Search found 347 matches

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: 140
Views: 7243

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: 2086

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: 737

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: 1845

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: 2921

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: 1805

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: 4791

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: 5359

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: 1334
Views: 101486

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: 3900

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: 2115

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: 2219

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: 3427

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: 155
Views: 12407

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: 19478

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: 5598

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: 3969

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: 2360

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: 10535

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: 6487

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.
by rob65
Mon Jun 11, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation for High Deductible Health Care Plan - Ages 61/56
Replies: 17
Views: 1656

Re: Recommendation for High Deductible Health Care Plan - Ages 61/56

Don’t know if Kaiser is in your area, but we’ve been happy with them, although not in a HDHP plan. (We’re in Georgia, so a different area, but I think Kaiser is similar everywhere.)

This is a guess, but I also think they are less likely to withdraw from the healthcare exchanges.
by rob65
Sun Jun 10, 2018 8:28 am
Forum: Personal Investments
Topic: Personal Advice for Retirement by 35?
Replies: 11
Views: 1939

Re: Personal Advice for Retirement by 35?

Go check out Mr. Money Mustache, rootofgood.com, and gocurrycracker.com in addition to the earlyretirementnow.com site mentioned above. Read about Roth Conversion ladders; I think both mmm and rootofgood discuss these. This is a great site and has the best unbiased portfolio advice that I have found...
by rob65
Fri Jun 08, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 8219

Re: Tipping HVAC installers?

Since the install is today it's too late for my suggestion to be implemented. If your install is typically southern, then much of the ducwork and mechanics are likely in your attic. When I had my install done several summers ago, I offered to give the installers access starting around 3am. They wer...
by rob65
Fri Jun 08, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 8219

Re: Tipping HVAC installers?

OP here. I decided to tip $25 for each of the 2 installers. They seemed appreciative, and weren’t insulted, which I had been a little worried about. They were here 9 hours and the attic work was pretty miserable, so I felt okay with it. Wasn’t quite sure of the amount, but $25 per person seemed reas...
by rob65
Fri Jun 08, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 3390

Re: College: extraneous expenses

That seems like a reasonable number, although you could probably get by on less. Books can be all over the place on price. I'd wait for the first day of class to see what the professor actually requires. I'd leans towards rental or digital books in core classes, but might lean towards buying and kee...
by rob65
Fri Jun 08, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 12796

Re: Why do we work?

midareff wrote:
Fri Jun 08, 2018 2:26 pm
I worked so I could enjoy my two favorite things..... living indoors and eating.
I want to retire early, but DW has this unreasonable expectation that we have both food and shelter. :happy
by rob65
Fri Jun 08, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 8219

Re: Tipping HVAC installers?

Yes, that had been my original thinking and I don't think I would have tipped if it was just a basic replacement. However, I know the work adding the new duct is pretty miserable and I'm leaning towards a "have a cold one on me" level cash tip.
by rob65
Fri Jun 08, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 8219

Tipping HVAC installers?

I tried a search and there seemed to be conflicting opinions from what I saw. I'm having a new HVAC system installed today. It's pretty miserably hot in the area where they are having to add some duct work, if that makes a difference. I had chicken biscuits for the workers for breakfast (it's a sout...
by rob65
Thu May 31, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 6411

Re: Advice for assisting 18 year old son after high school

A few thoughts. I would continue paying the car insurance at least for awhile. Different situation, but I’m still paying my 24 year olds car insurance so that he can focus on paying off his student loans quickly. Again, maybe a different situation. Edit: You might tie this to something. You’ll keep ...
by rob65
Tue May 29, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 6005

Re: Splurging on the NBA finals

My son and I have had a friendly debate over the GOAT. I argued Jordan. He argued LeBron. After the game Sunday, I conceded that he was right. Personally I hate crowds, but if you like attending sports in person, then watching arguably the greatest player of all time in possibly one of his last game...
by rob65
Tue May 29, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 1031

Re: Selling car in CA, titled in absent owner's name

I've never had to present physical plates to take a car off insurance. It's always been a simple phone call to put a car on/off. (USAA) This is very state specific. In my state, canceling the insurance before canceling the registration with the DMV will generate an automatic fine from the state. (T...
by rob65
Mon May 28, 2018 10:48 pm
Forum: Investing - Theory, News & General
Topic: Can anyone recommend Any Social Responsible fund/s?
Replies: 17
Views: 1992

Re: Can anyone recommend Any Social Responsible fund/s?

iShares has a line of socially responsible ETFs. https://www.ishares.com/us/strategies/sustainable-investing/sustainable-etfs-product-overview TIAA has some options, but not sure if they are available outside of TIAA accounts. Fidelity has a fund that’s about a year old: https://fundresearch.fidelit...
by rob65
Mon May 28, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 4373

Re: Cruise ships for multi-generational family

Disney is a no brainer shoe-in from everyone I have spoken with. It seems to hit a home run with every age group. I would not step foot on a Celebrity cruise without a threat to life and limb. +1 with a few comments. Don’t assume you’ll be overrun by children. There’s an adult only pool and in the ...
by rob65
Sun May 27, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Theory: Total World Index a Sure Fire Win [VT/VTWSX]
Replies: 155
Views: 19547

Re: Theory: Total World Index a Sure Fire Win [VT/VTWSX]

I guess I should talk about the index itself, not any real life index fund. What I'm looking for is how to explain index investing in easiest terms: Is it correct to say that an investor owning x% of an index fund, that tracks some market cap weighted index (assume full replication) and has asset s...
by rob65
Sun May 27, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Leave career (fortune 200) and join the peace corps?
Replies: 29
Views: 3915

Re: Leave career (fortune 200) and join the peace corps?

What are your plans for the car/truck while you are gone? Would it be easier to sell before you leave rather than deal with storage?
by rob65
Thu May 24, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 6747

Re: Alexa Echo sent family's audio file to a contact

MJW wrote:
Thu May 24, 2018 9:13 pm
It has a long way to go before living up to the standard set by "Computer" from Star Trek TNG.
We are the Borg Alexa. Your biological and technological distinctiveness will be added to our own. Resistance is futile. Assimilation is inevitable. :happy
by rob65
Sun May 20, 2018 2:18 pm
Forum: Personal Investments
Topic: $1,700,000 from family trust...
Replies: 83
Views: 12291

Re: $1,700,000 from family trust...

One other quick thought. Be sure to check your insurance coverage limits on your car and homeowners policies. You should probably add a 1 million dollar umbrella policy if you don’t already have one.
by rob65
Sun May 20, 2018 10:37 am
Forum: Personal Investments
Topic: $1,700,000 from family trust...
Replies: 83
Views: 12291

Re: $1,700,000 from family trust...

I’ll reiterate to read the wiki on windfalls. Put the money in safe fdic insured accounts, treasury bills, or federal money market funds while you decide what to do. Take your time. Personally, I would pay off all the debt. However, paying off the house is as much emotional as financial. It is takin...
by rob65
Sat May 19, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 8018

Re: What’s your phone/internet bill?

I’m embarrassed to post this, but I suspect my out of control spending is typical of the general population.

75 mps Internet/cable for 3 televisions: $158

T-mobile: 4 lines, unlimited talk/text/data, payment plans for 4 smart phones: about $250
by rob65
Fri May 18, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 29
Views: 2124

Re: Nephew graduating high school & joining military. Gift Ideas?

Maybe a cash gift for high school graduation and, if you can afford it, a watch or good utility knife when he finishes basic training? In my mind, the second gift isn’t setting a precedent for future high school graduations in the family.
by rob65
Fri May 18, 2018 1:08 pm
Forum: Personal Investments
Topic: How does the process work for getting back funds from a Roth?
Replies: 9
Views: 1033

Re: How does the process work for getting back funds from a Roth?

The 5-year rule applies to withdrawing earnings in a Roth IRA, not the contributions. I am then wrong. Note that Roth conversions do have a 5 year waiting period. I think the two different 5 year rules contribute to the confusion. https://www.kitces.com/blog/understanding-the-two-5-year-rules-for-r...
by rob65
Thu May 17, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: College Textbooks
Replies: 13
Views: 1098

Re: College Textbooks

I teach at a 2 year branch campus of a large university. I would wait until the first day of class, but would try to then immediately order the books. Somewhere on the school website there will be a link showing the required books, but sometimes this shows the departmental default instead of what th...
by rob65
Wed May 16, 2018 2:46 am
Forum: Investing - Theory, News & General
Topic: How do stock buybacks work, and how do index funds handle them?
Replies: 17
Views: 2664

Re: How do stock buybacks work, and how do index funds handle them?

If an index fund has assets equal to p% of the total market cap of the index, it will own p% of the available shares of each stock in the index. Consider an index with three companies X, Y, and Z. Company X: 1000 shares, $10 per share, market cap = $10,000 Company Y: 500 shares, $12 per share, marke...
by rob65
Tue May 15, 2018 9:26 am
Forum: Personal Investments
Topic: Three fund portfolio performance
Replies: 31
Views: 7948

Re: Three fund portfolio performance

Was it a lump sum last June, equal monthly deposits, or some other variation? It looks to me like equal monthly investments starting June 30, 2017 to April 30, 2018 is roughly even. A lump sum on December 31 is down about 3%. The OP could have lost money depending on the deposit schedule. OP, the st...
by rob65
Mon May 14, 2018 8:49 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 18751

Re: The front page is ugly

I like the home page. Loads fast. Mobile friendly. Easy to read. I prefer the static view to the annoying bling on other sites.
by rob65
Fri May 11, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Currently under father and mother auto policy
Replies: 8
Views: 901

Re: Currently under father and mother auto policy

OP, this is something where you really need to just check with your agent since it could vary by state and by insurance company.

Note that if your father is no longer driving, he can surrender his license and replace it with a state issued ID card for non-drivers.
by rob65
Fri May 11, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 7031

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by rob65
Fri May 11, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 7031

Re: Anyone buy carbon offsets when flying?

Let me try to bring this back to the OP's question.

Here's a good summary article that includes links to sites that review carbon offsets for quality assurance.

https://www.nrdc.org/stories/should-you ... on-offsets
by rob65
Fri May 11, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 7031

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by rob65
Wed May 09, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 7863

Re: How to handle problem employee

I think you may not appreciate her experience, especially if processes evolved over time. "Your way" may or may not be more efficient, but she will likely work more efficiently if she does things in a way that makes sense to her. Tell her the goal and let her perform it however she wants. I'll give...