Search found 332 matches

by chabil
Fri Jan 20, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 320
Views: 49875

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

We saved as much as we could. Spouse retired at 74. Always did our own finances and taxes. Moved everything into Vanguard indexex. One kid though public school, the other to Prep school to which he very much wanted to go and applied.. Paid for both their college education with no debts. We contribut...
by chabil
Wed Jan 11, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 3973

Re: Keeping kitchen knives sharp

Anyone have any tips for tools to easily keep kitchen knives sharp? Do those dinky little sharpeners that you just slide the knife through really work? Or do you need like a stone type tool that you slide the blade up and across? I'm not really up to snuff on my knife sharpening skills...but need t...
by chabil
Wed Jan 11, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2539

Re: Anyone else having trouble with unrequested CVS auto-refills?

I've never knowingly asked for auto-refill. They always ask me, I always say "no." Two days ago I got a robocall saying my prescription was due for refill, did I want to refill it? After doing a reality check and counting over thirty pills left of my ninety-day supply, I pressed "two...
by chabil
Wed Jan 11, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Dividend Paying stocks
Replies: 1
Views: 297

Selling Dividend Paying stocks

I am transferring some stocks to my son (gift) which will be sold and put into his Roth.
I am bit confused as to what happens to the dividends in this case. Is there an optimum time to sell these stocks so those dividends pertaining to these shares are not lost?
Thank you.
by chabil
Thu Dec 29, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7289

Re: How many of you invest 100% at Vanguard?

All in Vanguard other than a Bond Fund in taxable account from my husband's employer savings plan since before he retired. We cannot move it without liquidating it but it is doing well so we have left it there. We are happy with this arrangement. One benefit is as a Flagship account we get a persona...
by chabil
Thu Dec 15, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on liquidating stock portfolio
Replies: 9
Views: 857

Re: Advice on liquidating stock portfolio

chabil, I don't know exactly what my portfolio is at the moment, and won't until the post-divorce dust settles. I don't have any Medicare insurance because I have group insurance through my employer. I am not sure about the interplay between total income and taxes on the SS. My situation now is com...
by chabil
Thu Dec 15, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on liquidating stock portfolio
Replies: 9
Views: 857

Re: Advice on liquidating stock portfolio

I don't know if you mentioned what percentage of your total portfolio are the stocks. Even if Cap gains are taxed at 15% the gains will count towards your total income which affects SS taxes and also Medicare insurance. We also have a bunch of stocks with very low cost basis. I have given them as gi...
by chabil
Thu Dec 08, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1583

Re: Smartphone for a low techie

thank you everyone. i think i am going to get him an iphone 6S same as mine. i think he will love it.
by chabil
Sun Dec 04, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1583

Smartphone for a low techie

I am looking for suggestions for a smart phone for my husband. We both always had flip phones on a legacy T-Mobile. we use it only when we travel, when out, and only to communicate with family and close friends. Our use is minimal, we are still land liners, and the land line number is the only one w...
by chabil
Fri Nov 18, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 2669

Re: Hardwood Floor - purchasing options

Thank you for all the responses. This will be in the family room and there is only 2 of use except when children and grandchildren visit. No pets. The garage opens into this room and so that area, which is not carpeted, gets stained summer and winter. This is the main reason I am getting hardwood fl...
by chabil
Mon Nov 14, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 2669

Hardwood Floor - purchasing options

I am considering replacing the carpet with wood for our family room and have it installed. I am a bit confused about where to start. I can go to Home Dept, pick what I like ( real wood, Oak, nailed down) and have them install it. Lumber Liquidators - wasn't there a problem with them a while ago? Do ...
by chabil
Tue Sep 13, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: How do you block numbers on land line?
Replies: 9
Views: 1074

Re: How do you block numbers on land line?

We use Nomorobo. Had to sign up (for free) and link it to our Verizon landline account. It uses a database of known robo-call numbers and if a call comes in from a number in their database, it will ring once, then get dropped. It is not perfect since you still hear the first ring. Have been using t...
by chabil
Tue Sep 06, 2016 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: How do you calculate your expected expenses in retirement?
Replies: 18
Views: 3185

Re: How do you calculate your expected expenses in retirement?

Before my husband retired I looked at the average of out last three years of expenses on Quicken. After the 401K and any other regular investments all our income and expenses were from a single checking account. I took the statement and categorized the expenses, fixed vs flexible. This told us we c...
by chabil
Mon Sep 05, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do you calculate your expected expenses in retirement?
Replies: 18
Views: 3185

Re: How do you calculate your expected expenses in retirement?

Before my husband retired I looked at the average of out last three years of expenses on Quicken. After the 401K and any other regular investments all our income and expenses were from a single checking account. I took the statement and categorized the expenses, fixed vs flexible. This told us we ca...
by chabil
Mon Sep 05, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman's The Truth about Retirement on PBS
Replies: 142
Views: 13435

Re: Ric Edelman's The Truth about Retirement on PBS

The idea of being debt free at retirement is appealing if you want to do other things with the money - like buy more services and get more time for self, rent a beach home for the summer, travel. Becoming debt free by being more frugal might get you there. But becoming debt free by spending your as...
by chabil
Sun Sep 04, 2016 9:00 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman's The Truth about Retirement on PBS
Replies: 142
Views: 13435

Re: Ric Edelman's The Truth about Retirement on PBS

The idea of being debt free at retirement is appealing if you want to do other things with the money - like buy more services and get more time for self, rent a beach home for the summer, travel.
by chabil
Sat Aug 27, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 437

Re: Birding in Big Sur

WhyNotUs wrote:I went to the Elkhorn Slough and stayed at a vrbo in Watsonville surrounded by Strawberry fields (forever).

http://www.elkhornslough.org/sloughlife/birds/


I will check into it, thank you. the website's latest checklist is dated Feb 2016.
by chabil
Sat Aug 27, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 437

Re: Birding in Big Sur

I second the suggestion for Elkhorn Slough. I'd suggest renting a kayak and paddling in the slough. You could stay in Monterey, Watsonville, Santa Cruz or between any of them. There is a fire in Big Sur. Also, when I have hiked there, the birding wasn't very good. Think trees but not much water. Oh...
by chabil
Fri Aug 26, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 437

Birding in Big Sur

My husband and I will be driving from LA to Palo Alto late September. We are interested in watching the birds and of course the scenery. I think SLO and Moro Bay are good birding places. We think we may like to stay in the are for a couple of days. Any hotel, motel, B&B suggestions? It will be n...
by chabil
Mon Jul 11, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Cellulay IPhone $160
Replies: 2
Views: 390

Consumer Cellulay IPhone $160

With AARP membership. It is an 5s 16GB. Anybody got this? Like it? I am considering getting it transition to my first smart phone.
by chabil
Mon Jul 11, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13442

Re: How many of you have cut cord?

The debates were all on cable. Ok they were more entertainment for than intellectual but still ... It is the reality. The Dem debates actually were interesting. You can watch the debates the next day for free on YouTube. https://www.youtube.com/results?search_query=democratic+debates Sure. But I do...
by chabil
Mon Jul 11, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13442

Re: How many of you have cut cord?

Reading this thread it appears to me many people are cutting one "cord" and creating new "cords" with multiple subscriptions and end up with very limited access to TV entertainment. I feel you are right. Perhaps the cost depends on where you live. We have Comcast (customer for m...
by chabil
Wed Jul 06, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: Effect of the market on Asset Allocation
Replies: 0
Views: 418

Effect of the market on Asset Allocation

My observations of my portfolio during this ebb and flow of the stock market this year.We are retired and reinvest dividend income into the taxable account - all into Total Stock Mkt. All dividend income in tax deferred funds are reinvested into the same funds. YTD Net Gain about 5% from year end ba...
by chabil
Sun Jul 03, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13442

Re: How many of you have cut cord?

I don't find Netflix offering satisfactory. It may have to do with my Apple TV search function. If you want to be politically active you do need some amount of cable news. The debates were all on cable. Ok they were more entertainment for than intellectual but still ... It is the reality. The Dem de...
by chabil
Tue Jun 21, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Group Travel?
Replies: 14
Views: 1637

Re: Group Travel?

I have not. But a family member used to do Elder hostel all the time (name changed to Road Scholar). https://www.roadscholar.org/ I'm going to try it when I get a bit older. we have done several trips with Road Scholar and we have been mostly pleased. The programs very in activity levels. we went o...
by chabil
Fri Jun 17, 2016 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Account Service Error
Replies: 9
Views: 773

Re: Vanguard's Account Service Error

HueyLD wrote:Did you recently convert to a brokerage account?

No. It is part of a taxable account.
by chabil
Fri Jun 17, 2016 7:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Account Service Error
Replies: 9
Views: 773

Re: Vanguard's Account Service Error

This is a known problem. Been happening for years. I find it very irritating because I travel for long periods and do not like the idea of unexpected checks sitting in my mailbox for months. What I did is direct Vanguard to deposit all dividends to my checking account. I'm hoping that will solve th...
by chabil
Fri Jun 17, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Account Service Error
Replies: 9
Views: 773

Re: Vanguard's Account Service Error

I checked the transaction history. All the other fund dividends were treated per instruction. You see where it went if you scroll over the item. This particular transaction has nothing. Nothing! All it says dividends were declared on that date but does not show what happened to it. My dividends shou...
by chabil
Fri Jun 17, 2016 4:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Account Service Error
Replies: 9
Views: 773

Vanguard's Account Service Error

Today i received a dividend check from one of my funds with Vanguard. If we had been on vacation I would not have even seen it. It was dated June 13th. For about 1500.00 I have never, ever, received any dividend checks from Vanguard. They are all reinvested or moved to a money market acct. After wai...
by chabil
Tue May 31, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Are all cable companies horrible from a customer service standpoint?
Replies: 42
Views: 2601

Re: Are all cable companies horrible from a customer service standpoint?

we have both Verizon and Comcast in our town. the service has been great with both. we have 2 year contract with Verizon which will expire soon. we will continue with them as long as they don't raise the price. right now they just gave us free HBO and wants us to be happy. I think Time Warner and Ch...
by chabil
Fri May 27, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 192
Views: 17183

Re: Vanguard Customer Service

I agree with others who have posted about customer service at Vanguard, that for the most part I am very happy. I had a great rep, who even remembered some of our holdings and our son'r holding and made transactions for us. She was replaced with a new person this who has proven to be better than her...
by chabil
Tue May 24, 2016 9:14 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9473

Re: How to Bogleheads TRAVEL?

I've been to almost every country I really want to visit and I cannot condense my experiences in a reasonable length post so I'll try to give a few of tips. 1. Its easy to visit a single city in Europe if one does not do much travel - think Rome, Paris, Barcelona. I always book a reasonably priced ...
by chabil
Sat May 07, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Budapest
Replies: 10
Views: 1190

Re: Budapest

We did a east European tour by car that included Buda Pest. It is my least favorite city. We visited Berlin. Kraków, Prague,Vienna, Chesky krumlow, etc. I found the place glum, commercialized, unfriendly. would spend my money on something else, an excursion, another city.
by chabil
Tue May 03, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Cost of stone patio
Replies: 17
Views: 3004

Re: Cost of stone patio

thank you,bta15. that is very helpful.
by chabil
Wed Apr 20, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Cost of stone patio
Replies: 17
Views: 3004

Re: Cost of stone patio

thank you for the responses. i looked at pictures of stones set in concrete and set in sand and i like the sand better. just don't like the maintenance it requires. i read that you can have landscape mesh laid down to prevent weeds. that and roundup would do it i think. not sure what COl we live in,...
by chabil
Tue Apr 19, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Cost of stone patio
Replies: 17
Views: 3004

Cost of stone patio

I am trying to get a small stone patio put in and getting some price. It will 100 sq ft square. There is a smaller one (8x8) one right now, laid on sand or gravel and I would like to add to the existing stones and make it bigger and tighter. The guy said he will set them on cement, put a mesh underl...
by chabil
Fri Apr 15, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Cost of medication - Costco versus Walgreens
Replies: 31
Views: 8140

Re: Cost of medication - Costco versus Walgreens

My prescription cost for Levothyroxin has been increasingly going up and I was paying $27 for 90 day supply deductible with Medicare D at Caremark/CVS. I asked my doctor to mail me a new prescription for a 90 day supply and today I picked it up at Walmart for 10 bucks, also deductible in my insuranc...
by chabil
Thu Mar 31, 2016 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 107
Views: 13630

Re: leaving vanguard due to math errors / poor customer service?

Two years ago they switched our rep and I ended up with a totally incomepetent person. I complained bitterly to CS all the way to the director and got assigned to someone excellent, responsive, an absolute delight. Now she left and rep changed again and he is even better! I have done several TLH har...
by chabil
Wed Mar 30, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Binoculars for Birding Boglehead-wise
Replies: 23
Views: 1917

Re: Binoculars for Birding Boglehead-wise

Thank you all for your responses. I find that I like my Bushnel 7X35 Porros prism a better fit than my Denali 8X42. It seems sharper and clearer and easier to focus. Most of all it seems to sit better lifted up to my eyes. Fov is 420. The Denali which is Roof prism seem like a narrow tunnel through ...
by chabil
Tue Mar 29, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Binoculars for Birding Boglehead-wise
Replies: 23
Views: 1917

Binoculars for Birding Boglehead-wise

So I have combed through many of the binocular related threads. I am seeking some advice specifically about optics for birding. i have also been reading up as much as I can absorb on the numbers, brands, specs etc. I am fairly new to birding and just returned from a fabulous birding trip in Costa Ri...
by chabil
Sun Mar 13, 2016 9:09 pm
Forum: Investing - Theory, News & General
Topic: The AMT puzzle
Replies: 14
Views: 2507

Re: The AMT puzzle

Thank you, Grabiner.
by chabil
Wed Mar 09, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: "Monitor Your Portfolio Once This Year, Then Ignore It"
Replies: 53
Views: 7306

Re: "Monitor Your Portfolio Once This Year, Then Ignore It"

Bogleheads: Bill Schulthies has written this article about the benefits of looking at our portfolio only once-a-year: Monitor Your Portfolio Once This Year, Then Ignore It Best wishes. Taylor I must confess, I look more often and more closely at our portfolio since we retired in 2012. I was not a t...
by chabil
Tue Mar 08, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Deluxe or Premier?
Replies: 20
Views: 1697

Re: Turbo Tax - Deluxe or Premier?

Can I still download all my transactions from my broker websites using Deluxe? Is there still support from Turbo Tax if I need it? yes and yes. we just completed out taxes. it does everything you need to do. there is also plenty of support from the IRS site itself and also TT. you can do everything...
by chabil
Tue Mar 08, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Deluxe or Premier?
Replies: 20
Views: 1697

Re: Turbo Tax - Deluxe or Premier?

jwblue wrote:Does Deluxe support stock trades? I almost certain I used Deluxe last year with stock trades but the TurboTax website says I need Premier.

yes, it does.
by chabil
Mon Mar 07, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: The AMT puzzle
Replies: 14
Views: 2507

Re: The AMT puzzle

Not enough info to say. Maybe post your Schedule A? You can fix the title yourself by editing the "Subject" in your post. But I must say I thought this was going to be where you told us the secret code to get free cash from ATMs. You know, press: <enter> <enter> <OK> 1-9-9-0-<Del> <del> <...
by chabil
Mon Mar 07, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: The AMT puzzle
Replies: 14
Views: 2507

The AMT puzzle

SORRY for the error in the title. I am talking about AMT. Can the moderator please fix the title? [Fixed - moderator prudent] I know - there is enough discussion on this. I am trying to understand and work through this with our TT tax forms. We had 417 AMT last year. This year it is 2100. We are bo...
by chabil
Sat Feb 27, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4732

Re: Buy a house at age 75?

I am 75, spouse 73. Unhappy in current home. Would it be crazy to sell and buy again at our ages? I am curious as to what specifically are you unhappy about. We, rather I, often toy with moving. But always come back to the same conclusion - make what we have better. Your situation may be different....
by chabil
Fri Feb 26, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Zenni Eyeglasses
Replies: 6
Views: 1600

Zenni Eyeglasses

I got my first pair i have ordered from Zenni. Quite happy except I did not realize I needed to measure frame measurements. The bridge is wide by 1 mm but makes a difference. They are willing to take it back for a refund which is nice. It is single vision and I ordered clip on sunglasses with it. I ...
by chabil
Thu Feb 25, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Rethinking Roth Conversion
Replies: 4
Views: 714

Re: Rethinking Roth Conversion

Thank you for the responses. I might have overstated the loss on the VTSAX. We will not bother with the recharacterization.
by chabil
Wed Feb 24, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Rethinking Roth Conversion
Replies: 4
Views: 714

Rethinking Roth Conversion

At the time of withdrawing the RMW for 2015, we converted an additional 5000 into an existing Roth IRA, investing in VTSAX, Total Stock mkt. It has since lost almost half the value. we neglected to set it up as a separate Roth, which I realize was a mistake. Tax was not withheld on that part, and we...

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