Search found 377 matches

by rob65
Sun Aug 02, 2020 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my mother financially (CCs and housing)
Replies: 18
Views: 1508

Re: Helping my mother financially (CCs and housing)

I would pay off the credit card debt. I would want to let your sister finish her senior year of high school without moving, but the house isn’t sustainable long run. I would help with expenses for the next year if you can afford to. You could ask that this be a loan to be paid off when the house is ...
by rob65
Sun Aug 02, 2020 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9333

Re: Unmotivated daughter and son in law.

Okay, I’ll be the heretic. If I had a terminal diagnosis and could help one of my kids while I was alive, I would do it. I understand where your ex is coming from. The “teach them to fish” philosophy here is fundamentally flawed in my view, although a discussion of my reasons for that view are inher...
by rob65
Fri Jul 31, 2020 6:50 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 121
Views: 5532

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Hard to pick a single favorite, but here’s one you may not have heard of. Connie Willis, To Say Nothing of the Dog: or, How We Found the Bishop’s Bird Stump At Last Comic sci-fi about time traveling historians. Laugh out loud funny. She has three other books set in the same universe, but they are al...
by rob65
Fri Jul 31, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: What precautions are other universities taking?
Replies: 26
Views: 1294

Re: What precautions are other universities taking?

The school were I teach has limited classroom capacity to 25%. Classroom seating has been labeled to maintain 6 ft social distancing. My courses will use hybrid delivery; my classes will each be divided into four groups and each group will meet with me once every other week. Basically all the course...
by rob65
Tue Jul 28, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: How do HD OTA Antennas work?
Replies: 60
Views: 5462

Re: How do HD OTA Antennas work?

I’ve only read about these and haven’t actually used them, so take this for what it is worth. There are a couple of OTA DVRs like Tablo and AirTV from Sling that connect to an antenna but deliver that signal to the TV over your Wi-Fi network. You do need a Roku or some type of streaming device on ea...
by rob65
Mon Jul 13, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Becoming teacher after reaching FIRE? Advice needed!
Replies: 86
Views: 6890

Re: Becoming teacher after reaching FIRE? Advice needed!

I teach math at a two year college. A few thoughts. First, you make an order of magnitude more money than most teachers. Be prepared for the possibility that some people will be skeptical that you will work for the salary they can offer. I think your adjunct teaching experience will help when gettin...
by rob65
Mon Jul 13, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: Recommend 3 southern locales to retire!
Replies: 86
Views: 9456

Re: Recommend 3 southern locales to retire!

It may not meet the close to the beach requirement (about a 6 hour drive to South Carolina beaches), but Atlanta or Athens, GA might be options. Atlanta is huge and sprawling, so you have to look at individual neighborhoods that have what you want. Cost of living is reasonable. Georgia has very reti...
by rob65
Fri Jul 03, 2020 11:19 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3575

Re: Least Expensive Way to Have a Cellphone for emergency use only?

I’d actually start by checking with your current carrier. If you’ve already got two or more lines, then an additional line might be very inexpensive.
by rob65
Thu Jul 02, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 13985

Re: YoutubeTV subscription now $64.99/month

We dropped DirecTV a few months ago because we just didn't watch. I was planning to get YouTube TV in the fall for college basketball and football. I will now be getting either Sling or Hulu. Internet costs us $60/month. I am not willing to pay more than about $100/month for internet and TV. If you...
by rob65
Tue Jun 23, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13848

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

The advice here is great during accumulation, but it is incredibly conservative about when someone can afford to retire. “We’re 70 with no kids, can live off our social security, and have $4 million in retirement accounts, can we retire?” is likely to be meet with advice to work a little longer. Oka...
by rob65
Sun Jun 21, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5098

Re: Restaurants recommendations

I know the fashionable thing is to dislike national chains, but frankly I’m not a very adventurous eater and I like the consistency. I think their sanitation standards are probably also more consistent, and most offer curbside pick-up with very little contact. I’m in the southeast and I’m not sure i...
by rob65
Sat Jun 06, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend paying rent
Replies: 107
Views: 10614

Re: Girlfriend paying rent

They rent so it’s a little different, but my son and his girlfriend handle this by dividing up the bills. He pays the rent; she pays the utilities and buys most of the groceries. I’d approach it that way.
by rob65
Mon May 18, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 4210

Re: Dual citizen, USA passport expiring, how to travel internationally

Thank you to everyone who posted helpful responses. I honestly did not consider the airline would be the gatekeeper. I postulated upon arrival back into the USA, the worst that would happen would be detained in NYC for lack of valid passport, but ultimately be sent "home" in Jersey (with a summons ...
by rob65
Sun May 17, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 4210

Re: Dual citizen, USA passport expiring, how to travel internationally

Agreed. And also not sure that "missing the cruise ship" is an "emergency". Well, by the time the ship has sailed, I guess it IS an emergency then, about how to get home! I was mostly questioning: 8 USC 1185 provides in relevant part that " it shall be unlawful for any citizen of the United States ...
by rob65
Sat May 16, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3434

Re: What to do with canned chicken?

I placed a grocery order last night and my grocery store is now limiting the amount of meat that you can buy. This isn’t over yet. Keep the canned chicken.
by rob65
Sat May 09, 2020 5:30 pm
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6284

Re: College age kid wrecked his car...

Unless it was a VERY unusual accident, and he intentionally sought out a deer to hit - NO, the deer wrecked his car, not him. So no need to blame the son. I'm not privy to the details of the accident, but perhaps he did the right thing by hitting it, "don't veer for deer" was an advertising theme s...
by rob65
Tue May 05, 2020 12:44 pm
Forum: Personal Investments
Topic: delete
Replies: 39
Views: 7328

Re: If I put 1 million in Wellesley and lived on 35k a year how long would the money last if I took dividends and capita

I’m a big fan of the Wellesley and Wellington funds, but I’ll just mention one aspect of these funds that could complicate the plan. Is the money in tax-advantaged accounts (IRA, 401k, etc.) where you only owe tax on withdrawals or in taxable accounts where all distributions are taxed? If it’s In ta...
by rob65
Sun May 03, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Print from Mom’s home on my remote printer?
Replies: 5
Views: 491

Re: Print from Mom’s home on my remote printer?

I haven’t tried this, but you might research google cloud printing?

https://www.google.com/cloudprint/learn/
by rob65
Sun Apr 26, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Unemployed renter w/1.1m taxable - looking to buy 400k home for cash
Replies: 36
Views: 3926

Re: Unemployed renter w/1.1m taxable - looking to buy 400k home for cash

Okay, I’ll be the contrarian. You live once. If buying a house closer to family and friends in an area you want to stay will make you happy, then go for it. This is a great site, but it is very conservative. If you post on one of the early retirement sites that you can have a paid for house with 1.5...
by rob65
Sun Apr 26, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 116
Views: 7539

Re: Go or no go on Carnival cruise

With only $100 at stake, you could just cancel if you wanted.

People with larger non-refundable deposits should absolutely wait as long as possible before canceling. If the cruise gets canceled by the cruise line, you’ll get all your money back.
by rob65
Mon Apr 20, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8368

Re: Just ordered 10'000 barrels of oil for free - anyone else?

jpelder wrote:
Mon Apr 20, 2020 1:21 pm
Will do good wrote:
Mon Apr 20, 2020 1:15 pm
Wonder if I can store these oil in my swimming pool? maybe use the community pool as well. :twisted:
Can you just imagine the Nextdoor posts?
That will be the HOA thread to end all HOA threads. :happy
by rob65
Mon Apr 20, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 45799

Re: College in fall

I agree that many students and faculty are not pleased with the quality of the online offerings. However, I believe that a large part of this is due to the sudden switch to online and faculty who had no time to prepare. And, in some cases, very technically challenged faculty. In one degree program ...
by rob65
Sun Apr 19, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Received stimulus funds but don't think we're eligible
Replies: 13
Views: 2024

Re: Received stimulus funds but don't think we're eligible

Clark Howard has speculated that the IRS will develop guidance and procedures to fix mistakes. Don't count on there being no clawbacks. Right. A mistake may be different from being eligible based on 2018 income, but not 2019 income, or being eligible based on 2019 income, but not 2020 income (since...
by rob65
Mon Apr 13, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 45799

Re: College in fall

I think we decided last night to defer. Social distancing and the prospect of online learning will ruin a freshman experience. With a vaccine (70 in development) along with rapid tests, next year will be back to normal. We’ll probably see more integrated eLearning in classes going forward, but I th...
by rob65
Mon Apr 06, 2020 8:47 pm
Forum: Personal Investments
Topic: Help for 21 year old sister
Replies: 9
Views: 1184

Re: Help for 21 year old sister

In tax advantaged accounts like an Roth IRA, I think new investors should consider the Vanguard Target Date Retirement fund that best matches their retirement year. The expense ratio is slightly higher, but is still very low. Vanguard handles all the rebalancing and glide path issues. The Target 206...
by rob65
Mon Apr 06, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5653

Re: Replacing Cable TV with Streaming: Critical Analysis

YoutubeTV + a medium tier cable internet package. Should be under $120/month, and do everything your current cable tv does, but better. It's a cable tv interface built by some of the world's best software engineers rather than a cable tv company. You get up to 5 different accounts (don't even need ...
by rob65
Mon Apr 06, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5653

Re: Replacing Cable TV with Streaming: Critical Analysis

As to the "antenna channels" I found this great thing called LOCAST. If you live in one of the 17 cities currently covered, it is a FREE service and streams all the same HD channels you would pick up over the air anyway. So now I don't need to buy an antenna and stick it over on my wall somewhere, ...
by rob65
Sun Apr 05, 2020 10:50 pm
Forum: Investing - Theory, News & General
Topic: Dow Futures Up Again?
Replies: 131
Views: 8247

Re: Dow Futures Up Again?

I think the market is efficient in the long run, but but not always in the short term. I’m not convinced it “knows” how to price in an outside shock thus big and this unpredictable. The range of possible outcomes is enormous; the market is trying to price in its collective best guess about what will...
by rob65
Fri Apr 03, 2020 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10923

Re: Are your personal expenses down during stay home and shelter?

Less on gas, but actually a little more on groceries. We’ve also done food delivery a few times to support local restaurants we like. Probably about to switch to grocery delivery which I expect will cost more, partially due to delivery fees, but also figuring that the shopper won’t be as careful abo...
by rob65
Wed Apr 01, 2020 9:13 am
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 19342

Re: Is the coming pain really "priced in"?

I don’t know anything, but you asked. I think the market is pricing in, or trying to price in, a return to some level of normalcy by summer or early fall at the latest, with a vaccine within a year. It’s expecting something like a U-shaped recession. If it’s worse than that, then, no I don’t think t...
by rob65
Sun Mar 29, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17645

Re: What will you do first, once COVID pandemic is over?

Find a new restaurant. We’ve been eating at this local place called The Kitchen, but you have to make your own food and clean up after. Honestly not sure how it stays in business.
by rob65
Sun Mar 29, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Is anyone here retired without owning a house or any real estate?
Replies: 22
Views: 2277

Re: Is anyone here retired without owning a house or any real estate?

I think this is really an individual decision that depends on your needs and where you live. As someone has already said, it may be as much of a lifestyle choice as a financial choice. I will say that I think people dramatically underestimate the costs of home ownership. My parent’s “paid for” house...
by rob65
Sun Mar 29, 2020 8:22 am
Forum: Personal Investments
Topic: Exceeding the FDIC insured limit at a credit union
Replies: 9
Views: 796

Re: Exceeding the FDIC insured limit at a credit union

You definitely want to get underneath the coverage limits, but talk to someone at the credit union since there are ways to use different account types and beneficiaries to increase coverage level at a single institution. Just make sure that beneficiaries actually reflect what she would want to happe...
by rob65
Fri Mar 20, 2020 10:57 pm
Forum: Personal Investments
Topic: critique portfolio of 89 year old retiree
Replies: 16
Views: 1924

Re: critique portfolio of 89 year old retiree

People here prefer index funds, but you might look at the Vanguard Wellington and Vanguard Wellesley funds. These are managed funds, but they have reasonable expense ratios and have a focus on blue chip stocks that your parents might be more comfortable with. Wellington is about 65/35 stocks/bonds; ...
by rob65
Thu Mar 19, 2020 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Rent in the Time of Coronavirus
Replies: 78
Views: 3005

Re: Rent in the Time of Coronavirus

Maybe consider a shorter lease to give time to see where the market goes?

In six months, either things are back to normal or there really is a new normal.
by rob65
Wed Mar 18, 2020 7:52 pm
Forum: Investing - Theory, News & General
Topic: Treasury Auction Tomorrow Morning: 3/19/20
Replies: 20
Views: 1884

Re: Treasury Auctions Tomorrow Morning: 3/19/20

Honest question. I get why large institutional investors would buy negative yield treasuries, but why would a retail investor do that? Wouldn’t it make more sense to just put the money in an FDIC insured account?
by rob65
Tue Mar 17, 2020 6:28 pm
Forum: Personal Investments
Topic: Where to park cash if we go to negative interest rates
Replies: 45
Views: 5110

Re: Where to park cash if we go to negative interest rates

It seems extremely unlikely that rates for retail investors on FDIC insured accounts would go negative. I suppose they might go to zero and/or it could become more difficult to avoid account maintenance fees. Keep in mind that insurance companies and pension funds can’t walk to the corner bank and d...
by rob65
Sat Mar 14, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5590

Re: What entertainment during Covid-19 times?

I’ve never watched The Walking Dead. Maybe a good time to start?

Also considering trying to find an online course in how to speak emoji so that I can understand texts from my kids?
by rob65
Fri Mar 13, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138533

Re: side note

I work for a community college in Northern California and we are switching to online instruction as of next Wednesday. I work at a two year school in Georgia. The whole University system is closing for two weeks starting on Monday. (One of those is our spring break anyway.) Best guess is that we go...
by rob65
Fri Apr 12, 2019 7:32 am
Forum: Personal Investments
Topic: Leave out the bond fund of the 3 fund portfolio??
Replies: 40
Views: 3947

Re: Leave out the bond fund of the 3 fund portfolio??

Really depends on age. Vanguard’s Target 2045 fund is only 10% bonds. Target 2040 is 16% bonds and starts getting more conservative after that, but that’s not until around age 40. If a younger investor in their 20’s or early 30’s prefers 100/0, I don’t think there’s really anything wrong with that. ...
by rob65
Sun Feb 24, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: Robocall from someone in my phone contacts?
Replies: 24
Views: 2140

Re: Robocall from someone in my phone contacts?

I think it was a coincidence that the robocaller's fake caller ID happened to match one of your contacts. I notice more and more robocalls using local (to me) numbers with their spoofed caller ID info. After four rings the answering machine picks up and they never leave a message. That is what tell...
by rob65
Sun Feb 24, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Investing My Sons Settlement Money
Replies: 12
Views: 2234

Re: Need Help Investing My Sons Settlement Money

If there is any possibility of future medical care associated with the injury, speak with your attorney about how that would work. Your health insurance might expect to be reimbursed from the settlement. My very limited experience is that insurers are pretty aggressive about this, but I’m not a lawy...
by rob65
Sun Feb 17, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Cord Cutting- Hulu Live TV Review and Questions
Replies: 40
Views: 3502

Re: Cord Cutting- Hulu Live TV Review and Questions

The frame rate problem with sports is one of the things still keeping me with cable, but I’m seriously considering cutting cable when our current Comcast promotional rate ends. Does Hulu Live allow you to authenticate with the ESPN app? If so, try watching through the ESPN app and see if that is bet...
by rob65
Sun Feb 03, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 162
Views: 13798

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Talk to your vet about the issue and see what they recommend.

Seems like finding a trusted dog walker could be helpful for a variety of situations? Again, talk to your vet, but a nice walk might also have exercise advantages beyond the bathroom issue.
by rob65
Sun Jan 20, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19749

Re: Are You Dumping Netflix?

Well, Comcast just raised my broadcast TV fee by $2 per month to $10 per month and my regional sports fee by $1.50 per month to $8.25 per month. :oops:
by rob65
Wed Jun 27, 2018 10:48 pm
Forum: Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 5734

Re: 60/40 or 40/60?

Assuming it is in tax advantaged space so there are no tax consequences, I don’t think there is anything wrong with moving to 40/60 at age 69. I don’t think the reason really matters. Vanguard’s Target 2015 fund is about 41/59, headed towards 30/70 eventually. That tells me that 40/60 is reasonable ...
by rob65
Wed Jun 27, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Sister-in-Law - trouble adulting - Pay medical bill?
Replies: 41
Views: 3982

Re: Sister-in-Law - trouble adulting - Pay medical bill?

All adults I know confront troubles at one time or another. If your loved one can benefit from psychiatric care and you are willing to pay for that care, I would view that as a loving gift that could potentially help your sister-in-law learn how to cope with the challenges she confronts. Calls for ...
by rob65
Sun Jun 24, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 2411

Re: Thoughts on Canadian Universities

If she’s going to major in something that requires certification or licensing (teaching and nursing come to mind at the undergrad level) double check on reciprocity agreements. I don’t think that will be a problem with a Canadian University, but definitely something to check on ahead of time.
by rob65
Wed Jun 20, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 10596

Re: gray hair

Started going gray in my early 20’s. At 52, almost totally gray and moving towards silver. Never bothered me. Never considered changing it.
by rob65
Mon Jun 11, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 6524

Re: How do you celebrate (potty trained kid) milestone with your spouse?

I’d say either a spa day for your wife or a nice dinner out for the two of you.

As I get older, I realize more and more that life is short and you should find reasons to celebrate.