Search found 587 matches

by david99
Thu Jan 11, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3131

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

I have most of our money at Schwab and Fidelity. I'm a DIY investor, never receive calls to push me into anything. Advisors are there if I choose, but they seem to be fine leaving me alone. I have some of my portfolio at Fidelity and I get calls from them wanting to review my investments. I just ig...
by david99
Sat Jan 06, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23180

Re: What frugal thing did you do today?

I purchased an Instant Pot on Amazon after reading the Instant Pot thread on Bogelheads. I used my Amazon Prime Card and saved 5%, plus I saved $10 by signing up for the automatic reloading of my gift card. So , I did spend money but got a $15 discount. You'll save money using the Instant Pot since...
by david99
Sat Jan 06, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship milestone: Thank You Bogleheads!
Replies: 13
Views: 2510

Re: Flagship milestone: Thank You Bogleheads!

Congratulations. Great accomplishment ---- the first million are the hardest.
by david99
Sun Dec 31, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 153
Views: 17502

Re: TurboTax Prices

I also purchased the deluxe version at Costco for $40.
by david99
Fri Dec 29, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10855

Re: Another should i buy my dream porsche thread...

I just went through 2 years of the same machinations and bought a brand new 2017 C4S in October (1 month before my 40th birthday). My advice, buy the car, enjoy it and sell it if/when you're no longer excited about it. Sure you'll lose some money, but why do you earn it if not to enjoy it responsib...
by david99
Fri Dec 29, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 40
Views: 6905

Re: This is Unbelievable - another Vanguard customer support odyssey

I transferred a 403b to a TIRA at Vanguard this year and I didn't have any problems. I didn't do anything complicated ----- I just transferred the entire amount to one fund.
by david99
Fri Dec 29, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4637

Re: A Year of Extreme Frugality

But, I never tried to save by eating what I would consider an unhealthy diet. Healthy food is the last thing I'd give up. Excellent point. It's worth repeating even if it's obvious. Victoria I also would not be frugal when it comes to healthy food. Eating unhealthy food can cost you a lot more mone...
by david99
Thu Dec 28, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Frozen credit and TMobile
Replies: 5
Views: 427

Re: Frozen credit and TMobile

TMobile said that they use Transunion for me. I would call them again and see if you get another person that speaks better English.
by david99
Thu Dec 28, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 10878

Re: Any Instant Pot users here?

I got an Instant Pot during Black Friday. It's easy to use and as others have pointed out, you can set it and forget it ----- put all the ingredients in, set the pressure and timer and do something else while it cooks. You can also saute in the pressure cooker and then put in the rest of the ingredi...
by david99
Mon Dec 25, 2017 10:04 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8192

Re: My Christmas Present to You

Merry Christmas, Taylor
by david99
Mon Dec 25, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 64
Views: 6248

Re: Do any of you follow Bob Brinker?

I would avoid all of the broadcast gurus. As nearly as I can tell, they are all the same in several regards: 1) They spout off what can only be called a mixture of fact and personal opinion--admittedly it's hard to distinguish those in investing--but, unfortunately, their broadcast persona is that ...
by david99
Fri Dec 22, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: How I got to $1.5MM
Replies: 42
Views: 7351

Re: How I got to $1.5MM

Thanks for sharing your story with us --- a lot of lessons to be learned from it.
by david99
Sun Dec 17, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Simplicity"
Replies: 19
Views: 20191

Re: What Experts Say About "Simplicity"

As Henry David Thoreau said in Walden, “Our life is frittered away by detail. Simplify, simplify, simplify! I say, let your affairs be as two or three, and not a hundred or a thousand; instead of a million count half a dozen, and keep your accounts on your thumb-nail.” I think that in this era of th...
by david99
Fri Dec 15, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I open a fitness center for extra money?
Replies: 37
Views: 2868

Re: Should I open a fitness center for extra money?

I would find a franchise owner in another state ( so you are not competing with them) and ask them a bunch of questions.
How many hours do you have to put in? Can you do it part time? ..... Treat them to dinner and ask a lot of questions.
by david99
Fri Nov 24, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 57
Views: 8059

Re: Black Friday Deals/Holiday Gift Ideas

Instant Pot from Amazon $81.99
by david99
Wed Nov 01, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 58330

Re: Retirement Account Stolen by Identity theft

I know someone that has an account at Transamerica and she said that they only require a medallion signature guarantee for withdrawals over $150,000. For withdrawals under 150k you need a notary stamp. She also said that they allow you to fax the distribution request form ---- which means that someo...
by david99
Mon Oct 09, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10791

Re: Third time in my 32 year career I have been laid off

Someone else mentioned the point of something to retire TO vs. FROM, so you may prefer to find some employment rather than immediately retire. If you do, remember you don't have to work full time and you can "semi-retire". This is one of my issues. I would have to phase into retirement. My routine ...
by david99
Sun Oct 08, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1282

Re: Keeping Tabs on Investment Accounts

I check my accounts weekly. I also receive emails and text messages from Vanguard if there is any activity. I wish that all my financial institutions sent me emails and text messages with any activity.
by david99
Sat Oct 07, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 58330

Re: Retirement Account Stolen by Identity theft

I think that Trans America is responsible for this mess. Why didn't they send a letter to the account holder when there was a change to the account? Why didn't they make a two minute phone call to the account holder to confirm that he requested the change? You probably have good reasons to take lega...
by david99
Sat Oct 07, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 58330

Re: Retirement Account Stolen by Identity theft

Thanks for posting this. I've increased the security on my accounts. I would get a lawyer involved in this situation. I think that a letter from your lawyer will put more pressure on Trans America. In the event that Trans America does not return your money, I would let them know that you plan to go ...
by david99
Sun Sep 17, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2942

Re: Vanguard customer service/technology = "Bad returns in Bad times"

I have money at Fidelity. They might have called me once or twice to check in and I have just told them I don't need anything. If you start on with questions and indicate you might need or want help, then you might be opening the door. We get a couple of calls per year. They leave a message along t...
by david99
Sat Sep 16, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 7608

Re: Distressing news -> Flight to Safety ?

Doc, if all we're talking about is moving a portion of TBM into Treasuries and that action makes you feel more secure about future market disruptions, it seems rational to do it. Treasuries offer the ultimate safety in a market collapse. Currently their yields aren't far from TBM's, so switching is...
by david99
Sat Sep 16, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 17678

Re: Who has needed to use their umbrella insurance?

Umbrella liability only costs me $300 for 2 mill. But health insurance costs 10k ---my company pays half of that. If I had to pay the full amount I think that I would skip health insurance but I would keep the umbrella liability.
by david99
Fri Sep 15, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 7314

Re: Fidelity Security

Have you noticed that most banks and credit unions are way behind in terms of security? Sure they have the usual 2FA using SMS or email but I have yet to see Ally, PenFed, TD, Cap One, Citi, Chase and many others implement either a hard or software token. Thinking about consolidate all cash at Fido...
by david99
Fri Aug 18, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collector called, should we call them back?
Replies: 15
Views: 2270

Re: Debt collector called, should we call them back?

If you call them, ask them to send you something in writing that can review/check with your records.
by david99
Mon Aug 14, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 7227

Re: Expect to spend $2.6M on healthcare?

I wrote this earlier this year. I have copied it here as it shows an 18 year retired couple's actual out of pocket medical costs through 2016. Medical cost in retirement. This is not our estimated health care costs in retirement. (I retired at 65.) This is our actual cost over 18 years. Medical, de...
by david99
Thu Aug 10, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 19274

Re: Life at crossroads. What would you do ?

I knew two computer programmers that became math teachers in their 40's. One got carpal tunnel and the other got laid off. They both enjoy teaching.
by david99
Wed Aug 09, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 7013

Re: Time to leave our dentist??

I had a dentist tell me I needed two fillings. That seemed odd because I don't have a history of needing fillings and keep up with my dental care. So I went to another dentist for a checkup without any mention of what the other dentist said. That dentist didn't mention a need for fillings. I never ...
by david99
Fri Aug 04, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 27863

Re: A poll: How much money do you want to retire?

I feel poor, reading this thread :| ... - Ron A lot of people are going to retire with less than a million dollars in this country and they are going to be fine. My parents didn't have anywhere close to a million dollars and they were fine in retirement --- they enjoyed themselves with family and f...
by david99
Fri Aug 04, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 8241

Re: Study: Who Sold Stock During the 2008-9 Crash?

I sold and bought due to TLH. I also bought some stocks to re-balance.
by david99
Sat Jul 29, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4795

Re: Good Service for Flagship Investors

aristotelian wrote:People don't really post on message boards when they get good customer service.
I agree most people post on message boards when they have a complaint or want to vent.
by david99
Thu Jul 13, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6283

Re: $1368 for new shocks/struts on '05 Corolla?

Try getting an estimate on repairpal.com
by david99
Tue Jul 11, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4681

Re: Hundreds laid off at Fidelity

It looks like they want to keep more of their profits.
by david99
Wed Jul 05, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 12904

Re: What do you splurge on?

Travel, eating out, entertainment, and good quality gym.
by david99
Wed Jun 21, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 27
Views: 5427

Re: "Waiting for the Market to Crash is a Terrible Strategy"

You can go back to 2009 on the forum and read posts discouraging investing in lump sum, and promoting sitting on the sidelines because of valuations, etc. Hindsight seems to support those who weren't sitting. It's never been BH mainline thinking to discourage lump sum investing or to promote sideli...
by david99
Thu Jun 15, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 8684

Re: AAA Cost

I pay $82 per year for one person for AAA plus. I think it's worth it. I needed a tow last December at 10 pm --- there were no garages open. I suppose that I could use GEICO but with AAA plus I get towing for up to 100 miles. Don't sweat the small stuff.
by david99
Sun Jun 11, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Repairs - Whose to Pay?
Replies: 32
Views: 3609

Re: Rental Property Repairs - Whose to Pay?

I wouldn't charge for the carpet cleaning since that is normal wear but if the carpet cleaning company has to charge you extra to get the stains out then I would charge them for the extra charge.

The microwave should be prorated over the ten year period.
by david99
Sun Jun 11, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 3620

Re: 2004 LEXUS RX 330

I agree with the folks that say that you should aggressively pay off the Highlander and not buy the Lexus. Since Toyota is a good make, I would just keep it until the wheels fall off. It should be a good,reliable vehicle for many years. On the other hand the 2004 Lexus is going to have problems with...
by david99
Sat Jun 03, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 6169

Re: Is Flagship membership status worth a $50 [transaction] fee?

Flagship doesn't give you too much. We used to get free turbotax but they got rid of it. So I wouldn't bother.
by david99
Sun Apr 23, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 4597

Re: how much house can we afford? Boston area.

I think that we are in a real estate bubble in the Boston area. I wouldn't be in a hurry to buy. I would wait for the next recession and see how secure my job is before I buy. Not owning real estate has the advantage that it's easy to move if you lose your job.
by david99
Sat Apr 22, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: 2017 Mazda CX-5 vs. 2017 Honda CRV
Replies: 17
Views: 4428

Re: 2017 Mazda CX-5 vs. 2017 Honda CRV

We bought a used Grand Touring CX-5 two years ago. It had very low mileage (about 12k miles) and it's been a great car. Fun to drive and very reliable. We've only had to change the oil and recently it needed a new battery at about 30k miles.
by david99
Fri Apr 21, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 45234

Re: Larry Swedroe says "Goodby."

Larry,
Thanks for all your help. I greatly appreciated your advice and time spent on this site. Looking forward to reading your articles and books.
by david99
Tue Mar 21, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 6644

Re: Rule of Thumb for Getting Rid of Car

I think that it depends on your individual situation. Have you saved enough for retirement? Can you work from home if your car is in the shop for a day? How important is it for you to have a reliable car --- do you need to take the kids to daycare or visit an elderly parent every day?
by david99
Sat Mar 18, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7401

Re: Suspicious organic products

If you do a search on nutritionfacts.org you can find some useful videos on organic products.
by david99
Tue Mar 14, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 5386

Re: When should you replace a vehicle?

It's a tough decision. I have a 2000 Corolla with 95,000 miles on it. It runs well and everything works but I'm reluctant to take it on a long trip--- I've already had some minor problems on long trips such as the engine light coming on. And recently one of the brake lines rusted and I had to get to...
by david99
Thu Mar 09, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 7244

Re: Camry Redesign

dm200 wrote:The latest Consumer Reports is the annual auto buying issue. It has a page on models to possibly wait for.
Is the Camry on the Consumer Reports list of cars to wait for?
by david99
Sun Mar 05, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 7244

Re: Camry Redesign

You may want to wait until the 2018 Camry has been out for six months. After six months you can go on the Camry forums and see what kind of issues people are having. I'm also considering buying the 2018 Camry but I'll wait at least of few months to read some reviews ---- as long as my older car cont...
by david99
Sun Mar 05, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Older car getting dents and dings :(
Replies: 26
Views: 2608

Re: Older car getting dents and dings :(

The best part about having an older car is that you don't have to worry about dents and dings. I have a 2000 Corolla and I don't worry about minor dents and dings. I would worry if I had a new car and would be more protective.
by david99
Sun Feb 19, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 30004

Re: Wow, Vanguard Flagship service is bad. Really bad.

I've been with Vanguard for over ten years and I've never had a problem with their customer service.
by david99
Fri Feb 17, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 55
Views: 6785

Re: Stock Market Fears

I was thinking of going from 60/40 to 50/50 about a year ago because I thought that we were due for a recession. Now I'm glad that I didn't do that. I'm sure that we will get a crash but we just don't know when.