Search found 1005 matches

by htdrag11
Mon Feb 19, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2280

Re: Is window replacement this expensive?

I forgot to mention this old thread about Renewal by Andersen (RBA) .

viewtopic.php?t=135100

Here is another review on RBA.

https://thewindowdog.com/replacement-wi ... s-reviews/
by htdrag11
Mon Feb 19, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2280

Re: Is window replacement this expensive?

Here is another data point. I have one estimate to replace each Andersen sash at $425 each plus tax, 30" x 56". Have one replacement of Andersen casement window, 32" x 46" for $1,425 (including old one disposed). We live in a HCOL area. I'm still waiting for another estimate next week. It's difficul...
by htdrag11
Tue Feb 13, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1198

Re: What are the chances of corrected 1099s?

Just in case you didn't know: The 1099-B summary on the first page will ONLY show cost basis for covered shares. If you have any noncovered shares sold there will be a huge gap between the reported cost basis on the summary and what you will eventually report. If this doesn't apply to you, you can ...
by htdrag11
Mon Feb 12, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1198

Re: What are the chances of corrected 1099s?

Got mine today. However, my cost basis page downloaded from Vanguard and my 1099's cost were off by a whopping $80k. It's the 1st time I notice such a drastic difference. My Vanguard account is about 20 years old, so everything has been with Vanguard for a long time. None was transferred over. I'm n...
by htdrag11
Sun Feb 04, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice on my financial situation
Replies: 21
Views: 1368

Re: Need some advice on my financial situation

You're not late, plus you are helping your siblings, great karma. As for commuting, our daughter used to travel an hour and she hated the traffic. Her rent is a bit higher than yours, but she loves it (works from home in her new job). You are a bit aggressive on the international side, kind of like ...
by htdrag11
Sun Feb 04, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Objective Opinion on Proposed Portfolio
Replies: 15
Views: 631

Re: Objective Opinion on Proposed Portfolio

Welcome to the forum. Whether you will be getting social security is moot, given your expenses are low. Like most of the comments, you just need a 3-4 funds portfolio. I've no issue with ETFs as long as their expenses are the same or lower than their mutual funds counterparts since I personally do n...
by htdrag11
Sun Feb 04, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 60
Views: 5266

Re: Potential employer wants me to give offer - how to respond?

Check out glassdoor.com also. Give them a range, rather than a single number since there are so many variables, such as bonus, healthcare, 401k matching, internet, cellphone, RSUs, public transit fares, etc. Justify by doing a line item comparison from your current position to give yourself more cre...
by htdrag11
Sat Feb 03, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 37
Views: 2875

Re: New Subaru Outback vs. used Volvo XC-70

We have had 3 Subaru Outbacks and have loved each one. No major mechanical issues encountered during our ownership periods.... ( although I believe they had a head gasket problem in the 2005-2009 models) Our current Subaru is a 2014- has about 60,000 miles.....would buy another if needed. Not speci...
by htdrag11
Fri Feb 02, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Newbie
Replies: 17
Views: 1697

Re: Turbo Tax Newbie

I used to use Turbo Tax until 2014 (?) when they raised the price by a large percentage but has switch to H&R Block at a much lower cost.

No regrets.

GL.
by htdrag11
Tue Jan 30, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3531

Re: Should I join Linkedin?

Having a profile is just a small aspect. You need to work it behind the scene with real networking, or grow it with care, like a plant. Must have a headshot; people like to connect with a face, not a no-name. Emulate a profile with someone in your specialty to attract. Your 2-line summary are very k...
by htdrag11
Wed Jan 24, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Bogle Interview - “Uneasy lies the head that wears a crown”
Replies: 1
Views: 661

Bogle Interview - “Uneasy lies the head that wears a crown”

Henry the Fourth, Part II - The head that wears a crown is indexing’s 25% market share of mutual fund assets – that’s the true share, not including index funds used as trading vehicles – and that share continues to grow. It’s amazing. In case you missed Jack Bogle's interview by Laurence Siegel on ...
by htdrag11
Sun Jan 21, 2018 9:55 am
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 39
Views: 3445

Re: My daughter got her dream job

As parents, our greatest accomplishment never can compete with our children's, IMO. Congrats! Ours is a bit older than yours by about 10 years and she is in the Big Apple. Her T-IRA is in TSP while her taxable accounts are in Vanguard, managed by me! :sharebeer Yes, it is a safe forum to share and g...
by htdrag11
Sat Jan 20, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on 65 year old's portfolio
Replies: 19
Views: 2309

Re: Opinions on 65 year old's portfolio

Welcome to the forum! You're in great shape financially, well done. Your pension gives you a nice annuity income; leave it as it is. Agreed with David Jay and others that you might want to do some Roth Conversion from your 401k plan account (roll it over to a T-IRA and then to a Roth once you retire...
by htdrag11
Sat Jan 20, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4570

Re: New Brake Pads

Sounded about right for a local mechanic.

I had my front brakes on a 2012 Lexus RX done last year but had a Toyota dealer did the rear for about 10% more (convenience). However, I'm sure Lexus would charge at least $100 more to pay for the Starbucks and bagels.
by htdrag11
Sat Jan 20, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17325

Re: Save all this money, what do you splurge on?

I had seen 20 plus home theater projectors come and go in my house since 2002, but the last 4 years I decided to stay put with my JVC RS45 and a backup projector (about the price of replacing a lamp on the JVC). All my friends think that I'm nuts but then I do not drive the kind of chariots that the...
by htdrag11
Fri Jan 19, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3349
Views: 962664

Re: What Movie Have You Recently Watched?

Last Flag Flying, a dramedy by Carell, Cranston and Fishburne from Amazon. I enjoyed Steve Carrell as an actor and have not been disappointed. Politically it might not be everyone's cup of tea. As aside, the human drama and tragedy were handled rather delicately about the death of a son in the Iraq ...
by htdrag11
Thu Jan 18, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a change in asset allocation; tell me if I'm approaching this the right way
Replies: 13
Views: 1253

Re: Considering a change in asset allocation; tell me if I'm approaching this the right way

My bandwidths are within 5%. In such a volatile market, I had to rebalance last year.

Maybe even 2018.
by htdrag11
Wed Jan 17, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a change in asset allocation; tell me if I'm approaching this the right way
Replies: 13
Views: 1253

Re: Considering a change in asset allocation; tell me if I'm approaching this the right way

I've added about 5% international to my portfolio, but not as drastic as yours. If you're OK with your changed IPS and could sleep easy, it's your call. At your age, you are more adventurous. The more mature one is, the more conservative one gets. I've migrated to a much less aggressive portfolio my...
by htdrag11
Wed Jan 17, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5109

Re: Friend Got Laid Off - Advice Needed

Create or edit his LinkedIn profile; add a picture if he did not have one. Network as much as he can, such as associations, churches/synagogues, chamber of commerce, ex-colleagues, alumni, etc. It takes roughly a month for every $10,000 in salary to land a job, so don't be surprise that it might tak...
by htdrag11
Sun Jan 14, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4894

Re: Nostalgic about old online brokerages that no longer exist

My most interesting account in terms of name changes, was my Roth IRA that I initially opened with a new online broker called DLJ Direct (the online branch of defunct investment bank Donaldson Lufkin Jenrette), which then became CSFB Direct (Credit Suisse First Boston Direct), then Harris Direct, t...
by htdrag11
Sat Jan 13, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 2935

Re: Best Movies of 2017

Justice League
Logan (not the same as Logan Lucky)
Spider-Man: Homecoming
Wonder Woman
by htdrag11
Wed Jan 10, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4152

Re: Men's no iron dress shirt recommendations

Another one for LL Bean. I just bought a no-iron gingham dress shirt for under $20. The solids are around $15. Their sales are very good but you have to have patience.
by htdrag11
Mon Jan 08, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20114

Re: Anyone disenchanted with retirement?

This post is not for me. I still have over 2 decades to retire. Only wanted to get something out. I am sick of the rat race! I want to get out of it as soon as possible! My job is not stressful, commuting is relatively short, my boss is nice, I work on spreadsheets and I love spreadsheets! But man,...
by htdrag11
Mon Jan 08, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20114

Re: Anyone disenchanted with retirement?

On and off retirement since 2011. Went back to consulting for only 10 months (was suppose to be 6). They asked again last year but I declined. Love my own schedule: volunteer one day per week (Paying It Forward) and plenty of exercises 3 days/week to stay fit. Wake up when I want to. There is no mor...
by htdrag11
Sun Jan 07, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Which advisor?
Replies: 5
Views: 377

Re: Which advisor?

OP, I'm one of the converts here and now happily managing my own. From my experience with 3 different advisors, my impression is that they are all investment managers, not financial planners. However, they do have access to other partners who are either "free" or charge separate fees. No one really ...
by htdrag11
Mon Jan 01, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 7
Views: 651

Re: Asset Allocation

AA is analogous to cooking recipe. DW likes her cake with 25 grams of sugar but I prefer 35. I've retired for about 3 years. Before the summer, it was at 68-32. After the summer, I abruptly moved it to 52-48.

I've been sleeping very well. My SWR is under 3%. YMMV.

GL.
by htdrag11
Sun Dec 31, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 4826

Re: Two-comma club just in time for the New Year, and thank you

Congratulations!

You did the hard part, so now you should able to cruise like us when we hit the 2 comma-club also in our 40's. Compounding does wonder when you have positive net worth.

Stay the course and ignore the noise.
by htdrag11
Sat Dec 30, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 8692

Re: Putting in a Word About Tea - brands, types, etc.

PG Tips is my daily tea. But I will try out some of the suggestions on this thread. DW's favorite for breakfast - however, quality from Amazon seemed to suffer lately. Maybe the price is too cheap? It's like 4 cents/bag. I'm a coffee drinker but do like Chinese Lychee Red Tea since I always by fres...
by htdrag11
Sat Dec 30, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Can't reach Vanguard site with VPN on
Replies: 14
Views: 1074

Re: Can't reach Vanguard site with VPN on

I also use PIA. Logging onto Vanguard is a hit or miss, so I tried different regions. I do not have similar problem with TD Ameritrade, credit cards or Wells Fargo.
by htdrag11
Sat Dec 30, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Driver without insurance - NJ
Replies: 15
Views: 1252

Re: Driver without insurance - NJ

So, she does not own a car herself? She lives in a nearby state (without a car) - and visits you for a few days at a time about once a month and will, occasionally, drive your car? What does her drivers licence expiration have anything to do with this? I assume she has a current drivers license in ...
by htdrag11
Sat Dec 30, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Driver without insurance - NJ
Replies: 15
Views: 1252

Re: Driver without insurance - NJ

As I recall from my Business Law class 50 years ago, under the law of agency, what the agent knows or is told is assumed to be known to the principal. So, if you have advised the agent in writing that your daughter is residing at home, and he advised not to add to policy as part-time operator, he i...
by htdrag11
Fri Dec 29, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Driver without insurance - NJ
Replies: 15
Views: 1252

Re: Driver without insurance - NJ

Yes. I need it in writing from NJM, or she will need to get something on her own. Obviously the easiest is not for her to drive. However, we live in the 'burb.
by htdrag11
Fri Dec 29, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Driver without insurance - NJ
Replies: 15
Views: 1252

Re: Driver without insurance - NJ

She is not in the policy. Under the line "Uninsured Motorist" stated $300k/accident. My liability is $500k/accident.
by htdrag11
Fri Dec 29, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Driver without insurance - NJ
Replies: 15
Views: 1252

Driver without insurance - NJ

Daughter will be coming home about once a month. We've comprehensive with NJM insurance, as well as a $2M umbrella policy. When I told the agent that she will be an occasional driver, she said that there is no need to add her to our policy since she does not live with us. What are her options? Her o...
by htdrag11
Fri Dec 22, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2037

Re: Recommend me a good laser printer for a chromebook!

I bought a refurbished Brother monochrome printer for about $99 2 years ago: https://www.amazon.com/Brother-MFCL2700DW-Wireless-Networking-Replenishment/dp/B00MFG58N6/ref=sr_1_9?s=office-products&ie=UTF8&qid=1513991124&sr=1-9&keywords=brother+laser+printer Setting up with the Chromebook was not as e...
by htdrag11
Thu Dec 21, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11199

Re: Any Instant Pot users here?

DW has cooked eggs, spare ribs, short ribs, whole chicken, making broth, etc. since last Thanksgiving. It is well used, especially eggs on a weekly basis, cheap, healthy and fast protein.
by htdrag11
Tue Dec 12, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3349
Views: 962664

Re: What Movie Have You Recently Watched?

The Great Silence is a different kind of spaghetti western that made a mockery of our traditional Hollywood ending. It's even better than Django (1966) by the same director, Sergio Corbucci. The soundtrack was from the famed Ennio Morricone. Klaus Kinski never disappoints as the evil bounty hunter. ...
by htdrag11
Sat Dec 09, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 6342

Re: Does this happen to you? Educating friends about personal finance

What do you do if your prospective son or daughter in law is an FA at Edward Jones or Ameriprise? (hypothetical situation) Ask them where the customers yachts are and see if they know what I mean by that. :happy Most people drew a blank when I said about the yachts. If people are happy with their F...
by htdrag11
Sat Dec 09, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 6342

Re: Does this happen to you? Educating friends about personal finance

At my age, children of my friends asked me for financial advice. As most of us pointed out, advice only when asked for, and knowing when to shut up to keep the friendship. :sharebeer
by htdrag11
Wed Dec 06, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 4727

Re: Are plasma TV's gone forever?

Plasma is like the old Betamax, great technology but gone. LCD/LED is like VHS, an inferior product that gained wide acceptance.

OLED is definitely better. For sports fans, nothing beats a 10' projector screen with less judder, or a still working plasma.
by htdrag11
Wed Dec 06, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 2976

Re: Work from Home Jobs

Try the IBM website. Lots of IBM folks work from home.
by htdrag11
Sat Nov 25, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 7208

Re: Any BLACK FRIDAY deals for Bogleheads?

Bought DW a Dyson V7 Animal from Costco online for $120 off and got it today already. It's much more powerful than the old one that we gave away. What a sucker! :twisted:
by htdrag11
Fri Nov 24, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2774

Re: Honda CR-V vs Subaru Outback

Is anybody reading the recent posts about the Subaru windshield issues (breaking easily when Eye-Sight option installed). Something with that windshield is making them much more vulnerable to rock damage (breaking them). :thumbsdown Based on this thread, guess not. https://www.bogleheads.org/forum/...
by htdrag11
Wed Nov 22, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4606

Re: Public or Montessori Private School

It depends. Obviously if you have the means, do it. Our daughter went to Montessori for 3 years until we moved. Next town also has a Montessori, but financially we opted to go public; it was like $6k 30 years ago. It was a step backward for her; she regressed to the "norm". The good thing was she wa...
by htdrag11
Wed Nov 22, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2774

Re: Honda CR-V vs Subaru Outback

Before deciding on the '18 Outback Limited 2.5i fully loaded (LED swivel when turning corners), I had test drove the 2017 CR-V as well as Forester, CX-5 and Tuscon, coming from a 12 RX350. The deciding factor for me is price, the 18 Outback Limited is less than the 17 CR-V EX-L, $365 for 36-month vs...
by htdrag11
Wed Nov 22, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Help:w holiday gift: Tv or cheap laptop to watch movies with these requirements
Replies: 14
Views: 741

Re: Help:w holiday gift: Tv or cheap laptop to watch movies with these requirements

I would get the TCL Roku TV recommended by the Wirecutter: https://thewirecutter.com/reviews/best-small-tv/ It has a Roku built in so you won't need to buy a stick. Roku supports nearly all streaming services. TCL is a good choice for the money. For laptop, you could get a used Toshiba Chromebook 2...
by htdrag11
Fri Nov 17, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4784

Re: Replace TVs with Smart Tvs or not?

The short answer, get a streamer. Like you, I'm a plasma fan (well, actually it's my backup - my main are a LCoS projector and a DLP pj). I did not find Smart TV as smart. Our daughter just got a used plasma last month, connecting to a Roku. My plasma is connecting to both an Android box and an olde...
by htdrag11
Fri Nov 17, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1678

Re: Is dent repair service worth it?

IMO, you'll get killed with trade-in; I would not sink any more money to repair the dent.

In my heavily populated area, I would sell it at KBB's trade-in price rather than trading the car in to dealers, based on past experience. :oops: Now I just lease.

GL
by htdrag11
Wed Nov 15, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: New TV for Father
Replies: 22
Views: 1847

Re: New TV for Father

My dad just got his first OLED (plasma guy in past) and is very disappointed with picture. Could need some tuning but to my eye it looked off as well. Not as sharp. For sports viewing, you can't beat plasma in the area of motion judder; it's OLED's Achilles' heel. I'm fine with my smallish 52" plas...