Search found 600 matches

by exoilman
Sun Jul 17, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: have we reached the tipping point in the active vs. passive battle
Replies: 43
Views: 4615

Re: have we reached the tipping point in the active vs. passive battle

Larry wrote : The markets keep teaching us that while active management does provide for the possibility of market-beating performance, the much greater likelihood is underperformance. This is also true of a herd run on the S&P500 in my opinion. We are experiencing an S&P stampede very simi...
by exoilman
Wed Jul 13, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Mac Computer
Replies: 21
Views: 1532

Mac Computer

Hello all tech types,

I trade with Fidelity and they use Microsoft for the trading platform. If I buy a Mac, is there a program that I can buy for the mac that will allow trading that Fido uses.

Thanks
Sam
by exoilman
Tue Jul 05, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Delivered ingredients for meal preparation
Replies: 11
Views: 1250

Delivered ingredients for meal preparation

We are considering a three meal weekly program. We will try Blue Apron and go from there. Anyone here have experience with any program?

http://observer.com/2016/01/we-tried-bl ... -the-best/

Thanks
Sam
by exoilman
Sat Jul 02, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Why is everyone up in arms about Costco's credit transition?
Replies: 65
Views: 5432

Re: Why is everyone up in arms about Costco's credit transition?

Munir wrote:
unclescrooge wrote:
miamivice wrote:Or is this just media hype?


This is the media making moutains out of molehills because we're a nation of Kardashian-watching morons and don't really care about real news anymore.


+1.


+1
by exoilman
Wed Jun 29, 2016 8:06 am
Forum: Investing - Help with Personal Investments
Topic: NJ Muni bonds
Replies: 11
Views: 824

Re: NJ Muni bonds

Thanks again for the advice/info. I will check with Fidelity also because I keep all my taxable there. Vanguard all tax deferred. If there is a large difference in expenses I will move the appropriate amount there.

Sam
by exoilman
Tue Jun 28, 2016 8:30 am
Forum: Investing - Help with Personal Investments
Topic: NJ Muni bonds
Replies: 11
Views: 824

Re: NJ Muni bonds

Thanks for the fund recommendation. What about individual NJ muni's?

Sam
by exoilman
Sun Jun 26, 2016 10:37 am
Forum: Investing - Help with Personal Investments
Topic: NJ Muni bonds
Replies: 11
Views: 824

NJ Muni bonds

Any recommendations for high quality NJ munis?

Thanks
Sam
by exoilman
Fri May 20, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1811

Re: Pride in no inheritance to kids?

We are in the camp of helping currently as well as leaving some inheritance. As boomers we were able to pick essentially what company to work for in the sixties. We consider that good fortune and don't see the same opportunities today for children and grandchildren. I worked for Exxon and their pens...
by exoilman
Sat Apr 16, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 4085

Re: Meeting with a Fidelity Financial planner, is it useful?

We have a brick and mortar Fidelity office on the other side of town (about 30 minute drive). I meet with one of their reps once or twice a year. I've found two primary advantages: a) A second set of eyes on my long term financial plan with some free advice (usually just things I should consider or...
by exoilman
Sat Apr 16, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 4085

Re: Meeting with a Fidelity Financial planner, is it useful?

I have most of my money with Fidelity and I have an account manager who does not charge me anything. I have been very happy with them. Having said that, however, Fidelity does offer fee based services. I would just have the conversation with the rep and see what he has to say. Fidelity has some gre...
by exoilman
Thu Mar 24, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Leasing new car
Replies: 12
Views: 995

Re: Leasing new car

I recently posted for buying a new car. Now I am thinking leasing. I am 72 and DW 66 and now thinking might be better to have a replacement every 3 years. The most mileage per year will be less than 10K. Are any folks here doing this? The car we will be buying is ~ 50K and would be bought with cash...
by exoilman
Thu Mar 24, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Leasing new car
Replies: 12
Views: 995

Re: Leasing new car

I recently posted for buying a new car. Now I am thinking leasing. I am 72 and DW 66 and now thinking might be better to have a replacement every 3 years. The most mileage per year will be less than 10K. Are any folks here doing this? The car we will be buying is ~ 50K and would be bought with cash...
by exoilman
Thu Mar 24, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Leasing new car
Replies: 12
Views: 995

Leasing new car

I recently posted for buying a new car. Now I am thinking leasing. I am 72 and DW 66 and now thinking might be better to have a replacement every 3 years. The most mileage per year will be less than 10K. Are any folks here doing this? The car we will be buying is ~ 50K and would be bought with cash ...
by exoilman
Sun Mar 20, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new car
Replies: 56
Views: 6956

Buying a new car

I will be buying a new car soon without a trade in. I would appreciate any tips for getting best price. I don't like to haggle and will pay cash for new car.

thanks
Sam
by exoilman
Sun Mar 20, 2016 6:58 am
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1588

Re: giving car to child

I am familiar with gifting. Yes I am married and the car has a trade in of ~ 17k or private ~18k. We live in NJ so what I need to know when I sign the bill of sale my child will register in their name. I am guessing that they ask the price? What record keeping will I need if any? As mentioned, you ...
by exoilman
Sat Mar 19, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1588

Re: giving car to child

My child is 42, married with 2 children and lives in own home. I don't think this applies here. Sam Does your child also live in New Jersey? The link I Googled and posted is for a car transferred to someone in New Jersey. If your child lives in another state you will need to research the law in tha...
by exoilman
Sat Mar 19, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1588

Re: giving car to child

Just FYI, I'm not a lawyer but it would be good to check to see if they are in a serious accident if it is possible that you can still be sued even if the car is in the kids name. I'm not sure how successful it would be but I recall seeing articles about parents being sued after putting cars in kid...
by exoilman
Sat Mar 19, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1588

Re: giving car to child

The law on sales tax differs by state. This is something you could Google for yourself, but I just Googled it for you. Here is the link for New Jersey: http://www.state.nj.us/mvc/Vehicle/VehiclesExempt.htm See Exemption #6 at that link. You must enter "GIFT" as the price on the form when ...
by exoilman
Sat Mar 19, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1588

Re: giving car to child

I am familiar with gifting. Yes I am married and the car has a trade in of ~ 17k or private ~18k. We live in NJ so what I need to know when I sign the bill of sale my child will register in their name. I am guessing that they ask the price? What record keeping will I need if any?

Thanks Again

Sam
by exoilman
Fri Mar 18, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: giving car to child
Replies: 12
Views: 1588

giving car to child

I am giving our car to one of our children. It's value is ~ 20k. Do I report as a gift or what do I do?

Thanks
Sam
by exoilman
Wed Mar 02, 2016 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why not take dividend income in taxable account
Replies: 7
Views: 1311

Why not take dividend income in taxable account

Investing in quality companies such as XOM, GE, PEP that pay ~3% allows for 15% tax versus 28-35% Income tax. The difference can the be invested in many stocks like this. Is my thinking flawed?

Thanks
Sam
by exoilman
Mon Feb 08, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Go Pro camera
Replies: 7
Views: 768

Re: Go Pro camera

Nope. Very easy. The difficulty would lie in doing quality edits of your videos--learning curve that I've really not felt like mastering yet! (You mention "least expensive one," which might refer to the new ice-cube sized one? If so, ignore my response, as my experience is with the cigare...
by exoilman
Mon Feb 08, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Go Pro camera
Replies: 7
Views: 768

Go Pro camera

I want to buy the least expensive one to record some things. Is it complicated to put on a disc for future playback?

Thanks
Sam
by exoilman
Sun Jan 31, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning advice?
Replies: 34
Views: 4497

Re: Estate planning advice?

reference
by exoilman
Sat Jan 02, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 3486

Re: Vacuum for hardwood

reference
by exoilman
Wed Dec 09, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Roomba
Replies: 8
Views: 1144

Re: Roomba

Globalviewer58 wrote:A recent thread: viewtopic.php?t=169853

We have 2 of the 780 models and I recommend you compare features to ensure you buy the right model for your needs.


thanks
by exoilman
Mon Dec 07, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Roomba
Replies: 8
Views: 1144

Roomba

Do they work well enough to pay the price? Many models also.

Sam
by exoilman
Thu Dec 03, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Ring.com
Replies: 0
Views: 333

Ring.com

Any Bogleheads using Ring.com front door bell with camera that connects to I Phone. Pros and Cons please

thanks
Sam
by exoilman
Sat Nov 28, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: How do high earners get rid of their junk?
Replies: 59
Views: 9917

Re: How do high earners get rid of their junk?

Tycoon wrote:We give our stuff away. And many times it's not reached junk status yet.


Same here. Our handyman and house cleaner get first dibs.
by exoilman
Sat Nov 21, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Upgrade
Replies: 5
Views: 1569

Re: Vanguard Upgrade

. Exoilman, Please see: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=148317 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=143847 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=130133 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=137123 https://www.bogl...
by exoilman
Sat Nov 21, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Upgrade
Replies: 5
Views: 1569

Vanguard Upgrade

For those with Vanguard accounts and upgraded. Are there any problems or is it a smooth transition?

Thanks
Sam
by exoilman
Wed Nov 04, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: 1035 exchange
Replies: 0
Views: 492

1035 exchange

My wife inherited a large non-qualified annuity from her aunt. She is 66 and we don't foresee needing this for ~ 10 years. We are conservative and a 2% five year fixed seems ok. We would then assess new opportunities. After more thought we are thinking perhaps adding a market index portion. The ques...
by exoilman
Sat Oct 24, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: "Bogle: Tough Decade Ahead for Equity Investors"
Replies: 135
Views: 15773

Re: "Bogle: Tough Decade Ahead for Equity Investors"

Index Fan wrote:
Big Dog wrote:of course, one could argue that it will also be a tough decade for bond investors....interest rates can only go up....


One could argue that, though people said that 5 years ago and those that ignored them made some money in bonds.


+1
by exoilman
Fri Oct 23, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 13706

Re: Guilty pleasures?

Kazper: My "guilty pleasure" is overtipping. During much of my life, raising three children, we could not afford more than the customary tip--even when service was excellent. In recent years (thanks to Jack Bogle) I can afford to give a large tip when I receive above-average service. It g...
by exoilman
Wed Oct 14, 2015 2:57 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's AA now at 50/50
Replies: 45
Views: 6404

Re: Jack Bogle's AA now at 50/50

oc4boxer wrote:
"I just like the idea of having an anchor to the windward," said Bogle, who is 86. "I'm not so much worried about having my estate grow."


Yep.


+Yep
by exoilman
Tue Sep 29, 2015 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Take a mortgage on new home?
Replies: 6
Views: 1021

Take a mortgage on new home?

We are selling our current home and moving to new one. I am soon to be 72 and wife is 66. The new home is ~ 650K and old one will sell ~ 500K. We are in the 33% tax bracket and NJ 6%. Our accountant recommends we take a mtg. ARM? or 20 - 30 year. Our annual income is > 280K. Any opinions? Thanks Sam
by exoilman
Fri Jul 31, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 12756

Re: Retirees: Questions you hate being asked

Since I've been retired a few years now, sometimes I get asked questions that I don't understand or that annoy me. Was wondering if there are questions that you dislike, don't understand or feel are off limits. My pet peeve is: "what do you do all day?" 12 years retired (71) and still ask...
by exoilman
Wed May 20, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: Selling old 14k jewelry
Replies: 15
Views: 1506

Re: Selling old 14k jewelry

Where in NJ might I find a better price?

Sam
by exoilman
Wed May 20, 2015 7:10 am
Forum: Personal Consumer Issues
Topic: Selling old 14k jewelry
Replies: 15
Views: 1506

Re: Selling old 14k jewelry

The spot price was calculated for 14k gold, then they offered 55% of that amount. So the question is was that high?

Thanks again,
Sam
by exoilman
Tue May 19, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Selling old 14k jewelry
Replies: 15
Views: 1506

Selling old 14k jewelry

How much should I expect to receive for 14 K gold? The first place I brought it to offered 55% of todays spot price. Is this the right amount?

Thanks,
Sam
by exoilman
Fri May 15, 2015 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Form 709 cost
Replies: 4
Views: 559

Re: Form 709 cost

Thanks

Sam
by exoilman
Thu May 14, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Form 709 cost
Replies: 4
Views: 559

Form 709 cost

How much should a form 709 cost (approximate) when done by CPA? My wife's friend paid $575, it seems a lot for a few pages of forms.

thanks
Sam
by exoilman
Mon Apr 27, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees who lease auto
Replies: 15
Views: 2268

Re: Retirees who lease auto

I am thinking for 2 or 3 year lease of my next car. My reason is at age 71 no more sell or trade in and less hassle. The mileage would be <10K/yr. Is the cost difference worth it? The car would be in the 45K range. Thanks Sam Thanks for the thoughtful replies. I should have said that the minimum I ...
by exoilman
Sun Apr 26, 2015 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Retirees who lease auto
Replies: 15
Views: 2268

Retirees who lease auto

I am thinking for 2 or 3 year lease of my next car. My reason is at age 71 no more sell or trade in and less hassle. The mileage would be <10K/yr. Is the cost difference worth it? The car would be in the 45K range.

Thanks
Sam

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