Search found 787 matches

by Wakefield1
Mon Jun 18, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 57
Views: 4613

Re: Where to invest $50K+ down payment money for five years?

Just noticed that interest rates on CDs at my Credit Union have increased significantly again (Arlington Community Federal Credit Union)
"no penalty" 15 month CDs starting at minimum $500.
by Wakefield1
Mon Jun 18, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 39
Views: 2409

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

Dehumidifier/Air conditioner condensate is contaminated by dust and other particles in the air passing through?
by Wakefield1
Mon Jun 18, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: How do folks pull retirement income out of Wellesley?
Replies: 12
Views: 1881

Re: How do folks pull retirement income out of Wellesley?

Set Wellesley to fire dividends into linked Bank/Checking account but continue to reinvest cap. gains distributions into new shares? (So as to reduce chances of "return of Principal")?
by Wakefield1
Sun Jun 17, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1221

Re: Best tips for starting a new job

Courtesy Respect Acknowledgement Professionalism Learn obvious and not so obvious protocols. (where the lines are) Careful with "new friends" and "gossip". ^^^^^^^^^^^This^^^^^^^^^^^^^^^^^^^^^^^^ Prepare to be tested, personally and professionally. Humility (ego in check). Communicate without being...
by Wakefield1
Mon Jun 04, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 41
Views: 5406

Re: Thinking of a divorce - from Vanguard

Fine! But no more admiral shares for you! Can you please explain what "admiral shares" are? I've been on this forum for awhile but still don't know the difference. I have my IRA account through Charles Schwab so im not that knowledgeable in Vanguard. Simply a class of the same fund with a lower exp...
by Wakefield1
Sun Jun 03, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10329

Re: Are people aware that Verizon email is being terminated?

imap.aol.com is what my application is trying to connect to in order to get messages Outgoing email (sending) uses SMTP. I'm betting you need to change the outgoing server from Verizon.net to aol.com. See: Configure a Verizon.net account using IMAP Replace "Outgoing mail server (SMTP): smtp.verizon...
by Wakefield1
Sun Jun 03, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10329

Re: Are people aware that Verizon email is being terminated?

imap.aol.com is what my application is trying to connect to in order to get messages
by Wakefield1
Sun Jun 03, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10329

Re: Are people aware that Verizon email is being terminated?

Just to report,as of now and for the last few months I can only access incoming mail on my "verizon.net" e mail address by going to the AOL web portal,my e-mail application does not work. Annoying and there are all of those ads on the AOL web site. I wonder if that is true for others? (my e-mail app...
by Wakefield1
Sat May 26, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2737

Re: Near commercial level treadmill

Is there a standard length for running treadmills? Too short=aggravation? Not sturdy enough=it goes bust? Would a cardiologist office that uses treadmills to stress hearts to get the rate up be able to recommend which ones last? Some 13 or so years ago when I still had some semblance of being able t...
by Wakefield1
Tue May 22, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Old Hot Water Heater
Replies: 20
Views: 1301

Re: Old Hot Water Heater

Where is the water heater located that it could cause so much damage? Our water heater is located in our garage, a leak would cause water on the garage floor, but little if any damage, other than perhaps wetting objects on the garage floor. Broken Man 1999 Located in the attic :( :o Does not belong...
by Wakefield1
Sun May 20, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7803

Re: Is there a boglehead muscle car?

I had a 2009 Pontiac G8 GT. Loved driving it. Unfortunately, Pontiac is no longer around. The same vehicle has been repackaged as the Chevy SS but I think it just got discontinued. Maybe look at getting a 2016. Those and the vehicle last sold as Pontiac GTO might someday become coveted collector cars
by Wakefield1
Sun May 20, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 7861

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

I believe that Alzheimer's Disease is overdiagnosed and that many 91-95 year olds are completely free of it. I don't think it is part of normal aging. And when it does appear it may be in a middle aged or even younger person. But extreme frailty and muscle wasting to the extent that moving about bec...
by Wakefield1
Sat May 05, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Inlaws are 100% in a single stock - help diversify
Replies: 21
Views: 2610

Re: Inlaws are 100% in a single stock - help diversify

They aren't reinvesting dividends into buying yet more shares of the same thing I hope-at least that could go into purchasing some diverse mutual fund if the dividend stream isn't needed for expenses/spending I think it might be appropriate to sell some of the stock (to buy something more diversifie...
by Wakefield1
Sat May 05, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5456

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Travel1013 wrote:
Fri May 04, 2018 12:43 pm
You can research this to infinity but if spouse has her heart set on a JGC...
Happy wife... :happy
Has her heart set on an SRT ?
by Wakefield1
Sat May 05, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39677

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Any car with cylinder deactivation ought to have an override/lock out setting ... I have never hear of such a thing. Is this real or just a pipe dream? A pipe dream that ought to be-although I think some mechanically minded truck owners have done it themselves I believe I recall seeing a discussion...
by Wakefield1
Sat May 05, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39677

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Remembering good old V8 cars in the 1960s such as Olds 88,4-4-2 and various Chryslers-in winter if you drove a lot of short trips the car would sometimes "make oil"-the dipstick level would increase a small amount and it might indeed smell of gasoline -if you then took the car out for a run of an ho...
by Wakefield1
Sat May 05, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39677

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Wow, my months-long 2018 CR-V vs. RAV4 vs. CX-5 shopping analysis just got narrowed down a bit. I just learned that the 2018 CX-5 now comes standard with cylinder deactivation - two cylinders are shut down on the highway. Really bad idea, because this technology has had problems; e.g., Honda's V-6 ...
by Wakefield1
Thu May 03, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18178

Re: Ed. Jones rep didn't like our plan, now we're locked out

Perhaps Ed. Jones needs to hear from their (victim/customers') attorney.
by Wakefield1
Thu May 03, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5456

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

bottlecap wrote:
Thu May 03, 2018 8:06 pm
Jeep would be out for me. I like some of their vehicles, but their reputation for (un)reliability scares me away.

And I am presently on a 1,200 mile business trip with my 18 year old Ford. So I don’t scare easy.

JT
I wish Daimler/Mercedes had remained as the owner of Chrysler/Jeep.
by Wakefield1
Thu May 03, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5456

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

The rare version of Grand Cherokee-I think in the mid 1990's- that had the 360 engine instead of the six or 318-is it a collector car now? Was the Grand Cherokee version of the 1990's the most capable offroad of all of the "luxury" SUVs ? (Not counting the Humvee) my 2004 GC hasn't had any major pro...
by Wakefield1
Thu May 03, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6445

Re: Pay $2500 in rent or continue living at home

Is there any possibility at all of the O.P. eventually buying a place and the whole household moving to that place? If that happened and another member of the household (non-spouse of the owner) were to end up in the nursing home would that threaten the affairs of the house owner?
by Wakefield1
Sun Apr 29, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5129

Re: Maple syrup

Real maple syrup may taste much different than the "pancake syrup" found in the grocery store.
by Wakefield1
Wed Mar 28, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 2029

Re: Receive dividends from Index funds?

You can link a bank account/credit union account to your Vanguard account using your routing # and your account # (get them right or you might be donating to someone else!) you can set your various taxable mutual fund account holdings to kick out to your bank or checking account,dividends and/or cap...
by Wakefield1
Sun Mar 25, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage and nursing home expenses
Replies: 15
Views: 1121

Re: Reverse Mortgage and nursing home expenses

Also to consider: having a good Doctor or Clinic to visit for periodic preventative care that would include front-running any disorder that might develop that could be nipped in the bud before it does permanent harm such as Pernicious Anemia (the type that requires lifetime B12 shots according to so...
by Wakefield1
Sun Mar 25, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage and nursing home expenses
Replies: 15
Views: 1121

Re: Reverse Mortgage and nursing home expenses

Is the "lake house" handicapped friendly? If not,can it be remodeled to make it so ? If not,sell it? Sell the other place? Buy a place with the proceeds that is senior/handicapped friendly or else buy into a Senior Community? (not a nursing home for the totally bedridden) A senior might be able to l...
by Wakefield1
Fri Mar 23, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Fuel additives
Replies: 21
Views: 1439

Re: Fuel additives

I have a fondness for "Marine Sta Bil" added in minimum amount at fueling when the car doesn't get driven enough to need fuel added for 3 or 4 months. But probably more valuable for lawnmower engine and chainsaw gas.
by Wakefield1
Fri Mar 23, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10680

Re: Losing friends/family when wealthy

It can go either way. Losing "friends" because they think you are wealthier than they or losing "friends" because they think you are less wealthy than they. chances are,they weren't such good friends as they once seemed. not to mention the "friends" simply hanging around hoping for a handout or "loa...
by Wakefield1
Tue Mar 20, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 3900

Re: Home equity as part of retirement plan

Owning you own place-one where you can garden,look out at valley/mountain scenery,where you could accommodate yourself with some remodeling if you were to become wheelchair bound (otherwise desirable to have access to forest trails and country roads for hiking and running==Priceless. Unless it becom...
by Wakefield1
Sat Mar 17, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why should you place money in a non-deductible traditional IRA?
Replies: 8
Views: 1095

Re: Why should you place money in a non-deductible traditional IRA?

Keep your copies of all 8606's filed and keep them in a safe place!
by Wakefield1
Thu Mar 15, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39677

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Even old style cars with carburetors could get fuel contamination of their oil,short trips in cold weather not long/far enough to fully warm up the engine,bad thermostat (too cool or stuck open) carburetor too rich or the choke staying on too long setting the choke or carburetor too rich to cover up...
by Wakefield1
Sat Mar 10, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2039

Re: Chain Saw pruner or Pole Saw?

I second the idea of considering the Kombimotor system with the chainsaw head attachment. Although for casual use the non motorized polesaw might be enough and doesn't have the hassle of fueling and carburetors. Echo may make something similar to the Kombimotor,Echo products usually work O.K. in my ...
by Wakefield1
Wed Mar 07, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvestment questions.
Replies: 12
Views: 1065

Re: Vanguard reinvestment questions.

So I have some money available to invest with Vanguard. I plan on investing that into the S&P-500 index fund. My question is: am I able to buy other products from Vanguard with the annual dividends I earn from my initial investment in the S&P-500 index fund? Or does the dividends end up being reinv...
by Wakefield1
Mon Mar 05, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: what to do with 401k? Company dissolving....
Replies: 16
Views: 1641

Re: what to do with 401k? Company dissolving....

Wouldn't keeping this ex 401 in its own separate rollover IRA simplify possibly moving it in the future into another 401 (possible future employer?) such that activities such as Roth conversions wouldn't have the funds diluting the basis for conversion taxation?
by Wakefield1
Wed Feb 21, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 35257

Re: What if you only live off dividends?

Living off of dividends is exactly the same as selling off your stocks though. So you could rephrase your question as, "What if you only live off selling off your stocks?" I dont agree. Receiving dividends is not “exactly the same” as selling your stock. Nobody can say for sure what would happen to...
by Wakefield1
Mon Feb 19, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 46
Views: 4374

Re: Is it "cute" to invest in sector funds?

I suspect that the larger sectors tend over very long times to perform similarly to the total markets but may stray far above or far below over shorter time frames of several years. Gold,precious metals not so hot (a way to generate capital losses?) I am entranced by the Medical/Healthcare sector bu...
by Wakefield1
Sun Feb 18, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2080

Re: How to advise a parent

I wish my mother would have/could have been talked in to putting most of her money into something like Vanguard Wellesley Fund instead of keeping>$100,000.+ in checking accounts!
by Wakefield1
Fri Feb 16, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 3009

Re: Connecticut is charging sales tax on out of state purchases

A number of states demand that you pay a percentage tax on merchandise from out of (your State of residence) that did not have sales tax charged and sent to that State (of your residence) when you bought the merchandise over the Internet or mail order. It seems aggressive and perhaps subject to Cour...
by Wakefield1
Fri Feb 16, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil
Replies: 18
Views: 1834

Re: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil

And still their website didnt hold the traffic that day. Doesn't mean they weren't all trying to log in to track what was happening to their portfolios. They would be crazy not to. Mr. Market was making crazy lowball offers for me to sell my crown jewels to him for less than I think they are worth!...
by Wakefield1
Thu Feb 15, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Vanguard Deposit Question
Replies: 10
Views: 739

Re: Simple Vanguard Deposit Question

Does anyone know whether Vanguard will accept a deposit submitted with a hand-written note asking for deposit to a particular account? I threw in a photocopy of a check for the account. No, I don't have any deposit slips or prepaid envelopes. Does VG even provide these any longer? By contrast, I am...
by Wakefield1
Thu Feb 15, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Vanguard Deposit Question
Replies: 10
Views: 739

Re: Simple Vanguard Deposit Question

As of a couple of months ago I was able to order "Invest by Mail" slips for my traditional Vanguard mutual fund but that one has now become "Admiral"(slips are for "Investor" shares) I believe that under almost all circumstance you can deposit by check or other means into a Money Market account with...
by Wakefield1
Wed Feb 14, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 35257

Re: What if you only live off dividends?

I am pretty sure that in 1930 buying a diverse list of stocks,dividend paying or not, was a lot harder than today. I'm sure there wasn't anything like "IDX 500 ADM" mutual fund available. Ancestor of Wellington Fund :P :moneybag :P Front end load? :confused Ancestor of Pioneer Fund-would those have ...
by Wakefield1
Tue Feb 13, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 35257

Re: What if you only live off dividends?

What if you drop this assumption altogether and just withdraw the dividends and bond interest payments? If you can live off of just dividends then you are rich. Congratulations on your financial success. Telling people "just be rich" doesn't seem like useful advice. :D :D :D :D :D :D :idea:
by Wakefield1
Mon Feb 12, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: Passive Investing Best For A 'rigged Market'? [insider trading]
Replies: 13
Views: 1304

Re: Passive Investing Best For A 'rigged Market'? [insider trading]

Insider trading just means that stocks are MORE fairly priced because insider information is being priced in. This is bad news if you're trying to price discover without insider info (active trading) and neutral news if you're a passive investor. :happy :happy :happy :happy :happy :happy :happy (I ...
by Wakefield1
Mon Feb 12, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4775

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

I wonder if they would try to replace the worn out shock cord in the poles of my Bean Pack Tent.
This issue reminds me of people who buy up old rusty or broken tools and then try to exchange them for brand new ones :annoyed at Sears/Craftsman or even at Snap On.
by Wakefield1
Fri Feb 09, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Prime MM returns
Replies: 6
Views: 801

Re: Prime MM returns

It seems to pay monthly,so if you reinvest proceeds back into the principle I guess it compounds monthly I get confused sometimes about "APY" and compounding but I think monthly pay and compounding is common to many bank savings accounts and Certificates of Deposit-does the "APY" rate quoted take in...
by Wakefield1
Fri Feb 09, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 14255

Re: "The stock market is officially in a correction... here's what usually happens next"

You know, I see the correction happening, and I am marveling at how my 'psychological' reaction has changed, as a result of finding this site three years ago. Seriously, it is night and day. I think having this forum is very, very helpful in controlling the behavioral aspect of investing. Five year...
by Wakefield1
Fri Feb 09, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 20479

Re: Bitcoin in Freefall

Vanguard Blog now has an article about Bitcoin as an investment (Joe Davis,Feb.6)
highly negative as to the value or safety of Bitcoin as an investment or even as a currency
by Wakefield1
Thu Feb 08, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6638
Views: 1433372

Re: U.S. stocks in freefall

Nothing to see here folks... the stock market went out on the town the last 12 months and had a little too much to drink. A few inglorious vomits, but everything will be fine in the morning. It's always tempting to speculate whether the selling driving the losses is recent money that fueled the rec...
by Wakefield1
Wed Feb 07, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Stock Market Didn't Get Tested You Did - WSJ Zweig
Replies: 20
Views: 3992

Re: Stock Market Didn't Get Tested You Did - WSJ Zweig

All I did was buy more. Guess I was right about my risk tolerance I don’t really view equities as risky (overtime). Very volatile in the short term - but not necessarily “risky” It helps having 20 years to ride out obviously Equities are risky not because they can drop but because they can drop rig...
by Wakefield1
Tue Jan 30, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Investing Behavior Pitfalls: Trying to "Win" the race.
Replies: 2
Views: 499

Re: Investing Behavior Pitfalls: Trying to "Win" the race.

When to try to win the footrace when just finishing it would be a great achievement