will be lower mainly do to housing. There is plenty of biking and camping to be done in Wisconsin except for the months Nov. thru March. If there is snow cross county skiing is a blast with a with a lot of challenging trails and awesome c...
by bstevlin
Sun Jun 26, 2016 6:27 pm
Forum: Investing - Theory, News & General
Topic: Brexit - article/source request - please
Replies: 31
Views: 2498

Re: Brexit - article/source request - please

Try the Financial Times and the Economist. You can access them online at Arts and Letters daily. Charlie Rose had a superb discussion Friday evening with four different views by Brit pols, economists, and writers. Each guest presented a compelling view of their position. I think a rebroadcast Monday...
by bstevlin
Sat Jun 18, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 10146

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

Swimmer, you need to get the manufacturer rep involved and put them in charge of solving your problem. The sooner you do the sooner your problem will be resolved. Dealers want to sell cars and earn profitable dollars from their service department. There is no profit for the dealer in good customer s...
by bstevlin
Sat Jun 04, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 30
Views: 15273

Re: Carpeting-Costco or Home Depot?

Do not do Home Depot. I had some kitchen work done. They take your money and leave you to fight with the contractor to get what you paid for. I had a garage door installed by a Costco contractor. It was very satisfying; however my son found much better success with a local carpet company compared to...
by bstevlin
Fri May 06, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 150
Views: 21600

Re: Who else hates choosing a car?

Do you folks mind if I digress a little from the discussion? I want to replace my 2006 MDX with a 2013 RX 350. What should I pay for a CPO RX350 AWD with <35000 mi with a good car fax maintenance history. I will sell my MDX privately. Another MDX is out of the question because the RX has more leg ro...
by bstevlin
Wed Mar 16, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Downgrading a CC [Credit Card]
Replies: 16
Views: 1963

Re: Downgrading a CC [Credit Card]

The new grocery store prices are 15% to 30% less than the grocery store that accepted the AMEX card which gave us 6% back. So instead of spending $1.00 and getting back .06 cents from AMEX I now spend .70 to .85 cents to get the same merchandise with a much larger selection as a bonus. Does this help?
by bstevlin
Wed Mar 16, 2016 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Downgrading a CC [Credit Card]
Replies: 16
Views: 1963

Re: Downgrading a CC [Credit Card]

I did exactly what you intend to do by phone. It was not a problem. Our new grocery store does not take credit cards, however the savings more than makes up for the 6% rebate. The savings are from 15% to 30% or even more. We now have the AMEX everyday blue card which is the card we started with.
by bstevlin
Sat Jan 23, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018857

Re: What Movie Have You Recently Watched?

My wife and I just viewed Brooklyn. She rated it as at least a two hankie film. We both thought it was a fine movie well worth our time and money. We highly recommend it. I know my Irish mom has watched it more than once in the big Irish cinema in the sky.
by bstevlin
Sat Jan 23, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 34579

Re: Costco AMEX Update

I shopped Thursday at Costco. It was not busy so there was a little time for bantering with the employees. They said the March 31 date for Amex to expire has been extended until at least until mid summer. I asked if Costco was not ready, they said no it was Amex. I asked if Costco as still going thr...
by bstevlin
Thu Nov 05, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: Costco auto buying service is USELESS!
Replies: 27
Views: 22733

Re: Costco auto service is USELESS!

I used COSTCO this past spring to purchase a Honda CRV EX 2015 for my son. Their dealer came in by email with the lowest price by $50.00. However the dealer was 70 miles from his home so he purchased the car from a local dealer for $50 more and the usual car dealer hi-jinx. I asked for a quote from ...
by bstevlin
Wed Sep 16, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Buying a car in chicago
Replies: 17
Views: 1550

Re: Buying a car in chicago

You should go with her. The dealers will try every trick they can to snooker her out of money or put one over on her. Come on dad, show her how it's done. Or let her show dad how it's done. I would buy a new civic or Corolla or even lease one. Honda has some great deals on civic leases. I have seen ...
by bstevlin
Tue Aug 18, 2015 11:30 pm
Forum: Personal Consumer Issues
Topic: 480i TV signal
Replies: 13
Views: 2254

Re: 480i TV signal

Thanks for all the replys. TWC is going to mail an adaptor to me. The TV manufacturer (ROKU) said I should get a much better picture. When it is hooked up I will post the outcome.
by bstevlin
Tue Aug 18, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: 480i TV signal
Replies: 13
Views: 2254

Re: 480i TV signal

I must not understand what a RF hookup is. I have a cable box hookup for my primary TV. The other set is connected to the cable company with the wire needle and threaded nut. I get all the local channels in HD. So I can watch PBS, CBS, NBC, etc in high def. It is the channels you mentioned that I wa...
by bstevlin
Mon Aug 17, 2015 11:39 pm
Forum: Personal Consumer Issues
Topic: 480i TV signal
Replies: 13
Views: 2254

480i TV signal

I purchased a new TLC 48" 1080p TV from Costco for our guest bedroom/get away reading room/guy hangout.. It is a wonderful device for the price $400.00. The intended use is Netflix streaming and sports viewing such as MLB and NBA playoffs, NFL and college football and major golf tournaments. On some...
by bstevlin
Mon Aug 03, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Costco for hearing aids
Replies: 13
Views: 2694

Re: Costco for hearing aids

To bstevlin How do you adjust your Costco hearing aid (Rexton) on your iPad or MacBook? I had Costco preset mine but sometimes I'd like to increase the volume. Thanks, Fandango Dave 5010 Hi Dave. I downloaded the Kirkland app from the ITunes Store. It is free. I then went to the Costco hearing cent...
by bstevlin
Fri Jul 31, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Costco for hearing aids
Replies: 13
Views: 2694

Re: Costco for hearing aids

I purchased my first pair of hearing aids from my health care provider in 2009. They were OK and the price was $2800. I lost one of them and the cost to replace them was $3600. I bought a new Kirkland set for $1800. There is a huge difference in quality with the upgrade to Kirkland aids. I can adjus...
by bstevlin
Thu Jun 04, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 9630

Re: Which grocery stores do you shop at and why?

Where I live we have a grocery chain called Pick n Save. They used to have a near monopoly on the grocery market. They featured a few loss leaders and then marked up the rest of the grocery items at high prices along with crummy customer service. That changed with the entry of Walmart and Aldi's on ...
by bstevlin
Fri May 01, 2015 11:14 pm
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 4326

Re: Telemarketing by Cell /Increase with Consumer Cellular

I have been receiving calls on my Trac phone from criminals. This is the bureau of land management, geez it's sounds like your calling from Mumbai or their is a problem with your social security account so please call with your correct information. I just shut my cell phone off. I just got an email ...