Search found 226 matches

by jcar
Wed Jan 22, 2020 10:18 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 302
Views: 14377

Re: Sad news: LadyGeek's husband has passed

LG my condolences. You'll be in my prayers. Thanks for all you do year round.
by jcar
Mon Jan 20, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 119
Views: 8334

Re: If you could only listen to one podcast...

JAZZISCOOL wrote:
Sun Jan 19, 2020 6:52 pm
Criminal

https://thisiscriminal.com/

"Criminal Is A Podcast About Crime
Stories of people who’ve done wrong,
been wronged, or gotten caught somewhere in the middle."
I checked out criminal last night. A really interesting program based on the one I heard. Thanks for the suggestion!
by jcar
Thu Dec 26, 2019 10:42 am
Forum: Investing - Theory, News & General
Topic: Is there ever a good time to sell and lock in ?
Replies: 84
Views: 5863

Re: Is there ever a good time to sell and lock in ?

Forget trying to time the market. One who even watches the market is making a big mistake. Buy low-cost index funds through thick and thin and go enjoy life. This writer has it right I believe. At a Christmas party I heard a couple of people talking about watching market pricing throughout each day...
by jcar
Tue Dec 17, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3091

Re: Strategy to work a deal when buying a car

There are many posts, but here's one that laid out a process In short Settle on the vehicle you want (make, model, trim, accessories) email as many dealers as possible in a driving area... for us it's 3 hours Ask for out the door pricing, all fees they will charge you refuse to talk by phone, all b...
by jcar
Fri Dec 13, 2019 10:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Forced Liquidation of Holders of UBS ETRACS Exchange Traded Notes
Replies: 16
Views: 1467

Re: Vanguard Forced Liquidation of Holders of UBS ETRACS Exchange Traded Notes

Certainly these notes are rather far out on the risk spectrum. Still I find amazing there dictating to clients how and in what products they can invest. I'm a long time Flagship client but a few months ago I did a significant in kind transfer to another brokerage. I'm just not as comfortable with cu...
by jcar
Thu Nov 28, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 4801

Re: New Phone Scam - Up A Notch

I find it amazing that an investment company, J D Mellenberg calls me very few months using a spoofed location and number then proceeds to pitch me on investing with them. I've pointed out repeatedly who would consider sending money to anyone who starts out intentionally lying and misleading. The gu...
by jcar
Fri Nov 15, 2019 10:15 am
Forum: Personal Investments
Topic: Did anyone get this email from Vanguard?
Replies: 7
Views: 738

Re: Did anyone get this email from Vanguard?

I'm a Flagship client and did not receive. It is curious.
by jcar
Mon Nov 11, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 60
Views: 5536

Re: Dental Insurance

If your a veteran check with VA about a plan they offer for a married couple via Delta Insurance. I've been told by others it is quite comprehensive with all services being covered. Good luck.
by jcar
Sun Nov 10, 2019 2:10 pm
Forum: US Chapters
Topic: U. S. Marine Corps Birthday
Replies: 22
Views: 1850

Re: U. S. Marine Corps Birthday

Semper Fi.
1970
by jcar
Sun Oct 27, 2019 9:29 pm
Forum: Personal Investments
Topic: Ways to avoid account transfer fees between brokerages?
Replies: 15
Views: 1034

Re: Ways to avoid account transfer fees between brokerages?

I got hit with a $95 fee per account with Wells Fargo when I moved funds. I moved 3 account, so $285. In hindsight, I should have left $1 in there just for spite. Ive done business there for decades also. Really soured me even further to where I plan to move it all out. I personally think there sho...
by jcar
Sun Oct 27, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 4887

Re: Folks age between 65-70. What’s your exercise routine

I was a runner who ran for 48 years. Gave it up and switched over to swimming 1200 meters 4 days per week. Walk on off swim days. Also do planks and modified sit ups five days per week. I'm 67 and I've been told by my physician in excellent condition.
by jcar
Sat Oct 26, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship clients no longer have a personal rep
Replies: 48
Views: 4805

Re: Flagship clients no longer have a personal rep

I was personally told by my VG rep this was happening. I agree that it saves repeating any issues in detail. I made the decision last week to move all my non VG investments away from them to another brokerage. I did leave my VG funds there with the exception of one that I moved that triggered a larg...
by jcar
Sun Oct 13, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 55
Views: 5298

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

No doubt, all realtors are chasing the commission, nothing else. I've been through your same scenario, basically twisting there arm to make them do their job. Always verify personally work has been done properly BEFORE closing. Has anyone ever to.ed a claim with real estate licensing board after a c...
by jcar
Sat Oct 12, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 55
Views: 5298

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

I've sold and bought many properties over the years. I've found that realtors fulfill only one purpose, to locate a buyer or seller, nothing more. I sold one about 6 weeks ago where the agent was supposedly representing me. When it appeared she was feeding my thoughts on negotiation to seller I aske...
by jcar
Fri Sep 20, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 5136

Re: Dental Insurance for Retirees

The New York Times had an article titled More Fun Than Root Canals? It’s the Dental Vacation --- https://www.nytimes.com/2008/02/07/fashion/07SKIN.html That might be a good option depending on what dental procedures you require. Otherwise for simple things like fillings I would recommend paying out...
by jcar
Fri Sep 20, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 5136

Re: Dental Insurance for Retirees

The New York Times had an article titled More Fun Than Root Canals? It’s the Dental Vacation --- https://www.nytimes.com/2008/02/07/fashion/07SKIN.html That might be a good option depending on what dental procedures you require. Otherwise for simple things like fillings I would recommend paying out...
by jcar
Wed Sep 18, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2043
Views: 353527

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So if you move 200k now then 200k a month later does that double the bonus. Thanks
by jcar
Fri Sep 13, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Brokerage Transfer Fee [Merrill Edge]
Replies: 13
Views: 2568

Re: Avoiding Brokerage Transfer Fee [Merrill Edge]

I'm considering leaving Vanguard for Merrill Edge. They've offered some nice incentives and I was told yesterday Vanguard is moving away from the Flagship personal advisors. I'M considering leaving some money at vanguard. Does this present any problem for anyone who has ever done this. Has anyone ha...
by jcar
Thu Sep 12, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4759

Re: [Buying 1/2 pint milk in bulk for school lunches?]

Actually 1/2 pint milk pricing is now under investigation in a few states for price fixing. Contact your local school board and you might be shocked at how much they pay and the lack of availability not because dairies don't package but they geographically limit the areas where they deliver so you e...
by jcar
Thu Sep 12, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 5057

Re: Calling all iPhone SE Bogleheads

Love the SE, especially the size. For some reason it will not count the stairs climbed like other phones however. Has anyone found a way to make the SE count stairs climbed? Thanks.
by jcar
Wed Sep 11, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 5057

Re: Calling all iPhone SE Bogleheads

I would think that this phone is what the majority of Bogleheaddom has. It is the least expensive iPhone (I think) and has enough bells and whistles to meet most needs. On the how old is your cellphone thread, I saw at least three of you with iPhone SEs :-) We've purchased a few SEs in our househol...
by jcar
Wed Sep 04, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Different type of credit card question
Replies: 2
Views: 413

Different type of credit card question

I know the site has often times dealt with card questions that relate to rebates , points, etc. Mine differs a bit. I've been with Citi Card with the 2% cash back for sometime. They recently eliminated many card benefits. The one I felt was important was the travel protection coverage. Basically if ...
by jcar
Sun Sep 01, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds - How Your Spouse can Quickly Cash in I Bonds
Replies: 58
Views: 4983

Re: I Bonds - How Your Spouse can Quickly Cash in I Bonds

My wife went to cash in paper U.S. savings bonds recently and was told by bank they don't do this any longer. This was at Wells Fargo. I thought banks were required to cash these. Any one know for certain. Thanks.
by jcar
Fri Aug 02, 2019 10:03 pm
Forum: Personal Investments
Topic: Using IRA money to purchase an investment property
Replies: 11
Views: 1519

Re: Using IRA money to purchase an investment property

I was told owner relatives must stay arms length away and not ever use even by renting. One of the penalties was literally being from all tax deferred status on your entire holdings. That would be a back breaker.
by jcar
Fri Aug 02, 2019 9:59 pm
Forum: Personal Investments
Topic: Bob Brinker Retirement
Replies: 37
Views: 8371

Re: Bob Brinker Retirement

I dug way back and you deduced correctly. I did , as you say, loosely follow his direction and it worked out quite well. After this I pretty much decided timin or jumping around did not appeal to me.
by jcar
Thu Aug 01, 2019 4:41 pm
Forum: Personal Investments
Topic: Bob Brinker Retirement
Replies: 37
Views: 8371

Re: Bob Brinker Retirement

I followed his adcice twice as I recollect. In the very late90s or perhaps in early 2000 he recommended selling equitiesincluding funds. I followed his advice and I believemoved to bond funds he recommended. It worked out quite well. Later thatsame yearhe referred to "scalping profitsout of a bear m...
by jcar
Tue Jul 30, 2019 8:49 am
Forum: Personal Investments
Topic: Using IRA money to purchase an investment property
Replies: 11
Views: 1519

Re: Using IRA money to purchase an investment property

I told everyone I'd report back after receiving information. Definitely not for me. Rules are quite strict and penalties for violating the rules are hefty. The program is so restrictive I don't understand why it is even available. Also fees from administrator are high and recur annually.
by jcar
Tue Jul 30, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Bank asks for photo ID for beneficiary: is this normal?
Replies: 23
Views: 1862

Re: Bank asks for photo ID for beneficiary: is this normal?

I believe I'd find somewhere else to do business. They may add your POD to some aggravating mailing lists.
by jcar
Sun Jul 28, 2019 9:36 pm
Forum: Personal Investments
Topic: Using IRA money to purchase an investment property
Replies: 11
Views: 1519

Re: Using IRA money to purchase an investment property

Thank you all for your prompt responses. I'll report back what I learn in the next couple of days.
by jcar
Sat Jul 27, 2019 12:49 pm
Forum: Personal Investments
Topic: Using IRA money to purchase an investment property
Replies: 11
Views: 1519

Using IRA money to purchase an investment property

I'm presently selling a long time held house that has been a rental. I close the deal next week. I've been planning on how to spend money, preferably on a lake property I can rent part time. I've located something I like and was surprised to hear from sales guy I could purchase using my IRA. The pro...
by jcar
Sat Jun 08, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17894

Re: Insights from Vanguard

bondsr4me, I asked if we could come & take the Vg reps to lunch. They thanked me, but said their ethics policy wouldn't allow it. So, we settled for a face-to-face in a conference room at their place. I took the whole family! Was perhaps the best investment meeting we've ever had. I cannot say enou...
by jcar
Sat Jun 08, 2019 6:45 pm
Forum: Personal Investments
Topic: What to do when you can no longer invest in a Roth IRA?
Replies: 5
Views: 877

Re: What to do when you can no longer invest in a Roth IRA?

I experienced the situation of being "limited out" of Roth for a long time. When I retired I've been putting in via backdoor up to the limit without going into next tax bracket. I also have a part time job to keep busy so I can contribute those funds as well which I've been doing. With the monies I ...
by jcar
Sun Jun 02, 2019 5:22 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 8503

Re: Do you regret taking a pay cut for quality of life?

In 1990 I took an 11% pay cut to relocate from Morristown, NJ to NC with a full relocation package from my employer. I bought a nicer home for 50% less, cut property tax about 70%, reduced auto and homeowners about 40% and had a reduction in pretty much every other category that exists. Eighteen mon...
by jcar
Thu May 30, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 18104

Re: Fun paid jobs after FIRE

I indulge my hobby by working as a lifeguard. Plenty of work available, I set my own hours and really enjoy.
by jcar
Mon May 27, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: Any one ever use paid subscriptions from Seeking Alpha ?
Replies: 18
Views: 1871

Re: Any one ever use paid subscriptions from Seeking Alpha ?

There are some good articles on seeking alpha but they are mixed in with a lot of crap. I have trouble imaging the paid version is worth it. I agree. My problem is so many SA writers use pen names who are selling a supposed information service. The free side is fine for ideas, but not much else.
by jcar
Mon May 20, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Completely freaked out about withdrawing from retirement accounts....
Replies: 75
Views: 10948

Re: completely freaked out about withdrawing from retirement accounts....

Reference the bond fund the OP mentions. Several states offer a similar "guranteed " type plan for employees. I suspect the taxpayer ultimately underwriters.
by jcar
Fri May 10, 2019 5:57 pm
Forum: Personal Investments
Topic: VG int bonds vs total bond funds
Replies: 1
Views: 378

VG int bonds vs total bond funds

I've been a forum member here for awhile and have learned immensely from my fellow members. In my IRA I presently hold VBTLX and VTABX. There is now a significant difference between the yield of these two index funds. The holdings are basically 50-50% split. Both are rated by VG as a 2 on the risk s...
by jcar
Sun May 05, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 188
Views: 21161

Re: Just Bought an Annuity

Out of curiosity....it seems that you intentionally did NOT choose to go with a variable annuity . May I ask why not? Greenman72: This is why I would never buy a Variable Annuity: ONE FAULTY INVESTMENT Best wishes. Taylor I just read the article you attached. Drives home the point, Caveat emptor!
by jcar
Fri May 03, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Rotational Program at MegaCorp for college grad hires
Replies: 40
Views: 2703

Re: Rotational Program at MegaCorp for college grad hires

What the OP references is a program with large companies that was quite common in the 80s and 90s. It began to make a comeback especially with European dominated businesses about 5 years ago. When I was part of this in the mid 70s era we referred to it as the gifted child program. This was tremendou...
by jcar
Thu May 02, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard randomly not reinvesting dividends
Replies: 37
Views: 4735

Re: Vanguard system glitch?

Interesting, when I reviewed this morning my dividends and distributions for 2019 ytd vs, ytd 2018 it was considerably less, about 10%. When I reviewed each individual holding for the same period every holding had grown in income thus far in 2019. The totals make no sense on Vanguard.com. I'm awaiti...
by jcar
Sun Apr 28, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: How to define wealth
Replies: 51
Views: 5228

Re: How to define wealth

Wealthy is having the cash flow from your investments to cover your lifestyle. To often the folks on this site focus on a net worth number (as if net worth is a consistent number for everyone) that means, you are on track, wealthy, retirement or some other goal. Check your goal against your cash fl...
by jcar
Mon Apr 22, 2019 9:29 pm
Forum: Personal Investments
Topic: Taxable Brokerage Fund Question
Replies: 23
Views: 1890

Re: Taxable Brokerage Fund Question

I've been out of the Corps many years now but would it not be advantageous to make a no income tax state your home state. Perhaps Florida, Nevada or others. Is that no longer allowed? Semper Fi.
by jcar
Mon Apr 22, 2019 9:21 pm
Forum: Personal Investments
Topic: Getting through a 2008-like crash during retirement
Replies: 38
Views: 5363

Re: Getting through a 2008-like crash during retirement

Some put a portion of their fixed income holdings into CASH, such as a MMF. Some hold up to 7 years, or more, this way. That way any long term downturn has little to no effect. [/quote I do think this is the best approach, though I hold 4 years in MM and CDs. For my usual times I now just tap divid...
by jcar
Sun Apr 21, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Aloft Tampa Downtown-Late April 4 nights
Replies: 8
Views: 941

Re: Aloft Tampa Downtown-Late April 4 nights

In Hyde Park there is a Marriott as well. Nice rooftop bar and a few great restaurants including an iconic steak joint across the street. Have fun.
by jcar
Fri Apr 19, 2019 10:16 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 10202

Re: Thinking about selling stocks near all time highs

If it helps you sleep better I say go for it. I would not be concerned about cap gains, just allow the money to cover them. I've done the same in lesser quantities in past with no regrets. I'm mid 60s and right at 50-50 allocation now. Enjoy your gains and spend them on something, don't just sock it...
by jcar
Tue Apr 09, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: What websites do you use for the latest investing news?
Replies: 51
Views: 4558

Re: What websites do you use for the latest investing news?

So much of the so called investing news is just hype being engendered by press releases being sent out by companies and brokerages to news outlets. This makes the news organizations job much easier. I used to see this in my job prior to retirement. I would treat the "news" as entertainment only.
by jcar
Sat Apr 06, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: Any tips for getting status back with American?
Replies: 17
Views: 2129

Re: Any tips for getting status back with American?

I retired almost two years ago. Until then I had the top tier with AA due to flying quite often. Since then they made me a lifetime gold member I believe it's called. I get priority boarding and an extra bag check. I've been using frequent flyer miles since retirement. I noticed in FLL last week the...
by jcar
Mon Apr 01, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Redoing lawn with bermuda
Replies: 25
Views: 2381

Re: Redoing lawn with bermuda

I'm considering redoing my yard in Bermuda as well. I'm located in NC and we have hot humid temps. Most people use fescue but the Bermuda lawns I've seen around my home seem healthy and seem to require less work. Any thoughts on planting a Bermuda lawns would be appreciated. Thanks :D
by jcar
Sat Mar 30, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about going into sales from engineering
Replies: 39
Views: 3127

Re: Thinking about going into sales from engineering

An engineering degree, regardless of specialty is a plus always in the U.S. I retired less than two years ago from a carrer in sales and sales management. Of the eight counterparts I had globally all had engineering degrees except myself. I found the my jobs quite rewarding both financially and pers...