Search found 310 matches

by El Greco
Thu Jan 17, 2019 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16120

Re: Why are you NOT buying rental properties?

I used to work with a guy who at least a few times a month would look exhausted during the work day. I asked him once why he looked so tired. He explained that he had got up at 4' Oclock in the morning that day. I asked him why. He said he had to call his deadbeat tenant in the middle of the night t...
by El Greco
Wed Jan 16, 2019 11:43 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44926

Re: John Bogle has died at age 89

A great light has gone out.
by El Greco
Tue Jan 15, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31273

Re: Funniest movies of all time? Name five of your favorites...

The Producers (original version with Zero Mostel and Gene Wilder)
The Bank Dick
There's Something About Mary
Some Like it Hot
The Graduate
by El Greco
Mon Jan 14, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: Medallion Signature guarantee?
Replies: 46
Views: 4371

Re: Medallion Signature guarantee?

I don't know what part of the country you're in, but TD bank does it in my neck of the woods if you're a customer. They also provide many other traditional (and convenient) Brick and Mortar bank services that have been rapidly disappearing. i.e safe deposit boxes, drive up windows that open at 8 AM ...
by El Greco
Sat Dec 15, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19522

Re: Favorite Purchase of 2018?

I've got two:

My Moto G6 phone which replaced my super-glitchy Galaxy S5. Great phone and I don't miss having a "flagship" phone at all.

Soul Red Crystal Mazda CX-5 with parchment leather seats. What a great, little ride!
by El Greco
Thu Dec 06, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1958

Re: How to cheaply replace my smartphone?

Hi: Happy Moto G6 user here again. Verizon doesn't add that much bloatware. It's the incredible amount of crap that Samsung adds that's the problem. You can just go to the Verizon Store, have them give you some credit for your old Samsung and buy the phone there all activated and ready to go. They'l...
by El Greco
Thu Dec 06, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1958

Re: How to cheaply replace my smartphone?

I just traded in my poorly functioning Samsung Galaxy S5 at Verizon and purchased a new Motorola G6 for about $180. Phone has everything I need and not anywhere near as buggy as my old Galaxies were. You can also purchase this phone new and unlocked on Amazon, but I'm not sure how easy it will be to...
by El Greco
Wed Nov 28, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you direct Stock Index Capital Gains and Dividends
Replies: 20
Views: 1865

Re: Where do you direct Stock Index Capital Gains and Dividends

DW and I are not retired yet. We direct all taxable account dividends and distributions to a high-yield money market account and hold them there until the beginning of the year. Then we use the money to fully fund our ROTH accounts. We max out our 401Ks during the year and have little money left to ...
by El Greco
Tue Nov 27, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1774

Re: LastPass Questions

Thanks folks, Looks like I'll go for the single version and share with DW. Another question: Reading their literature it seems like you download something that gets attached to your browser or an App that you open with your master password to get your other passwords and that you can do this with al...
by El Greco
Mon Nov 26, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1774

LastPass Questions

Hi all: After years of incredibly lax internet security, DW and I are determined to get more serious by freezing our credit and implementing a password manager. We are currently considering LastPass premium. Do we need to purchase LastPass Family? We have no problem giving access to all the sites we...
by El Greco
Thu Nov 08, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is it difficult to inherit a non-retirement account at Vanguard as co-beneficiaries?
Replies: 3
Views: 515

Re: Is it difficult to inherit a non-retirement account at Vanguard as co-beneficiaries?

As others said, it's fairly easy. Be sure to set up the account TOD (transfer on death) naming the two beneficiaries. You will have to supply a death certificate, fill out some forms and get a Medallion signature from a bank or other financial institution. Vanguard is one of a few companies that ins...
by El Greco
Thu Oct 25, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Scariest Things Heard This Week (Investing)
Replies: 9
Views: 2697

Re: Scariest Things Heard This Week (Investing)

Want to hear scary? Recently, my employer offered us a session with a "Financial Advisor" to discuss our 401K and other financial concerns. He advised: 1. Buying 500K Term Insurance policies for our elderly parents. Said it was a "can't miss" way of making big profits 2. A 40/60 stock bond ratio for...
by El Greco
Mon Oct 22, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5716

Re: 8 reasons why pensions are [good]

9. People who don't have a pension will be envious of you. Like me.
by El Greco
Thu Oct 18, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17154

Re: Where would you go for financial guidance if you win the Megamillions?

900 mil jackpot? Forget about investing. Just buy a very big mattress.
by El Greco
Wed Oct 17, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 4121

Re: Corporate politics/culture

Valuethinker wrote:
Tue Oct 16, 2018 10:14 am
The 80-20 is standard McKinsey analysis and I wouldn't be surprised if they paid $1m+ to McKinsey for a consulting assignment with that particular insight.
All I have to add to this discussion is that if anyone from McKinsey shows up at your company...RUN!
by El Greco
Mon Oct 15, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3510

Re: Boglehead's Car Talk

Mazda CX-5. Personality, Looks, Reliability and crammed with safety features. Give one a test drive.
by El Greco
Wed Oct 10, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 45
Views: 5359

Re: Looking for Mazda CX-9 Feedback

Congrats on the CX-9. It's a great vehicle. Just bought a CX-5 Grand Touring for DW. It's a great vehicle, too. Viva Mazda!
by El Greco
Wed Oct 10, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2018 VIDEOS
Replies: 22
Views: 3764

Re: BOGLEHEADS 2018 VIDEOS

That Bogle guy is a pretty smart fella!
by El Greco
Fri Sep 21, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 2106

Re: New car - 0% loan or $500 rebate

What about inflation? I recently bought a car with 0% financing for 63 months. Why not pay for the car with cheaper dollars?
by El Greco
Wed Sep 19, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26014

Re: What is your single most expensive mistake?

It's a toss up:

NOT buying Apple at $14 a share

SELLING Netflix at $32 a share
by El Greco
Wed Sep 19, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3696

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

I agree with others. BMW is too much car for someone with your salary. You leased it, had your fling and fun. Reconsider down the line. For now, buy the new Civic,or perhaps a new Mazda3. You can probably get manufacturer 0% financing on the Mazda and it's a sharp, little ride. I would never buy out...
by El Greco
Tue Sep 18, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 6198

Re: Chase Bank is the Devil

I had a very poor and unfair experience with Chase 20 years ago. I made sure I quit them loudly and distinctly at a local branch, promising to never do business with them again in any capacity. I kept my word and have since advised many people in the ensuing 20 years, not to do business with them ei...
by El Greco
Wed Sep 12, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner insurance coverage
Replies: 21
Views: 1258

Re: Homeowner insurance coverage

FYI, I can attest that Liberty Mutual will stick it to you good for being a long time customer.
by El Greco
Thu Sep 06, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: could windshield claim to insurance impact what i pay?
Replies: 14
Views: 862

Re: could windshield claim to insurance impact what i pay?

I have made a few glass claims through the years. It has never seemed to impact my insurance rates. Our company at the time was Liberty Mutual. Your company will tell you where they want you to take it for repairs. In my area, Safelite is the big player. If it's a substantial windshield crack insist...
by El Greco
Tue Sep 04, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9941

Re: What is your stealth way to save monthly?

We pay for just about everything with a Fidelity 2% Cash back credit card and have the money deposited directly in a taxable account. You can painlessly save hundreds of dollars a year this way. Since we max out our 401k accounts and don't have much money left over from our pay to invest in our ROTH...
by El Greco
Thu Aug 30, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 7133

Re: Bosch dishwasher odor

Gee. I have a Plain-Jane Whirpool dishwasher and have experienced none of the issues you folks are having with your fancy-pants Bosch dishwashers. :D

PS: Oh, and it's very quiet, too.
by El Greco
Thu Aug 23, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17150

Re: Good Non-Boring Boglehead Cars Under $30k

Why are there so many recommendations for the Mazda 3? What's the attraction here? The engine sounds like a lawn mower, it has the worst road noise of any car on the market save maybe the Yaris, and it certainly doesn't make up for its lack of power with snappy handling like the BRZ/Miata/Golf. It'...
by El Greco
Tue Aug 21, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17150

Re: Good Non-Boring Boglehead Cars Under $30k

Take a hard look at Mazda. Great styling, terrific driving dynamics and superb bang for the buck. They are all very well equipped, reliable and have good safety ratings without being dull. Many choices in your price range including Miata, Mazda3, Mazda6, or CX-5 (if you want a sport ute). Just take ...
by El Greco
Tue Aug 21, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: How many brokers do you use simultaneously?
Replies: 16
Views: 791

Re: How many brokers do you use simultaneously?

Between me and my wife we have several accounts spread out over 2 brokers (IRAs, Roths, Taxable). I check them every trading day and sometimes on weekends. In my opinion, it is one of the best security measures I can have. If I see anything "funny" going on, I can cut it off at the pass. We're also ...
by El Greco
Wed Aug 08, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: 2016 Volvo XC90
Replies: 17
Views: 1725

Re: 2016 Volvo XC90

To quote Emeril Lagasse: "If it smells like fish, buy the lamb."
by El Greco
Tue Aug 07, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6662

Re: are mccormick gourmet spices better

McCormick spices are grossly overpriced. In my area we have a gourmet chain of supermarkets called Fairway that carry an excellent selection of reasonably priced house brand spices. They have a terrific house brand Dijon mustard that's ridiculously cheap, too
by El Greco
Mon Aug 06, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm
Replies: 19
Views: 1195

Re: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm

It took 6 weeks to move a small Roth Ira from Janus to Vanguard. This was about a year ago. I could not transfer funds in kind, so I had to go to cash, and money stayed out of the market for 6 weeks while Vanguard dithered around making the transfer. It took several phone calls and emails to straigh...
by El Greco
Mon Aug 06, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: HELOC
Replies: 20
Views: 1507

Re: HELOC

I think a HELOC is a great thing to have in your financial arsenal provided you have the discipline to use it properly. We have continuously had a HELOC for almost as long as we've owned a home (about 30 years). Sometimes we use it, sometimes we don't. We've used it for new car purchases because the...
by El Greco
Thu Aug 02, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5126

Re: Which diet soda pop do you enjoy?

Diet Pepsi. I think Diet Coke tastes awful.
by El Greco
Tue Jul 31, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Two Days on Long Island
Replies: 16
Views: 1608

Re: Two Days on Long Island

livesoft wrote:
Tue Jul 31, 2018 12:31 am
Check out who is performing at the Paramount in Huntington, NY. It's a smallish venue and superb. I see Brit Floyd is there on August 1. I may have to fly up just to see them again.
Seeing them at the Paramount, tomorrow. I'll say hello for you. 8-)
by El Greco
Tue Jul 31, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6593

Re: Hold one stock 25 years

BTW Con Ed is famous for cutting the dividend in the 1970s. At the stockholders meeting, retired seniors in tears begged them not to do this. [/quote] I remember that well. It was 1974 and Con Ed was my very first stock acquisition. After they suspended the dividend (the first time since 1885) the s...
by El Greco
Sun Jul 29, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 3016

Re: Any problems with freezer "drawer" models

I have this design for the last 5 years. Kenmore elite which is really LG brand. Has performed flawlessly and drawers are very sturdy. The ice maker is also in the top drawer which has also performed well. Big bin that holds plenty of ice, which is good because I like ice.
by El Greco
Sat Jul 28, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6593

Re: Hold one stock 25 years

Verizon. I've held it for 10 years, and will hold it at least another 15. Forget about oil, forget about commodities, forget about retailers. Any company that comes up with new and better ways to allow people to talk,text and send pictures incessantly is a winner in my book. :D
by El Greco
Thu Jul 26, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 3106

Re: How to make opened bottles of wine last longer

Perhaps my palate isn't as sensitive, but I find that the Vac-U-Vin brand of rubber stoppers and hand vacuum pump work quite well to help keep open bottles of wine tasting good for up to a week or two. https://www.amazon.com/dp/B000GA3KCE/ref=dp_cerb_2 I also started using stoppers that come as an a...
by El Greco
Thu Jul 19, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7921

Re: How do you handle the urge to DO something?

I think about all of the dumb things I DID in the past. That usually cures me.
by El Greco
Tue Jul 17, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10526

Re: Why own a bed?

Bed? Bah, Humbug!
by El Greco
Fri Jul 13, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 6038

Re: Would you trade experiences in your youth for early retirement

I had many wonderful experiences in my youth that I wouldn't trade for, but are part of the reason why I won't be able to early retire. You see, I was having so much fun that I didn't get a "real" job until I was 29. Didn't really start saving until my late thirties because my wife and I did a lot o...
by El Greco
Wed Jul 11, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 317
Views: 35500

Re: Concierge medicine Worth It????

This phenomenon has been discussed on doctor forums I participate in. Is it better to have a BMW or an old Honda parked in the doctor's spot at the office? There are patients who believe a Honda means the doctor is not very successful while others like the idea that the doctor drives the same car t...
by El Greco
Wed Jul 11, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 317
Views: 35500

Re: Concierge medicine Worth It????

This phenomenon has been discussed on doctor forums I participate in. Is it better to have a BMW or an old Honda parked in the doctor's spot at the office? There are patients who believe a Honda means the doctor is not very successful while others like the idea that the doctor drives the same car t...
by El Greco
Tue Jul 10, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2410

Re: Thoroughly cleaning grimy tile

Magic Erasers are good, but it depends on how grimy the tile is and what the grime is comprised of. Where we live, the local water supply deposits a yellow-orange type of scale which nothing seems to touch–even Magic Erasers. After years of repeated failures, my wife used a green Scotchbrite pad in ...
by El Greco
Tue Jul 10, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 5101

Re: Which advanced tech is necessary in cars?

Don't listen to all the Luddites on here. Unless you exclusively drive 30 mph on deserted country back lanes, these new features can be quite useful and make you a better and safer driver. Personally, I find Blind Spot monitoring very helpful. It's like another set of eyes in fast moving highway tra...
by El Greco
Mon Jul 02, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 400149

Re: What are you up YTD? [Year To Date]

Up? I don't consider fractions, "up".