Search found 1433 matches

by friar1610
Mon Jun 17, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2476

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: 2031

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: 462

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: 3242

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: 2421

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: 466

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: 816

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: 2697

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: 51762

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: 2925

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: 2428

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: 2437

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: 1452

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: 11980

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: 11980

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: 1452

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: 436

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...
by friar1610
Sun May 26, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1452

Re: Three days In Montreal

For an elegant classic French dinner try Restaurant Bonaparte on St. Francis Xavier in the old city. Magnifique!
by friar1610
Sun May 26, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Will my checks work?
Replies: 26
Views: 1861

Re: Will my checks work?

I used to relocate every few years because of my job (although I retained the same checking account with my credit union.) I would just print up some mailing labels with the new address/phone number and stick them on the older checks until they were used up and it was time to order new ones with the...
by friar1610
Sat May 25, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now streaming on Amazon Prime]
Replies: 77
Views: 10349

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: 151
Views: 14652

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: 5809

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: 714

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: 1965

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: 1951

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: 590

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: 1307

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: 28
Views: 3988

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: 917

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: 3052

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: 188
Views: 16836

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: 2912

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: 623
Views: 52899

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: 649

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: 649

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: 649

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: 3423

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: 1624

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: 28202

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: 952

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: 11289

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: 9659

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: 9653

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: 9653

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: 9653

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: 1699

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: 3387

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: 12196

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: 14547

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: 3023

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...