Search found 1832 matches

by rgs92
Fri May 18, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 3887

Re: How to Invest $600K for Retirees

Beware that the Fidelity annuity that is being offered is probably not a pure immediate annuity because they are talking about a "rate" that is guaranteed. That sounds like some more complex/expensive product that wades into bad-annuity territory. Vanilla SPIAs do not have a rate, just a contracted ...
by rgs92
Fri May 18, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 9
Views: 782

Re: Are high dividend stocks advantageous for the 15% tax rate?

Thanks for the (varying) opinions. I thought I would be told by many to just use an index fund or 3-fund portfolio, so I'm actually surprised there is some positive feedback on my idea that is not in line with the common wisdom.

Thanks to everyone and any more opinions would be welcome.
by rgs92
Thu May 17, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 3793

Re: I will be laid off but can not get unemployment benefits?

UI just checks state W2 income (that's my understanding). So if you don't have any W2s, you are good to go.
by rgs92
Thu May 17, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 51
Views: 2150

Re: Road trip Newark NJ to Albany

It can be very grand and unforgettable around Newark airport. Everyone should see it once to experience it. It really is one of the 7+ wonders of the world. It's actually quite thrilling and breathtaking. Don't miss it if you have never seen it. So many lanes and signs and an amazing landscape of ma...
by rgs92
Thu May 17, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 51
Views: 2150

Re: Road trip Newark NJ to Albany

Woodstock is nice. Newburgh/Beacon is also much better than it used to be. One way car rentals tend to be expensive and it's not a very long drive, so I would just do a round trip by car from Newark to Albany. Take Route 17 in NJ to the Thruway (Route 287/87) up to Albany. Also check out the Gov't b...
by rgs92
Thu May 17, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 9
Views: 782

Re: Are high dividend stocks advantageous for the 15% tax rate?

Well, I'm talking about using this "fund" for current income, so there is no later.
by rgs92
Thu May 17, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 9
Views: 782

Re: Are high dividend stocks advantageous for the 15% tax rate?

So to expand the question, if you are in a higher marginal tax bracket in retirement with a substantial portfolio, is there any way to take advantage of the 15% tax rate on dividends that makes sense? For instance, if you carved out a portion of your portfolio for a set of, say, 25-50 individual div...
by rgs92
Thu May 17, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 9
Views: 782

Are high dividend stocks advantageous for the 15% tax rate?

While I know the consensus here is that favoring higher-dividend stocks does not make sense for an equity portfolio,
does it make sense for a taxable portfolio used for income in retirement because of the 15% tax rate on dividends?
by rgs92
Wed May 16, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5287

Re: Need Input on My Early Retirement Plan.....

I would start by putting a million dollars in a fixed annuity (joint).
by rgs92
Tue May 15, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds really needed - why not 100% stocks?
Replies: 71
Views: 5302

Re: Are bonds really needed - why not 100% stocks?

When a withdrawal is needed from a portfolio, I believe it is better to withdraw in line with your total asset allocation. Otherwise you are timing the market.
by rgs92
Sun May 13, 2018 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Quest for the perfect online savings bank
Replies: 18
Views: 2240

Re: Quest for the perfect online savings bank

I think the distinction between online and brick-and-mortar banks are blurred. I have a bank account and credit union account and I do everything online and never go there. I don't go visit Fidelity either. Basically every bank is an online bank I would think. To answer the question though, Ally has...
by rgs92
Sun May 13, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 297
Views: 19744

Re: Lucrative careers?

I seriously doubt that anybody gets hired via USAjobs. I know several people in state/federal jobs, and everyone has found it via networking or some personal recommendation from someone who works there already or a family connection. I tried for years to get something with USAjobs that matched my sk...
by rgs92
Sat May 12, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 60
Views: 8268

Re: Savings Bond Wizard to be eliminated 5/18

Once your bonds are safely ensconced in treasury direct, that's all the calculation you need. At least that's all I need. I think these calculators are meant for the paper-centric era. TD does it all. (And if you have gone through the pain of placing all your bonds in TD, I feel it would be excrucia...
by rgs92
Sat May 12, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: New Digital Advisor for $20/month - Worth it ?
Replies: 11
Views: 1380

Re: New Digital Advisor for $20/month - Worth it ?

With a nice 3-fund portfolio, you do not need any type of adviser. I would let this forum be your adviser. Good luck.
by rgs92
Sat May 12, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 297
Views: 19744

Re: Lucrative careers?

2 words: Government Job (if you are lucky enough to find one; you normally need to have an insider connection because these jobs are the Holy Grail of Job Security, Quality of Work Life, and pensions/benefits and even competitive salary and definitely long-term happiness). I say it over and over to ...
by rgs92
Sat May 12, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5324

Re: New Car Suggestions: BMW Crapping Out

I took a long thorough test drive of the Lexus NX300 and really liked it. It felt like a very well handling nimble/quick/stable/well-powered car and was really quiet. Comfort and seats were fine too. It was one of those cars where nothing stood out as annoying or negative, which says a lot. If I wan...
by rgs92
Fri May 11, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2181

Re: Online/cloud backup or file storage?

I would never use a public computer for anything where I had to enter a password or personal data or any data I did not want to be accessible to the general public. I would probably apply this approach for any computer I didn't own.
by rgs92
Thu May 10, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3721

Re: Used car, $20K-$25K

2015-6 Acura RLX w/about 25K miles. Several in your price range on cars.com. Some are CPOs.
by rgs92
Thu May 10, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 702

Re: Moving companies (long distance):recommendations+choosing delivery date?

Thanks for the tip about boxing. It sounds like UPS where you only get the pack-and-ship guarantee if they pack it for you.

So you can specify an arrival date? Thanks. That's good news.
by rgs92
Thu May 10, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 702

Re: Moving companies (long distance):can I choose delivery date?

Interesting. Are they all franchises? Even all the big well-known national names? Thank you.
by rgs92
Thu May 10, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2140

Re: how to figure that shoes need replacing

If you have pronation, any visible asymmetrical wear means the shoes should be replaced. It could worsen the pronation or cause instability or falling.
Pronation is where your feet turn outwards or inwards and you walk more on the outsides or insides of your feet and your feet turn out or inwards.
by rgs92
Thu May 10, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Factors Suggesting One Should Buy SPIA
Replies: 90
Views: 6426

Re: Factors Suggesting One Should Buy SPIA

As a side issue, does anyone think SPIAs with an annual fixed bump of 1 or 2% (not COLA (inflation) based) are worth it? I know Fidelity has these. I somehow think the reduced payment in these low-interest environments argues against this and you would be better off re-investing the extra amount eac...
by rgs92
Thu May 10, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 702

Re: Moving companies (long distance):can I choose delivery date?

1. So if I have anything fragile or expensive, should I pack it super-secure, better than I would for UPS/Fedex? 2. As for scheduling, are we talking about delays or things showing up sooner than expected? 3. Has anyone had notably good experiences with one particular mover? (I only did this once, d...
by rgs92
Thu May 10, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 702

Moving companies (long distance):recommendations+choosing delivery date?

If I do a long distance move, can I pick a delivery date so I can be sure to be there when I arrive?
Since I plan on driving (with pets), it will take me a few days.

Also, any recommendations/tips/comments on dealing with long distance movers would be welcome.
Thank you.
by rgs92
Wed May 09, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 4945

Re: Buying new car or buying used car

Example: 2017 Lexus LS460 AWD: new at $80K MSRP, $66K street price with some haggling. 2014 version (same car as CPO, only minor changes in display, essentially same car), 8,000 miles: $50,000. So, for essentially break-in mileage, at least $15K saved. Worth it? I think so; others may prefer the new...
by rgs92
Tue May 08, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4575

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

I think it would be less secure, maybe even a lot less secure. Nobody has ever lost a cent by keeping money in the US.
by rgs92
Mon May 07, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to change jobs or should I stay put?
Replies: 63
Views: 5024

Re: Is it time for me to change jobs or should I stay put?

Stay where you are unless you can find a gov't job (in which case, take it without further thought). Private sector IT jobs are a minefield, and being in your 40s makes it much more dangerous. Stay where you are and do your best to become part of the woodwork where you are and keep your head down an...
by rgs92
Mon May 07, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Switching Apple Mac Mini to Solid State Drive?
Replies: 15
Views: 1037

Re: Switching Apple Mac Mini to Solid State Drive?

Hey, thanks for the great ideas on this. I'll mull it over.
I really appreciate all the advice.
by rgs92
Mon May 07, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: DRIP (Dividend Reinvestment Plan)
Replies: 21
Views: 1724

Re: DRIP (Dividend Reinvestment Plan)

It's a pain at tax time to figure out cost basis and capital gains and even dividends sometimes.
It's the equivalent of an ESPP at work w/o the cost discount (employee stock purchase plan).
by rgs92
Mon May 07, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Switching Apple Mac Mini to Solid State Drive?
Replies: 15
Views: 1037

Switching Apple Mac Mini to Solid State Drive?

I have a 10 year old Apple Mac Mini with a conventional spinner drive. I like the machine but I don't like the noise from the drive. Is it practical/worth it to swap the spinner to a solid state drive? What about 2 solid state drives? Who could do this for me? The apple store or a computer repair pl...
by rgs92
Mon May 07, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: New car for my wife
Replies: 25
Views: 2625

Re: New car for my wife

The big pain with snow tires is having to change them twice a year and store them in the meantime.
I had Blizzaks for 15 years with my RWD Mercedes and for about half the years I never got around to mounting them for the winter. They are great tires I admit.
by rgs92
Mon May 07, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4356

Re: AMC Movie Theaters -- typical OR not?

I find movie-theater sound way too loud.
by rgs92
Sun May 06, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4570

Re: Best cash-back credit card right now?

I think Fidelity also has a 2%-rebate-on-everything card. For some reason, my Fidelity cards pay just 1.5%, but I'm told that I could get them swapped for the 2% one if I get motivated to do so.
(I also use the Citi 2% card.)
by rgs92
Sat May 05, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2300

Re: SUV vs Full Size Car - Taurus or Escape

I wonder if all the Lincoln sedans are being put out to pasture also. The Continental was just released a year ago.
by rgs92
Sat May 05, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1203

Re: Converting my (financial) Excel spreadsheets to MS Access DB?

Thanks for all that! I appreciate it. Is it better to first create the Access table design manually with all the fields defined to match the spreadsheet and import the spreadsheet into this empty table? Is this even possible? As for the advice for a column to contain only numeric or character data, ...
by rgs92
Sat May 05, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8699

Re: Warning: avoid Windows 10 update 1803

I just checked and I have Windows 1709 (in Windows 10). I usually let Windows do its thing with updates but it has never tried to give me anything beyond this. (Just sharing my info here in case it add to the discussion...) I went to this Microsoft link about Windows versions and I'm not sure what i...
by rgs92
Sat May 05, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1203

Converting my (financial) Excel spreadsheets to MS Access DB?

Can anyone help me with converting my various Excel spreadsheets to tables in an MS Access DB? I tried importing but the results are confused, so I am looking for a clean and straightforward way to convert each spreadsheet such that each spreadsheet column is a field in an Access table. Any tips on ...
by rgs92
Sat May 05, 2018 6:37 am
Forum: Investing - Theory, News & General
Topic: Paying down your mortgage as a way to balance your portfolio?
Replies: 72
Views: 3836

Re: Paying down your mortgage as a way to balance your portfolio?

One financial strategy is to have a permanent mortgage you intend to leave with a large balance even when you leave this world.
If this is the long-term plan, why pay it off?
by rgs92
Fri May 04, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Retirees Never Had It Better
Replies: 31
Views: 5015

Re: Retirees Never Had It Better

It's also scary hearing (as posted earlier) how everyone up to around the 90th percentile retires with less than about a quarter-million dollars, which is basically zero in terms of income generating power.
by rgs92
Fri May 04, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Retirees Never Had It Better
Replies: 31
Views: 5015

Re: Retirees Never Had It Better

The low-inflation conditions of the last 20 years most probably have been a boon for people with mostly fixed income streams.
I imagine those who retired in 1970 had a hard time (unless they had pensions, which of course were much more common then).
by rgs92
Fri May 04, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 4951

Re: Home Theater Stereo/Speakers

Good points Iamlucky. I'm just lazy and find it hard enough personally to find good realistic non-fatiguing sound from 2 speakers alone without trying to fit in subwoofers or even surrounds. And actually I find subwoofers sound best when there are 2 of them, as a single one always sounds like a poin...
by rgs92
Thu May 03, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3862

Re: Costco Vs Amazon Prime

There is a current active thread about sugar going on now (Thread: Have you quit eating sugar? Tell me how!).
by rgs92
Thu May 03, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5135

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

I see a huge number of Jeep Cherokees around, so it's hard to believe they are lemons. (Unless everyone just leases them and turns them in every few years.) I know a couple of people who have them and say they love them. This is all just anecdotal, but that's my impression. I also see lots of Chrysl...
by rgs92
Thu May 03, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6537
Views: 1401070

Re: U.S. stocks in freefall

Point taken about stock buybacks. I have just been influenced by listening to CNBC I guess. I did think buybacks were the equivalent of dividends, which were not necessarily a good thing (from all my reading here over the years), but not really a negative either.
Thoughts? Thanks.
by rgs92
Thu May 03, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance new home-IN a hurry!
Replies: 22
Views: 1422

Re: How to finance new home-IN a hurry!

Thanks informal! That sounds risky if you don't time it right. So it seems like there in no way to borrow against an IRA, even a Roth one.
by rgs92
Thu May 03, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3862

Re: Costco Vs Amazon Prime

Thanks for that info Pajamas. I'm have Costco but have mainly used them for tires.
by rgs92
Thu May 03, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3862

Re: Costco Vs Amazon Prime

I guess it's been said, but you have to go to Costco don't you? That's a problem. I tend to buy more judiciously online relaxed at home away from the distractions of a store.
by rgs92
Thu May 03, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6537
Views: 1401070

Re: U.S. stocks in freefall

Good things: 1. Lower corporate taxes. 2. Good earnings. 3. Lots of buybacks. 4. Favorable P/E ratios overall. 5. Nominal S&P price only 75% higher than 18 years ago. 6. Low inflation. 7. Low but not rock-bottom/negative interest rates. Bad things: 1. Big deficits. 2. Washington turmoil. 3. Concentr...
by rgs92
Thu May 03, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance new home-IN a hurry!
Replies: 22
Views: 1422

Re: How to finance new home-IN a hurry!

Can margin buying via a Vanguard/Fidelity account be done with an IRA?
by rgs92
Thu May 03, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 4951

Re: Home Theater Stereo/Speakers

In my book the goal is: Less clutter, less money, better sound. I would avoid subwoofers. They take up floorspace and add to the cable mess. And they sound artificial adding pounding and sometimes painful boom. And they add an extra built-in amplifier that generates heat and requires an extra power ...