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Flymore

Can we at least make a rule the thread title should contain the source of the link? Actually, I think the OP violates the rule of posting naked links with no assessment of OP's opinion of the article, does it not? We also require that you be considerate of our readers and: use meaningful titles on ...

Flymore

Could be something, total stock market - VTI down on volume yesterday,
Mon Jul 30 15:51:30 2018 VTI volume at 5,000,112

Flymore

prepare for the biggest market selloff in months!

https://www.marketwatch.com/story/prepa ... 2018-07-30

Flymore

At the Dow component Megacorp where I worked, some people would hoard knowledge in an attempt to make themselves indispensable. They tended to be the first to go in a layoff. Be a good team player. The ones with better soft skills tended to be the ones who stayed. Edited to add: Assuming at least a...

Flymore

Called for the annual checkup with Vanguard Flagship services. First time for me. :D All went well, representative professional albeit disappointed I didn't agree to have him maintain my account and asked, "why not"? I said, cause...: happy Anyway, the big change they suggested was to decrease my I...

Flymore

Called for the annual checkup with Vanguard Flagship services. First time for me. :D All went well, representative professional albeit disappointed I didn't agree to have him maintain my account and asked, "why not"? I said, cause...: happy Anyway, the big change they suggested was to decrease my I...

Flymore

Called for the annual checkup with Vanguard Flagship services. First time for me. :D All went well, representative professional albeit disappointed I didn't agree to have him maintain my account and asked, "why not"? I said, cause...: happy Anyway, the big change they suggested was to decrease my In...

Flymore

Makes sense. Right alongside the prediction that a $2000. PC will equal one human mind by 2026.

Flymore

Paying 8666 on 290k house in NE Ohio.
Just built a new library and school expecting taxes to continue to climb.
New levy for park expansion just failed, they're doing a recount till it passes.

Flymore

Costco auto does not sell the battery for my wife's car, a 2012 Chevy Malibu so had to go elsewhere. :shock: :oops: The guy behind the counter at Costco told me he could try and match it, but no thanks the car has a battery box and must fit in it exactly so I went elsewhere. This battery was nothing...

Flymore

There are several articles on this at Vanguard and the short answer is yes. Vanguard economist Joe Davis published "Global macro matters Why is inflation so low? The growing deflationary effects of Moore’s Law" October 2017 "Is technology behind low inflation?" MARKETS & ECONOMY SEPTEMBER 14, 2017 h...

Flymore

Costco and Giant Eagle.

Flymore

To time the market is simple.
When I buy, the market will go down and when I sell the market will go up.

Simply do opposite of what I do.
Since I'm not buying and selling anymore, (retired) you see the market has stabilized.

Flymore

We bought our last set of tires at WalMart for my wife's car. For my car, NTB had buy 3 get one free OEM tires so they were lots cheaper there.
Both way cheaper than Costco and looking today they appear considerable cheaper than Discount tire for my wife's car.

Flymore

I'd love to put a boot on the pipe, but it's about 24 feet up and the roof is hipped so very steep.
I'll call around and see if I can find someone to do it.

The skylights are very high up, there's no way I can maintain them.

thanks

Flymore

You don't say where you are located. If you are in an area of weather extremes, intense sunlight, bitter cold etc..., this will impact the roof material. At 25 years, do a temporary fix and look to replace that roof. I'm located in the NE Ohio. We've had plenty of cold winters. February 2015 was th...

Flymore

My 25-year-old Owns Corning roof has a leak, probably near the vent pipe. The roof shingle was an upgrade when installed. Should I just get the leak repaired or plan on replacing the whole roof instead? This is my first experience with skylights. Do they wear out? Will they need to be replaced with ...

Flymore

Around the last day of a cruise, usually, there's a huge sale on liquor, 30% off this 24% off that.
I say, where's the Maker's Mark they say "over there, but it's not on sale. Maker's Mark never goes on sale".

I buy it anyway duty-free saves a little.

Flymore

Did your address change between when you purchased the car and paid it off? Even though my son had updated his address with Toyota financing, they still gave his old address to DMV and the title was sent it to the old address. He had to go in and pay a small amount for a replacement title. It was n...

Flymore

Do I need to buy a title?
I've never had a car without a title.
If I trade the car in (am thinking about this) it's no problem the dealer will handle it right?
However, if I sell it to a private party I need to buy a title?
this is a bit of a mess.

Flymore

runner3081 wrote: ↑
Mon May 28, 2018 4:44 pm
The bank doesn't send you one. They will submit the lien release and the state sends you the title.

Hmmmm been a year, no title.
Guess I need to call DMV?

Flymore

My wife paid off her car loan about a year ago. Fifth Third said that we don't need a title they'll just check the VIN to see that it's ours, but I've never heard of such a thing.

How am I suppose to sell this car if I need to without a title?

Flymore

Information on fund comparison has been passed along to the wife.

Still doesn't like that with her current plan, she can't select which fund(s) to withdraw from - it has to be a percentage of the entire portfolio.

Flymore

As others have said, you can get equivalent returns if you pick the right funds at Fidelity or Vanguard. If your wife has concerns, why fight it and just give in to her and move her money to one of them. It doesn't sound like her company plan is worth staying with. One job I had was at Fidelity and...

Flymore

... It can stay with the employer plan, (she may yet do that) but I was comparing their funds with Vanguard and over the last 10 years Vanguard outperformed significantly. Because of that, I think she should move it out... Are these actively traded funds or ? A lot of 401ks have gotten better about...

Flymore

Does she have to move the money OR can it stay in employer plan? It can stay with the employer plan, (she may yet do that) but I was comparing their funds with Vanguard and over the last 10 years Vanguard outperformed significantly. Because of that, I think she should move it out. The other reason ...

Flymore

Wife maybe retiring soon. She's hesitant to roll-over her funds to Vanguard, as I have my funds there and she's worried about all eggs in one place. We reviewed the performance of her funds, with the company plan and they clearly underperformed the Vanguard funds over past 10 years. Suggested she lo...

Flymore

"What we are discussing is whether returns on this fund properly reward the risk. The fund did very poorly 2008-09."
I didn't own this fund during 08-09, acquired it in 2010 after the correction. Just luck

Considering the yield plus the price, I think it's done very well.

thanks.

Flymore

Looking at a chart of VWEAX since 2010 when I bought it, it appears the price has gone from 3.20 to 5.76.
So, looks good to me.
What am I missing?

Thanks.

Flymore

Is there another Social security analyzer I could try? thanks If you have a Vanguard account at the Flagship level, you can access Financial Engines through the Vanguard web site (after you log in). Financial Engines has a nice SS analyzer that is free to Flagship customers, and possibly others (40...

Flymore

...If you wait till 70, much of SS is taxes away because of RMD, no? thanks. You might want to clarify your question. 85% of my SS is subject to Federal income tax, both before and after I start RMDs. But situations vary considerably... My question is if you have an abundance of 401k money (whateve...

Flymore

It now looks like the SSanalyzer software is $300 per year.

https://www.ssanalyzer.com/site/index.php

Flymore

Thanks for the info.

Tried SSAnalyze, http://www.bedrockcapital.com/ssanalyze/ not working.

There's a reference to https://www.unitedcp.com/ca12/ but I don't see the link on that page to SSAnalyze.

Is there another Social security analyzer I could try?

thanks

Flymore

Let's say life expectancy is 84.
You take SS somewhere between 62 and 70, normal is 66.
If you wait till 70, much of SS is taxes away because of RMD, no?

thanks.

Flymore

Thanks for all the info.
Yes, got my latest statement, just says "not recorded yet" for last years earnings.
Anyway, the rest looks fine.
I'll be eligible for benefits in January, still haven't decided to start then or not.

They're probably reading this post.

Flymore

Happy Birthday.
Remember seeing you on Wall $treet Week with Louis Rukeyser, as I remember they didn't take you very seriously.
Thankfully I did eventually.

Flymore

Retired over a year ago at 60, do I need to tell Social Security I'll have no more income?
If so where do I do it? I've signed into the Social Security website and haven't been able to find any information.

thanks

Flymore

I suggest that anyone contemplating doing this or actively arguing against it read The International Living Guide to Retiring Overseas on a Budget: How to Live Well on $25,000 a Year https://www.amazon.com/s/ref=nb_sb_noss/144-0551074-1558745?url=search-alias%3Dstripbooks&field-keywords=The+Interna...

Flymore

I like my 2012 (generation 8) Impala more than the generation 9 Impala. The generation 9 will probably be dropped next year, cars are no longer popular SUV's are. The 2016 Impala Limited is like mine, unfortunately, GM cheapened the interior by putting a plastic foam steering wheel :oops: on it inst...

Flymore

Captain James T Krk. (William Shatner)
Captain Jean-Luc Picard (Patrick Stewart)

Flymore

My father taught me to drive a stick by letting me shift, work the leaver from the passenger seat with my left hand while he sat behind the wheel working the clutch, brake, gas pedal and steering. This takes a lot of pressure off the student, gives them a feel for how it works and isn't hard on the ...

Flymore

I'm new to making retirement withdrawals from my 401k. This year is looking like 2015, where the market only went up 1%. Unlike others on the board, I need to withdraw some from my 401k as my pension is only 6000 a year and I need 50k. I see three options, first withdrawal from principle, 2nd pull ...

Flymore

Don't think this is a question of asset allocation as BND didn't do any better than the market in 2015.

Thanks

Flymore

Thanks for the feedback.
Probable take usual distribution later this year as needed.
Could take SS this January at 62, but think I should wait to 66 based on reading at Vanguard.
The emergency fund is 50k about a year's spending and true this, not an emergency.
Am retired, getting used to it.

Flymore

I'm new to making retirement withdrawals from my 401k. This year is looking like 2015, where the market only went up 1%. Unlike others on the board, I need to withdraw some from my 401k as my pension is only 6000 a year and I need 50k. I see three options, first withdrawal from principle, 2nd pull s...

Flymore

Brake fluid doesn't circulate like radiator fluid. The fluid in the lines doesn't come in contact with the air.
What I have read, and what I do is pump out and change the fluid in the reservoir that becomes contaminated from moisture in the air.

Good Luck.

Flymore

The age factor kicks in after 50.

Some I know tried consulting, you may consider that.

Good Luck.

Flymore

At Taxact online it states, "Information Collection and Use TaxHawk, Inc. is the sole owner of the information collected on www.FreeTaxUSA.com. " Really! :twisted: :shock: So the information you enter becomes "their" information. Thanks, I like to keep MY information for myself as much as possible. ...

Flymore

What is your intention? Mine is to die broke, so I withdrew some last year at 61. Some on this board may want to leave a large inheritance and they plan accordingly so don't touch the principal. A friend intends to leave a large sum to his son and has his financial planner plan accordingly thus limi...

Flymore

Is the correction over or just getting started?

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