Search found 299 matches

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: 481

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: 2655

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: 5617

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: 16805

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: 4050

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: 3420

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: 5152

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: 3601

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: 2075

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: 25485

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: 3610

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: 6129

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: 1244

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: 828

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: 9755

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: 5337

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: 16793

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: 16793

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: 770

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: 1682

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: 6523

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: 1156

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: 1476

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: 5034

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: 1586

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: 6498

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: 2990

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: 6498

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: 3039

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: 7837

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: 10355

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: 5983

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: 314
Views: 34210

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: 314
Views: 34210

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: 2385

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: 5043

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: 2001
Views: 372093

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

Up? I don't consider fractions, "up".
by El Greco
Sun Jul 01, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2379

Re: How does this ebay scam work?

Experienced eBay seller here. Most likely not a scam. A mistake. Ebay is not friendly to sellers. If a buyer does not like an item for ANY reason, eBay will force seller to take back the item, refund money and pay for shipping in both directions, the cost of which can be considerable. As a seller, y...
by El Greco
Thu Jun 28, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6667

Re: Vanguard is really pushing their Personal Adviser Service

My only wish is that Fidelity offered the same service with the same AUM so that all of ones money doesn't need to be in one place. There is the Fidelity Go service that is competitive with Vanguard PAS. My understanding is that Fidelity GO is completely a Robo Advisor. I would like to see somethin...
by El Greco
Thu Jun 28, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is really pushing their Personal Adviser Service
Replies: 65
Views: 6667

Re: Vanguard is really pushing their Personal Adviser Service

You folks live in a bubble. The Boglehead Bubble. The vast majority of people that I know have zero knowledge about investing. They have a "guy" that rips them off for 2-3% a year, frequently with front loads on top of that, so I don't begrudge Vanguard their .3%. They are a business, after all, not...
by El Greco
Sat Jun 23, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Looking for Mazda CX-9 Feedback
Replies: 45
Views: 5152

Re: Looking for Mazda CX-9 Feedback

I'm a little perplexed by the low reliability ratings for Mazdas. I bought my 2014 Mazda 6 new and it's been tight and trouble free 40,000 miles later. Plus I know several other recent Mazda owners who love their vehicles and haven't had a spot of trouble with them. They own CX-9, CX-5, Mazda 6, Maz...
by El Greco
Thu Jun 21, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 5977

Re: "distilled" water for wife's CPAP machine

My wife uses a CPAP machine at night and the one she uses has a container for water. She buys "distilled" water. Before I suggest this to her - I wonder if the condensed water from a dehumidifier might be satisfactory as a "free" alternative? OP, thanks for this post. I'm going to show it to my wif...
by El Greco
Thu Jun 21, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35793

Re: What is/ was your career and would you recommend it now?

Advertising Creative Director. It used to be a fun, glamorous and relatively well-paid career. Now, not so much. I've noticed that most positions pay about the same amount as when i first started about 30 years ago, NOT adjusted for inflation. Now it is a lot less about creativity and a lot more abo...
by El Greco
Tue Jun 19, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 4243

Re: Article on hotel booking sites - no bargains

I always book hotels direct and get better prices–and rooms–than the sites are usually offering. Sometimes I call, and have frequently obtained an even better deal, particularly with a hotel that is not affiliated with a huge chain.
by El Greco
Wed Jun 13, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2963

Re: Trade-up my $89 Walmart bike

Don't be cheap. Buy the DS1 or DS2. You'll be glad you did. 10 years ago I agonized about spending $350 dollars on an entry level Trek Hybrid 7200. Best money I ever spent as far as health benefits and enjoyment. Last year bike was stolen, and again, I agonized over replacing it with a more expensiv...
by El Greco
Tue Jun 12, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 39144

Re: Bogleheads, tell me about your 40's?

I am now in my sixties but when I entered my forties I made this observation:

When you're over 40 and you wake up in the morning with a weird pain, your first question should be: "Is this permanent?"
by El Greco
Sun Jun 03, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2855

Re: Need to replace my Vizio TV..............

I had a bad experience with Vizio, too. Hdmi ports went bad causing sound not to play on high def stations, plus an inexplicable noise line at the top of the screen. Tossed it in the Outback and took it back to Costco, where I got full credit and bought a Sony. Very happy with the Sony. Subsequently...
by El Greco
Thu May 31, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18579

Re: Top Shelf Liquor Overrated?

I have two. I occasionally enjoy a vodka martini and never found anything better than Skyy, and that includes Grey Goose. I also buy Gran Gala (an Italian knockoff) for 1/2 the price of Grand Marnier and I actually like it better.