Search found 71 matches

by charleshugh
Sun May 19, 2019 10:22 am
Forum: Personal Investments
Topic: Am I paying Target 2020 fees and the fees for the 5 funds comprising it?
Replies: 13
Views: 1232

Re: Am I paying Target 2020 fees and the fees for the 5 funds comprising it?

Thank you all for the insightful advice. It is most appreciated!
by charleshugh
Sun May 19, 2019 7:32 am
Forum: Personal Investments
Topic: Am I paying Target 2020 fees and the fees for the 5 funds comprising it?
Replies: 13
Views: 1232

Re: Am I paying Target 2020 fees and the fees for the 5 funds comprising it?

On a $1 million portfolio would I save $1,300 by purchasing the five underlying funds directly.
by charleshugh
Sun May 19, 2019 7:15 am
Forum: Personal Investments
Topic: Am I paying Target 2020 fees and the fees for the 5 funds comprising it?
Replies: 13
Views: 1232

Am I paying Target 2020 fees and the fees for the 5 funds comprising it?

I have an IRA with Vanguard 2020 Target Retirement Fund (expense ratio .13%). This 2020 fund comprises the following funds/allocations: Vanguard Total Stock Market Index Fund Investor Shares 31.40% Vanguard Total Bond Market II Index Fund Investor Shares 29.10% Vanguard Total International Stock Ind...
by charleshugh
Thu Nov 08, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Loan/line-of-credit options to qualify for ACA subsidy?
Replies: 6
Views: 402

Re: Loan/line-of-credit options to qualify for ACA subsidy?

My wife and I are 63 years old. I am retired and she has annual income of $25,000 which will end in the next year or so. Our annual budget is about $65,000. Does that mean that for age 64 your income will be zero and both of you will be on ACA? If so, I would consider the HELOC. Otherwise if it's j...
by charleshugh
Thu Nov 08, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Loan/line-of-credit options to qualify for ACA subsidy?
Replies: 6
Views: 402

Re: Loan/line-of-credit options to qualify for ACA subsidy?

I'm curious on your eligibility given that your wife has insurance available (is it not then available to you also, and does that matter?) Do you file married but separate tax returns? Does your spouse income "count" against your MAGI calculations for eligibility (if not, then does she have IRA, et...
by charleshugh
Thu Nov 08, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Loan/line-of-credit options to qualify for ACA subsidy?
Replies: 6
Views: 402

Loan/line-of-credit options to qualify for ACA subsidy?

My wife and I are 63 years old. I am retired and she has annual income of $25,000 which will end in the next year or so. Our annual budget is about $65,000. We own our home and have no debts. We have $1,100,000 in IRA. We plan to take SS at 70 which will provide us with an income of $64,000 (in toda...
by charleshugh
Tue Aug 14, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Freelance.com for landscape design assignment?
Replies: 1
Views: 264

Freelance.com for landscape design assignment?

I am looking to do a restoration of my swimming pool and concrete desk as well as some adjoining areas of our backyard. I would like to hire a landscape design professional on a freelance basis. I found the website - Freelance.com. Does anyone have any experience with this or a comparable website/se...
by charleshugh
Wed Aug 08, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Swimming Pool (in-ground) Restoration Advice?
Replies: 9
Views: 1730

Re: Swimming Pool (in-ground) Restoration Advice?

Just started getting quotes. I will keep you updated.
by charleshugh
Wed Aug 08, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Bonds during stock market correction?
Replies: 1
Views: 418

Bonds during stock market correction?

Quick question: What happens to government and corporate bonds if/when we have a significant market correction?
by charleshugh
Wed Jul 04, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Question about Cutting Cable
Replies: 18
Views: 2008

Re: Question about Cutting Cable

We spent $40 per month on 100 Mbps service from Verizon. I share a YouTubeTV account with my kids for $35 per month. YouTube TV can be shared with 5 family members and offers virtual DVR service as well as all local and sports channels and cable news. We love it. I share an HBO account with one of m...
by charleshugh
Wed Jul 04, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: Swimming Pool (in-ground) Restoration Advice?
Replies: 9
Views: 1730

Swimming Pool (in-ground) Restoration Advice?

I am identifying vendors to restore my 20 by 40 in-ground. The pool seems to be in good shape but the concrete in the pool has become very rough and I am losing trim tiles every year (which I repair). The pool is about 40 years old and we had it restored 17 years ago. I am also looking to replace co...
by charleshugh
Sat Jun 02, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 3546

June in Paris: What to (or not to) wear, see and do?

My wife and I are celebrating our 40th anniversary in France. I am curious about whether shorts and collarless shirts are ok for men? Are shorts ok for women? We will be in France (mainly Paris) and I would appreciate some suggestions for some offbeat things to see or do.
by charleshugh
Tue May 22, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: French hotel amenities...
Replies: 15
Views: 1467

French hotel amenities...

I am wondering if I should expect the following amenities in Paris and northern France:

Iron (and board)
Hair dryer
Washer and dryer (on premise)
Refrigerator

Thanks so much!
by charleshugh
Sun May 13, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Mobile WIFI in France?
Replies: 13
Views: 789

Re: Mobile WIFI in France?

My wife and I both have Moto G⁵S Plus (GSM Sim Card) smartphones.

So I could purchase a sim card (approx $10) and purchase a cellular data plan ... all for under $25 to $35?
by charleshugh
Sun May 13, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Mobile WIFI in France?
Replies: 13
Views: 789

Re: Mobile WIFI in France?

My wife and I fairly active tourists and our expectation is that we will walk a minimum of 8 to 10 miles a day. We want to be able to use Google (Search, Maps, Translate) as we traverse around France. We also have WIFI phones (Republic Wireless), so we will be able to make/receive calls via the WIFI...
by charleshugh
Sun May 13, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Mobile WIFI in France?
Replies: 13
Views: 789

Mobile WIFI in France?

I will be traveling to Paris, Loire Valley and Brittany for 3 weeks. I am thinking about renting a pocket-sized mobile WIFI device. Does anyone have experience and/or recommendations? How well do these devices work? Which vendor should I select? Anything else you can think of?

Thanks so much!
by charleshugh
Sun Mar 25, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: PA (or similar state) Auto: Full Tort vs Limited Tort?
Replies: 4
Views: 425

Re: PA (or similar state) Auto: Full Tort vs Limited Tort?

I live in Pennsylvania and have limited tort. I asked a family friend (an attorney whose firm specializes in personal injury) which option he selected and he said he had limited tort. He further explained that limited tort did not mean you couldn't sue. He said that if you are seriously injured (bro...
by charleshugh
Thu Feb 01, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance...Is it worth it?
Replies: 18
Views: 2787

Re: Travel Insurance...Is it worth it?

Check your credit card. The Chase Sapphire Reserve has trip delay, baggage delay, trip cancellation, trip interruption, and emergency medical up to $2,500 if you purchase your fare with the card. When I travel to remote locations, I typically purchase medical evacuation insurance separately from th...
by charleshugh
Thu Feb 01, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Travel Insurance...Is it worth it?
Replies: 18
Views: 2787

Re: Travel Insurance...Is it worth it?

Check your credit card. The Chase Sapphire Reserve has trip delay, baggage delay, trip cancellation, trip interruption, and emergency medical up to $2,500 if you purchase your fare with the card. When I travel to remote locations, I typically purchase medical evacuation insurance separately from th...
by charleshugh
Wed Jan 31, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance...Is it worth it?
Replies: 18
Views: 2787

Travel Insurance...Is it worth it?

My wife and I are planning a vacation in France for approximately 3 weeks this summer. Rick Steves tour and airfare to France (plus a week on our own) will be approximately $10,000. My wife and I are 62 and in excellent health. The "Travel Guard" insurance will be approximately $650. In your view, i...
by charleshugh
Mon Jan 29, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 2156

Paris Hotel Recommendations

My wife and I will be celebrating our 40th wedding anniversary with a trip to Paris. We are adding an extra week to a Rick Steves tour of France so we can spend an extra week in Paris. Does anyone have any hotel recommendations for mid-priced accommodations? Thanks!!!
by charleshugh
Tue Jan 23, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Medicare plan G supplement costs?
Replies: 15
Views: 1223

Re: Medicare plan G supplement costs?

https://www.medicare.gov/find-a-plan/results/medigapresults/medigap-view-all-policies.aspx I visited the Medicare site but was confused by Monthly Premium (betwwn $100 to $250) and the Estmated Annual Cost (Approx $5,500). I didn't see an explanation for estimated annual cost so I wasn't sure what n...
by charleshugh
Tue Jan 23, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Medicare plan G supplement costs?
Replies: 15
Views: 1223

Medicare plan G supplement costs?

How much should I expect to pay for plan "G" Medicare/Medigap insurance? I am currently 63 (living in Pennsylvania) and I am looking for an amount that I can use for my long-term budget.
by charleshugh
Fri Jan 19, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 3693

Re: Home Humidifier input please

I have an AprilAire 600 running in a 2800 Sq. foot house with forced hot air. In my experience, it has not been very effective in achieving 35 - 40 humidity. I keep my house reasonably cool (67 days - 60 nights) and have cranked the humidity control as high as possible...but we have not had great re...
by charleshugh
Thu Jan 11, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Rick Steves - France (or some other tour company)
Replies: 15
Views: 1778

Rick Steves - France (or some other tour company)

My wife and I are planning a 14 to 20 day vacation in France to celebrate our 40th anniversary. Three years ago, we ventured outside the U.S for the first time on a Rick Steves tour of Venice, Florence and Rome. We had a very good experience. This past year we did a Baltic Sea cruise via Holland Ame...
by charleshugh
Wed Dec 20, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRA withdrawals/contributions for 2017 taxes & ACA MAGI
Replies: 2
Views: 274

Re: IRA withdrawals/contributions for 2017 taxes & ACA MAGI

Thank you!

I am reading your other posts dealing with ACA. They are a great source of information. Thank you.
by charleshugh
Wed Dec 20, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: IRA withdrawals/contributions for 2017 taxes & ACA MAGI
Replies: 2
Views: 274

IRA withdrawals/contributions for 2017 taxes & ACA MAGI

I am aware that taxpayers can make contributions to their IRA accounts after December 31st. My understanding that contributions for tax year 2017 can be made up to April, 15 2017. ( Question #1 - Is this accurate?) Question #2 - Can I withdraw money from my IRA after December 31, 2017 but before Apr...
by charleshugh
Sun Dec 10, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Cell signal booster to fix -110 dBm 99aum signal strength
Replies: 9
Views: 834

Re: Cell signal booster to fix -110 dBm 99aum signal strength

I did. They suggest turning on Airplane Mode. But this means that every time I leave my house I have to remember to turn Airplane Mode off (or I won't get any calls or texts).
by charleshugh
Sun Dec 10, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Cell signal booster to fix -110 dBm 99aum signal strength
Replies: 9
Views: 834

Cell signal booster to fix -110 dBm 99aum signal strength

In my quest to reduce my mobile phone bill I have been using Republic Wireless MOTO G wifi phone for the past 3 - 4 years. Recently, I installed 3 Google WIFI devices in my house but my Republic Wireless service is still very unreliable when it comes to handling phone calls. I could switch to Verizo...
by charleshugh
Tue Dec 05, 2017 8:53 pm
Forum: Investing - Theory, News & General
Topic: Corporate & Treasury Bonds: Where's the risk?
Replies: 21
Views: 2656

Corporate & Treasury Bonds: Where's the risk?

"The risks from a big stock or bond market drop ‘are high and rising,’ government watchdog says" https://www.marketwatch.com/story/the-risks-from-a-big-stock-or-bond-market-drop-are-high-and-rising-government-watchdog-says-2017-12- I don't understand the risk aspects of corporate bonds and treasury ...
by charleshugh
Wed Aug 30, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 12058

Re: Living Expenses - what's "reasonable"?

Here is my actual budget for 2017. I am retired and my wife and I own our home in a HCOL area. I will be about $10,000 under budget this year. Health Insurance $6,000 Medical /Dental / Vision - Out of Pocket $6,000 Income Taxes - Federal/State/Local $3,500 Real Estate Taxes $6,500 Homeowners Insuran...
by charleshugh
Sun Aug 27, 2017 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Last Will & Testament web app
Replies: 3
Views: 680

Last Will & Testament web app

I am looking for a free (or inexpensive) web app to prepare a will and a living will. Any recommendations?
by charleshugh
Wed Aug 23, 2017 10:30 am
Forum: Personal Investments
Topic: Retiree portfolio - Should I move more $ into bonds?
Replies: 3
Views: 867

Retiree portfolio - Should I move more $ into bonds?

I am 62 and retired. Over the next 8 years, I will need to withdrawal about $30K per year from my Vanguard 401k. (I have other savings/income that will provide me with additional income. Once I turn 70, my spouse's and my SS will cover 75% of our expenses.) My portfolio is currently 51/49. I am look...
by charleshugh
Wed Jun 28, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 35907

Re: Early Retirement - what to do about healthcare?

The Affordable Care Act is based on income. You need enough income to avoid Medicaid but not so much income that you don't qualify for a generous subsidy from the government. 401k money counts as income. In my case, I will report income of approximately $35,000. This is from my wife's job and invest...
by charleshugh
Fri Apr 28, 2017 5:39 am
Forum: Personal Consumer Issues
Topic: Recommendations - Swimming Pool - Solar Cover
Replies: 8
Views: 1187

Recommendations - Swimming Pool - Solar Cover

I have a kidney-shaped, in-ground swimming pool (approx 20,000 gallons) that runs from 8' to 3" in depth. I live in Pennsylvania. I don't have a pool heater and I don't intend on purchasing one. I am looking for recommendations on solar blankets. How effective are they? I have seen advertisements fo...
by charleshugh
Thu Apr 06, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Cruise Advice???
Replies: 9
Views: 1255

Cruise Advice???

My wife and I are taking a Holland America 12-day Baltic sea cruise in June. This cruise stops at ports throughout Scandinavia. We purchased (and paid) directly from Holland America. FYI: We selected a mid ship stateroom (w/balcony) and we will not be purchasing any of the liquor/soda packages. This...
by charleshugh
Sun Apr 02, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 9239

Cost of Booze on a Cruise

My wife and I are taking a Holland America Baltic Sea cruise June (2017). We have not been on a cruise before and are wondering about the cost of wine and beer by the glass. HAL provides costs for various packages but I don't see cost per single drink. Also, I am wondering whether they offer craft b...
by charleshugh
Fri Mar 24, 2017 5:44 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 6760

Re: can't logon to vanguard account

Can't get on the site as of 6:43...but I received a text message with a security code.
by charleshugh
Sun Feb 19, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 7817

Re: Cheap, Non-Traditional Cell Phone Plans

Check out Republic Wireless.

This is a voip phone service that leverages your wifi.
When necessary it leverages the Sprint cellular network.

You will need to purchase a new phone, but depending on your circumstances your monthly feeds could easily be in the $20 range (as are mine).
by charleshugh
Sun Feb 19, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 8481

Re: Wifi Router Advice

WOW...your cable/internet bill is still high compared to our Comcast service. For the next year... I have 25 mbps Internet service with basic cable on 1 TV (with HD). Cable/Internet: $39.99 HD: $10 After 1 year, I will switch to Verizon FIOS for their best deal. Cable is connected to a netgear modem...
by charleshugh
Sat Feb 18, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 71
Views: 7254

Re: New cars or Pool?

My wife and I love our pool. Our four kids used it extensively when they were growing up. Even if we don't go swimming, my wife and I enjoy an evening cocktail poolside throughout the spring, summer and early fall. I won't say pools are a better value. (Though buying a new car is never a good value....
by charleshugh
Sat Feb 11, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: What percent of S&P, Dow and Nasdaq are owned by mutual funds?
Replies: 2
Views: 716

What percent of S&P, Dow and Nasdaq are owned by mutual funds?

I am thinking about the difference between actual value and perceived value. I am thinking that the stock indexes are much more susceptible to emotional thinking/investing as compared to mutual funds. I would be interested in your thoughts and any links you can provide. Thanks so much. Charles Hugh
by charleshugh
Fri Dec 30, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3741
Views: 1077921

Re: What Book Are You Currently Reading? Part VI

Michael Lews - The Undoing Project.

Quarter of the way in and I love it!
by charleshugh
Fri Dec 30, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Analyzing schools for an advanced child
Replies: 65
Views: 5492

Re: Analyzing schools for an advanced child

Two of my children, who graduated from average grade/high schools, went on to obtain a PhD and are now professors at two different universities. I think good/excellent students will thrive in almost any academic environment. In my view, it is difficult to accurately evaluate/compare educational inst...
by charleshugh
Fri Dec 30, 2016 4:40 pm
Forum: Personal Investments
Topic: Should I use real or nominal ROI?
Replies: 3
Views: 542

Should I use real or nominal ROI?

My financial plan is broken down into two areas: (1) expenses and (2) assets/ROI. The expense portion of my plan includes two inflation scenarios (1.5% and 2.42%). In addition to inflation, I also account for taxes on the expense side. Since I account for inflation on the expense side of the ledger,...
by charleshugh
Mon Dec 26, 2016 7:45 am
Forum: Personal Consumer Issues
Topic: Fitness Tracker Recommendation Please
Replies: 9
Views: 1128

Fitness Tracker Recommendation Please

I received a Samsung Gear Fit2 as a Christmas Gift. Unfortunately, it is not compatible with the bluetooth software used by my Republic Wireless Moto 3rd generation phone. I am returning the Fit2 to Amazon and would like to purchase another brand. Any recommendations would be appreciated.
by charleshugh
Sun Dec 18, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 15993

Re: Cutting cable cord...

I cut the cord a couple of years ago. I use MOHU Leaf for broadcast channels. I have subscriptions (some shared) for Netflix, HBO, Amazon Prime and YouTube Red (which includes Google Music and commercial free YouTube). Google Music allows you to download an unlimted number of songs for off-line play...