Search found 324 matches

by invst65
Fri Sep 08, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23398

Re: Name something you had to have and now you regret purchasing it?

This is an easy one for me right now. My round trip airfare from Tampa->Hawaii->Australia set to leave in 8 days on Sat. Sept 16. Don't know if the Tampa airport will even be open once Irma passes through.
by invst65
Wed Sep 06, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12537

Re: Florida Hurricanes: When and where to go?

One thing I'm pretty sure of is that I wouldn't have evacuated right into the eye of the hurricane and lost my RV like I did in 2004 with Charley if I had what I have today. That would be an android cell phone with weather tracking apps (assuming those are going to keep working). The problem with ev...
by invst65
Wed Sep 06, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12537

Re: Florida Hurricanes: When and where to go?

Oh, and gas stations in Central Florida are running out of gas. Same here in Pinellas county (Tampa Bay) on the west coast. I'm retired and my wife works so I don't keep a close eye on the gas situation in our two cars. Thought one was full not realizing my wife had been driving it to work. When I ...
by invst65
Wed Sep 06, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12537

Re: Florida Hurricanes: When and where to go?

In terms of evacuation, only evacuate if you are in the highest risk areas (right on the coast, mobile home etc.). Trying to guess even 3 days out exactly where a hurricane will hit is almost impossible. In other words, you could end up evacuating into more danger. Like evacuating from Tampa to Orl...
by invst65
Wed Sep 06, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2326

Re: Wine in laptop

aristotelian wrote:
Tue Sep 05, 2017 11:20 pm
Don't drink and type.
Say what? I write my best forum posts doing that.
by invst65
Mon Sep 04, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2287

Re: How long do cars last these days (electronics)

So all of you who are kindly replying with the longevity of your very old cars are, like me, happy that they have lasted so long. My question, though, is, when I buy a new car, will the crazy electronics like backup cameras, weird dash displays, automated mirrors, etc, mostly unwanted but not optio...
by invst65
Mon Sep 04, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2287

Re: How long do cars last these days (electronics)

I'm driving cars that are 11 and 12 years old and I'm amazed at how well modern cars hold up with only routine maintenance and fairly minor repairs. I never even had a warranty repair on either one of them. They don't have a lot of electronic gadgetry like my stepsons's car and he did have to have s...
by invst65
Wed Aug 30, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8030

Re: Relative angry I will not co-sign

I co-signed a car loan for my stepson because it was the only way he was going to be able to get the car and he had proven to be a responsible kid. The loan was paid off earlier this year and he never missed a payment. I would never do the same thing for any of my own kids however, sad to say. One t...
by invst65
Wed Aug 30, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMD
Replies: 9
Views: 791

Re: Preparing for RMD

Interesting question because I have to start in 2019. For those who said you have the distribution taken evenly from existing funds, does the broker do this automatically for you or do you have to liquidate the assets yourself (I'm with Fidelity). Hard to see how this would work for me because I hav...
by invst65
Sun Aug 27, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: mold problem in bathroom --advice?
Replies: 18
Views: 1922

Re: mold problem in bathroom --advice?

Tilex never worked for me at all. Finally went to foaming Clorox and it has worked wonders. Like you said with Tilex, just spray it on, wait a while, and rinse it off.
by invst65
Sun Aug 27, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Move Fidelity ROTH to Vanguard?
Replies: 15
Views: 1192

Re: Move Fidelity ROTH to Vanguard?

I moved both of our ROTH accounts from Fidelity to Vanguard. I did it for two reasons. 1.) It cost $75 to buy the Vanguard funds I wanted to invest in from Fidelity. 2.) Institutional Diversity - don't like having all my eggs in one basket.
by invst65
Thu Aug 24, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31159

Re: What to do when a parent's money runs out?

Could be close to this situation myself with my mother being 97 and in an assisted living facility. Went through the same thing with my Dad a few years ago before he died with an alarming amount of money being drained in the last couple of years of life just to try to stretch it out as long as possi...
by invst65
Thu Aug 24, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8367

Re: Little P**S Ants

I live in Florida and I'm having a problem with these little tiny P**S ants all over the place. Sitting here in front of my computer they are running all over my desk and even up onto my keyboard and monitor as I type. I put down terro ant killer and that got rid of them for a while but then they w...
by invst65
Thu Aug 24, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4145

Re: Experience finding gas pump card skimmer?

Got hit with several thousand dollars worth of gas charges on my American Express card a couple of years ago. The only hint I got that it was happening was when I got declined for a legitimate purchase and called to find out why. So we had to to go through about a hundred transactions at gas station...
by invst65
Fri Aug 18, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1565

Re: How do you know how much your portfolio lost/gain in one day?

With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny... With all due respect, you may choose to reserve the term "loss" for a realized loss but that does not mean everyone else will be using it likewise. OP asked about "how much your portfolio lost/gai...
by invst65
Fri Aug 18, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1565

Re: How do you know how much your portfolio lost/gain in one day?

Youngblood wrote:
Fri Aug 18, 2017 3:04 pm
invst65 wrote:
Fri Aug 18, 2017 2:49 pm
With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny. Unless they actually made a stupid decision to lock in the losses, that is.
Unless whatever they sold keeps going down by a lot more.
Sorry, that doesn't compute. Think about it.
by invst65
Fri Aug 18, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8367

Re: Little P**S Ants

Thanks for all the good information. It is the rainy season here in Florida and as someone suggested that might have something to do with it but I've never had this problem before. The little grey ants really like the TERRO ant killer and it's amazing to watch hundreds of them all line up in a circl...
by invst65
Fri Aug 18, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1565

Re: How do you know how much your portfolio lost/gain in one day?

With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny. Unless they actually made a stupid decision to lock in the losses, that is. Reminds me of my Dad who was a WWII vet and learned everything he knew about the stock market from the crash of 29. Every t...
by invst65
Thu Aug 17, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8367

Little P**S Ants

I live in Florida and I'm having a problem with these little tiny P**S ants all over the place. Sitting here in front of my computer they are running all over my desk and even up onto my keyboard and monitor as I type. I put down terro ant killer and that got rid of them for a while but then they we...
by invst65
Sun Aug 13, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1761

Re: Tub/shower/bath cleaners...your recommended products?

In Florida, the bigger problem is mildew. After trying many things I've found that a foaming Clorox spray used about once a week eliminates it, even from the shower curtain. Don't even have to scrub.
by invst65
Fri Aug 11, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4473

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

If I'm understanding this right (and I'm probably not since I'm an idiot and someone can correct me - wouldn't be the first time), your RMD is fixed at the end of the year based on the value of your portfolio and the distribution tables. So if the value of your IRA will continue to grow through the ...
by invst65
Fri Aug 11, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3856

Re: How to not obsess over investments?

Do any of you have any methods you've used that helped you get away from checking and obsessing over this, or is it just something you have to discipline yourself to not do? I always found that the best cure for looking constantly was a good, old-fashioned, total blood bath, market crash. When you ...
by invst65
Fri Aug 11, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?
Replies: 35
Views: 3974

Re: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?

I've never changed plans during market downturns or rumors of downturns or any extreme event. I've always thought that was probably one of the worse mistakes you can make. Like making major decisions after the death of a spouse. After the dust has settled following a recovery I do ask myself if I ha...
by invst65
Thu Aug 10, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1882

Re: Best at Home Safe

Perhaps a decoy safe is worthwhile .... You know, a real safe with nothing in it, except maybe some cheap bricks or paving stones. I second that suggestion. I don't have one yet but I'm considering it. I mean, if a thief breaks into your home while you are away and sees a safe and can pick it up an...
by invst65
Thu Aug 10, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1882

Re: Best at Home Safe

Perhaps a decoy safe is worthwhile .... You know, a real safe with nothing in it, except maybe some cheap bricks or paving stones. I second that suggestion. I don't have one yet but I'm considering it. I mean, if a thief breaks into your home while you are away and sees a safe and can pick it up an...
by invst65
Thu Aug 10, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 2831

Re: Buy EZ Pass transponder for road trip?

...I believe there is a federal law mandating that all of the states accept each other's electronic passes and as far as I know Florida is in compliance but it's really a pain in the a** when others aren't. As mentioned in an earlier post in this thread, states seem to be ignoring that mandate sinc...
by invst65
Thu Aug 10, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for my Wife - Introductory Post & First Question
Replies: 23
Views: 3111

Re: Planning for my Wife - Introductory Post & First Question

My wife pays no attention to finances and I've never been able to interest her very much. So, I keep enough money in the checking account and set up automatic billpay on all the bills I can (everything but property tax and homeowner's insurance basically), so she has at least 3 months to figure it a...
by invst65
Thu Aug 10, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 2831

Re: Buy EZ Pass transponder for road trip?

Pennsylvania is slowly starting to roll over to the system as well. The 376 toll road no longer takes cash, at least at the northern entry, and that will begin to be the case across the state. Get the ez pass and keep it simple. After following my GPS to the Pennsylvania turnpike I was shocked to d...
by invst65
Thu Aug 10, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6509

Re: What Percentage CASH are you?

20% using Golden Butterfly portfolio, a variant of the Permanent Portfolio which calls for 25%. Since I'm retired one year and waiting a couple of years to maximize SS I feel very comfortable having that amount in cash. Wish it was earning more but if it was, my long bonds would probably be worth le...
by invst65
Mon Aug 07, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 2450

Re: Acadia National Park: Bar Harbor, Maine

As the internet will show you, you can get better rates the farther you stay from downtown Bar Harbor. So you think, okay, I can just drive a few miles into town and save a lot of money. If you're like me and my wife you'll decide that was a big mistake after the first night. The hotels on the outsk...
by invst65
Mon Aug 07, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Question on 3-4% drawdown for retirement
Replies: 47
Views: 2968

Re: Question on 3-4% drawdown for retirement

Correct me if I'm wrong but it sounds to me like you are discounting growth in assets beyond dividends. If the stock market goes up 20% one year but the dividends are still only 2% does that mean you only get the 2% dividend? Or do you have a strategy in place to capture the growth?
by invst65
Wed Aug 02, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 23834

Re: How much money do you need to retire?

Need or Want? Retired last year at age 67 with $1M but younger wife still working. It's meeting our needs just fine even while I'm delaying SS until 70. But it would have been nice to have about another $.5 M just to be able to do more fun things. Could probably do those things any way but I wouldn'...
by invst65
Tue Jul 25, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 18283

Re: How are folks handling the unprecedented rise in the market ?

I use the permanent portfolio so I don't give much thought to whether any of the assets (stocks,bonds,gold,cash) are overvalued. Except for cash, I've seen that happen to all of them from time to time. If I'm overweight in stocks at re-balance time I'll be selling some off and buying the other assets.
by invst65
Thu Jul 20, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra Benefits question
Replies: 6
Views: 530

Re: Cobra Benefits question

"Under COBRA, if you voluntarily resign from a job or are terminated for any reason other than "gross misconduct" you are guaranteed the right to continue your former employer's group plan as individual or family health care coverage for up to 18 months, at your own expense." http://www.cobrainsura...
by invst65
Thu Jul 20, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 12345

Re: Books not to read.

I wouldn't include Millionaire Next Door on a "not to read" list but I do think it's overrated. I found it to be the kind of book where the point of the story could actually be made in a couple of pages or so, but the author has to fill a whole book with something so you get lots of anecdotes sayin...
by invst65
Fri Jul 14, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Work Discount Stock Purchase Plan - When to Sell
Replies: 15
Views: 849

Re: Work Discount Stock Purchase Plan - When to Sell

I think this depends on your overall portfolio. If it's just a small portion of your stock allocation and the company is in good shape, then I see nothing wrong with holding it. I used to hold at least some of mine for a year so I could get the lower capital gains rate. If it's a big chunk of money ...
by invst65
Fri Jul 14, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 5178

Re: When to max out 401k (Aspiring Early Retiree)

amd7239 wrote:My goal is to retire at 50.

I am almost 27 years old ..... I live with my parents ....

Can I make my goal?
Let me put it this way .... If you were a stock you might be attractive to short-sellers.
by invst65
Fri Jul 14, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 7032

Re: Shopping for first bike since I was a kid

Make sure you are able to take it for a test ride. Which means don't buy it a store like Dick's Sporting Goods. Their policy is once it goes out the door you can't take it back. I put that policy to the test after buying a Schwinn for my wife that looked good and felt good to sit on but as soon as s...
by invst65
Tue Jul 11, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity with multiple 401Ks?
Replies: 2
Views: 279

Re: Fidelity with multiple 401Ks?

Yes, I have multiple 401K accounts on Fidelity but I have the opposite problem you have. They are from old employers, long since rolled over into my own IRA but they still show up when I log on and I don't know how to make them go away.
by invst65
Wed Jul 05, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: 59 1/2 yo Question
Replies: 8
Views: 662

Re: 59 1/2 yo Question

I turned 59 1/2 last month and I'm wondering if I should transfer my 401k and company DC plan into a self directed IRA. My DC plan is currently being managed by Financial Engines for .25%. Is transferring my 401k and DC plan into a self directed IRA a must do, a should do or it's not going to make ...
by invst65
Wed Jul 05, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14175

Re: Are you finding any good values at Amazon anymore?

I still find good deals but one thing I've been noticing as a Prime Member is that "free shipping" isn't as free as it pretends to be. This becomes obvious when I can buy the same item at Walmart for the same price minus the cost of shipping. I think what "free shipping" really means is that shippin...
by invst65
Tue Jul 04, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14049

Re: Bogleheads: you should be buying 10-year old cars

Modern cars can easily do 150K without major problems (unless you get a low quality brand like anything Chrysler, Fiat, etc) 100K to 150K miles just is not that much for a modern car that is taken care of. Change the fluids, change the belts and hoses and get the oil changed and the vast majority o...
by invst65
Mon Jul 03, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buy health insurance for one week in Cancun?
Replies: 12
Views: 1296

Re: Buy health insurance for one week in Cancun?

Ironically, the only time I ever bought one of those travel insurance policies was also the only time I ever got sick while travelling and had to go to the hospital. It was in the Philippines where I acquired some kind of parasite by allowing ice in my drink. Big mistake. As it turned out, the total...
by invst65
Mon Jul 03, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep pension or roll it over?
Replies: 13
Views: 1293

Re: Should I keep pension or roll it over?

10 years ago I was offered $85k in lieu of a pension that was to begin paying $850/month in 7 years when I turned 65. I took the money and rolled it into my IRA for two basic reasons 1.) companies like AIG and Lehman Brothers were failing at the time so my confidence in the stability of any pension ...
by invst65
Mon Jul 03, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 47
Views: 5424

Re: Verizon- Why do they treat old customers worse?

Like others have said, I just have to switch providers every couple of years. My $40 monthly credit from the last switch is up in October so I'll probably be doing it again soon. In my neighborhood what used to be Verizon is now Frontier. Brighthouse has become Spectrum. We also have WOW which has t...
by invst65
Sun Jul 02, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Uncertainty About Bond Investing
Replies: 38
Views: 3250

Re: Uncertainty About Bond Investing

... or individual bonds (which I don't know how to purchase and there seems a LOT to be wary of) I buy my own individual bonds on Fidelity and it is actually quite easy. I've heard the same thing about Vanguard but never tried it though I do have a Roth IRA account there. Personally, I like not hav...
by invst65
Sun Jul 02, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: 401k and RMD, confused about what to do...
Replies: 13
Views: 1060

Re: 401k and RMD, confused about what to do...

Here is a book I read on this very subject a while ago. I'd offer you my copy but I just cleaned out my bookshelf and donated it to the library. https://www.amazon.com/Retirement-Savings-Time-Bomb-Defuse/dp/0143120794 None of his suggestions seemed to fit my own situation but he did have some intere...
by invst65
Sun Jul 02, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: 401k and RMD, confused about what to do...
Replies: 13
Views: 1060

Re: 401k and RMD, confused about what to do...

Hi, We are not eligible for IRA or RothIRA due to income limits and both me and my wife contribute maximum to our 401ks. If we continue to max out the 401k for the next 30 years @ $16000 per individual per year, and assume 7% rate of return, it looks like the net value will be ~ $5 million total? a...
by invst65
Sun Jul 02, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Parents Social Security payments, deceased Father.
Replies: 8
Views: 893

Re: Parents Social Security payments, deceased Father.

JW-Retired wrote:On the other hand, 1687 seems really low for a doctor's wages.
That was also what I thought. This is around the same amount my mother gets and my Dad was a milkman who never paid in anything close to the maximum amount.
by invst65
Wed Jun 28, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9224

Re: Middle age job blues

I had a 40 year career in IT starting with board wiring, and then moving on to Fortran programming on punched cards. I always tried to keep up with the current technology and at the time my career ended I had just taught myself Java Programming and Web Services and was getting quite proficient at it...