Search found 112 matches

by yorkpond
Tue Sep 27, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

While in Tucson, take a short, bus tour to Rocky Point, Mexico, or go to San Diego for a west coast of Mexico cruise. Try a direct flight from the mainland to Kona on the Big Island of Hawaii to look at what to try the following year. Keep checking other places until you find somewhere worth stayin...
by yorkpond
Mon Sep 26, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

For $4k a month budget you can live anywhere in the world. Why just the U.S? Family is just a short plane ride away from...let say....Costa Rica? It much safer than California and Florida too. Anyway, I would think Hawaii would be a no brainier....for me anyway. You are right, we have some great id...
by yorkpond
Mon Sep 26, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

joebh wrote:
yorkpond wrote:We live in Maine and winters can be very harsh.


Do you live in York, Maine?


We sure do! :happy
by yorkpond
Mon Sep 26, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

tennisplyr wrote:Spent the last 3 winters in Sarasota and had a ball. Lots of tennis, beaches and good weather. Of course, it depends on what you're looking for but you can definitely find a nice place for <$4000. PS, you better hustle it's getting late.


Thanks, we'll start looking in Sarasota tomorrow! :happy
by yorkpond
Mon Sep 26, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

Toons wrote:Ditto On The Gulf Coast Of Florida :happy


Thanks so much, I'll take your advice and the others who suggested this :happy
by yorkpond
Mon Sep 26, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

You live in Maine. Let me repeat that. You live in Maine. You want warm, yet you say there is nothing to do in Florida except beach and pool. In the whole state of Florida you cannot find anything to do that might suit you? Don't worry OP -- I choose ME over FL any day of the week too! Except for J...
by yorkpond
Mon Sep 26, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

You live in Maine. Let me repeat that. You live in Maine. You want warm, yet you say there is nothing to do in Florida except beach and pool. In the whole state of Florida you cannot find anything to do that might suit you? We live in a big country with lots of things to see and do. We have the lux...
by yorkpond
Mon Sep 26, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

I've only read about 1/3 of the responses so far, so apologies if this has already been asked: does your sister really need a car at all? $21k would buy a LOT of Uber rides... Unfortunately, yes. She has a new grandson and seems to be his primary caretaker (another story entirely). So, transportati...
by yorkpond
Mon Sep 26, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

Honolulu. Long way from Maine and maybe expensive but lots to do and great beaches. I don't think we'd like being so far from the grand kids. One of my sons has been twice and loved it. We were just thinking of planning a really nice two week tour overseas in the Spring. Newly retired with budgeted...
by yorkpond
Mon Sep 26, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Re: Where to spend January-March in Winter??

What beach areas did you look at in San Diego? Did you try N county, Solana Beach or Carlsbad? We checked the temperatures in North County and they were about the same as Coronado Island. I loved the activities in and around San Diego but never was able to go to the beach. It was 66-68 every day, n...
by yorkpond
Mon Sep 26, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 2904

Where to spend January-March in Winter??

My wife and I are in our mid 60's, active and in very good health. We live in Maine and winters can be very harsh. We're just feeling it more. We have had occasion to go to South Beach in Florida for several years in a row. Last winter, at my urging we spent March and April in Coronado, California o...
by yorkpond
Mon Sep 26, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 2001

Re: IRA CD question

A related question.... If you use CDs - regardless of whether brokered or bank - in your IRA and you are of RMD age, how do you take your RMDs? I assume you just keep enough in more liquid assets, such as a bond fund, to cover your RMDs until the CDs come due. Is that all there is to it? I take the...
by yorkpond
Sun Sep 25, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Even thought the OP's sister was going to deposit cash equal to the lease payments into an account the OP controlled (or jointly controlled with his sister?), and even though the issues seems to have resolved itself without putting the OP at undue risk, there are two risks that have not really been...
by yorkpond
Sun Sep 25, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

She can buy a decent brand new Hyundai cash for 21k. No payments, no cosignor. Lafder You are absolutely right, Lafder! Except a $21K new car is "beneath" her no matter what make of car would be. There was a solution to this saga. Millionaire friend went to co-sign and also backed out bec...
by yorkpond
Sun Sep 25, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

She can buy a decent brand new Hyundai cash for 21k. No payments, no cosignor. Lafder You are absolutely right, Lafder! Except a $21K new car is "beneath" her no matter what make of car would be. There was a solution to this saga. Millionaire friend went to co-sign and also backed out bec...
by yorkpond
Fri Sep 23, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 2001

Re: IRA CD question

Rob5TCP wrote:Andrews Federal C.U.
special 3% 7 year
ONLY for IRA / Roth

click on traditional IRA / Roth
and you will see the 84 month

https://www.andrewsfcu.org/personal/che ... cates.html



What's the best way to join the credit union?
by yorkpond
Fri Sep 23, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Thanks all. Here's the outcome of all this: She got her local millionaire friend to cosign the lease. I told her what has been said on this thread by all my fellow Bogleheads. Not good enough. She will continue to act as though she has much more funds available than she actually does. She will run ...
by yorkpond
Fri Sep 23, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 2001

Re: IRA CD question

I've done this a few times my Vanguard IRA Account. Sometimes they wire the IRA money to my new CD at a new bank and sometimes they send a check to the new IRA CD that is set up a the new bank. Never was a problem.
by yorkpond
Fri Sep 23, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

I'm glad to see you did the best thing for both of you. I think you need to start mentioning to her that you are now living on a "fixed income" (whether you are or not). Keep using that phrase--7 times in the next conversation you have (since it may take that long before it sinks in). Thi...
by yorkpond
Fri Sep 23, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Thanks all. Here's the outcome of all this: She got her local millionaire friend to cosign the lease. I told her what has been said on this thread by all my fellow Bogleheads. Not good enough. She will continue to act as though she has much more funds available than she actually does. She will run o...
by yorkpond
Fri Sep 23, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Thanks for the advice. She does have a financial planner. I did speak with him several years ago when I went over her plan. I did not like it at all. She had an annuity in an IRA. Bad idea. She had what she called 'safe" mutual funds. I let her know that there was no thing as a safe fund. I en...
by yorkpond
Fri Sep 23, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Nope, sis is 72 and acts like she's 20. The 21k would come from her IRA which is a worse idea for her in the long run. She's alone except for a daughter that is worse than she is at 44 years old. I'll still be a good brother and help her any other way I can; finding her a good car for 21k or so. Th...
by yorkpond
Fri Sep 23, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Also, I would guess that the dealer has a fat profit margin in this deal, and will likely push back hard if somehow you convince her to try to get out of it (not to mention that she's already driving it and has gotten a flat tire). When I spoke with the GM yesterday he sounded sleezy and had all th...
by yorkpond
Fri Sep 23, 2016 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

The one part of this that I would agree with is that, since the OP is not there in person, any signatures be notarized. Her credit must be really terrible for her not being able to qualify for a lease - especially with an offer of a significant amount down. Leasing standards are not all that string...
by yorkpond
Fri Sep 23, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Wow. In my head, I'd imagined this as OP being the responsible 30-35 year old, sister being a somewhat flighty 20 something, maybe. Good income, but hadn't yet gotten a strong handle on sound financial practices. But OP is 65 and OP's sister is OLDER? That's really bad. Also, if OP's sister is olde...
by yorkpond
Fri Sep 23, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

She has $21k? I can think of a ton of cars she could buy for $21k. Let me guess.....she's leasing a BMW. She can't afford a BMW. She can buy a brand new Corolla/Civic/Jetta/Sentra/Optima/Mazda3 in cash and not have any payments. Not exactly. Worse. A 46k Hyundai Genesis that I wouldn't pay $5 for. ...
by yorkpond
Fri Sep 23, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

This is a really bad situation for OP. I realize OP has 1) Strong positive feelings towards sister 2) Already, perhaps, committed to take part in this So it may be impractical at this point to back out or get the deal changed in some way, but if it IS possible, that seems best. We have a sister who...
by yorkpond
Fri Sep 23, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

This is insanity. Cosign? No sign. Just called her in Arizona. She was pulling into her parking space with a flat tire already. I told her of all the points mentioned in this post stream. I also told her that she has to purchase an umbrella policy with Allstate which I know is about $1500 additiona...
by yorkpond
Fri Sep 23, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Cosigning in general is a bad idea in most cases. With these terms, POA, and inconsistencies its extremely foolish. if your sister can pay for the full cost of the lease up front she should be able to afford a decent used car. What is the total cost of the lease that she can front? Is it 21k that I...
by yorkpond
Fri Sep 23, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

I would be very uncomfortable with this. Of course, I would be uncomfortable leasing a car for myself so that's not saying much. Why this car? Why a lease? I would have rather just bought her a good used car or affordable, reliable new car and set up loan terms with her personally. If she doesn't p...
by yorkpond
Fri Sep 23, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

POA to a person you've never met???? I would never do so. The person doing so is looking out only for their own interests. The first rule of helping someone is to not endanger yourself doing so. It was a calculated move that they delivered the car. They delivered the car so that if you backed out y...
by yorkpond
Fri Sep 23, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Not an attorney, but I would not give the dealer POA. Period. I am sure there will be other, similar posts. When you "cosign" a lease, loan, etc. you take on significant risk - often well beyond the monthly payments. In addition to other reasons, IMO, those risks are sufficient reason to ...
by yorkpond
Fri Sep 23, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Re: Cosigning a new car lease for sister out of state

Not an attorney, but I would not give the dealer POA. Period. I am sure there will be other, similar posts. When you "cosign" a lease, loan, etc. you take on significant risk - often well beyond the monthly payments. In addition to other reasons, IMO, those risks are sufficient reason to ...
by yorkpond
Fri Sep 23, 2016 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 3423

Cosigning a new car lease for sister out of state

Hi All. Need advice on a lease I'm cosigning for my sister. She lives in Arizona and I live in Maine. Got all the leasing papers from the dealer over night. Seems overwhelming. Noticed a few inconsistencies. First, on the lease my Maine address which is my home address does not appear. My sister's a...
by yorkpond
Sun Apr 03, 2016 1:01 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]
Replies: 6
Views: 907

Re: Exchanging VTSAX to VYM

I would not make any changes. Just sell shares to make up any needed shortfall in cash. Total return is all that matters, and I don't believe there is any reason to expect VYM to have higher total return than VTSAX. If you will be in the 15% Federal bracket (so, 0% on LT cap gains and qualified div...
by yorkpond
Sun Apr 03, 2016 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]
Replies: 6
Views: 907

Re: Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]

Thank you all for the advice. All that has been mentioned makes a great deal of sense to me. I can especially appreciate the tax advantages of selling shares vs. increasing dividend income. Great answers! Thanks again
by yorkpond
Fri Apr 01, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]
Replies: 6
Views: 907

Exchanging VTSAX to VYM [Vanguard Total Stock Market Index to High Div Yield]

My wife and I are both retired. I'm suspending my social security in 2017. Our taxable trust account consists of VTSAX and VTIAX. The total market yields about 2% and the international yields about 3%. Our dividends were recently set to go to the core money market to make up for some of the cash we'...
by yorkpond
Tue Mar 29, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Converting to a 3 fund portfolio (gradually or all at once)?
Replies: 16
Views: 1467

Re: Converting to a 3 fund portfolio (gradually or all at once)?

I had the same situation about 3 years ago transferring my accounts from Fidelity to Vanguard. Please check out the following link. It helped me greatly. In the end analysis, your comfort level is to be considered as well. My thought is as follows: If you're invested fully currently and are satisfi...
by yorkpond
Tue Mar 29, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Converting to a 3 fund portfolio (gradually or all at once)?
Replies: 16
Views: 1467

Re: Converting to a 3 fund portfolio (gradually or all at once)?

I had the same situation about 3 years ago transferring my accounts from Fidelity to Vanguard. Please check out the following link. It helped me greatly. In the end analysis, your comfort level is to be considered as well. My thought is as follows: If you're invested fully currently and are satisfie...
by yorkpond
Mon Mar 14, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs Becoming A Worse Investment?
Replies: 40
Views: 4958

Re: Are CDs Becoming A Worse Investment?

IMHO CD's among the very best fixed income investments out there. Totally agree. I've followed numerous contributors on our blog for years on this matter. I've read many books from our most coveted authors. As it's been said over and over, risk should be taken on the equity side. I'm currently 55% ...
by yorkpond
Mon Mar 14, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Determining withdraw strategy (RMDs soon)
Replies: 20
Views: 1672

Re: Determining withdraw strategy (RMDs soon)

I recently found this article online. Seemed worthwhile reading regarding RMD and Dr. Schiller's CAPE method. Check it out. Hope it adds some value to the discussion:
http://time.com/money/4166109/best-reti ... trategies/
by yorkpond
Sun Jan 31, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: VG International Bond Index Fund?
Replies: 11
Views: 1037

Re: VG International Bond Index Fund?

retiredjg wrote:If your fixed income slice is only 4%, I would not put part of it in international bonds. Just a waste.

Other than that, I'm neutral on the issue.

Thanks for your reply. Just to clarify my AA: 55% equity, 41% TBM and CD's (roughly 50:50), 4% cash. Any further thoughts on the TIBM?
by yorkpond
Sun Jan 31, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: VG International Bond Index Fund?
Replies: 11
Views: 1037

Re: VG International Bond Index Fund?

I would take enough time to read over Vanguard's paper, Global Fixed Income: Considerations for U.S. investors . Seriously. It's pretty good. My personal opinion is that this paper makes an excellent case for the proposition that ...IF you want an international bond fund... ---> THEN you want a cur...
by yorkpond
Sun Jan 31, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: VG International Bond Index Fund?
Replies: 11
Views: 1037

Re: VG International Bond Index Fund?

Thanks for the info lack_ey. I did reduce my TBM holdings with some CD's from PenFed an Northwest Fed CU which now account for about 50% of fixed portion of my portfolio. I always keep an eye on new offerings trying to keep the "riskier" portion of the portfolio in equities. I do have a ph...
by yorkpond
Sun Jan 31, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: VG International Bond Index Fund?
Replies: 11
Views: 1037

VG International Bond Index Fund?

The flagship guy recommended 20% of the fixed income part of the portfolio be invested in the VG Total International Bond Index Fund. Any thoughts on this? Low yields currently with high prices. Another rep suggested 30%! This would be a long hold in a 55/41/4 portfolio. Love to get opinions of the ...
by yorkpond
Sun Dec 27, 2015 11:11 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 1030

Re: Roku remote problems

I strongly suspect that the latest Roku software update introduced a few bugs notably with Netflix. I got issues which I originally attributed to a flaky remote, but it was actually the software that froze... When waking up from the sleep mode, go 'home' right away, and restart whatever channel app...
by yorkpond
Sat Dec 26, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 1030

Re: Roku remote problems

SpringMan wrote:You can download the Roku app which turns your smart phone or tablet into a Roku remote.
!

Right! This works just fine. I'm still trying to get the original remote to wake up. I'll try to pair the remote using the iPhone app for Roku. Thanks
by yorkpond
Sat Dec 26, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 1030

Re: Roku remote problems

bengal22 wrote:I just take the battery out and then put it back in and it always worked. Or unplug the Roku. One of those 2 things always worked.


Unfortunately, this stopped working for me the second time. I'll keep trying other methods.
by yorkpond
Sat Dec 26, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 1030

Re: Roku remote problems

Have you tried to re pair the remote with the ROKU? Perhaps support already had you do this, but if not, Make sure your batteries are fresh and inserted correctly. Go to system info and find the pair remote setting. Use the very small button located in the battery compartment, push it down, and tha...
by yorkpond
Sat Dec 26, 2015 8:50 pm
Forum: Personal Consumer Issues
Topic: Roku remote problems
Replies: 10
Views: 1030

Re: Roku remote problems

SpringMan wrote:You can download the Roku app which turns your smart phone or tablet into a Roku remote.


I've pretty much done all the remedies mentioned; but, it's a good idea to use the iphone app for Roku to pair once again and see if that works. Thanks for all the help.

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