Search found 1466 matches

by friar1610
Wed Jul 17, 2019 5:06 pm
Forum: Personal Investments
Topic: Ferri? Or Vanguard PAS?
Replies: 61
Views: 3871

Re: Ferri? Or Vanguard PAS?

I've had dealings with both PAS and Rick. I'm a 74 yo retiree with a wife about 2 years younger. On three separate occasions over the years, I've asked VG to review our port with a view toward enrolling in PAS. We have some assets outside of VG that I told them about but I never felt they holistical...
by friar1610
Wed Jul 17, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Referral for Financial Planner
Replies: 17
Views: 1251

Re: Referral for Financial Planner

Garrett Planning Network may be a good choice for you. Fee only with nothing to sell that acts as a fiduciary. Usually costs $300 an hour. "The Long View", Morningstar's podcast, had Sheryl Garrett, founder of the Garrett Planning Network, as a guest on today's edition. Another highly respected fee...
by friar1610
Tue Jul 16, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Ring video doorbell 2
Replies: 8
Views: 1222

Re: Ring video doorbell 2

StandingRock wrote:
Tue Jul 16, 2019 1:20 pm
Just get a mean dog.
Will eat more than $30/year.
by friar1610
Tue Jul 16, 2019 9:13 am
Forum: Personal Investments
Topic: Bond question: VBTLX vs VBILX
Replies: 20
Views: 1754

Re: Bond question: VBTLX vs VBILX

I haven't checked in a while, but as I recall, here are the major arguments put forth in many previous threads: - VBTLX has more Govt and less corporate holdings. (70-ish govt vs. 50-ish for VBILX) IIRC. Makes the latter a bit riskier. VBTLX held its value better during the Great Recession. - VBTLX ...
by friar1610
Mon Jul 15, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

I have no thoughts/advice on this specific issue. But I do think it's a great thread to which to refer posters who ask about whether owning rental real estate is a good alternative to index funds.
by friar1610
Sun Jul 14, 2019 10:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 8281

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

Darn I was considering the first of a ladder of SPIAs through Vanguard starting in 2020. It looks like that option is off the table. The advisors at Vanguard have long discouraged me from using a variable annuity as it would add fees. I am happy with a savings annuity at USAA (not annuitized) . A C...
by friar1610
Thu Jul 11, 2019 3:55 pm
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 1971

Re: Anyone else have VG phone reps push toward PAS?

Any online business that asks you to input your data is planning to use it at some point. Yes they have to give you some incentive to input your data, some benefit to you, but everything they do is also for their benefit. I don't think Vanguard aggressively uses (or at all) this data, but they coul...
by friar1610
Thu Jul 11, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 30
Views: 3307

Re: Another NFCU CD deal

OAG wrote:
Thu Jul 11, 2019 3:31 pm
snowman wrote:
Wed Jul 10, 2019 4:11 pm
Got this offer today. Just sharing here if people are interested. 3.0% for 7 or 25 months.

https://www.ent.com/3percent
FDIC/NCUA Insured? I did not find that information at that site.
I clicked on the link and it says "NCUA Insured" at the bottom of the page.
by friar1610
Thu Jul 11, 2019 1:22 pm
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 1971

Re: Anyone else have VG phone reps push toward PAS?

This is why I have never seriously considered PAS - they're looking only at your VG assets in isolation. They say they "consider" your outside assets but in several attempts to get them to recommend a VG portfolio which accounts for my I-Bonds and CDs they have failed to do so. On one occasion they...
by friar1610
Thu Jul 11, 2019 10:16 am
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 1971

Re: Anyone else have VG phone reps push toward PAS?

A few months ago my spouse called to get something done and was told about PAS. Our Vanguard assets would look terrible by themselves, but combined with the rest of our portfolio I think they look great. The Vanguard reps have no idea about our non-Vanguard assets. This is why I have never seriousl...
by friar1610
Tue Jul 09, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 30
Views: 3307

Re: Another NFCU CD deal

BogleMelon wrote:
Tue Jul 09, 2019 9:53 am
Is this exclusive for military and their families? Is there a way a civilian could join?
Yes. Check and see if you meet any of the criteria:

https://www.navyfederal.org/membership/ ... 10/19/2017|||
by friar1610
Tue Jul 09, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Volunteer suggestions
Replies: 55
Views: 2599

Re: Volunteer suggestions

I am currently a literacy volunteer, in a program hosted by our public library. There are two tracks: one for teaching reading and writing to native speakers, and an ESOL* track for teaching English to speakers of other languages. I'm in the ESOL program. I received eighteen hours of training. You'...
by friar1610
Mon Jul 08, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 10533

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

Can one hire a book keeping service to receive bills, pay them, and send a periodic accounting to a distant but reliable person? Most of bill pay is very simple to automate; all my necessary utilities are automatically paid directly out of my checking account (via autodebit) and all my various subs...
by friar1610
Mon Jul 08, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 30
Views: 3307

Another NFCU CD deal [Navy Federal Credit Union]

Noticed that NFCU just posted (today) a 3.5% APY 5 year certificate with a $1,000 minimum. 12 month EWP. Somewhat stringent membership requirements.

https://www.navyfederal.org/products-se ... -rates.php
by friar1610
Sat Jul 06, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2121

Re: No more print Mad magazine

Summit111 wrote:
Fri Jul 05, 2019 9:26 pm
Spy vs Spy😎
Just the other day I referred to something involving two people always trying to outdo each other as being akin to the old Mad magazine Spy vs Spy.. I was greeted with a blank stare. Glad to see at least one other person is culturally aware enough to remember them.
by friar1610
Fri Jul 05, 2019 9:54 pm
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2517

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

BTW, if you are Flagship member, the do honor checks <$250 but if you do it a lot you will get a "reminder". When this issue first came up, my Flagship rep told me there would be no $250 limit on checks. I posted that in a BH thread but then others claims to have gotten different answers so I assum...
by friar1610
Fri Jul 05, 2019 9:44 pm
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2517

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

I completed the form and received checks for my Vanguard brokerage account recently. The checks do have an ABA routing # and account # printed on them. In addition to the settlement account money market fund (MMF), I was able to designate one backup MMF on the form to be used as a source of funds f...
by friar1610
Thu Jul 04, 2019 9:40 pm
Forum: Personal Investments
Topic: Alternatives to CD laddering as rates decrease
Replies: 22
Views: 2728

Re: Alternatives to CD laddering as rates decrease

I thought one of the main ideas of CD ladders (in addition to having the individual CDs mature at varying, regular points in time) was that you would take the best interest rate that was available when you needed to renew a maturing CD. Sometimes that would be a great rate and sometimes it wouldn't....
by friar1610
Thu Jul 04, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Anyone have any experience with AHI tour company for travel to Egypt or any other destination?
Replies: 4
Views: 430

Re: Anyone have any experience with AHI tour company for travel to Egypt or any other destination?

My wife and I have been on two AHI tours: one to Provence and one to Cuba. (We just squeaked in before the rules for Cuba travel by Americans changed.) Both trips were with my college alumni group. (I believe AHI's niche market is primarily affinity groups such as alumni associations.) Both trips we...
by friar1610
Wed Jul 03, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Jitters
Replies: 25
Views: 2119

Re: Asset Allocation Jitters

GIven your questions, perhaps this would be a good thing to do: Portfolio Review Request https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Read and review: Risk Tolerance (what is your "sleep factor"?) https://www.bogleheads.org/wiki/Risk_tolerance Asset Allocation (what is right for you?) ...
by friar1610
Wed Jul 03, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Does this car exist? Sexy convertible with a backseat
Replies: 53
Views: 3263

Re: Does this car exist? Sexy convertible with a backseat

Buick Cascada. Has the back seat. Probably doesn't check the other boxes.
by friar1610
Mon Jul 01, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: Mel Lindauer is my next guest on the “Bogleheads on Investing” podcast
Replies: 11
Views: 1498

Re: Mel Lindauer is my next guest on the “Bogleheads on Investing” podcast

A lot of people seem to argue that holding I-Bonds isn't really worth it because most/all of the gains will be taxed away, particularly if you defer the interest and hold them well into retirement such that redeeming them only adds to the "tax bomb" created by SS and RMDs. And, their value doesn't "...
by friar1610
Sun Jun 30, 2019 7:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 8281

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

I checked my current VG VA contract. Insurance fees are 0.30%. (When I was with Transamerica, under a different contract, the insurance fees were 0.65%.) Anyway, if the current contract is honored, my understanding is that my insurance fees should remain at 0.30% after Transamerica takes over the c...
by friar1610
Sat Jun 29, 2019 8:01 pm
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 37
Views: 8016

Re: Rick Ferri Fixed Income Portfolio Funds/ PFFD ETF

I just listened to the White Coat Investor podcast with Rick Ferri and thought it was excellent. However was somewhat confused with his comments regard the PFFD ETF. He said, "The fixed income portion of his portfolio, only a small portion of it, basically two years worth of living expenses are in ...
by friar1610
Thu Jun 27, 2019 6:30 am
Forum: Investing - Theory, News & General
Topic: Josh Brown on "The Long View" podcast
Replies: 9
Views: 1321

Re: Josh Brown on "The Long View" podcast

Target Date Funds were and are cookie cutters for years Vanguard VPS is very expensive for 30 bps for nothing but cookie cutter portfolio and cookie cutter advises Josh is a good guy now, I love watching his CNBC passive way of preaching for index funds among Active Shark Tank Traders I love Long V...
by friar1610
Wed Jun 26, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: Josh Brown on "The Long View" podcast
Replies: 9
Views: 1321

Josh Brown on "The Long View" podcast

Today while walking the dog, I listened to the most recent Morningstar "The Long View" podcast. It was an interview with Josh Brown of "The Reformed Broker" fame. He is also the CEO of Ritholtz Wealth Management. He discusses a variety of topics including: - his own background - the trend away from ...
by friar1610
Mon Jun 24, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1334
Views: 136995

Re: [What TV Show Have You Recently Watched?]

Years ago I had the need for IVs twice a day, and a nurse would come by twice a day. While I was receiving my IVs, the nurse and I would watch Investigation Discovery channel. The basic premise was someone was murdered, and the show would go from the beginning of the murder, and end with the murder...
by friar1610
Mon Jun 24, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1334
Views: 136995

Re: [What TV Show Have You Recently Watched?]

Just watched the first episode of "Spies of Warsaw" on PBS last week. I understand this series is a few years old and may have been broadcast already on some PBS channels. Right up my alley - a historical espionage thriller set in the late 1930's and dealing with the early days of Nazi incursions in...
by friar1610
Mon Jun 24, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 8281

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

This is amazing. We've got a VVA nearing its annuity date. We have not been sent anything about this. We called Vanguard a few weeks ago to get information about the annuitization options and not only were we not told about this, we were given a persistent and disruptive sales pitch to NOT annuitiz...
by friar1610
Sun Jun 23, 2019 5:17 pm
Forum: Personal Investments
Topic: Rebalancing to Oblivion
Replies: 46
Views: 3804

Re: Rebalancing to Oblivion

OP, I set my rebalancing limit at 5 years of expense. I will stop selling the bond to buy the stock when it reaches the limit of 300K. KlangFool There's a diversity of opinion on this subject! Thanks for sharing your philosophy. I may need to revisit what my true minimum expenses are. Is self fundi...
by friar1610
Sat Jun 22, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4688

Re: Do you Casino? What do you play? Have you won?

When I was stationed overseas in the late 60's/early-mid 70's the officers' clubs used to have slot machines. Supposedly they had a higher payout rate than you would see in Vegas but I don't know if that was true or not. Being young and foolish, I sometimes played them, was sometimes up for a while ...
by friar1610
Thu Jun 20, 2019 9:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 81
Views: 8281

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

I don't have a dog in this fight as I recently 1035'd my Vanguard VA to another organization for reasons that have absolutely nothing to do with this issue. But, if I still had the VVA I would consider this to be a non-issue. The only thing that's going to change is that if you make a phone call abo...
by friar1610
Mon Jun 17, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2683

Re: Recommendation for light beer.

In my beer drinking days I was never much for light beers but I did find Amstel Light more than tolerable. IIRC, its caloric count was on the high side for a light beer. Dont know about ABV or carbs.
by friar1610
Sat Jun 15, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: 11 days. England, Ireland or Scotland?
Replies: 31
Views: 2072

Re: 11 days. England, Ireland or Scotland?

hicabob wrote:
Thu Mar 28, 2019 6:02 pm
Wales gets no respect.
Is that because of the Prince of Whales?
by friar1610
Sat Jun 15, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Best option for a safe deposit box in Boston
Replies: 3
Views: 485

Re: Best option for a safe deposit box in Boston

After years of online-only banking I'd like to establish a brick & mortar account for a safe deposit box and the occasional cashier's check. It seems that banks hardly advertise boxes any more, so online comparison shopping is proving difficult. I'm OK with maintaining a minimum checking balance, b...
by friar1610
Thu Jun 13, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: Slice and dice for bonds
Replies: 49
Views: 3452

Re: Slice and dice for bonds

I guess I do slice/dice in my fixed income not to get a better return necessarily but to have different characteristics in the different vehicles: Total Bond index: liquid, reasonable but variable return, moderately volatile Short Term Bond Index: liquid, more modest return In exchange for less vola...
by friar1610
Mon Jun 10, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2488

Re: Laminating important documents - a good idea?

I got my first SS card when I was 14. Somewhere along the line I laminated it. Fast forward to last summer when I needed to renew my driver's license (Mass). I wanted one of the newer type licenses that we will eventually all need for airline travel ID. So I had to appear in person at the Registry w...
by friar1610
Sun Jun 09, 2019 4:33 pm
Forum: Personal Investments
Topic: 3-Fund vs 4-Fund (VG target retirement funds)
Replies: 3
Views: 475

Re: 3-Fund vs 4-Fund (VG target retirement funds)

I haven't analyzed BH posts on this subject in any detail. But my impression is as follows: - many BHs are agnostic about international bonds. They don't see anything terribly bad about them but they don't think they're necessary either. - most would neither buy nor reject VG's TR or LC funds solely...
by friar1610
Thu Jun 06, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: Annuity payout rates and economic/investment climate
Replies: 13
Views: 839

Re: Annuity payout rates and economic/investment climate

My spouse has a Vanguard variable annuity, and we are considering annuitizing it and start payouts. For planning, we got an estimated payout amount early 2018, and again recently. This will be an amount determined at annuitization, and fixed for joint lives-- a good 20+ years. The accumulated value...
by friar1610
Thu Jun 06, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 2767

Re: Buying Burial Plot in advance

I am also a veteran and will end up in a National Cemetery, I hope Battle Creek Michigan with my mom (Army nurse in WWII), dad (also served WWII) and my brother (two tours Vietnam). In my birth family, we tend to prefer cremation followed by burial. Much easier to ship a box than a full body, and y...
by friar1610
Wed Jun 05, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 52179

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

I've been skimming this thread and find it rather fascinating. Most doctors and lawyers seem quite unhappy, especially lawyers. But military officers seem to really like their jobs. What I find interesting is none so far have mentioned the risk factor (physical and mental). Never having served, I i...
by friar1610
Mon Jun 03, 2019 4:00 pm
Forum: Personal Investments
Topic: Do I need a financial planner or investment advisor or just this forum?
Replies: 30
Views: 3013

Re: Do I need a financial planner or investment advisor or just this forum?

I feel that I don't need a financial planner/investment advisor. But I've been concerned about the "what if " situation (what if I'm the first to go?) My wife, although she can manage our cash flow/keep the bills paid far better than I ever would, has no interest in investments. Nor would she necess...
by friar1610
Sun Jun 02, 2019 5:27 pm
Forum: Personal Investments
Topic: Pre-Military Seeking Investment Planning
Replies: 49
Views: 2469

Re: Pre-Military Seeking Investment Planning

Avoid FirstCommand Financial Planning like the plague. [/b] +1 The really annoying thing is that the First Command "financial planner" will likely be a retired military officer or CPO/NCO who will try very hard to come across as a comrade in arms who has nothing but your best interests at heart. Do...
by friar1610
Sat Jun 01, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2507

Re: Recommend a small inexpensive laser printer?

FrugalInvestor wrote:
Sat Jun 01, 2019 8:27 pm

I resisted recommendations for laser printers here (primarily Brother brand) and stayed with injets for years. I should have known better. Take a look at available Brother printers, pick one with the features you want and buy it. You won't be sorry.
+1
by friar1610
Mon May 27, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1515

Re: Three days In Montreal

Just remembered - great spot for breakfast. Eggspectation. a Canadian chain. Several locations in Montreal. (Also several in mid-Atlantic; I first ran into it in Maryland but have eaten there in Montreal as well.)

https://eggspectation.com
by friar1610
Mon May 27, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12311

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

I have a lot in common with many of the people who have posted in this thread. - Ages 74 (me)/72 - Excellent inflation-adjusted pension that we live on just fine. Dip into SS only rarely (extraordinary expenses, big vacations, etc.) Lifestyle is thriftily comfortable but not extravagant. - Modest R...
by friar1610
Mon May 27, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 12311

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

I have a lot in common with many of the people who have posted in this thread. - Ages 74 (me)/72 - Excellent inflation-adjusted pension that we live on just fine. Dip into SS only rarely (extraordinary expenses, big vacations, etc.) Lifestyle is thriftily comfortable but not extravagant. - Modest RM...
by friar1610
Mon May 27, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1515

Re: Three days In Montreal

For an elegant classic French dinner try Restaurant Bonaparte on St. Francis Xavier in the old city. Magnifique! I am not OP, but I too am researching restaurants for an upcoming trip to Montreal. We're staying at Hotel Bonaparte and also plan to dine at Bonaparte one night. Any experience with Toq...
by friar1610
Sun May 26, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Seeking Suggestions for Greater Baltimore Area Communities & Neighborhoods
Replies: 6
Views: 445

Re: Seeking Suggestions for Greater Baltimore Area Communities & Neighborhoods

We lived in Catonsville, MD for 13 years. It is in SW Balt County, very close to the city line. We liked it because it had a real downtown (although we did not live close enough to it to walk there), easy access to I-95, the Balt Beltway and BWI. There was a Y close to where we lived; we never joine...