Search found 45 matches

by JD1967
Sat May 11, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Dale Carnegie training
Replies: 23
Views: 2738

Dale Carnegie training

Hello everyone ... hoping to get feedback on Dale Carnegie training ... was it useful or not ... etc .. any/all input welcomed ... thanks in advance
by JD1967
Wed Mar 13, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: VG service ... advice welcome
Replies: 8
Views: 630

Re: VG service ... advice welcome

In short, financial institutions are very inconsistent about how they handle POA authorities. Often the specifics aren't understood by all reps. We recently had to close a revocable trust with Ally because while they accept POAs, they don't accept them on trusts. That was fine, until in attempting ...
by JD1967
Wed Mar 13, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: VG service ... advice welcome
Replies: 8
Views: 630

Re: VG service ... advice welcome

RickBoglehead wrote:
Wed Mar 13, 2019 5:21 am
I suspect the issue you have is that you told them of her incompetence before using her online access to turn off statements.

Try sending a msg explaining that the continued mailing is a security risk.
I'll do this ... thank you
by JD1967
Wed Mar 13, 2019 6:25 am
Forum: Personal Finance (Not Investing)
Topic: VG service ... advice welcome
Replies: 8
Views: 630

Re: VG service ... advice welcome

OK, my advice: Give up and accept the paper mail with pleasure. What's that expression about bigger fish to fry. If I had a twitter account, I would post an animated gif. You're right ... but if I'm honest ... its turned into a pissing contest with the VG rep and it is a stupid situation that "cant...
by JD1967
Wed Mar 13, 2019 5:01 am
Forum: Personal Finance (Not Investing)
Topic: VG service ... advice welcome
Replies: 8
Views: 630

Re: VG service ... advice welcome

All I want to do is turn off the paper delivery ... a win for everyone ... but, apparently a bridge too far ... any ideas on how to get this done ? :oops:
by JD1967
Wed Mar 13, 2019 4:55 am
Forum: Personal Finance (Not Investing)
Topic: VG service ... advice welcome
Replies: 8
Views: 630

VG service ... advice welcome

Hello everyone ... thanks in advance for all comments ... here goes ... VG customer service cant seem to figure this out 1. My mother is 85 ... a long time VG customer ... she lives in a facility that cares for people w dementia/Alzheimer's ... 2. I am her son ... am her full power of attorney ... a...
by JD1967
Wed Aug 01, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2314

Re: Planning a trip to France in June 2019 - ADvice ?

We hired a private guide in Normandy last year. It was fantastic. We did 2 days with him and he worked hard both days. Interesting stories and explanations of stuff that would be easy to overlook if you didn't know what to look for. At Pointe du Hoc he showed us how a shell had bounced around a bun...
by JD1967
Mon Jul 30, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2314

Re: Planning a trip to France in June 2019 - ADvice ?

any advice ? tour groups ? what to get right ... what to avoid .. .etc ... thanks again Mean no offense but these are worse than the car posts. Get five books out of the library. Then go to a brick-and-mortar bookstore and buy two or three more current ones. Look at Trip Advisor online. We have no ...
by JD1967
Mon Jul 30, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2314

Re: Planning a trip to France in June 2019 - ADvice ?

Thank you everyone for the great suggestions and help ... very much appreciated
by JD1967
Wed Jul 18, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2314

Planning a trip to France in June 2019 - ADvice ?

He everyone .. .thanks in advance for all advice ... family of 5 going to France for 10-12 days in June 2019 ... husband wife 18 yr old son ... 23 yr old son and his girlfriend .. plan on seeing Normandy ... Paris/Versailles ... Lourdes ... any advice ? tour groups ? what to get right ... what to av...
by JD1967
Wed Feb 28, 2018 10:40 am
Forum: Personal Investments
Topic: VICSX question - Vanguard Intermediate-Term Corporate Bond Index Fund
Replies: 7
Views: 985

Re: VICSX question - Vanguard Intermediate-Term Corporate Bond Index Fund

Maybe the trailing interest rate reflected in the distribution fell while the future looking interest rates today are up? There is also complexity regarding the actual portfolio and where the yield curve for these investments across durations has really moved. Also there are different computations ...
by JD1967
Wed Feb 28, 2018 10:22 am
Forum: Personal Investments
Topic: VICSX question - Vanguard Intermediate-Term Corporate Bond Index Fund
Replies: 7
Views: 985

VICSX question - Vanguard Intermediate-Term Corporate Bond Index Fund

Hello ... I'm hoping someone can explain some basics to me ... I should know this, but I don't ... thanks in advance for all feedback 1. I have money invested in VICSX ... today, the SEC Yield (A) for this investment is 3.65% ... with a monthly distribution payment of 0.0584 cents/shr (just declared...
by JD1967
Fri Jan 19, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Gotta sell a boat - Looking for some advice
Replies: 16
Views: 1633

Re: Gotta sell a boat - Looking for some advice

Thank you everyone ... appreciate the advice ... very helpful
by JD1967
Thu Jan 18, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Gotta sell a boat - Looking for some advice
Replies: 16
Views: 1633

Gotta sell a boat - Looking for some advice

Hi everyone ... thanks in advance for any feedback ... it's all appreciated ... here goes 1. Got a jet boat to sell w trailer ... approx 5 yrs old ... perfect condition ... less than 20 hours on the engine ... don't ask me why i bought this thing bc i never use it 2. Want to sell it and the trailer ...
by JD1967
Wed Sep 27, 2017 9:58 pm
Forum: Personal Investments
Topic: Investment advice - Potential windfall
Replies: 7
Views: 1199

Re: Investment advice - Potential windfall

I continue to be surprised at the clarity, insight and useful info I find on this site (not just my posts) ... thank you ... to answer a couple of questions from comments above 1. I'm trying to get to the point where I can live off of passive income ... the interest / dividend considerations from ab...
by JD1967
Wed Sep 27, 2017 6:57 pm
Forum: Personal Investments
Topic: Investment advice - Potential windfall
Replies: 7
Views: 1199

Investment advice - Potential windfall

Hi everyone ... thanks in advance for any/all comments ... all are appreciated ... here goes 1. 50 years old ... no debt ... kids educated ... tried VG financial planner ... poor experience ... looking for wisdom from the BH hive 2. All $$ at VG ... Retirement Accts ... 65% VSIAX ... 28% VWNAX ... 7...
by JD1967
Tue Sep 12, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Finding best mortgage / home refi rates
Replies: 10
Views: 1161

Re: Finding best mortgage / home refi rates

Thank you ... I'm in PA ... and none of the houses I mention are rentals ... house A is a weekend place ... B is current primary ... if C is purchased, it will be new primary ... I was hoping there would be a website ... blog ... a super genius sitting on top of a mountain somewhere :D That could ma...
by JD1967
Tue Sep 12, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Finding best mortgage / home refi rates
Replies: 10
Views: 1161

Re: Finding best mortgage / home refi rates

Ok ... so are you suggesting that i pay cash for house C just to get in it ... then try and get the best heloc rate on house C and house a ... separately... Sorry in advance for the stupid question ... just want to follow Frankly... my goal is to perhaps invest the heloc money into something with a ...
by JD1967
Tue Sep 12, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Finding best mortgage / home refi rates
Replies: 10
Views: 1161

Re: Finding best mortgage / home refi rates

I am not retired .. I'm hoping a mortgage broker or banker might weigh in here (or anyone else for that matter) who has some insight ...
by JD1967
Tue Sep 12, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Finding best mortgage / home refi rates
Replies: 10
Views: 1161

Finding best mortgage / home refi rates

Hi everyone ... another fast question for the group ... haven't taken a mortgage or refinanced a home since the 20th century (1999) ... here goes 1. Have 2 modest homes ... no mortgage on either (house A + B) 2. May be selling one (B) to buy another (C) (smaller/cheaper) 3. I MAY put 20% down and mo...
by JD1967
Mon Jul 24, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable - Internet speed requirements
Replies: 12
Views: 1419

Re: Cutting the cable - Internet speed requirements

Thank you everyone ...a follow up ... I assume I'll need more speed than i have now when streaming tv over the internet on 2-3 tvs (as opposed to now using standard cable) ... correct?
by JD1967
Mon Jul 24, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable - Internet speed requirements
Replies: 12
Views: 1419

Cutting the cable - Internet speed requirements

Hi everyone ... I'm going to finally join many others in cutting the cable cord ... but need to understand some basics first ... as always, thanks in advance for all comments/suggestions ... all help ... Background ... long time Comcast triple play customer ... I'm embarrassed to say home much we pa...
by JD1967
Sat Jul 15, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 2791

Re: Recommendations...Italy

Just went ... Rome very overrated... Florence / Tuscany very underrated ... if I go again ... 2 days in Rome tops just to see the obvious stuff ... but don't stay too long ... remaining days seeing northern Italy / Florence / Tuscany .. id operate out of Florence during that time just to simplify th...
by JD1967
Wed Jul 12, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - clueless
Replies: 16
Views: 2176

Re: Annuities - clueless

Thank you all for very useful... objective... info ... I'm relatively new to the site ... but I suspect a lot of overpriced salesman trying to move overpriced garbage designed to be sold only ... as opposed to being designed for the benefit of the customer... are going to get run over by the collect...
by JD1967
Tue Jul 11, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - clueless
Replies: 16
Views: 2176

Re: Annuities - clueless

thank you very much
by JD1967
Tue Jul 11, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - clueless
Replies: 16
Views: 2176

Annuities - clueless

Hello everyone ... i have another topic about which i am clueless ... (the list keeps growing) ... id like to INTELLIGENTLY educate myself on annuities ... but dont know where to start or what to look for ... a couple of assumptions that i may be wrong about ... 1. In general, i believe most annuiti...
by JD1967
Thu Jun 22, 2017 5:19 am
Forum: Personal Investments
Topic: Cap One CD in a VG brokerage account
Replies: 9
Views: 1361

Re: Cap One CD in a VG brokerage account

Fidelity has the sell and buy prices listed for each CD or Bond, assuming it has an open market. Usually I wait for that and sell at the offer price if it seems attractive. Of course CD's often do not have an active market, so I guess you could ask them to create a market the CD sale. FiDo you can ...
by JD1967
Wed Jun 21, 2017 10:13 am
Forum: Personal Investments
Topic: Cap One CD in a VG brokerage account
Replies: 9
Views: 1361

Re: Cap One CD in a VG brokerage account

Thanks DM ... but how did they arrive at the "what you got price"? Did you simply tell the broker to get the best price s/he could ? Or did you tell s/he you wanted the "online market value (estimate)" and you lived with the net of that request (face value) I called Vanguard and told them I wished ...
by JD1967
Wed Jun 21, 2017 10:03 am
Forum: Personal Investments
Topic: Cap One CD in a VG brokerage account
Replies: 9
Views: 1361

Re: Cap One CD in a VG brokerage account

Hi everyone ... fast question about brokered CDs held in a VG brokerage acct ... I've never owned something like this before ... thanks in advance for your help 1. I own a 5 yr capital one CD in a VG brokerage account... pays 2.4% 2. If I want to sell this CD ... I'm told ... i have to work thru a ...
by JD1967
Wed Jun 21, 2017 9:28 am
Forum: Personal Investments
Topic: Cap One CD in a VG brokerage account
Replies: 9
Views: 1361

Re: Cap One CD in a VG brokerage account

lazyday wrote:Until someone with experience shows up, something I would try: pretend you want to buy a secondary market CD from Vanguard and look at the yields available for CDs similar to yours. You may need to take a tiny bit less than that.
Great idea!!!
by JD1967
Wed Jun 21, 2017 8:40 am
Forum: Personal Investments
Topic: Cap One CD in a VG brokerage account
Replies: 9
Views: 1361

Cap One CD in a VG brokerage account

Hi everyone ... fast question about brokered CDs held in a VG brokerage acct ... I've never owned something like this before ... thanks in advance for your help 1. I own a 5 yr capital one CD in a VG brokerage account... pays 2.4% 2. If I want to sell this CD ... I'm told ... i have to work thru a V...
by JD1967
Tue Jun 13, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 2488

Re: Best windows based laptop

Just picked up one of these: https://www.amazon.com/Acer-E5-575-33BM-15-6-Inch-Processor-Generation/dp/B01K1IO3QW Swapped the spinning hard drive for an SSD I already had. Nice machine. Would recommend. This looks really good . .. I know nothing about SSD...how do you buy one and "swap out" the spi...
by JD1967
Tue Jun 13, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 2488

Re: Best windows based laptop

And use windows on work machine... so prefer to stick w what I know
by JD1967
Tue Jun 13, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 2488

Re: Best windows based laptop

Thanks already great info ... my needs are simple ... personal finance ... internet . .. streaming content (video and music) ... I assume I'll need lots of storage ... I've been buying cheap towers (new) for years ... so never purchased a laptop ...
by JD1967
Tue Jun 13, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 2488

Best windows based laptop

Need to invest in a windows based laptop for personal use ... anyone have a strong feeling about any in particular ... thanks in advance
by JD1967
Sun Jun 11, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: 72t / SEPP payments
Replies: 3
Views: 860

Re: 72t / SEPP payments

Thank you very much for this info ...
by JD1967
Sat Jun 10, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: 72t / SEPP payments
Replies: 3
Views: 860

72t / SEPP payments

Hello everyone .. wife and I are both 50 ... And are considering a 72t/SEPP arrangement w our VG iras ... is anyone out there doing this with/thru VG and if so are there any lessons learned that could be shared ... Thanks in advance...
by JD1967
Thu May 25, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 10056

Re: best way to buy tires

The $1000 (usually more) comes from replacing the tires on 2 cars once a year each ... I'm getting 30-35k out of a set ... we try to stay on top of tire pressure . .. rotating as required etc ... we live in northern PA so the roads aren't the best ... and we drive a lot for work/life ... but arent p...
by JD1967
Thu May 25, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 10056

Re: best way to buy tires

Thank you everyone who responded ... ill try the Michelins and see if they wear better ... are the UTQG ratings worth anything bc the Yokohamas UTQG rating is very close to Michelins (800 vs 720) but almost 20% cheaper when you factor in shipping ... sorry for the follow-up ... thanks to all of you ...
by JD1967
Thu May 25, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 10056

Re: best way to buy tires

Wow ... im getting 30k miles out of my tires and i take care of them ... im suprised the michelines are getting north of 75k and 90k on them ... that's amazing
by JD1967
Thu May 25, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 10056

best way to buy tires

Hi everyone ... hoping someone has some insight into buying tires smart ... bc i know i don't ... here goes 1. I drive a lot ... so does my wife ... we go thru tires ... i spend north of $1000 a year on tires ... easily ... 2. Right now, the process i use is basically shop around what i need to the ...
by JD1967
Mon May 08, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 3514

Re: Mazda CX3 lease... is this a good deal

1% of msrp rule ... on a 36 month ease w $0 down is the guideline for a good lease !!! Wow ... even w all the taxes and fees rolled into the payment it's a 26-27k MSRP ... so I'm shooting for $260 to $270 per month .. as opposed to $350 ... right?
by JD1967
Mon May 08, 2017 6:00 am
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 3514

Re: Mazda CX3 lease... is this a good deal

I should post more often ... the feedback has been very very helpful ... even the ones that perfectly point out my stupidity !!!Thank you all again ... I'm going to get all the numbers suggested from an earlier post ... email 3 dealers (like an earlier post suggested) ... and see where we land ... a...
by JD1967
Sun May 07, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 3514

Re: Mazda CX3 lease... is this a good deal

First of all .... THANK YOU for everyone's comment . .. I should have provided more info 1. This vehicle may satisfy 2 purposes... the first is a vehicle for my son to drive during his last 3 yrs of high school ... he should end be able to stay under 15k going to school practice work 2. At that poin...
by JD1967
Sat May 06, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 3514

Mazda CX3 lease... is this a good deal

Hi ... first post ... never leased a car ... hoping someone smarter than me can tell me if this a good lease or not ... here goes

1. 2017 mazda cx 3 touring model Awd
2. $0 down
3. No trade in
4. 36 months
5. 15000 miles per year
6. $350/mo