Search found 87 matches

by Golfview
Wed Jan 29, 2020 3:54 pm
Forum: Personal Investments
Topic: Moving everything to Vanguard
Replies: 12
Views: 1622

Re: Moving everything to Vanguard

I'm not sure but I think if you ask if they can do a in house tranfer your money can transfer the same day so that you aren't out of the market for a few days where you could as Leo loose more money also.
by Golfview
Tue Jan 21, 2020 7:32 pm
Forum: Personal Investments
Topic: Is ibond always better than taxable?
Replies: 42
Views: 2587

Re: Is ibond always better than taxable?

I Bonds are not taxed at the state and local level but are fully taxed at the federal level!
by Golfview
Tue Dec 17, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Best Way to Get Additional Car Key(s)
Replies: 9
Views: 1075

Re: Best Way to Get Additional Car Key(s)

I had a plain key without the buttons to use in the event of an emergency ,didn't have a security code of anything for my 2007 toyota Camry and it was just only a couple of dollars!
by Golfview
Fri Nov 29, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for 64 yr old until Medicare
Replies: 10
Views: 984

Re: Health insurance for 64 yr old until Medicare

Go to Healthcare.gov to see the different health plans and subsidy available,it is very helpful if you decide not to go with cobra .
by Golfview
Sun Nov 17, 2019 5:29 pm
Forum: Personal Investments
Topic: Separate $ in...retirement??
Replies: 38
Views: 3703

Re: Separate $ in...retirement??

I think I would be thankful that I had a wife that contributed more then her share of money over the years with a greater income then I had,she has always come through for you so why are you feeling she would stop now?Be grateful you've had a generous and hard working wife!
by Golfview
Sun Nov 17, 2019 5:16 pm
Forum: Personal Investments
Topic: Obamacare limits investing opportunities?
Replies: 36
Views: 3721

Re: Obamacare limits investing opportunities?

You can contribute to a traditional IRA for you and your spouse and reduce your your income by the same amount!
by Golfview
Thu Nov 14, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 3187

Re: Garage Generator Install

I would check the township first then check with my insurance company!
by Golfview
Fri Oct 04, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: Balanced or Target
Replies: 3
Views: 641

Re: Balanced or Target

You could figure out what your allocation would be for now then try to match it to the right choice,I don't think the balanced fund has international stocks and bonds or does it reallocate automatically like your target date fund!
by Golfview
Wed Aug 07, 2019 7:53 pm
Forum: Personal Investments
Topic: New Jersey taxes
Replies: 58
Views: 3824

Re: New Jersey taxes

I live in New Jersey and can think of two homes presently in the area that are priced slightly above 1million dollars each and there taxes are the reason they can't sell them ,the taxes are over 50 thousand dollars a year so who's going to pay that?I have to admit though the homes are beautiful!
by Golfview
Mon Apr 29, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Storage shed
Replies: 9
Views: 1123

Re: Storage shed

You may want to check with your local building inspections office to see how close to the property line you can place your new shed,here you need 2 FT.space ,also anything over 100 SQ.FT. Is Taxed .
by Golfview
Sat Apr 13, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4760

Re: How to avoid throwing money at problems?

I don't think your throwing money at the problem,instead look at it as though your investing in quality of life for you and your family,after all it sounds like it's affordable with your income.
Good luck!
by Golfview
Thu Apr 04, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anxiety about car/house purchase
Replies: 28
Views: 3198

Re: Anxiety about car/house purchase

I think maybe part of it is the spending on a "luxury" purchase when something cheaper would've done the same job, and overall finding value in dollars spent. Having said that, it's hard to say because I think we come from very different places. You have $1.5M at age 30, which is out of the ordinar...
by Golfview
Wed Apr 03, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Anxiety about car/house purchase
Replies: 28
Views: 3198

Re: Anxiety about car/house purchase

You and your wife have had others paying for your things now it's time to learn to pay your own way so getting use to spending your own money may take some getting use to,consider yourselves very fortunate to have come this far with all the help you've had!
by Golfview
Wed Apr 03, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Is $650 for a Roof Inspection Too Much?
Replies: 37
Views: 3089

Re: Is $650 for a Roof Inspection Too Much?

Perhaps the new roofer is thinking your taking the old roofer to court over a bad job that didn't last the usual 20 years your suppose to get on a new roof and that's what you need the inspection report for so the 650 would be reimberst settlement!
by Golfview
Sun Mar 24, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: Roll call retirement 2018
Replies: 5
Views: 804

Re: Roll call retirement 2018

radiowave wrote:
Sun Mar 17, 2019 5:42 pm
Here's the main rollcall thread for 2018: viewtopic.php?f=9&t=222451


Thanks for the thread but my question was more of an update on life after retirement!
by Golfview
Sun Mar 24, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Inspection Negotiations for New Home Purchase
Replies: 25
Views: 1795

Re: Inspection Negotiations for New Home Purchase

If you disagree with the seller you should look elsewhere for the home you want at a price you can afford,it's possible you're overreaching on your price range or May be you can find something better.
by Golfview
Sun Mar 17, 2019 4:33 pm
Forum: Investing - Theory, News & General
Topic: Roll call retirement 2018
Replies: 5
Views: 804

Roll call retirement 2018

2019 is off to a great start!
How has your retirement been going?
Are you as happy as you had anticipated you would be?
How many of you are ready to go back to work or are looking for part time job?
Your input would be greatly appreciated ,
Thank you in advance!
by Golfview
Fri Jan 11, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon
Replies: 29
Views: 5232

Re: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon

Just ordered my copy from Amazon and looking forward to reading it,
I just retired July 2018 and hope I can stay on track with help from one of the top experts in the field,,Larry's Swedroe's highly respected among fellow bogleheads so I don't think I'll be disappointed!
by Golfview
Sun Jan 06, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Water seepage in basement
Replies: 23
Views: 1696

Re: Water seepage in basement

I had a similar problem with my unfinished section of basement,the only thing I did to solve the problem was have a sump pump home cut out and a basin installed with a sump pump,all cost less than 500 dollars and it hasn't leaked since,never put in a French drain only the basin and pump,it took all ...
by Golfview
Fri Dec 28, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Bathroom Dripping-Potential Leak Question
Replies: 20
Views: 1365

Re: Bathroom Dripping-Potential Leak Question

I would first try this test to see if the seal on the water tank is leaking ! Turn the water supply OFF at the toilet ,then wait a while,may be do this before you go to sleep at night,next morning ilift the lid and see if water has been leaking out of the tank without anyone flushing. If it has the ...
by Golfview
Tue Dec 25, 2018 9:54 am
Forum: Personal Investments
Topic: Which fund to withdraw from?
Replies: 8
Views: 532

Re: Which fund to withdraw from?

I would look at my asset allocation and take from whatever needs to be rebalanced !
by Golfview
Thu Dec 20, 2018 6:24 pm
Forum: Personal Investments
Topic: Another newbie investor who's feeling the pain and would like advice
Replies: 46
Views: 6018

Re: Another newbie investor who's feeling the pain and would like advice

I wouldn't take any money out of the market any time soon,I think I would want to wait to add more into the market right now because we're still going down,when you think you can see things stabilizing you might want to add,now seems to be a good time to get a good feel on your risk tolerance,we cou...
by Golfview
Tue Dec 18, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 3017

Re: Tips for a cold bedroom above a garage?

You could also look into the ducts providing heat,perhaps you can add a fan in the ductwork to force more heat into that room,I've seen this done before in rooms that are far from the heating and cooling system.
The fan will go on systematic whenever the system is running!
Good luck
by Golfview
Tue Dec 18, 2018 12:39 pm
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 14239

Re: Is anyone's portfolio not tanking???

munemaker wrote:
Tue Dec 18, 2018 9:26 am
Stocks go up; stocks go down. If you have the proper asset allocation, you just ignore it and life goes on.
Simply stated!
by Golfview
Mon Dec 17, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 6063

Re: Sell Sell Sell!

Where did you see that?
by Golfview
Mon Dec 17, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 6063

Sell Sell Sell!

[Thread merged into here, see below (next page). --admin LadyGeek]

Could the 10 year Bull market be coming to an end?
by Golfview
Tue Dec 11, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Aca income question
Replies: 2
Views: 415

Re: Aca income question

Golfview wrote:
Tue Dec 11, 2018 11:09 pm
Does anyone know if last year's tax refund is counted towards income to qualify for the subsidy?
Thank you for your help!
by Golfview
Tue Dec 11, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Aca income question
Replies: 2
Views: 415

Aca income question

Does anyone know if last year's tax return is counted towards income to qualify for the subsidy?
Thank you for your help!
by Golfview
Sun Dec 09, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 6063

Re: Has anyone adjusted their stock allocation on the dip?

delamer wrote:
Sun Dec 09, 2018 3:22 pm
Are you asking about rebalancing or reallocating?

Two different things.
Rebalancing!
by Golfview
Sun Dec 09, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 6063

Re: Has anyone adjusted their stock allocation on the dip?

nix4me wrote:
Sun Dec 09, 2018 12:05 am
I bet a bunch of people sold on the way down last week....
No doubt!
by Golfview
Sat Dec 08, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 6063

Re: Has anyone adjusted their stock allocation on the dip?

JoMoney wrote:
Sat Dec 08, 2018 11:17 pm
The dip is causing my portfolios allocation to be adjusted without me doing anything.
I believe it's causing everyone's allocation to readjust without them doing anything but then many must readjust if it changes 5%or so to stay committed to their plan.
by Golfview
Sat Dec 08, 2018 11:29 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 6063

Re: Has anyone adjusted their stock allocation on the dip?

Just wondering with the recent dip in stock prices if many investors her readjusted their stock allocation and sold some bonds or invested cash to do so. Thanks in advance for the response. i contribute a significant amount of money every month. it goes to wherever is lowest. as its significant, no...
by Golfview
Sat Dec 08, 2018 11:06 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 6063

Has anyone adjusted their stock allocation on the dip?

Just wondering with the recent dip in stock prices if many investors her readjusted their stock allocation and sold some bonds or invested cash to do so. Thanks in advance for the response.
by Golfview
Fri Dec 07, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping last COBRA payment
Replies: 25
Views: 2777

Re: Skipping last cobra payment

Euroswiss, no one is advocating theft as you suggest, Do you have any knowledge of cobra rules and regulations?Perhaps you should get some insight!,People come here to share ways on improving oneself not make comments without any knowledge on the subject such as what you have done. Have you ever bee...
by Golfview
Thu Dec 06, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping last COBRA payment
Replies: 25
Views: 2777

Re: Skipping last cobra payment

Thank you for your concern,I have informed my wife of the plan and will also inform my son as what to do in the event something unexpected should happen to me ,I have written instructions explaining what needs to be done,I'm in good health and should be good without any worry.
by Golfview
Thu Dec 06, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Skipping last COBRA payment
Replies: 25
Views: 2777

Skipping last COBRA payment

I'm ready to finish taking cobra insurance 1 year earlier than expected,I qualify for obama care starting the new year due to a drop in income as I have retired this past July at 62. I was on auto pay the 8 th day of every month, after finding out that I have til the last day of the month to make th...
by Golfview
Tue Nov 20, 2018 8:06 pm
Forum: Personal Investments
Topic: Index or managed funds
Replies: 10
Views: 965

Index or managed funds

Now that we are in a correction of 10%or more has anyone been able to see if stock index funds are taking a larger plunge them managed stock funds ?I was fearful that the total stock index would go down faster and loose its edge. Thanks in advance for your input on this!
by Golfview
Mon Nov 05, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Should I proactively replace our Indirect Hot Water Heater?
Replies: 15
Views: 1120

Re: Should I proactively replace our Indirect Hot Water Heater?

I have a battery alarm unit that will sound to alert me if the tank will ever leak and it gives me peace of mind ,mostly any Plummer will jump at the chance for the fast buck to be made to replace the old not water heater so I'm not going to worry about it!
by Golfview
Fri Nov 02, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage-ACA and Medicare
Replies: 15
Views: 1520

Re: Health Coverage-ACA and Medicare

It would be beneficial for you to call the exchange,they are very helpful and open 24hrs ad day,I've called several times in the last 2days and the wait time was less than 15 minutes,all my questions were answered!
by Golfview
Fri Nov 02, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage-ACA and Medicare
Replies: 15
Views: 1520

Re: Health Coverage-ACA and Medicare

It would be beneficial for you to call the exchange,they are very helpful and open 24hrs ad day,I've called several times in the last 2days and the wait time was less than 15 minutes,all my questions were answered!
by Golfview
Wed Oct 10, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Between Jobs: Obamacare vs COBRA?
Replies: 30
Views: 1840

Re: Between Jobs: Obamacare vs COBRA?

If you look into the Obama care you may want to start in the new year because depending on what your income is so for this year you may or may not qualify for the subsidy and if you don't you'll be on the hook for a higher cost plan then the cobra!be careful going forward.
by Golfview
Tue Sep 25, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: One ear weak, one good: Get hearing aid? 91-year old
Replies: 8
Views: 759

Re: One ear weak, one good: Get hearing aid? 91-year old

I have hearing issues as well,went to a hearing specialist and had a check up,the dr.said not all hearing loss can benefit from a hearing aid,in my case one wouldn't help. It all depends on the hearing problem.you may one to get the help of a specialist after all it's difficult for her to be in that...
by Golfview
Thu Sep 13, 2018 6:47 pm
Forum: Personal Investments
Topic: 401k to Roth IRA Conversion - Am I misunderstanding
Replies: 5
Views: 509

Re: 401k to Roth IRA Conversion - Am I misunderstanding

I have a similar problem moving my fidelity 401 to vanguard for fear of being out of the market for a period of time that may have an impact on any market movement,I've chose to stay put at least for the time being, Good Luck!
by Golfview
Mon Sep 03, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Another car (truck) buying question
Replies: 20
Views: 1427

Re: Another car (truck) buying question

I just purchased a new f150 super cab 2018 and with the help of doing some bogleheads research was able to get the price down to a out the door price of 41 tax and tags included,they even threw in the bed liner for free,I saved 10 grand! thank you my fellow bogleheads for your support! Just Google c...
by Golfview
Mon Sep 03, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Another car (truck) buying question
Replies: 20
Views: 1427

Re: Another car (truck) buying question

I just purchased a new f150 super cab 2018 and with the help of doing some boglehead research was able to get the price down to a out the door price of 41 tax and tags included,they even threw in the bed liner for free,I saved 10 grand!thank you my fellow bogleheads for your support.
by Golfview
Fri Jul 20, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 11399

Re: I was rear ended and the other guy wants a payout!

My wife was involved to something similar,we are in New Jersey, the other guy admitted he was at fault and paid for our damage, 5yrs later I got a competive quote from progress insurance who said I would have to pay an addition 75 dollars to cover the surcharge they impose regardless who was at fau...
by Golfview
Fri Jul 20, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 11399

Re: I was rear ended and the other guy wants a payout!

My wife was involved to something similar,we are in New Jersey, the other guy admitted he was at fault and paid for our damage, 5yrs later I got a quote from progress insurance who said I would have to pay an addition 75 dollars to cover the surcharge they impose regardless who was at fault