Bogleheads.org

Larry2623

Because on average it turns out to be true

Larry2623

I thought they would be a little less volatile in a crisis

Larry2623

I have 10 years of data, starting when I was 31 (a year after marriage). Prior to that it was a long slog to $100k at around 28 or 29, then a lawsuit settlement bumped me to ~$200k (sadly the doctors and lawyers made more and I have a lifetime of medical expenses to enjoy). 7.2004 - $257k ye 2004 -...

Larry2623

Not a good idea to take a hit on credit for $40 for a store credit card...much better deals for opening a cc

Larry2623

apple.com store all phones are unlocked even if the pic a T-mobile or whatever option

Larry2623

Sorry my crystal ball is in the shop

Larry2623

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...

Larry2623

this is totally illogical...what is other choice pay taxes or just spent it instead of save????

Larry2623

If you really feel the need to ask at your income level...I would say no! Mostly kidding...

Larry2623

Make sure there is service for Tesla nearby

Larry2623

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...

Larry2623

Just one person. Thanks for your inputs

Larry2623

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...

Larry2623

Just go to walmart...good prices and they do installations if you need it

Larry2623

I wish it had not been!!

Larry2623

Had Marcus but got offer from 360 for $500 to deposit 50k..free $500 so I am switching

Larry2623

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 ...

Larry2623

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 tr...

Larry2623

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

Larry2623

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...

Larry2623

I use GS Marcus...happy with rate and service

Larry2623

I call Amex Platinum CC number...free 4 times a year

Larry2623

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.

Larry2623

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...

Larry2623

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

Larry2623

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...

Larry2623

confused

Larry2623

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...

Larry2623

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...

Larry2623

It is hard to beat Amazon subscribe and save when t is 15% off

Larry2623

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 ...

Larry2623

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

If not, then stay out of their finances."

+1

Larry2623

Try Tupelo Honey Cafe for breakfast for brunch if you can't make it early Dinner is good too!

Larry2623

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.

Larry2623

+ about 1%

Larry2623

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?

It would be for after the gym!

Larry2623

thanks

Larry2623

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...

Larry2623

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...

Larry2623

So no one use any security like norton or malwarebytes or anti anti virus?

Larry2623

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

Larry2623

Retiring next month, always used work computer security now must set up my own. Any suggestions for best? Norton, malwarebytes, etc

Larry2623

39 days to go!

Larry2623

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

Larry2623

Malinois000 wrote: ↑Thu Feb 22, 2018 11:32 pm Black Panther - terrific film!

Was it really? I found it very predictable...

Larry2623

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 ...

Larry2623

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?

Larry2623

Thanks...figured it was not taiwan semi

Larry2623

TSM=what?

Larry2623

Not all bear markets go down 50%

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