Search found 134 matches

by FireHorse
Sun Aug 18, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 134
Views: 9325

Re: Aliens have captured my husband [wants to buy a Porsche]

Let him have it.
Money is not a problem for you, why not let him enjoy it!!!
by FireHorse
Sat Aug 17, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8191

Re: Taking a break in your 50s: Is it the kiss of death?

Most people in the thread are telling you that you are safe to quit your job, your 35X with proper AA is adequate to glide into retirement or take a gap year.
If you don't want to quit your job, may be suck it up or speak up are the way to go. Your 35X is your back bone
by FireHorse
Fri Aug 16, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 6883

Re: Use Vanguard MM Prime for cash rather than local bank?

Thanks for the thread.
This is confirmed what I wanted to do
Cheers
by FireHorse
Fri Aug 16, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance out-of-pocket maximum
Replies: 19
Views: 963

Re: Health insurance out-of-pocket maximum

Wow....that's a news, a bad news.
I fear the health insurance pkg is going to be like this at year end when we renew it
by FireHorse
Wed Aug 14, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 9469

Re: Breakfast Menu After Retirement

Since retired, we have brunch instead of breakfast so we can sleep in :D
We cut our meals to two a day instead of three
by FireHorse
Wed Aug 14, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 9469

Re: Breakfast Menu After Retirement

Stick with the much more healthful Oatmeal every day. +1 1 serving. Simple. Can be made tasty any number of ways. A lot more healthy than a Hawaiian Island breakfast of Spam, Portuguese Sausage, Fried Rice, and a side of waffles with guava syrup. :oops: j Oh my....... Still missing Hawaii breakfast...
by FireHorse
Sat Jul 27, 2019 12:36 pm
Forum: Personal Investments
Topic: 19k to 25k limit 401 after 50
Replies: 12
Views: 1610

Re: 19k to 25k limit 401 after 50

sambb wrote:
Sat Jul 27, 2019 12:25 pm
If i can contribute the higher limit to 401k after age 50, but i turn 50 in november of the year, do i start with higher contributions early in january>
Yes
by FireHorse
Mon Jul 22, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3038

Re: Trip to Honolulu

Thank You so much. Without everyone's input, my trip would have been haphazard. All suggestions have made it possible for me to make a logical itinerary without running north, then south and all over. I am grateful to my boglehead community Regards OP, have a great time in Hawaii. I am glad that yo...
by FireHorse
Sun Jul 21, 2019 12:57 am
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3038

Re: Trip to Honolulu

myleaf wrote:
Sat Jul 20, 2019 10:08 am
FireHorse wrote:
Fri Jul 19, 2019 8:52 pm
Don't mind me cut in.....

Any mid to high end restaurants with reasonable price and unbelievably good food?
Alan Wong
Side Street Inn
Many thanks for the suggestion!
by FireHorse
Fri Jul 19, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3038

Re: Trip to Honolulu

Don't mind me cut in.....

Any mid to high end restaurants with reasonable price and unbelievably good food?
by FireHorse
Mon Jul 01, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 2839

Re: Experience with Synchrony savings accounts?

We have CD with Synchrony for many years, the rates are on the high end and automatic monthly interest deposit to our personal bank, it is quite convenient.
by FireHorse
Mon Jul 01, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1431
Views: 139941

Re: U.S. stocks continue to soar!

It looks like today is another new high
by FireHorse
Wed Jun 26, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

Vanguard told me that I could transfer some $$ back to Fidelity, but I am concerning of another human error. Meaning they are taking no responsibility for this and telling you to fix it yourself. I wonder if Fidelity would also do this based on nothing but a phone call. I am still debating whether ...
by FireHorse
Tue Jun 25, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

You are implying that Vanguard initiated a transfer based on a telephone conversation. Surely there is paperwork that would show what your instructions to Vanguard were? No paperwork. Phone request and E-transfer I am shocked by this. Vanguard will initiate a transfer and Fidelity will allow money ...
by FireHorse
Tue Jun 25, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

OP here. It is my responsibility to let everyone know what happened with this instance and the outcome. Spoke with a representative from Vanguard today and learned 1) vanguard did requested full IRA account transfer 2) there is no way of stopping the transfer as soon as it started, because it is el...
by FireHorse
Tue Jun 25, 2019 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4547

Re: Triage in ER - charged $790

$790 ER visit is a steal.

Years ago, spouse cleaning the garage and a nail partially went through the finger. We went to the ER, just application fee was 2400, never mind the rest of the cost.
Our insurance was large deductible 5000, it didn't take much to exhaust 5000
by FireHorse
Tue Jun 25, 2019 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

OP here. It is my responsibility to let everyone know what happened with this instance and the outcome. Spoke with a representative from Vanguard today and learned 1) vanguard did requested full IRA account transfer 2) there is no way of stopping the transfer as soon as it started, because it is el...
by FireHorse
Mon Jun 24, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

OP here. It is my responsibility to let everyone know what happened with this instance and the outcome. Spoke with a representative from Vanguard today and learned 1) vanguard did requested full IRA account transfer 2) there is no way of stopping the transfer as soon as it started, because it is ele...
by FireHorse
Mon Jun 24, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 42
Views: 5608

Re: Balsamic vinegar?

Question -
besides salad dressing, what else do you do with Balsamic vinegar?
by FireHorse
Sat Jun 22, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

OMG.....it looks like they did 100% transfer Fidelity Transaction history have shown 100% IRA account transfer including the Fidelity bond funds Fidelity representative said the transaction will take effective on Monday, its too late to un-do the transaction. What a mess? They won’t correct their o...
by FireHorse
Sat Jun 22, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

It looks like it is a Fidelity's mistake.

Vanguard's Tracking transaction note specifically stated 40% in $$ value
by FireHorse
Sat Jun 22, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

OMG.....it looks like they did 100% transfer

Fidelity Transaction history have shown 100% IRA account transfer including the Fidelity bond funds

Fidelity representative said the transaction will take effective on Monday, its too late to un-do the transaction.

What a mess?
by FireHorse
Sat Jun 22, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Re: Anyone knew the answer where the money is

I've had many versions of this experience over the years, maybe half a dozen times, maybe ten. The thing that's troubling is that the front-line people, the people who talk to you on the phone, have never known and never succeeded in finding out "where the money is." So they fob you off by inventin...
by FireHorse
Sat Jun 22, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4815

Anyone knew the answer where the money is

yesterday I transferred 40% of the total IRA value from Fidelity IRA to Vanguard IRA, the other 60% remains in bond funds in Fidelity. I just went into Fidelity account and noticed that the 40% is still sitting in the reserve fund and other 60% bond funds are gone, disappeared. I called and spoken w...
by FireHorse
Sun Jun 16, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Snowbird to Florida for a month
Replies: 5
Views: 1043

Re: Snowbird to Florida for a month

Thank you for your replies.
I was able to find an apartment on Airbnb for the month of February in my price range. Starting early search is a right thing to do.
Cheers!!!
by FireHorse
Sat Jun 15, 2019 7:54 pm
Forum: Investing - Theory, News & General
Topic: Wellington VS Balanced Index
Replies: 36
Views: 6514

Re: Wellington VS Balanced Index

OP, A person should pick the Wellington fund if he believes that actively managed large value fund has a place in his portfolio. I am not willing to place all my bets in a passive index fund. So, 40% of my portfolio is in the Wellington fund. KlangFool KlangFool Does your 40% Wellington fund in tax...
by FireHorse
Sat Jun 15, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: Wellington VS Balanced Index
Replies: 36
Views: 6514

Re: Wellington VS Balanced Index

OP, A person should pick the Wellington fund if he believes that actively managed large value fund has a place in his portfolio. I am not willing to place all my bets in a passive index fund. So, 40% of my portfolio is in the Wellington fund. KlangFool KlangFool Does your 40% Wellington fund in tax...
by FireHorse
Sat Jun 15, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: Wellington VS Balanced Index
Replies: 36
Views: 6514

Re: Wellington VS Balanced Index

OP, A person should pick the Wellington fund if he believes that actively managed large value fund has a place in his portfolio. I am not willing to place all my bets in a passive index fund. So, 40% of my portfolio is in the Wellington fund. KlangFool KlangFool Does your 40% Wellington fund in tax...
by FireHorse
Fri Jun 14, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Snowbird to Florida for a month
Replies: 5
Views: 1043

Snowbird to Florida for a month

Me and spouse finally on the same page about being a snowbird to Florida for a month this coming up winter. We are in northeast, the brutal winter starting to get on our joints and nerves. We are thinking of a month of February. We both are quiet people and don't have friends and relatives in Florid...
by FireHorse
Fri Jun 07, 2019 11:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11766
Views: 2018603

Re: U.S. stocks in free fall

I predict the market's "bad news = good news" assessment that a terrible jobs report is actually good news may not last the day. I doubt it. Today's news seems to make it more likely that the Fed will at least halt rate hikes for a while. Valid point but I'd think "no hikes" were baked in a while a...
by FireHorse
Thu Jun 06, 2019 11:25 am
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 14671

Re: You May Never See Your Grandchildren Again

From my Forbes blog: You May Never See Your Grandchildren Again I was so excited! It was our first "free dinner and retirement discussion" since moving into an over 55 community last summer. Let me sum up what I heard this adviser say: Be very afraid. Advisers manage money badly, Social Security pe...
by FireHorse
Thu Jun 06, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 16707

Re: Insights from Vanguard

I had a very long call with Vanguard today. We discussed many different topics and I thought some of the things they said might interest some of you, so here are some of my notes and impressions: I know Vanguard doesn’t have a stellar reputation here when it comes to support, but my experience has ...
by FireHorse
Sat Jun 01, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4638
Views: 1197448

Re: What Movie Have You Recently Watched?

Bohemian Rhapsody - Queen band.
I like the actor of Freddie Mercury better than the real one
by FireHorse
Mon Mar 11, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3914
Views: 1120026

Re: What Book Are You Currently Reading? Part VI

I also just read "educated". SO GOOD!!!
It was recommended in the earlier pages of this thread.
Love this thread
by FireHorse
Mon Feb 25, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Is it normal to get charged when moving out of an apartment?
Replies: 4
Views: 745

Re: Is it normal to get charged when moving out of an apartment?

This exact subject (renter's rights) was on the CBS news tonight. It appears they are overwhelm amount of situations such as yours that lead to news station to look into this.
Please check the CBS news website for this.
by FireHorse
Sun Feb 17, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3340

Re: Travel to Cuba

A U.S. Cruise ship was forced to turn around Friday when it was denied entry to Cuba, scuppering passenger's plan to visit capital city of Havana.
From Newsweek.
https://www.msn.com/en-us/news/world/am ... spartanntp

Anyone knows why?
by FireHorse
Thu Feb 14, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3914
Views: 1120026

Re: What Book Are You Currently Reading? Part VI

Two third way through "The Handmaid's Tale" by Margaret Atwood.
I have read some of author's presentation before I decided to read this book. I knew what triggers her to write this book and at what circumstances she wrote this book.
The story gives me chill. Hope the story will never become true.
by FireHorse
Thu Feb 14, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4638
Views: 1197448

Re: What Movie Have You Recently Watched?

Tootsie by Dustin Hoffman
I watch it once every few years, many flashbacks, never tired of it.
by FireHorse
Wed Feb 13, 2019 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 33877

Re: Early retirees, how much did you leave on the table?

I retired at 52. Had witnessed Mega Corp personnel politics, back stabbing, management gaming, unethical and unhealthy work environment...etc, when the number hit the target, I packed and left. If I asked myself "Early retirees, how much did you leave on the table?", I would still be at my job. Mone...
by FireHorse
Sun Feb 10, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3340

Re: Travel to Cuba

Thank you all for sharing your experiences, very informative.
Do local people speak english?
by FireHorse
Sat Feb 09, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Travel to Cuba
Replies: 42
Views: 3340

Travel to Cuba

Family members are talking about the desire to visiting Cuba, specifically Havana and some other large cities. We googled the topic and came up with different answers. We are not seasoned travelers. Whereever we go, we always do tons of research to make sure we are well prepared for the journey. Aft...
by FireHorse
Wed Feb 06, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: What do you blame for unhappiness in retirement?
Replies: 53
Views: 3938

Re: What do you blame for unhappiness in retirement?

Its easier to blame other people than to look deep inside of yourself, observe yourself and learn yourself.
Or it could just be hormones
by FireHorse
Thu Jan 31, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Starting from zero..literally.
Replies: 45
Views: 5124

Re: Starting from zero..literally.

Only 32, what's the worry. Many of us started later than 32 and yet still be able to retire early.
The key is that your friend has learned his lesson and moving life forward.
by FireHorse
Tue Jan 29, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Balancing Investing & Life
Replies: 23
Views: 1504

Re: Balancing Investing & Life

As much as we talk about savings and frugality on this forum, that is not our goal in life. My thoughts always been family, kids and our enjoyment together is our #1 priority, then savings and live frugally for children's education and our retirement in the future. Have good time with family doesn't...
by FireHorse
Tue Jan 29, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Setting up Will, do we need trust?
Replies: 50
Views: 3828

Re: Setting up Will, do we need trust?

OP here. Want to report back on the meeting with Attorney yesterday. Major assets - besides the house we live in, the rest are investment (non-taxable and taxable). The non-taxable set up with beneficiaries; and the taxable set up with beneficiaries and transfer of death, so in the event of me and s...
by FireHorse
Sat Jan 26, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Do Kids need to file tax return for 2018?
Replies: 11
Views: 958

Re: Do Kids need to file tax return for 2018?

This is so helpful. Thank you so much for your knowledge. I will claim my son as dependent for 2018. But he will be graduating in May, 2019 and will be working after that, I will not be claiming him as dependent in 2019 tax filing. Although he will still be living in the house. I assume that is allo...
by FireHorse
Sat Jan 26, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Do Kids need to file tax return for 2018?
Replies: 11
Views: 958

Do Kids need to file tax return for 2018?

Hello All - Both my kids are in college. My son had an internship at a MagaCorp in 2018, his gross income was $13,053; my daughter was a swimming instructor in the summer and the gross income was $1,423. Both of them paid into Fed tax, state tax, SS tax and Medicare Tax. My question is - do they nee...
by FireHorse
Wed Jan 23, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21922

Re: Why doesn't a lot of money feel like a lot of money?

Feel the same here.
I think our brain adapting "new normal" very quickly
by FireHorse
Wed Jan 23, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Setting up Will, do we need trust?
Replies: 50
Views: 3828

Setting up Will, do we need trust?

We have a meeting scheduled with an attorney next week to set up a Will, do we need a Trust too?
We have two adult children. Our assets are investments, savings account and a house that we are living in. We have no real estate, no properties.
Thanks ahead for your input on the subject.
by FireHorse
Sat Jan 19, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3914
Views: 1120026

Re: What Book Are You Currently Reading? Part VI

"The World is Flat" by Thomas Friedman. It is about how information technology changing the way we do business, from India to London to Las Angles to Beijing no longer a 24 hour red eye required but you can connect anywhere online in your bedroom to execute the business. Around year 2000ish time, we...