Search found 60 matches

by Larry2623
Tue Dec 03, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Buying new iPhone from: locked or unlocked?
Replies: 12
Views: 1756

Re: Buying new iPhone from: locked or unlocked?

apple.com store all phones are unlocked even if the pic a T-mobile or whatever option
by Larry2623
Tue Dec 03, 2019 10:37 pm
Forum: Investing - Theory, News & General
Topic: How Far Will Dow Fall During Next Retraction
Replies: 60
Views: 4208

Re: How Far Will Dow Fall During Next Retraction

Sorry my crystal ball is in the shop
by Larry2623
Fri Nov 29, 2019 11:22 pm
Forum: Personal Investments
Topic: Invest cash in conservative manner until next recession
Replies: 118
Views: 9673

Re: Invest cash in conservative manner until next recession

Yes imagine you were smart enough to hold out until say 10/27/2008 to invest your million after that huge drop and market was starting to pop some and 5 months later at the bottom you were down to about 700k. Yes we all know how it turned out but some people sold at that 700k because the pain was ju...
by Larry2623
Mon Jun 03, 2019 6:32 pm
Forum: Personal Investments
Topic: Is Investing in Roth IRA worth it?
Replies: 21
Views: 2426

Re: Is Investing in Roth IRA worth it?

this is totally illogical...what is other choice pay taxes or just spent it instead of save????
by Larry2623
Sun Jun 02, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 28650

Re: Can I afford this 2.3 million dollar home?

If you really feel the need to ask at your income level...I would say no! Mostly kidding...
by Larry2623
Sun Mar 03, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 15042

Re: $34k Volt vs $54k Model 3?--help me decide??

Make sure there is service for Tesla nearby
by Larry2623
Tue Feb 26, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care policy question
Replies: 10
Views: 754

Re: Long term care policy question

LadyGeek wrote:
Tue Feb 26, 2019 4:09 pm
This thread is now in the Personal Finance (Not Investing) forum (insurance).
No problem...thanks. But I would say it is closer to investing than a fridge in your garage or what book you are reading or another 1000 post subjects!
I am really just saying this in jest but it is kind of true...
by Larry2623
Tue Feb 26, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care policy question
Replies: 10
Views: 754

Re: Long term care policy question

Just one person. Thanks for your inputs
by Larry2623
Tue Feb 26, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care policy question
Replies: 10
Views: 754

Long term care policy question

I retired last year and have continued to pay on LTC policy I originally acquired through job. I know very little about LTC policies and was wondering if you people think this is worth keeping? Policy is with CNA. Cost $320 a year Lifetime max $200K LTC benifit 100% of eligible expense per day of nu...
by Larry2623
Sun Feb 03, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3941

Re: Auto Battery Prices

Just go to walmart...good prices and they do installations if you need it
by Larry2623
Mon Nov 12, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Stock market open today?
Replies: 14
Views: 2393

Re: Stock market open today?

I wish it had not been!!
by Larry2623
Sat Sep 22, 2018 2:18 pm
Forum: Personal Investments
Topic: CIT vs. ALLY vs. 360
Replies: 14
Views: 2196

Re: CIT vs. ALLY vs. 360

Had Marcus but got offer from 360 for $500 to deposit 50k..free $500 so I am switching
by Larry2623
Wed Sep 19, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4474

Re: “Majority of working-age Americans have no retirement savings”

Also, is this that surprising? Sure, people near large cities can have high-paying jobs, but look at middle america. Look at teachers in many states needing to work several jobs to make ends meet. Americans with jobs making even $60k/yr have a skewed perception of just how many low paying jobs are ...
by Larry2623
Wed Sep 19, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4474

Re: “Majority of working-age Americans have no retirement savings”

I, for one, am not wondering where all the poor retirees are. They are everywhere. I see them all the time. How can you tell they are "poor"? Is there a field guide to help ID this sort of thing? If people saw me walking around in shorts and flip flops from walmart and driving my 14 yo truck they m...
by Larry2623
Tue Aug 28, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Closing Credit Card Accounts
Replies: 32
Views: 4503

Re: Chase Closing Credit Card Accounts

LadyGeek wrote:
Tue Aug 28, 2018 7:31 pm
This thread is now in the Personal Finance (Not Investing) forum (credit card).
50% of threads have nothing to do with investing...What book... What movie... What car... etc etc

Not complaining just an observation
by Larry2623
Wed Aug 08, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 97
Views: 10913

Re: When is leaving your job that pays well a good idea?

I would stop looking at it in the longterm. Just stay with it until 40 and if you keep doing what you have been doing you should be able to retire or take a fun job. Not so bad when you only have 6-8 years to go...
by Larry2623
Tue Jul 10, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: looking for a new (online) savings account home
Replies: 23
Views: 2624

Re: looking for a new (online) savings account home

I use GS Marcus...happy with rate and service
by Larry2623
Fri Jul 06, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 112
Views: 11928

Re: AAA? What to do in car emergencies?

I call Amex Platinum CC number...free 4 times a year
by Larry2623
Sun Jul 01, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 39
Views: 10174

Re: Fidelity portfolio advisory services

bayview wrote:
Tue Jun 26, 2018 6:01 am
I have to say that in the current returns environment, giving up 1% (ok, 0.9%) on my returns sounds pretty awful.
Maybe it will turn out so, but I will not know unless I give them a shot. I will evaluate their performance and compare to my other return past and present at 6 months and 1 yr.
by Larry2623
Mon Jun 25, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 39
Views: 10174

Re: Fidelity portfolio advisory services

Not sure if I will test drive this service with a portion of my money but I like the idea...60/40 balance with regular rebalances no fees. If they can beat me I will leave it...maybe even add to it Larry, can you please explain to me the Service you are talking about test driving? I also getting re...
by Larry2623
Mon Jun 25, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 39
Views: 10174

Re: Fidelity portfolio advisory services

I gave them a portion around $450k and I will pay .9% with no other fees except expense fees on funds and etfs and they are very low
by Larry2623
Sun Jun 24, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 9387

Re: Retirees: When you cut spending, what do you cut?

I don’t anticipate needing to cut, but the market may not be kind. I would cut food budget. Let house cleaners go. Stop buying books and magazines - library instead. No movies in theatre. See bike to do errands in summer. Cut Netflix- though this is relatively cheap. Lower a.c. Use in summer - alth...
by Larry2623
Sun Jun 24, 2018 9:38 pm
Forum: Personal Investments
Topic: Caps Gains Tax Strategy
Replies: 12
Views: 1252

Re: Caps Gains Tax Strategy

confused
by Larry2623
Sun Jun 24, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 39
Views: 10174

Re: Fidelity portfolio advisory services

I am retired so no longer contributing new money. Not sure what Fidelity use to be like, but now their service is under 1% management fee and all funds have very low expense ratios. Most are under 0.1% way under. Not sure if I will test drive this service with a portion of my money but I like the id...
by Larry2623
Sun May 13, 2018 10:31 pm
Forum: Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 7409

Re: Vanguard Prime Money Market instead of bond fund

For how long? You can chart the total return of VBTLX and VMMXX and see that VBTLX outperforms in the long run. That was in a bond bull market. Perhaps if the bear is here... history won't look like the future? That is my concern...most people here have never even seen a bond bear market and I wond...
by Larry2623
Thu May 10, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 9808

Re: Amazon Alternative

It is hard to beat Amazon subscribe and save when t is 15% off
by Larry2623
Thu May 10, 2018 11:20 pm
Forum: Personal Investments
Topic: Edward Jones to Index funds model
Replies: 18
Views: 2560

Re: Vanguard Customer Service

Many on this board would suggest Schwab or Fidelity, which have better customer service than Vanguard. Bogleheads: The underlined quote is debatable. Any company with millions of customers (especially a rapidly growing company) will have disgruntled customers and some come here to complain. I have ...
by Larry2623
Sun May 06, 2018 11:25 am
Forum: Personal Investments
Topic: Help with in-laws investment- 100% in stocks with 5 years left to retire
Replies: 46
Views: 4097

Re: Help with in-laws investment- 100% in stocks with 5 years left to retu

"And, maybe most important, did they ask for your opinion or guidance regarding their investments?

If not, then stay out of their finances."

+1
by Larry2623
Wed May 02, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 2446

Re: Asheville, NC Visit

Try Tupelo Honey Cafe for breakfast for brunch if you can't make it early Dinner is good too!
by Larry2623
Mon Apr 30, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 8991

Re: How would you handle a request for money from a niece?

Personally I would not have spent the time typing all the OP did over $100...But if you do, I can not believe you told your 90 yo mom she had to give up something (suffer) to help her niece...just cruel!! But I guess you felt you needed to teach a 90 yo a valuable life lesson.
by Larry2623
Mon Apr 16, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Human Touch WholeBody 7.1 Massage Chair review
Replies: 9
Views: 1837

Re: Human Touch WholeBody 7.1 Massage Chair review

daveydoo wrote:
Mon Apr 16, 2018 7:08 pm
Retirement, you say? Buy a treadmill, not a chair!

Do you really need an incentive to sit? :D
It would be for after the gym!
by Larry2623
Mon Apr 16, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Human Touch WholeBody 7.1 Massage Chair review
Replies: 9
Views: 1837

Re: Retirement Gift

thanks
by Larry2623
Mon Apr 16, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Human Touch WholeBody 7.1 Massage Chair review
Replies: 9
Views: 1837

Human Touch WholeBody 7.1 Massage Chair review

Little off topic, but since people ask about car purchases...My company offers retirement gifts from a catalog, decent stuff around $1500. One of the options is a massage chair. I would normally select something like a 4k smart uhd TV, but the massage chair is something I would never buy myself. I w...
by Larry2623
Wed Apr 11, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 7731

Re: Retirees: Who's increasing their equities as they age?

Once one is at the point where they can safely withdraw the funds they need to live, why not increase equities to get more? Get more in order to leave more to their heirs, charities. Get more to increase spending -for themselves for those that they care to share. During my working career, even thou...
by Larry2623
Mon Mar 26, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 62
Views: 5926

Re: Computer Security

So no one use any security like norton or malwarebytes or anti anti virus?
by Larry2623
Mon Mar 26, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 62
Views: 5926

Re: Computer Security

OP here...just internet banking, investing...just internet. Fidelity is my main asset account and I use vip for added security. I have Mac air, desktop win10 and ipad/iphone
by Larry2623
Sun Mar 25, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 62
Views: 5926

Computer Security

Retiring next month, always used work computer security now must set up my own. Any suggestions for best? Norton, malwarebytes, etc
by Larry2623
Mon Mar 05, 2018 9:50 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 382
Views: 70231

Re: Roll Call for the Retirement Class of 2018!

39 days to go!
by Larry2623
Wed Feb 28, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: "Where Do IRAs Fit in Your Retirement Distribution Plan?"
Replies: 6
Views: 932

Re: "Where Do IRAs Fit in Your Retirement Distribution Plan?"

I think a more balanced approach is better...keep my income in the 12% bracket! At least convert to roth ira to try and bring down balances before RMDS kick in
by Larry2623
Tue Feb 27, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4897
Views: 1265994

Re: What Movie Have You Recently Watched?

Malinois000 wrote:
Thu Feb 22, 2018 11:32 pm
Black Panther - terrific film!
Was it really? I found it very predictable...
by Larry2623
Thu Feb 15, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 9043

Re: Wisdom of Bitcoin

An old friend put thousands of dollars into bitcoin in 2011 and urged me to do the same. He insisted that the government was going to collapse and only bitcoin would withstand the hyperinflation. Instead, I bought VTSMX. My investment has doubled since then... and his investment made him a retired ...
by Larry2623
Thu Feb 15, 2018 10:33 am
Forum: Personal Investments
Topic: Why not just do CDs and skip bonds?
Replies: 38
Views: 13036

Re: Why not just do CDs and skip bonds?

The issue I have with Bond advice is we have been in a 30 year bond bull market. I wonder how many people's advice take that into account?
by Larry2623
Mon Jan 29, 2018 3:09 pm
Forum: Personal Investments
Topic: VGTSX and VEMAX a good pair?
Replies: 13
Views: 2349

Re: VGTSX and VEMAX a good pair?

Not all bear markets go down 50%
by Larry2623
Sun Jan 28, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 9043

Re: Wisdom of Bitcoin

And what % of law abiding people need to go "anywhere in the world" to move money in secret?
by Larry2623
Fri Jan 26, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: Fidelity charging extra fee for Vanguard funds in 401k?
Replies: 31
Views: 3451

Re: Fidelity charging extra fee for Vanguard funds in 401k?

Problem is Vanguard is not paying Fidelity the fee other fund families pay
by Larry2623
Tue Jan 09, 2018 11:53 pm
Forum: Personal Investments
Topic: Retirement 4/2018 question
Replies: 5
Views: 1125

Re: Retirement 4/2018 question

age=58 I normally max out 401k at 24500 but since I was only working 3 months this year it would have been considerably less. Not sure when in the year the ltcg will happen, major owners are shopping company first quarter. I was just going by confident assumption this year will be my highest tax bil...
by Larry2623
Tue Jan 09, 2018 1:37 pm
Forum: Personal Investments
Topic: Retirement 4/2018 question
Replies: 5
Views: 1125

Re: Retirement 4/2018 question

Thanks for replies...Single, no state tax and it was passive.

Still trying to decide if I should load up 401k contributions for 3 months working to at least save taxes on salary.