Search found 1978 matches

by rgs92
Mon Jul 16, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4788

Re: Where to get a $100 bill?

My friendly local bank will not change a bill if you don't have an account there. I tried and they said that was policy. They were not busy at all.
So I do banking with Ally.
by rgs92
Mon Jul 16, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 130
Views: 7945

Re: Why own a bed?

So in Arizona there are scorpions inside the house? That would scare me from living there or even visiting.
by rgs92
Mon Jul 16, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Balanced Funds and Sequence of Return Risk
Replies: 45
Views: 2499

Re: Balanced Funds and Sequence of Return Risk

How do you know if stocks are down (or up)? This is the same as saying "stocks are low (or high)." It's very hard to tell. (This is based on the idea in the comment that With the 3FP, if stocks are down, you can withdraw from your bond fund in the original post.) This is the problem with the origina...
by rgs92
Sun Jul 15, 2018 10:02 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2639

Re: Financial Newspapers & Publications

I always read the what Yahoo Finance collects, for better or worse. The comments on each piece are entertaining also; that's where you learn to take social security at 62 no matter who you are.
by rgs92
Sun Jul 15, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: How do you back up Quicken?
Replies: 15
Views: 796

Re: How do you back up Quicken?

You can do it all on Microsoft OneDrive if you have it.
by rgs92
Sun Jul 15, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Spending profile in retirement
Replies: 19
Views: 1570

Re: Spending profile in retirement

Spending varies wildly due to things like a string of unexpected house or car repairs or whatever, like a high vet bill. Any given month or year can be much different than usual. That always bothers me when I try to predict expenses. It can really screw up an SWR plan. The best laid plans... I'm alw...
by rgs92
Sun Jul 15, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 49
Views: 5188

Re: Costco Membership

You can buy Costco gift cards on ebay. For a slight premium, no membership is needed to use it. Like $28.60 for $25. There are higher denominations too, like $200 and up. They all say you can use them w/o a membership. https://www.ebay.com/itm/200-Costco-Gift-Card-CHEAP-GAS-NEVER-EXPIRES-/1428398043...
by rgs92
Sun Jul 15, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: FedEx / UPS Vacation Hold?
Replies: 10
Views: 935

Re: FedEx / UPS Vacation Hold?

Thanks discman017 for that. I appreciate all the comments, but I was specifically asking about UPS/FedEx deliveries. Of course I have had my mail held from the post office all my life and it's a normal thing that seems to have always worked, but I have actually never heard of anyone who has ever use...
by rgs92
Sun Jul 15, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5336

Re: Is expensive olive oil worth it?

I find the most important thing is to just buy small quantities so it stays fresh. After a month on the shelf, olive oil tastes stale to me. All the well known names taste pretty good to me when fresh. I do like the taste of the really expensive ones (like some from Williams-Sonoma) as they taste re...
by rgs92
Sat Jul 14, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 31
Views: 2063

Re: are mccormick gourmet spices better

Ha ha, I always see some interesting jar of spice and buy it on impulse, then I try it once and it sits on my shelf for 10 years until I finally resign myself to tossing it almost full. (Somehow I think most jars of spices have this fate.) I just use the ready made sea salt and pepper they sell in l...
by rgs92
Sat Jul 14, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: FedEx / UPS Vacation Hold?
Replies: 10
Views: 935

FedEx / UPS Vacation Hold?

Has anyone ever used FedEx or UPS Vacation Hold where, on your online account, you block out a few weeks on your calendar and they hold all deliveries for you until the hold ends?
Does this really work?
Thanks.
by rgs92
Fri Jul 13, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3642

Re: Advice on IT Certification program

I'd kind of be embarrassed that I took a course called Microcomputer Essentials. I would actaully not disclose that I took this. It might work against him. I would suggest that he try a free youtube course in something like Java or C or shell or perl maybe, do some exercises and see if he likes it. ...
by rgs92
Fri Jul 13, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 54
Views: 6332

Re: Be Careful Using Mailboxes

I only mail snail mail from the Post Office. I do whatever I can to avoid getting anything important in the mailbox outside my house. It seems primitive to leave important things out where anyone can get to them or if it's mixed in with a ton of junk mail. At least try and have it sent to a post off...
by rgs92
Thu Jul 12, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Real Estate Investment: Yay or Nay?
Replies: 27
Views: 1993

Re: Real Estate Investment: Yay or Nay?

It would all depend on the appreciation of the property. From the price and property taxes, it doesn't sound like like it's in a booming area.
But that's just reading the tea leaves. If you feel confident this property will double in 10 years, then it's a good investment, but that's a big "if".
by rgs92
Thu Jul 12, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3642

Re: Advice on IT Certification program

The first course is
NWIT 127 - Microcomputer Essentials 3 semester hours.
That's 40+ year-old terminology.
(That's what an Apple II was called.)
by rgs92
Wed Jul 11, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend stocks vs. dividend ETFs
Replies: 9
Views: 651

Re: Dividend stocks vs. dividend ETFs

One other small note, you mention $7/trade for stock trading. It's $4.95 at Fidelity (and Schwab.)
by rgs92
Wed Jul 11, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: ADP 401K Funds Recommendations
Replies: 8
Views: 368

Re: ADP 401K Funds Recommendations

Those are high expense ratios and it's pretty shameful for a large established company like ADP to be making money off the 401K in this way. Your best bet is to put in just enough to get the match in the Nationwide S&P500 fund at the .59% ER. Then put extra money on your own into Roth or Traditional...
by rgs92
Wed Jul 11, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend stocks vs. dividend ETFs
Replies: 9
Views: 651

Re: Dividend stocks vs. dividend ETFs

I think that's too much to put in a limited, interest-rate-sensitive part of the market. Maybe $50 to 100K at most. The standard recommendation here is a broad index fund for stocks, either S&P500 or Total Stock Market index. Dividend funds have lagged over the last decade (and longer) because they ...
by rgs92
Wed Jul 11, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3293

Re: Dad asked for my help on pension decision that I do not understand

My mistake; another poster said he found this on immediate annuities. I edited my post to correct this but you beat me to it with your question. Sorry.
by rgs92
Wed Jul 11, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3293

Re: Dad asked for my help on pension decision that I do not understand

I always recommend the single life annuity on these things. Do check on the value of commercial one as others have done on this thread.
But for simplicity (which it seems like your dad needs, and this is not a tremendous amount of money), I would just take the immediate SLA offered.
by rgs92
Wed Jul 11, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4276

Re: Which advanced tech is necessary in cars?

dmsclone, you say most drivers have their mirrors set wrong.
What is the right way?
Thanks in advance.
by rgs92
Tue Jul 10, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9188

Re: Keeping a checkbook register

If the reason to do it is to avoid insufficient funds, just get overdraft protection for about $5000 to $10,000.
That should do it.
by rgs92
Mon Jul 09, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 1846

Re: New and looking for help simplifying portfolio for FIRE(?)

Offhand, Delaware, Tennessee, and Georgia are on my radar for the great combination of reasonable real estate prices and low property taxes. States like Washington have low property taxes, but the housing prices (in the good areas) are sky high. Pennsylvania's better areas (like the Great Northeast,...
by rgs92
Mon Jul 09, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5769

Re: Any Dry Powder Strategies?

I see the major issue is that Fidelity Puritan is an actively managed fund with an ER of .55%, so this does not conform to Boglehead recommendations. I have heard Cramer use the term dry powder many times (and I have heard other financial commentators use it too). But it is seems like a form of mark...
by rgs92
Mon Jul 09, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: New and looking for help simplifying portfolio for FIRE(?)
Replies: 25
Views: 1846

Re: New and looking for help simplifying portfolio for FIRE(?)

I also suggest, if you do retire early, moving out of New Jersey. The property tax savings will help out then. Meanwhile, in a nutshell, consolidating into a typical 2-or-3-funder w/o any other expenses (like Betterment's) is the way to go. Following the Boglehead path is really not complicated (jus...
by rgs92
Mon Jul 09, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2384

Re: E- Billing & Autopay

There is one annoying issue with billing to a credit card: when the credit card expires, you have to manually change the expiration date and CVV code with the biller. (I mentioned this earlier I think, but I didn't see any feedback on it). I really think this is a silly deficiency that should be cha...
by rgs92
Mon Jul 09, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Continuing Care Community versus 55 + (no LTC and modest assets)
Replies: 61
Views: 3873

Re: Continuing Care Community versus 55 + (no LTC and modest assets)

Will a generous long term care insurance policy pay for some of a CCRC 's costs, either the entry fee or ongoing fees or both?
I wonder how difficult it is to make such a claim.

How do you approach this sort of planning if you (as a couple or a single) have no kids (or anyone else around) to help?
by rgs92
Mon Jul 09, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11025

Re: SS taken at 62 vs. 70, but measured from 70+

Thanks everyone for the stats on this subject. It's funny, but if you read the comments on the many Yahoo Finance articles on Social Security (and other sites) , it seems like 99% of the people are vehemently in favor of taking it as early as possible (62). You almost never see a comment about waiti...
by rgs92
Mon Jul 09, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 3684

Re: Whole Foods -- any drop in prices after Amazon takeover ?

Well, not in the NY metro area. For instance, $3.99/pint blueberries at whole foods are $4.99 at 2 supermarkets here and the same $3.99 at the others. Peaches are $2.99-$3.99/pound at WF and are the same at the supermarkets. And WF had like 8 types of peaches and were much better and were all Americ...
by rgs92
Mon Jul 09, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 3684

Re: Whole Foods -- any drop in prices after Amazon takeover ?

Helpful hint: if you want the wholefoods discount for prime members and don't want to bother with your smartphone, go to amazon.com/primesavings and enter a phone number there. (If you just go to whole foods and use the regular phone number that is listed with your amazon prime account (the "mobile ...
by rgs92
Mon Jul 09, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 3684

Re: Whole Foods -- any drop in prices after Amazon takeover ?

WF has very good produce and it is not more expensive than standard supermarkets. And the quality and variety is far better than other supermarkets. That's my biggest food expense by far. And if you add the 5% off for the prime credit card and the 10% discounts for prime members on certain produce i...
by rgs92
Sun Jul 08, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11025

Re: SS taken at 62 vs. 70, but measured from 70+

Does anyone have a histogram (or some statistics) of the ages when the general public seems to start their Social Security benefits?
by rgs92
Sun Jul 08, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
Replies: 66
Views: 5535

Re: The Worst U.S. Portfolio Disasters — A Historical Comparison

So would a (partial) cure to a 1970s inflation-fueled meltdown be a substantial allocation to a money-market fund? At least your principal is protected and you benefit from high interest rates. Maybe 30-40% of your fixed income allocation should be invested this way... What is the downside of this a...
by rgs92
Sun Jul 08, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
Replies: 66
Views: 5535

Re: The Worst U.S. Portfolio Disasters — A Historical Comparison

Totally fascinating charts. Lots of food for thought and a great planning tool.
Certainly a cure for recency bias.
Thanks!!
by rgs92
Sun Jul 08, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

LOL, that's a lot cheaper than Mercedes used to charge me every year when I brought it in. It seemed like the charged me that when all they did was check things and open and close the hood.
by rgs92
Sat Jul 07, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3220

Re: Trying to hit grand slam with small % portfolio?

I have about a hundred thousand dollars in Apple and Google stock that that I bought several years ago that did very well and turned out to be the best part of my portfolio, but it was just a lucky guess that made me buy them. I still have it and plan on using Mr. Bogle's advice on these that the co...
by rgs92
Sat Jul 07, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4276

Re: Which advanced tech is necessary in cars?

Ha ha, I have adaptive cruise control but I never had the courage to use it (it kind of freaks me out, FWIW). When parking, I do really like the little warnings that tell me how close the corners and sides of my car are to other objects. And when changing lanes, I also love the warnings about cars c...
by rgs92
Sat Jul 07, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2384

Re: E- Billing & Autopay

Make everything paperless. If you overlook or forget things, automatic payment is by far the best way to go; it' set and forget. In fact, for seniors, it's even more important to set things up like this to avoid oversights or inability to keep up with things. Credit cards are better than bank accoun...
by rgs92
Fri Jul 06, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 42
Views: 4548

Re: Fidelity cash position

Thank you Welderwannabe. I never would have known that was the origin of that. Fascinating.
by rgs92
Fri Jul 06, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Annuity- Lincoln Level Advantage Indexed variable annuity
Replies: 14
Views: 834

Re: Annuity- Lincoln Level Advantage Indexed variable annuity

I would put half into an SPIA and the other half into a total stock market index fund. The SPIA is your safe foundation for life. The index fund is for growth.
by rgs92
Fri Jul 06, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18031

Re: Morningstar: prepare for a lost decade for U.S. stocks

What is so bad about this forecast? At least you'll be keeping up with inflation.
It's just like having TIPS.
by rgs92
Thu Jul 05, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1261

Re: Good scanner for paperless (or less paper) office?

Well, scanning both sides at once is a great feature I have to admit. That would make me buy it certainly.
by rgs92
Thu Jul 05, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 42
Views: 4548

Re: Fidelity cash position

Is there any sort of short term trading fee or frequent-trading restriction on Fidelity's SPRXX money market fund? I don't see in mentioned on the fact sheet for it, but there is an odd footnote about the possibility of short term trading issues. It says in footnote 3 under the Fees + Distributions ...
by rgs92
Thu Jul 05, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1261

Re: Good scanner for paperless (or less paper) office?

I would have 2nd thoughts about the Fujitsu ScanSnap ix500 mentioned above. It uses a document feeder. That's a motor and also something that could snag a document. My HP 6520 printer/scanner lets you just lift a lid and scan the document, so there are no moving parts and the document (the original!...
by rgs92
Thu Jul 05, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1261

Re: Good scanner for paperless (or less paper) office?

I just snap a photo with my little Sony camera and save it to a file and cloud storage. I suppose you could use your phone, too, but the camera seems to get a really sharp, detailed photo. When someone tells me they need a scanned document, I just photograph it and email the results. I have an all-i...
by rgs92
Thu Jul 05, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: Why does VXF hold so much cash? [Vanguard Extended Market ETF]
Replies: 10
Views: 829

Re: Why does VXF hold so much cash? [Vanguard Extended Market ETF]

11% turnover is not really that much. It is definitely not massive turnover as mentioned. Active funds often have far higher turnover.
Vanguard Equity Income and Wellington both have about 30% turnover (according to Yahoo Finance).
by rgs92
Thu Jul 05, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Can't participate in 401k for 1 year
Replies: 33
Views: 2425

Re: Can't participate in 401k for 1 year

As mentioned, a Roth IRA is good for $11K. Putting the rest in a taxable stock index fund is great too. There is little tax consequence since there is minimal selling in an index fund and the dividends are qualified. It's just not deductible, but then you don't have to pay the taxes later, so it's n...
by rgs92
Thu Jul 05, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Disappointed with Fidelity 401k
Replies: 36
Views: 3509

Re: Disappointed with Fidelity 401k

Fidelity is fine with all the 401Ks I had with them as the custodian. The issues you describe are not serious or anything to be concerned about at all. Fidelity 401Ks usually offer rock-bottom-cost index funds and the website is great also. It's probably the best 401K provider out there (right up th...
by rgs92
Thu Jul 05, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1716

Re: Pay off my car or trade in on new?

Keep the Audi. It's a regular humble car, nothing out of the ordinary. Trading cars is always a financial mess unless you go the hard work of selling/buying privately and doing some hard bargaining on both sides. It's just not worth the trouble at all. An Audi A3 will not attract any attention. Payi...