Search found 1414 matches

by friar1610
Sat May 25, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 77
Views: 9895

Re: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]

An appropriate movie to watch over Memorial Day weekend, even if it is more Brit-centric.
by friar1610
Thu May 23, 2019 3:21 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 139
Views: 11809

Re: just a general comment about "too conservative" investors here

From Youngblood: Yeah, I do tend to think, senior citizens with >50% equity allocation could be taking excessive risk. +1 from a 74 y.o. I'm currently under 50% equities but if/when the market drops significantly I plan to move to 50% - no more - and leave it there forever. If the market keeps movin...
by friar1610
Fri May 17, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Probate costs?--I am the sole heir and the executor
Replies: 65
Views: 5510

Re: Probate costs?--I am the sole heir and the executor

If you do not want to pay 3% then you better get on the horn with some probate atty's that will work by the hour. An accountant to deal with taxes is helpful as well. If the 2 sisters challenge the process, then you will be glad to have had an atty do things properly. I haven't read all the posts i...
by friar1610
Thu May 16, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: How do you treat I Bonds in AA?
Replies: 7
Views: 708

Re: How do you treat I Bonds in AA?

Thank you, makes sense Imho there is a big difference between MM and bond fund btw I personally consider my I-bonds to be "Bonds" within the "Fixed Income" portion of my portfolio. I also consider my MM funds and very short (<13week) T-bills to be part of the "Cash" portion of my portfolio. I do th...
by friar1610
Wed May 15, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Dealer or Local Mechanic?
Replies: 41
Views: 1943

Re: Dealer or Local Mechanic?

I just used the dealership for (what I hope is) my last service with them. It's a late model Volvo that I bought used a year ago and it still had one free service left on it. From now on I will use the local independent shop that I had used for my previous Volvo. When I had that last service done at...
by friar1610
Tue May 14, 2019 6:15 am
Forum: Personal Consumer Issues
Topic: Heating with propane?? Good idea?
Replies: 38
Views: 1908

Re: Heating with propane?? Good idea?

We now live in Maine and have propane. It's currently more expensive than natural gas (which isn't available in my town) but less expensive than electric. Other than that, it's just fine. My preferences (from most preferred to least preferred) would be: - Natural gas - Propane - Oil - Electric - Du...
by friar1610
Mon May 13, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: FERS-Military Buyback and Early Retirement
Replies: 8
Views: 574

Re: FERS-Military Buyback and Early Retirement

Here's one other thing to look at (may or may not be a consideration for you): If you buy back the years, you will presumably have a higher pension when you retire. If, at the time you retire, you opt for the Survivor Benefit Plan for a spouse, you would be able to provide more income for her/him in...
by friar1610
Fri May 10, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: Balance Finds
Replies: 17
Views: 1284

Re: Balance Finds

My question is this: If one is interested in either increasing or decreasing one's equity or bond allocation in a balanced fund without effecting the other holding be it equity or bond, how is it done? Thanks. If I understand your question correctly, you can't increase the equity or bond allocation...
by friar1610
Fri May 10, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: William Bernstein first guest on new weekly Morningstar Podcast
Replies: 24
Views: 3147

Re: William Bernstein first guest on new weekly Morningstar Podcast

TravelGeek wrote:
Fri May 10, 2019 10:46 am
Thank you. My list of podcast subscriptions continues to grow. Listening to all of them would be more than a full time job by now :)
I listen to podcasts while I'm working out or walking. Guess I'll be getting more exercise! :beer
by friar1610
Thu May 09, 2019 4:21 pm
Forum: Personal Investments
Topic: Does a 3 Year CD Substitute For Bonds in your AA?
Replies: 10
Views: 891

Re: Does a 3 Year CD Substitute For Bonds in your AA?

It certainly can be considered a bond "substitute". When people say stocks and bonds they actually mean stocks and "fixed income assets", not just bonds. This does not mean that a CD should always be considered part of your bond allocation. If the CD is for a specific purpose, such as an emergency ...
by friar1610
Wed May 08, 2019 2:30 pm
Forum: Personal Investments
Topic: Fisher Investments--again
Replies: 16
Views: 2887

Re: Fisher Investments--again

What I really need is advice from a "fee-per-hour" fiduciary--or do I? How does one go finding such a beast? Thanks, b-heads. Old Galoot There is a guy who posts on this site occasionally who offers, for a fee, to find a fee-only advisor for you in your area. There is also a respected poster with a...
by friar1610
Sat May 04, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 183
Views: 15853

Re: What non fiction book will you be reading in 2019?

Just finished "Code Girls" by Liza Mundy. About the women who, as civilians, WAVES and WACs during WW2, broke the German and Japanese codes encrypting their message traffic and, in so doing, were instrumental in winning the war. Some of the women remained in that line of work after the war and were ...
by friar1610
Fri May 03, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Move to South Florida or Baltimore?
Replies: 29
Views: 2829

Re: Move to South Florida or Baltimore?

My familiarity with the Baltimore area is dated. But if you haven't already done so you might take a closer look at Howard County. Closer to Baltimore than Mongomery County. Last I knew the schools there were gaining very quickly on/surpassing Montgomery Cty. Lived in both Montgomery and Baltimore C...
by friar1610
Tue Apr 30, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 613
Views: 50814

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Today I was talking to the Flagship rep and I was told: - check writing won't actually go away on the settlement account (Fed MM) although it will have to be reestablished (with a new checkbook/new checks) once the brokerage account ceases to be an Advantage account and takes on its new life as a s...
by friar1610
Mon Apr 29, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Xenon headlights w/ automatic high-low beam?
Replies: 7
Views: 624

Re: Xenon headlights w/ automatic high-low beam?

onourway wrote:
Mon Apr 29, 2019 7:53 am
A 2015 XC70 has HID low beams and H7 halogen high beams. The HID bulbs are illuminated at all times. Only the halogens turn on and off for high beams.
Thank you, onourway and lazy David. I understand now.
by friar1610
Mon Apr 29, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Xenon headlights w/ automatic high-low beam?
Replies: 7
Views: 624

Re: Xenon headlights w/ automatic high-low beam?

Most Volvos have historically used halogen high beams in addition to the HID low beam. Both beams (all 4 bulbs) are lit with high beams on. Is your model different than this? I bought the car used so I don't have the factory sticker from the rear window that lists all the features. I searched on th...
by friar1610
Sun Apr 28, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Xenon headlights w/ automatic high-low beam?
Replies: 7
Views: 624

Xenon headlights w/ automatic high-low beam?

I have a 2015 Volvo with xenon headlights and the automatic dimming feature when you are using high beams and approach another car. But the question pertains to any similarly equipped car. In some driving situations the dimming feature seems to get a lot of use - frequently back and forth between hi...
by friar1610
Sun Apr 28, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Is 2 weeks in Amsterdam a bit much?
Replies: 45
Views: 3325

Re: Is 2 weeks in Amsterdam a bit much?

Two weeks is going to be a bit much. Venture out to some other countries during your second week. I’m going to Paris after Amsterdam. I’m debating whether to do one week, or two weeks, or in between in Amsterdam. Why Paris, my husband wants to see Normandy, Dunkirk, all that WW2 stuff. In my opinio...
by friar1610
Thu Apr 25, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Interest on ibonds
Replies: 23
Views: 1596

Re: Interest on ibonds

I have a bunch if I-Bonds, many of them from the good old 3.4% days. Something that has occurred to me as making sense to pay taxes on interest from the beginning (which I have not done): Say you are married and doing taxes MFJ. You are getting close to the upper limit of your tax bracket, 22% in my...
by friar1610
Thu Apr 25, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27296

Re: 20 countries where 200K in retirement savings will last you decades

# 10 on the list is the Philippines. Having just returned from a 5 week stay there I was wondering if it would be on this list. The Phils seems to be popular among certain expats, and I thought it might be representative of the countries in such a list. Let me tell you, life there is HARD . Whether...
by friar1610
Mon Apr 22, 2019 4:54 pm
Forum: Personal Investments
Topic: Exchange Vanguard Admiral for Investor- capital gains?
Replies: 16
Views: 938

Re: Exchange Vanguard Admiral for Investor- capital gains?

I don't understand the reasoning of those saying this would become a taxable gain. Isn't this just a conversion of the same fund from one share class to another? Why would converting from Investor to Admiral or EFT not be taxable while going from Admiral to Investor would be?
by friar1610
Sun Apr 21, 2019 8:09 pm
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 95
Views: 11007

Re: Re-Examining an assumption: 45% bonds in retirement?

AtlasShrugged? wrote:
Sun Apr 21, 2019 6:45 am


PS: Nisiprius....I just want to say that your 'Grape Brick' post was one of the most humorous, and spot-on posts I have ever read. :happy
Any chance of a link? I tried searching and couldn't find it.

Thank you.
by friar1610
Sun Apr 21, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9403

Re: Luxury car recommendations?

Years ago I bought a 2 year old Lexus ES-300 off of a lease. It was very low mileage and it was an excellent car that I drove for 12 years with virtually no problems. I know Lexuses are different now - whether better or not I simply do not know. But based on my experience with that one I would certa...
by friar1610
Sat Apr 20, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9432

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I guess that you do not need a visa to visit St. Petersburg. What cruise did you do? (I personally didn't experience any 40 minute lines as noted in another post, but that may have been because Viking carries fewer passengers. I will say the Russian customs officials were not a friendly bunch. I sp...
by friar1610
Sat Apr 20, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9432

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

We are 73/71 and have been retired for about 15 years. We've travelled a fair amount and have gone to some interesting places but have done so in a fairly conventional manner (no renting an RV in Cambodia or touring South America on a motorcycle Che style). Primarily cruises, tours or going to a big...
by friar1610
Sat Apr 20, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9432

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Semi-retired. We were in St. Petersburg (Russia, not Florida) for two days as a cruise port. Fascinating place, if you are interested in history. Also recommend Rome, Italy and London, England for the same reason. I guess that you do not need a visa to visit St. Petersburg. What cruise did you do? ...
by friar1610
Wed Apr 17, 2019 8:14 pm
Forum: Personal Investments
Topic: Does Vanguard Offer Automatic Rebalancing
Replies: 13
Views: 1641

Re: Does Vanguard Offer Automatic Rebalancing

It's interesting that automatic rebalancing is available with Vanguard Variable Annuities but not with mutual fund/brokerage accounts.
by friar1610
Wed Apr 17, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3329

Re: dropping umbrella and increasing auto liability

Several years ago I realized that my assets had grown to the point where it looked like I needed to increase my umbrella coverage from $X to $Y. I was surprised how much more the premium for $Y was than for $X and I expressed this to the insurance company. The insurance company rep advised me to sim...
by friar1610
Tue Apr 16, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12014

Re: What Are Your Simple Pleasures?

canderson wrote:
Tue Apr 16, 2019 8:55 am


On a hot lazy summer afternoon, relaxing on the couch with the Res Sox game on.

Sure hope the Sox make it more relaxing to watch them by the hot, lazy summer than they have thus far! :oops:
by friar1610
Mon Apr 15, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 14410

Re: In Laws Retirement Nest Egg

I agree with the tenor of most of the advice you've gotten. It struck me as strange that one one hand they're "frugal" but on the other hand they eat out "only" twice a week. And still, in their frugality, manage an annual vacation. To lotsa retired couples that would be a very welcomed step above f...
by friar1610
Thu Apr 11, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Estimated Taxes in Retirement
Replies: 31
Views: 2931

Re: Paying Estimated Taxes in Retirement

To me, quarterly estimated taxes are a PITA. So I just make an educated guess on what my interest and dividend income is going to be for the year and adjust the state and federal withholding from my pension accordingly. So far I've been very close and I've either owed a very few bucks or gotten a ve...
by friar1610
Wed Apr 10, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2143

Re: Add more value to undergrad application during high school

This is not terribly profound but I was at a presentation at a college a year ago where they were talking about how to increase the competitiveness of applications. In addition to mentioning many of the things above (heavy math & science, etc) they said that four years of the same foreign language i...
by friar1610
Wed Apr 10, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 613
Views: 50814

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

This may have been posted somewhere in the 12 pages of posts above but I have not read every post/page. I'm in VG Advantage although I don't use any of the cash management account features. For some reason I was put into it years ago when I asked for check writing and an ATM debit card for my taxabl...
by friar1610
Wed Apr 10, 2019 1:18 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1775

Re: NFCU 40 month 3.75% IRA/ESA Cert

Probably overkill, but I always put $50 into these certificates just to reserve the right to get 3.75% on a one year CD 28 months for now (just as an example). At maturity I end up just rolling the money into my highest yielding certificate I have, so keeping my options open hasn’t actually paid of...
by friar1610
Tue Apr 09, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1775

Re: NFCU 40 month 3.75% IRA/ESA Cert

I have been a member of NFCU for 30 years. How does one go about getting an application? navyfcu.org Navigate to certificates. There will be an "open now" button at some point. When you click on that you will be asked to log in. Then follow the directions. If you don't have on-line access you can c...
by friar1610
Tue Apr 09, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6408

Re: How Much Do You Pay For Haircut?

$14 + $3 tip = $17. About 5 weeks between haircuts on average.
by friar1610
Tue Apr 09, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 138
Views: 18387

Re: Trader Joe's Fans - good value?

I like Trader Joe's and if there were one a little closer to us I'd shop there more often. I do have a question, though. When I shop at Trader Joe's I have the impression that, within reason, you name it, they have it--but only one kind , never a choice. Is that your impression, too? If so, is that...
by friar1610
Tue Apr 09, 2019 3:24 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1775

Re: NFCU 40 month 3.75% IRA/ESA Cert

I have opened this CD but it was some hassle to move money into it. Specifically, moving money from PenFed took a long time, and only after I called them, they have transferred the money. Transfer from Vanguard to NFCU was much faster. Victoria Thank you. I just got off the phone with NFCU and they...
by friar1610
Tue Apr 09, 2019 11:12 am
Forum: Personal Investments
Topic: Reasonable plan for tilting?
Replies: 17
Views: 1606

Re: Reasonable plan for tilting?

bloom2708 wrote:
Tue Apr 09, 2019 10:04 am

Don't put Total US Bond in taxable. If you need bonds in taxable, use a Fed or State tax-exempt municipal bond index.

Good luck!
Wouldn't the wisdom of following this advice depend on the OP's tax bracket?
by friar1610
Tue Apr 09, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: Retirees: Are you annually spending in Real or Nominal Terms?
Replies: 63
Views: 3899

Re: Retirees: Are you annually spending in Real or Nominal Ter

When I retired about 16 years ago I set up a really nifty spreadsheet to track the monthly withdrawals we would be taking from the portfolio over and above my pension. It could accommodate inflation increases for future years and was pretty anal in a number of other ways. Guess what? After a few mon...
by friar1610
Mon Apr 08, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1775

Navy FCU 40 month 3.75% IRA/ESA Cert

This may have been posted before and I missed it. Got an email today advertising a 40 month 3.75% IRA/ESA certificate up to $150K. Apparently once you've opened it at a lower amount you can add to it later up to the limit. Does anyone have a feel for how big a hassle it would be to move money from a...
by friar1610
Fri Apr 05, 2019 10:31 am
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 3905

Re: Selling Series I Bonds

I have had a couple of email exchanges with TD on this topic and here is how it went: This was my initial question: I have electronic I-Bonds registered to "John Friar OR Mary Friar" - my spouse - and others registered to John Friar WITH Mary Friar". I know that some of the bonds were originally pap...
by friar1610
Thu Apr 04, 2019 8:59 pm
Forum: Personal Investments
Topic: Leaving First Command Tax Repercussions
Replies: 28
Views: 2082

Re: Leaving First Command Tax Repercussions

Ugggg I'm so sorry you're dealing with that FirstCommand BS OP. I got sucked in by them back in '96 in my Lt. days when they were USPA & IRA. It was an expensive lesson, but it did get me started investing. Sadly I pulled all my money out just a smidge too soon to get anything out of the Class Acti...
by friar1610
Wed Apr 03, 2019 5:12 pm
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 3905

Re: Selling Series I Bonds

Friar, You need to call the treasury retail division because your situation appears to be unique and I don't know how to answer your question. Thank you. I'll see if I get an answer to my email; if not within a reasonable period I'll call them. I'd prefer to get something in writing, hencecthecemai...
by friar1610
Wed Apr 03, 2019 3:56 pm
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 3905

Re: Selling Series I Bonds

Not to beat this to death, but.... I just went on the TD web site to do the quarterly update of I-Bond values. (All of my I-Bonds are in electronic format they were purchased in "chunks" at different times. I noticed that one chunk of 3 bonds (purchased in 2014 and 2017) has the registration listed ...
by friar1610
Sun Mar 31, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26214

Re: "The best and worst U.S. states for retirement"

I would love to find a no kidding across the board easy to read comparison of the states(preferably in Excel), but I haven't yet. I am about two years out from military retirement and have been bouncing between mid/northern New Hampshire and mid Maine for post military locations. I still have famil...
by friar1610
Sun Mar 31, 2019 1:09 pm
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 3905

Re: Selling Series I Bonds

There is also the issue of a lack of co-ownership structure for electronic savings bonds held in TD. With paper ones, the surviving co-owner is not forced to pay taxes on all bonds when the other co-owner dies. (S)He can take the time to do nothing, redeem a little or redeem them all, depending on ...
by friar1610
Sun Mar 31, 2019 12:37 pm
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 3905

Re: Selling Series I Bonds

I have a bunch of I-Bonds, some of them with 3.4% fixed rates (to which the inflation adjustment is added). No way do I want to sell them before their time. I also have a list of all our assets, where they're held, the URLs for the web sites, the log-ins and passwords readily accessible by my spouse...
by friar1610
Tue Mar 26, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest
Replies: 22
Views: 2009

Re: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest

How would one go about finding an investment advisor to provide portfolio management/withdrawal advice to a new widow whose recently deceased DIY spouse had historically handled all family investment matters? Are there advisors willing and able to do periodic "handholding" on an hourly fee basis vs....
by friar1610
Fri Mar 22, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need Foreign Currency
Replies: 25
Views: 1284

Re: Need Foreign Currency

In addition to what's mentioned above, USD are virtually second currency in CR.