Search found 117 matches

by jrbdmb
Fri Feb 17, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: http://www.hp-drivers-download.com/?
Replies: 18
Views: 448

Re: http://www.hp-drivers-download.com/?

Subjecting yourself to security intrusion because there is not a driver for Windows7+ is shortsighted. I have yet to encounter a driver not provided by the manufacturer unless you are talking about Linux. Unfortunately I have seen many instances where HP will not release updated drivers for their p...
by jrbdmb
Wed Feb 15, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3221

Re: I want to ditch the cable company's modem

I bought a modem on sale for $50. Thought I was so smart to save the $5/month. Then six months latter it got hit by lightning and got fried. I had to go out that night to buy a new one (at full price) so my wife could work the next morning Then a few months after that my cable company stopped charg...
by jrbdmb
Fri Feb 10, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3739

Re: mattresses and alcohol (bourbon, scotch, whiskey)

OK, I like to get a good "value" for my money. However, I find these two consumer items the most challenging. For a mattress, I recently just bought a latex version, because I gave up trying to compare apples to apples. However, this takes me to alcohol. I like bourbon. Would like to also...
by jrbdmb
Tue Feb 07, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 61823

Re: Do you think Ric Edelman is correct, never pay dow mortg

Tycoon: Yes a paid off house is a hedge against inflation but most people don't have that until about 55 A mortgage allows you to hedge that same amount of money 20 to 30 years before you own the house.....Gordon I used a 15 year mortgage and had a paid off house well before age 55. I feel quite lu...
by jrbdmb
Mon Feb 06, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 5591

Re: Single Malt Scotch-time for another thread?

Background: I like scotch. My cabinet currently houses >50 bottles ranging in price from ~50 to 400 USD. First, decide what kind of scotch you like! Only way this can be done is through tasting, so get together with friends and procure a solid but relatively inexpensive representation of each regio...
by jrbdmb
Fri Feb 03, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 5591

Re: Single Malt Scotch-time for another thread?

Definitely not worth it, nor is any other except for a select few who can discern differences or on occasions where it is used to make an impression. We had relatives who drank expensive Scotch at a time when we were just starting out and had little money. We obtained an empty bottle of their prefe...
by jrbdmb
Fri Feb 03, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: VTEB vs MUB [Vanguard Tax-Exempt vs. iShares National Muni Bond ETF]
Replies: 24
Views: 3494

Re: VTEB vs MUB [Vanguard Tax-Exempt vs. iShares National Muni Bond ETF]

Here's a related question about VTEB and MUB. I thought it made more sense to continue this discussion rather than start a new one ... Considering that both VTEB and MUB track the same index (S&P National AMT-Free Municipal Bond Index) you would expect their performance to closely match one anot...
by jrbdmb
Fri Feb 03, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: someone talk me out of using betterment or wealthfront as a "checking account"
Replies: 12
Views: 1073

Re: someone talk me out of using betterment or wealthfront as a "checking account"

As noted above, it seems like one of the LifeStrategy funds (0.13% - 0.15% ER), Target Retirement Funds (0.13% - 0.16% ER), or Balanced Admiral Funds (0.08% - 0.11% ER) would be an alternative to consider over the 0.25% charge (plus the underlying fund fees) of Betterment. I do not know the details ...
by jrbdmb
Tue Jan 31, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 5591

Re: Single Malt Scotch-time for another thread?

It's time for my evening "wee dram." I do on occasion enjoy single malts, but for daily use, I like the Famous Grouse. It IS a blend, but has more of the character of a single malt than most well-known blends. Guess I'm just cheap! Hope this isn't TOO off-topic. I've tried a few blends - ...
by jrbdmb
Tue Jan 31, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 5591

Re: Single Malt Scotch-time for another thread?

I just picked up a bottle of Talisker Storm for $35, will be curious to see how it compares to Talisker 10 for half the price I've had my eye on this juice, it's seems to be discounted as of late in my area (twin cities), and I may give it a go. Let us know your thoughts on it! -tsquare I've tried ...
by jrbdmb
Tue Jan 31, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 5591

Re: Single Malt Scotch-time for another thread?

This is pretty much my opinion verbatim. Lagavulin 16 is my absolute favorite (I have to pay around $90-$100 in my city however, I can get it for cheaper when I travel at some duty free shops). My "day-to-day" whiskey is typically Johnny Walker Black. Although I will say we've had some ex...
by jrbdmb
Wed Jan 25, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 81
Views: 5988

Re: What is a good laptop to buy?

Thanks for the replies. I am not a mac fan. Definitely not interested in a Mac I am a Windows junkie, but my wife is quite happy with her iPad Air for web surfing and light email, plus a lot of handy ios apps. I can't compare to a Chromebook, but it's definitely worth a look and will fit in your pr...
by jrbdmb
Tue Jan 17, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: 3 Vanguard Funds That Are Taking on Water
Replies: 29
Views: 5645

Re: 3 Vanguard Funds That Are Taking on Water

If the author is convinced we are in a bond bear market, why not just recommend plowing everything into 30-year Treasury puts?
by jrbdmb
Tue Jan 17, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is Insurance Rebate Taxable?
Replies: 8
Views: 375

Re: Is Insurance Rebate Taxable?

Unless you are somehow able to deduct your insurance premiums from your taxable income, why would any subsequent rebate be taxable? Update - I have auto insurance with New Jersey Manufacturers, and i just received a similar "dividend." This is nothing more than a return of excess premiums ...
by jrbdmb
Mon Jan 16, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 39
Views: 2990

Re: Streaming TV for Elderly Parents

We are considering converting our parents to a streaming TV service. They currently have Comcast TV, landline phone, DSL. They primarily watch national and local news, The Weather Channel, C-Span, Turner Classic Movies, MLB.com (via mlb.tv), TNT, CNN, ESPN, ABC/NBC/CBS/TBS and a few others. We have...
by jrbdmb
Thu Jan 12, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6883

Re: Amazon Prime Rewards Visa Signature Card

Is there any advantage in keeping the 5% store card now? I have both. Looks like the store card gives financing or 5%, which I don't need. Other than that I'd like to get rid of the store card. Same question here. I'd like to get rid of my store card (just b/c it's one extra thing to worry about). ...
by jrbdmb
Wed Jan 04, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4694

Re: Champion of 401K Lament the Revolution they Started

Many jobs that previously only required an undergraduate degree now require a graduate degree, so that's more debt and more time. And far more jobs that previously only required a high school diploma now require a college degree of some sort. I know that I get (mildly) upset at my TV every spring d...
by jrbdmb
Wed Jan 04, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4694

Re: On Point - Big Worries For Your 401(K) Retirement Plan

Under the 401(k) system you're made responsible for saving for your retirement. The problem is that: A lot of people who can save don't. And a lot of people who don't save can't. I think you missed a very important #3: - A lot of people don't have the knowledge, experience, or temperament to manage...
by jrbdmb
Wed Jan 04, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4694

Re: On Point - Big Worries For Your 401(K) Retirement Plan

Under the 401(k) system you're made responsible for saving for your retirement. The problem is that: A lot of people who can save don't. And a lot of people who don't save can't. I think you missed a very important #3: - A lot of people don't have the knowledge, experience, or temperament to manage...
by jrbdmb
Tue Jan 03, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10197

Re: Max It Out Tomorrow

Can someone explain this to me? Just curious. Thanks. Toons did when he said "Time. Not timing." You want to maximize your "time" invested, you don't want to try to get into market "timing". :beer But my understanding is that Dollar Cost Averaging is *not* market timin...
by jrbdmb
Tue Dec 20, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: What do you think is in more of a bubble right now?
Replies: 57
Views: 6739

Re: What do you think is in more of a bubble right now?

I mentioned "peace bubble" not really to encompass the possibility of a full scale nuclear war (of course if that happens then all bets are off). But I began thinking about how there have been numerous conflicts since the end of WW2 - but none of them have taken place on the home soil of a...
by jrbdmb
Tue Dec 20, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 4892

Re: DOW [Will the DOW hit 20,000 before the end of the year?]

The Dow Jones Industrial Average will definitely [ ] hit 20,000 [ ] not hit 20,000 by the end of 2016. (Remind me to update this post at 5PM on December 30.) BTW, what is your exact criteria? Is an intraday high of 20,000 adequate, or does the Dow have to close above 20,000? And is there some specia...
by jrbdmb
Mon Dec 19, 2016 5:41 pm
Forum: Investing - Theory, News & General
Topic: What do you think is in more of a bubble right now?
Replies: 57
Views: 6739

Re: What do you think is in more of a bubble right now?

Chances are the next black swan event will not be a repeat of something we have seen before. Just one possibility - are we in a "trade bubble?" It is being taken for granted that the United States is participating freely in an enormous global marketplace where the trend is towards lower ta...
by jrbdmb
Mon Dec 19, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 11094

Re: Amazon Prime Getting Stingy?

They operate on really thin margins. Which is all the better for our pockets. It's a bit like the Vanguard Web site, can't expect it to be super-glitzy while expecting their ERs to be as low as possible. So I would never expect a free month offer or something like that. I wouldn't want them to even...
by jrbdmb
Wed Dec 14, 2016 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Bad Time for a Retiree To Invest Heavy in Bonds?
Replies: 24
Views: 4355

Re: Bad Time for a Retiree To Invest Heavy in Bonds?

hulburt1 wrote:3 years of cash and the rest in total stock market. Have dividends put into cash. so you will get about 5 years before you need to look at this again.


I think I would have to have a lot more information before I could suggest such an aggressive approach for a retiree.
by jrbdmb
Thu Dec 08, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 3237

Re: Frying pan recommendations

My family has two Lodge cast iron pans which we like for certain things, but for day-to-day we use a set of Calaphon tri-ply SS, similar to All Clad but at a lower cost (but prob. not as low as Tramontina). My issue with the cast iron is that (1) things do stick to it and it requires some work to cl...
by jrbdmb
Tue Dec 06, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: Benefits of TLH Intermediate Muni Tax exempt
Replies: 26
Views: 2677

Re: Benefits of TLH Intermediate Muni Tax exempt

Idea. Could TLH to Vanguard's long-term national muni fund for 30+ days. Why? To avoid losing "(at least a portion of) the monthly tax exempt dividend". Why? Because what you lose with IT, you will gain+ with LT. Why "gain+"? Because the LT fund: (1) has a higher yield than the ...
by jrbdmb
Mon Dec 05, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Global bonds suffer worst monthly meltdown, cause for concern?
Replies: 46
Views: 6475

Re: Global bonds suffer worst monthly meltdown, cause for concern?

I guess i took notice of reply 7 or 8 by ' jrbdmb ' , sounds like i should have not been investing in bonds , if you can't handle the risk. Yea , like everything else . Just, like i said, i'm in the target fund, not much choice there. If a 4% loss of principal causes you sleepless nights, then yes ...
by jrbdmb
Thu Dec 01, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 5408

Re: Which Credit card for a large one-time expense?

If not I would suggest the Citi Double Cash card. And why is that? Because of the 2% rebate on everything. There may be others but that is the one that came to mind that I am familiar with. Doh! Sorry I read your post wrong, I thought you meant "I would not suggest the Citi Double Cash card.&q...
by jrbdmb
Thu Dec 01, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: Global bonds suffer worst monthly meltdown, cause for concern?
Replies: 46
Views: 6475

Re: Global bonds suffer worst monthly meltdown, cause for concern?

It's a cause for concern if you can't stand a modest loss. Those that cannot stand a 4% principle loss should not be in intermediate bonds, long term bonds, Vanguard Total Bond Market, or whatever fund approximates the Bloomberg Barclays Global Aggregate Total Return Index quoted in the article. Un...
by jrbdmb
Thu Dec 01, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 33
Views: 3399

Re: Buy iPhone 7 or Wait for iPhone 8

Agree that it depends on what you are upgrading from. I recently upgraded my wife from a 5 to a 7 - IMHO the larger screen and the much improved camera (the first non-Plus model with optical image stabilization) make it worthwhile for her. But for me the loss of the headphone jack is big, so i will ...
by jrbdmb
Wed Nov 23, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 5408

Re: Which Credit card for a large one-time expense?

CABob wrote:If not I would suggest the Citi Double Cash card.


And why is that?
by jrbdmb
Tue Nov 22, 2016 11:38 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 223
Views: 23515

Re: Retreat to cash

The Dow, NASDAQ, S&P 500 and Russell 2000 closed at all-time highs yesterday and you want to move to cash? STAY THE COURSE! To be honest, that is the one thing that would make me consider being much more conservative. Warren Buffett has said that as an investor it is wise to be “Fearful when ot...
by jrbdmb
Mon Nov 21, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: cheap hotels in NYC
Replies: 35
Views: 2734

Re: cheap hotels in NYC

Another option is to stay in NJ. My son and I recently stayed at an Embassy Suites in Secaucus NJ, could either take the 320 bus right to the Bus Terminal or a train to Penn Station, and rooms were half the price of anything I could find in NYC itself. There are multiple hotels in the Harman Meadows...
by jrbdmb
Fri Nov 18, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: Muni bonds are getting killed. Are you bailing out?
Replies: 88
Views: 13382

Re: Muni bonds are getting killed. Are you bailing out?

Apparently as a consequence of Trump becoming POTUS elect, municipal bonds are getting slammed much worse than corporate bonds and somewhat worse than treasuries. The main factors are reported to be: anticipated lowering of tax brackets, anticipated increase in inflation and an anticipated increase...
by jrbdmb
Thu Nov 17, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard Investor Questionnaire recommends 100% stocks!
Replies: 56
Views: 5085

Re: Vanguard Investor Questionnaire recommends 100% stocks!

No, I'm not really surprised at all. You're answers show that you have a long time horizon and an aggressive investing attitude (buy more of an asset on dips, unconcerned about short term losses). It seems high a high percentage stock allocation is appropriate. The only thing I'm surprised at is tha...
by jrbdmb
Thu Nov 17, 2016 10:11 am
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 20775

Re: Why are bonds dropping? They are supposed to be safe.

Good discussion. In several other threads were emergency funds were discussed some people kept recommend folks put their EF in bonds after many of the rest of us were suggesting high interest savings accounts. When reading these threads I kept wondering what led people to thing bonds were so safe (...
by jrbdmb
Wed Nov 16, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3325
Views: 836276

Re: U.S. stocks in freefall

I recently changed employers (or more accurately, my previous employer sold my division to a different company) that caused me to have a 401K plan at both my previous employer and new employer. In an effort to simplify things I decided to close my old 401K and add the funds to my new 401K. I decided...
by jrbdmb
Wed Nov 09, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3325
Views: 836276

Re: U.S. stocks in freefall

Bongleur wrote:What this country needs is a good 5% Govt Bond. I could live on 5% Govt Bonds.


Unless the 5% Govt Bonds comes with 10% inflation.
by jrbdmb
Wed Oct 26, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Total International Stock Index includes small caps or not?
Replies: 12
Views: 2271

Re: Total International Stock Index includes small caps or not?

Interestingly, the 401Ks of my previous employer and my current employer do not offer Vanguard Total International, but both offer the FTSE All-World Ex-US fund. More interestingly, neither 401K offer the FTSE All-World Ex-US Small-Cap fund, so i am now compensating by putting the international comp...
by jrbdmb
Mon Sep 19, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 58
Views: 5579

Re: What Percentage To Put In International Stock?

It depends on how well international does in the future. Anything from 0 to market cap (about 50%) is reasonable. So all I need now is some advice on how well international will do in the future. :mrgreen: Seriously, I spent a long time with no international exposure whatsoever, but recently decide...
by jrbdmb
Fri Sep 16, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Money Purchase Pension Plan -- Rollover or can I withdraw without penalty the cash?
Replies: 6
Views: 644

Re: Money Purchase Pension Plan -- Rollover or can I withdraw without penalty the cash?

You shouldn't have to take an annuity. You should be able to waive the annuity option and take a lump sum ditribution. IIRC MPPPs must provide the option of a J&S annuity because MPPPs are technically pension plans. OK. Good to know, I was wondering why an (optional) J&S annuity was attache...
by jrbdmb
Thu Sep 15, 2016 5:10 pm
Forum: Investing - Theory, News & General
Topic: "Filling Your 401k with Company Stock"
Replies: 21
Views: 2422

Re: "Filling Your 401k with Company Stock"

For companies that encourage employees to tilt their accounts towards company stock, how good are the other options in the plan? It seems to me that an employer could manipulate the situation by having mega-crappy alternatives. I'm disappointed that the article didn't mention the fact that some com...
by jrbdmb
Thu Sep 15, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Money Purchase Pension Plan -- Rollover or can I withdraw without penalty the cash?
Replies: 6
Views: 644

Re: Money Purchase Pension Plan -- Rollover or can I withdraw without penalty the cash?

I'm in a similar situation now. My previous employer matched my 401K contributions up to 4%, all matching done in company stock. Now that I'm looking into rolling over my old 401K into the 401K of my new employer, I've found that the company match $$ is considered a "Money Purchase Component&qu...
by jrbdmb
Thu Sep 08, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12851

Re: Who is ready for iphone 7?

The lack of a headphone jack, if true, may be a deal breaker for many folks. It'll be a deal breaker for certain in at least some of our workplace usage. Certain functions require the use of an earphone with our phones, and if that capability is no longer there, we will not be buying iPhone 7's. It...
by jrbdmb
Thu Sep 08, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12851

Re: Who is ready for iphone 7?

The lack of a headphone jack, if true, may be a deal breaker for many folks. This is the future. All new phones will be USB only before long. It allows the manufacturer to save space & cost on the device while still providing the same functionality. But - you'll need to buy adapters or replace ...
by jrbdmb
Fri Aug 26, 2016 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to get rid of sizable stock holding in 401K
Replies: 9
Views: 582

Best way to get rid of sizable stock holding in 401K

As a result of my employer's 401K match being entirely in company stock, I have found that I have accumulated quite a bit of it. Although I have done fine with this stock over the years, I am now at the point that I want to transition entirely to low-cost index funds and get rid of the stock. I'd li...
by jrbdmb
Wed Aug 17, 2016 8:43 am
Forum: Investing - Help with Personal Investments
Topic: LMT vs Leidos [Lockheed Martin]
Replies: 13
Views: 4491

Re: LMT vs Leidos

It appears that only a portion (pro-rated) of the tendered LMT shares will actually be converted. Because most of the existing LMT will continue to operate as such, less the IT part that's going to Leidos. So if you tender your LMT shares, or part of them, you will have a combination of Leidos and ...
by jrbdmb
Tue Aug 16, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads: Asset-Allocation and Rebalancing
Replies: 74
Views: 6893

Re: Bogleheads: Asset-Allocation and Rebalancing

When I was younger I was 100% equities as well. As I've aged and learned, I would not recommend 100% to anyone. Now I know you mentioned 95%, but that's close enough. Even if you can stomach 50% loss, this is why I would not recommend 100% stocks. If the market tanks, you want some dry powder to bu...

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