Search found 1015 matches

by teacher
Thu Jan 10, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2858

Re: Your Vanguard Page

Fundhunter wrote: Most all financial advisors recommend that all withdrawals come from cash/short term fixed income position, not from equities. I would be withdrawing from the Stable Value fund for RMDs and replenish it with TSM funds when the market is up, but alas, the 401k is in AT&T funds throu...
by teacher
Thu Jan 10, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2858

Re: Your Vanguard Page

I tend to log on frequently when the market is going up for a sugar high, but not so much when the market is tanking. I never sell by choice in either case. But with the RMD requirement, we are forced to do market-timing; avoid required withdrawals when the bear is beating the bull.
by teacher
Thu Jan 10, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5251

Re: BHers, what is your Roth IRA %?

We converted funds from a 401k and 403b to ROTHs as much as taxes made feasible until the age of 70.5 when RMD "income" precluded any more ROTH conversions, leaving 43% in our ROTHs. RMDs put us in a high tax bracket and increase Medicare costs. I am telling my sons to shelter in a ROTH as much as t...
by teacher
Tue Jan 01, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8104

Re: Saving at Costco

I live exactly 2.3 miles from Costco, a seven minute drive. Our nearest grocery store, Bel Air (Raley's) is 3 miles away. My first stop is Costco, then Bel Air, if need be. Both stores have friendly workers, but Costco workers seem happy, which can be expected because they are treated very well by t...
by teacher
Mon Dec 31, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118681

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Does anyone have a handy list of crossover SUV's that don't have the potential for the oil gas-dilution issue?
by teacher
Mon Dec 31, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118681

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I have a 2012 CRV, and to date, have not experienced the oil gas-dilution issue. DH is planning to buy a 2019 CRV, but this thread has raised concerns. I have read much of this thread and have not seen an answer to this question: ~How does environmental temperature impact the gas-dilution issue? Is ...
by teacher
Sun Dec 30, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 121
Views: 13596

Re: Spam calls to cell phone...

Here's how to hang up on unknown or unwanted callers without answering first on an iPhone: Press the Off button (Sleep button) on the upper right side of the phone twice. I haven't tried this, but apparently, you can make the red Hang-Up button appear by tapping the name/number of the person calling...
by teacher
Sun Dec 30, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8104

Re: Saving at Costco

Dr Google said:
I think it was $14.99 when I purchased it before Christmas.
You are right, but the price has changed, up a dollar since before Christmas. Still a good deal, though.
by teacher
Sun Dec 30, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8104

Re: Saving at Costco

Today, I bought a 6.4 lb. Beef Standing Rib Roast, USDA Prime @ $15.99/lb at Costco for New Year's Day dinner.
Is it a good deal? I trust it is. I would have to go to Whole Foods and pay their prices to get USDA Prime beef if Costco didn't offer it to their customers.
by teacher
Sat Dec 15, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19502

Re: Favorite Purchase of 2018?

One year online subscription to the "New York Times" for $.99 a month.
by teacher
Sat Dec 01, 2018 12:12 am
Forum: Personal Consumer Issues
Topic: Warm Sleepwear
Replies: 21
Views: 2516

Re: Warm Sleepwear

In addition to flannel night gowns or flannel PJs, consider a "bed jacket". If she is still cold wearing flannels, the bed jacket is extra insurance she will be cozy while sleeping or sitting up in bed. Something like this: https://www.amazon.com/Cera-Womens-Button-Front-Medium/dp/B01M3SQ0HP/ref=sr_...
by teacher
Thu Nov 29, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Sell Individual Stocks or Just Keep Them To Avoid Commissions?
Replies: 31
Views: 1921

Re: Sell Individual Stocks or Just Keep Them To Avoid Commissions?

Except what happens is that when companies get so ruthless, costs get shifted to the taxpayer. Why do you think we spend billions on the Earned Income Credit and the Child Tax Credit? People aren't making enough from their jobs to support their families so we have to subsidize them through the tax ...
by teacher
Wed Nov 28, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Individual Stocks or Just Keep Them To Avoid Commissions?
Replies: 31
Views: 1921

Re: Sell Individual Stocks or Just Keep Them To Avoid Commissions?

White Coat Investor’s logic about why and how Fidelity will run funds below cost is sound, and the follow-up comments are enlightening. • Vanguard has the largest index funds, thus they benefit the most from economies of scale. • Vanguard operates at cost. • Therefore, an index fund that charges les...
by teacher
Wed Nov 28, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Individual Stocks or Just Keep Them To Avoid Commissions?
Replies: 31
Views: 1921

Re: Sell Individual Stocks or Just Keep Them To Avoid Commissions?

Having turned 70.5 this year, DH will pay RMD taxes and reinvest the remainder for the first time. His 401k is at Fidelity; all other investments are at Vanguard, where we made our first investments and where we have most affinity of the two investment organizations. Our plan was to reinvest the rem...
by teacher
Wed Nov 21, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17481

Re: Don't pay full price for SiriusXM radio

We have been unwittingly paying $149.99 twice a year for full service (including access on my iPhone), a far cry from the promotional rate we started with in 2012. Motivated by this thread, I just called SiriusXM and told them to cancel it due to cost. They did their magic and reduced the payment to...
by teacher
Wed Nov 21, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17481

Re: Don't pay full price for SiriusXM radio

We listen to Sirius XM "tune-in" on Alexa. Is it available to people without a Sirius subscription, or are we listening to free podcasts?
by teacher
Wed Nov 21, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15215

Re: Black Friday 2018

"Doorbusters" sounds like too much turmoil for my taste. I'll sit it out like always.
by teacher
Wed Nov 21, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17481

Re: Don't pay full price for SiriusXM radio

Good idea, gclancer. Thanks.
by teacher
Wed Nov 21, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17481

Re: Don't pay full price for SiriusXM radio

Very good advice on this thread, BUT how does one find out when the renewal date is? I have had Sirius XM radio for years and have no clue what the initial subscription date was.
by teacher
Tue Nov 20, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 167
Views: 14537

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Haven't taken our RMDs yet, so hoping for a Christmas Rally. At least it's somewhat consoling we haven't tanked to my 2424 prediction.....yet. :shock:
by teacher
Fri Nov 02, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2288

Re: What does your gut tell you; RMD now or in December?

Nowizard Worte: Are you sure you must draw from each fund rather than from the total of each retirement account which may contain several funds? I am absolutely sure. I have spoken to two Fidelity representatives about this AT&T requirement. They said AT&T does not allow choosing a fund from which t...
by teacher
Fri Nov 02, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2288

Re: What does your gut tell you; RMD now or in December?

billfromct wrote: I will be taking my 2019 RMD from the ST Bond Fund in my rollover IRA ….I will then rebalance my IRA to my 60%/40% IRA allocation depending on stock market conditions. I will not rebalance in a down stock market….I will be able to ride out any correction/bear market without needing...
by teacher
Thu Nov 01, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2288

Re: What does your gut tell you; RMD now or in December?

Wizard said: I'm planning on splitting my RMD into twelve equal amounts taken the 20th of each month starting in January 2020, the year I turn 70.5. And delemar suggested: Split it between now and December? This sound like dollar-cost averaging in reverse. Brilliant. Hopefully, there are no tax cons...
by teacher
Thu Nov 01, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2288

What does your gut tell you; RMD now or in December?

I am a big advocate of not timing the market, so we decided to wait to do our first RMDs until the end of the year to allow the possibility of growth and continue tax-deferment as long as possible rather than sell when we think the market is at its peak. Sixty percent of our portfolio is in the RMD ...
by teacher
Tue Oct 23, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: CalSTRS or CalPERS?
Replies: 1
Views: 225

Re: CalSTRS or CalPERS?

Welcome to the forum!

Here's an interesting thread on the topic:
Stay with CalSTRS or move to CalPERS?
viewtopic.php?t=148622
by teacher
Tue Oct 09, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118681

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Toyota has had a history of multiple recalls due to various braking problems since 2009, and in 2014, an "unintended acceleration" problem.
That would concern me even more than the oil-gas dilution issue.
by teacher
Tue Oct 09, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118681

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

DH was planning to buy a 2019 Civic next year.
Would you?
In light of Honda's promised fixes, is it advisable to buy a new one already on the car lots?
by teacher
Wed Jun 13, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 116700

Re: Anyone regret paying off mortgage early?

fcfa8 wrote:
during that period, I believe bond paid something like 10%?
To illustrate your point.....http://pages.stern.nyu.edu/~adamodar/Ne ... retSP.html
by teacher
Sun Jun 10, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 9375

Re: Don't make the mistake I made (Telemarketing hell)

One solar company offering free, government sponsored, solar hookup called so many times, I started counting the calls.....nearly 50 from multiple numbers. So now, unless I recognize the number, I don't answer the phone. I figure, if it's important, they will leave a message.
by teacher
Sun Jun 10, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 19544

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

California has a "Middle Class Scholarship". The Middle Class Scholarship (MCS) provides undergraduate students, including students pursuing a teaching credential, with family incomes and assets up to $171,000 a scholarship to attend University of California (UC) or California State University (CSU)...
by teacher
Sat Jun 09, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Sacramento Home Owners - House Areas/Questions
Replies: 16
Views: 2209

Re: Sacramento Home Owners - House Areas/Questions

Everything mentioned by posters rings true to me. I can only add something my father pointed out to us when we first moved to Carmichael from Wichita. Most summer nights, the Delta Breeze cools everything down, and if you have a whole house fan, you have Nature's AC. Once you get to the foothills, y...
by teacher
Sat May 26, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 6290

Re: Florida Living

Probably the least important of of your criterion, but here are the Whole Foods locations in Florida: https://www.google.com/search?client=safari&rls=en&q=whole+foods+locations+in+florida&npsic=0&rflfq=1&rlha=0&rllag=32346565,-100807827,2031380&tbm=lcl&ved=0ahUKEwiJvYWqkqTbAhVCNH0KHRdCBAkQtgMIOw&tbs...
by teacher
Fri May 18, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 10370

Re: Solar panels

We would have solar panels installed in a heartbeat if it weren't for several Canary Island Pines we planted 35 years ago shading a large portion of our roof. Even though they are lush, and they cool the house naturally on summer days, our decision to plant them precludes taking advantage of much lo...
by teacher
Thu May 17, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1978

Re: Roof TV Antenna Recommendation Needed

I shared this thread with DH since finding an antenna replacement is really his bailiwick. He found several ideas and recommendations most helpful. He said after reading the thread, it seems all reasonable roads lead to a mid range YAGI arial close to the size we had. Channel master and Wineard seem...
by teacher
Wed May 16, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1978

Re: Roof TV Antenna Recommendation Needed

5th_Dimension wrote: ….you already have the information you need because you had an antenna that worked. Look for an antenna that is approximately the same size and configuration to the one that fell down. The science behind antennas hasn't changed much, so don't be fooled by promises of being able ...
by teacher
Wed May 16, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1978

Re: Roof TV Antenna Recommendation Needed

oldcomputerguy wrote: Are you actually 100 miles from the transmitting towers? If so, I'm surprised you were able to get anything at all. At the station where I worked, we considered 75-80 miles to be marginal. We are actually about 65-70 miles from the furthest tower with good transmission, but DH ...
by teacher
Wed May 16, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1978

Roof TV Antenna Recommendation Needed

We don’t have cable or dish; OTA broadcast is sufficient for us. But, a 22 mph breeze brought down our 38 year old Sears roof antenna recently, and we are looking for a replacement that can handle 4K, Hi-VHF, UHF TV and Sirius XM Satellite Radio reception with a range close to 100 miles. Surprisingl...
by teacher
Sat May 12, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118681

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Thanks CULater. I hope this thread continues until there is a definitive correction, as DH is hoping to buy another CR-V EX or EX-L next year. We have had CRVs since their inception.
by teacher
Sat May 12, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118681

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Do we know what year the oil-gas dilution issue reared it's ugly head? I have a 2012 CR-V EX with about 60,000 miles on it.
by teacher
Sun May 06, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118681

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

We are considering buying another CR-V next year, our fourth. This thread is very concerning and full of useful information, so I am posting to be alerted when new posts are added.
by teacher
Wed May 02, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 3389

Re: 401k Stable Value Fund Rates?

I am surprised to see Stable Value yields as high as reported on this thread. Here's ours, a 401(k) AT&T SV fund through Fidelity:
0.78% YTD
2.32% 1 Yr
2.36% 3 Yrs
2.31% 5 Yrs
2.98% 10 Yrs
The ER is .31%
I can say this for it....It's been pretty stable since we got into the fund in 2014.
by teacher
Mon Apr 30, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 12737

Re: Larry Swedroe: Financial Perils Of Old Age

A year after my dad died, my mom, a retired RN in her mid 60’s, bought a two bedroom home in a new development a couple blocks from our house. Close proximity allowed active involvement with family and her church. Mom lived in her home until the age of 92 when her health declined and she could no lo...
by teacher
Thu Apr 26, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 11549

Re: How did you tell the boss you're leaving/retiring?

My retirement crept up on me. I still loved my job teaching, but my mother's declining health and the birth of my first grandchild were factors that finally influenced my decision, in late May, to retire. I had three bosses; the most immediate had the least involvement and interest in my program, so...
by teacher
Tue Jan 09, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 167
Views: 14537

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2424
First year I have been pessimistic. I hope I'm wrong, but what goes up must come down.
by teacher
Mon Jan 08, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Zacks Investment Research vs Morningstar
Replies: 4
Views: 1101

Re: Zacks Investment Research vs Morningstar

Thank you. I was introduced to M* on this board and use it to get background data on our funds. We are staying the course, but we all have biases we like confirmed. :happy
by teacher
Mon Jan 08, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Best online calculator(s) for state income taxes?
Replies: 9
Views: 1414

Re: Best online calculator(s) for state income taxes?

I don't know if it is the "best" but for a ballpark figure, I have used this:
https://smartasset.com/retirement/retirement-taxes
by teacher
Mon Jan 08, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Zacks Investment Research vs Morningstar
Replies: 4
Views: 1101

Zacks Investment Research vs Morningstar

Hopefully, this isn't a stupid question. After reading this article that encourages skipping (VGHAX) for other health care sector funds (not mentioned), I doubt the veracity of "Zacks Investment Research", because Moringstar states, "Vanguard Health Care continues to shine as one of the industry's b...
by teacher
Fri Jan 05, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 3102

Re: RMD First-Timer needs help

Lynetter wrote:
QCDs can only be taken from IRAs and not 401K.
Well, that squashes that idea. I plan to do my last ROTH conversion with the last bit of my tIRA this year. I wonder why 401ks don't qualify for QUDs. A Medicare IRMAA reduction would be most appreciated.
by teacher
Thu Jan 04, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: RMD First-Timer needs help
Replies: 33
Views: 3102

Re: RMD First-Timer needs help

I appreciate these added details very much. It's the kind of background information I need. Even though I will use Fidelity's calculations, etc., I feel I can double check the withdrawal amounts independently, now. I'm so glad I posted this thread.