Search found 44 matches

by t885
Sat Nov 09, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6692

Re: Was I ripped off at the car dealership?

whodidntante wrote:
Fri Nov 08, 2019 10:42 pm
Sounds like you got got.
Unfortunately this is the correct answer.
by t885
Thu Oct 10, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8166

Re: My mechanic just wrecked my car - advice?

I'm amazed at the replies. 1. I would suggest NOT calling your own insurance company. Terrible advice, you can and will be dropped by your insurance company if you attempt to conceal an accident from them and they find out about it later. Wrong. The garage will have insurance that covers property t...
by t885
Wed May 01, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Hiring a contractor to cut down some trees....what should I be aware of?
Replies: 89
Views: 5660

Re: Hiring a contractor to cut down some trees....what should I be aware of?

Don't over think it. You are having a couple of trees cut down not open heart surgery.

$1,400 is a very good price to have three trees cut down and removed. My only concern would be a valid insurance certficate from the contractor.
by t885
Mon Apr 15, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: High powered binoculars recommendations
Replies: 22
Views: 1233

Re: High powered binoculars recommendations

I've owned several models over the years sold them all and now only have a Swarovski EL 10x42.

https://www.eurooptic.com/34210-Swarovs ... 34210.aspx
by t885
Sun Mar 10, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 11759

Re: Best Car Values

100,000 is a bit of a mental cliff for most people so I like buying cars with just over 100K miles. We bought a 2010 GS350 is fabulous shape last summer (105K miles for $10K) and it needs nothing and runs like a scalded dog. This. Just purchase a 2009 GS 350 for my daughter with 112k miles for $6k....
by t885
Fri Jan 11, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 188
Views: 21619

Re: Around 43K in dividends last year - feel good about it ?

You should feel terrible about the $14K in taxable dividends. Terrible? Seriously? Sometimes I think some people on this forum live in an alternate universe. You should feel proud. That is an excellent accomplishment. Your total dividends is more than my annual salary. Keep up the good work. I agre...
by t885
Thu Oct 04, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 119
Views: 12412

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

flyfishing wrote:
Wed Oct 03, 2018 4:59 pm
Come on split the cost with them. Forget about the legal issue and who to sue- How about moral conscious.
LOL

NO!!!
by t885
Fri Sep 14, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4944

Re: I need a chainsaw to trim branches and limbs!!

OP- Head on over to you tube and watch a few videos on how to run a chain saw. It's not rocket science...Reading all the gloom and doom posts " You're going to cut off a limb" LOL.

If possible. Try to spring for a Sthil. They are a little more money but will last a lifetime.
by t885
Thu Sep 13, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 11312

Re: Massive Student Loan Debt - Fiancee

Don't do it.

She might change in the short term to make you happy but after the "honeymoon" phase is over she will revert back to the mean

Cut bait and move on.
by t885
Tue May 29, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2968

Re: Buying a Woman's Tag Heuer On-line

novemberrain wrote:
Tue May 29, 2018 1:19 am
What sort of net worth justifies buying a watch worth several thousand dollars ?
How is this relevant to the OP's question?
by t885
Wed May 16, 2018 5:38 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 69
Views: 16784

Re: This is Unbelievable - another Vanguard customer support odyssey

Somehow I managed to transfer an IRA, Roth account for both myself and the wife, three separate accounts from TD and deposit OTC stock certificates with one phone call and a couple of mouse clicks.
Easy-peasy....
Unbelievably easy :sharebeer
by t885
Wed Apr 25, 2018 5:31 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 37066

Re: How old are you and how much do you save for retirement a year

schachtw wrote:
Tue Apr 24, 2018 7:48 pm
My wife and I are both 67.

Approx: 2.1M in IRA’s
Approx: 3.1M in Taxable

Fortunately, we don’t have to worry about savings.
:sharebeer
When you have won the game stop playing....
by t885
Thu Apr 19, 2018 6:39 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 37066

Re: How old are you and how much do you save for retirement a year

52
401K-$24,500 + 6% match= $32,000+-
Roth- $6500
Taxable- $12,000

Wife
401k-$49,000 (100% match)
Roth-$6500

So around $106,000...Hard at fist but once you cut out the live style creep it's really not that bad.
by t885
Mon Apr 02, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 19148

Re: Is anyone putting money aside into Gold?

spectec wrote:
Sat Dec 16, 2017 10:33 am
I think lead is a better investment than gold. If the worst case situation ever develops, having enough lead will increase your odds of keeping your gold.
I couldn't agree more....
by t885
Sun Apr 01, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 6166

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

StevieG72 wrote:
Sat Mar 31, 2018 10:22 pm
Let Geico handle it...

They will also,recover your deductible as part of the claim, they conveniently leave that part out...
+1

If you are renting a vehicle make sure to include that in your settlement.
by t885
Sat Mar 31, 2018 4:27 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 11440

Re: Resign from job or possible termination

caffeperfavore wrote:
Fri Mar 30, 2018 8:46 am
Maybe I'm a bad person, but if I knew that I was being terminated, I would not be feeling any job stress anymore (at least not due to the working conditions). I mean, what can they do, fire you?
LOL
by t885
Fri Mar 30, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 18638

Re: Healthy eaters -- is this grocery budget normal to you?

Calling on mods to lock this immediately. People are throwing around junk pseudoscience, and frankly, it's dangerous. Get your nutrition information from an actual expert, a Registered Dietitian. Literally anyone can call themselves a nutritionist, and everyone online thinks they're an expert. Unli...
by t885
Thu Mar 29, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 18638

Re: Healthy eaters -- is this grocery budget normal to you?

Life is short. If your budget allows enjoy one of life's pleasures. One point of view. On the other hand, be fully aware that the more unhealthful the diet -- the more likely you will suffer from various health and disability problems. It is your choice, but balance the risk/reward in a way where y...
by t885
Thu Mar 29, 2018 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 18638

Re: Healthy eaters -- is this grocery budget normal to you?

I've been on a Keto Diet for the past 18 months. Just had blood work done two months ago and my cholesterol was under 150. BP at 108/78 and my heart rate was 64 BPM. Please. Stop this. One anecdotal scenario does not make anything factual. I am not arguing on either side of this issue, but this is ...
by t885
Wed Mar 28, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 18638

Re: Healthy eaters -- is this grocery budget normal to you?

Anyway, we do eat lots of meat! OK - that may be the key to your higher costs. "The science says" high consumption of meat is very unhealthy - so you are paying a premium to harm your health. Your choice - but no longer mine. What science says this? I eat 3 lbs of lean ground turkey, 2.5 lbs of chi...
by t885
Wed Mar 28, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 8434

Re: Grass is always greener, federal edition

Silk McCue wrote:
Tue Mar 27, 2018 9:23 am
I wouldn't draw any cards. You already hold the winning hand. The pot is yours.
The grass is always greener until it is time to mow it...
by t885
Wed Mar 21, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 10830

Re: Drink package on Royal Caribbean, worth it?

I've been a BH since my early 20s precisely so my wife and I, now in our mid 40s, can enjoy these sorts of vacations. Money is a tool, and discretionary spending is part of it. You need a $1000 alcohol package to be able to enjoy a vacation with your wife? Sounds like you need to lighten up and.......
by t885
Wed Mar 21, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond mutual fund purchase fee vs ETF
Replies: 4
Views: 674

Re: Vanguard bond mutual fund purchase fee vs ETF

Generally when there is a purchase fee, the ETF does not trade at NAV like the mutual fund does, so one still doesn't quite get something for nothing. That is, if the purchase fee is 0.25%, then the ETF probably trades at 0.25% higher than the NAV. But not always. Also note that the timing of the d...
by t885
Wed Mar 21, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard bond mutual fund purchase fee vs ETF
Replies: 4
Views: 674

Vanguard bond mutual fund purchase fee vs ETF

First off I did a search under various topic heading with no results. That being said. I fully expect someone to post a link to this very topic proving once again my inability to use the search engine. :oops: No worries you won't hurt my feelings. Enough with the preamble.... There are a select numb...
by t885
Sat Mar 17, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund expense ratio confusion
Replies: 7
Views: 884

Re: Mutual fund expense ratio confusion

Got a call from the plan manager late Friday. THe net ER is the correct rate. :oops: I asked if there was a possibility of adding more Vanguard funds to the current plan or moving the entire account to Vanguard. To my pleasant suprise there is a real possiblity that we may have full access to all of...
by t885
Thu Mar 15, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: Mutual fund expense ratio confusion
Replies: 7
Views: 884

Re: Mutual fund expense ratio confusion

On the website of fund choices, the expense ratio for their S&P fund JFIVX is listed at $0.03% yet when I open the prospectus the ER is listed as $0.30%. Morningstar corroborates with what the prospectus states. The Plan document is the authority. If you saw .03% ER on your Plan web site then this ...
by t885
Thu Mar 15, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: Mutual fund expense ratio confusion
Replies: 7
Views: 884

Mutual fund expense ratio confusion

My 401k plan is unfortunately with John Hancock. On the website of fund choices, the expense ratio for their S&P fund JFIVX is listed at $0.03% yet when I open the prospectus the ER is listed as $0.30%. Morningstar corroborates with what the prospectus states. The nice J.H. customer service lady in ...
by t885
Tue Jan 23, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3327

Re: Can You Say...Auto Insurance

Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. Not necessarily. The risks, in my opinion, are injuries to passengers in your car. If a passenger incurs injury in your car, my understanding is that they would need to file a claim again...
by t885
Tue Jan 23, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3327

Re: Can You Say...Auto Insurance

If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest. JT Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. Not necessarily. The risks, in my o...
by t885
Tue Jan 23, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3327

Re: Can You Say...Auto Insurance

If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest. JT Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage. I guarantee your health plan does d...
by t885
Fri Jan 19, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 3327

Re: Can You Say...Auto Insurance

bottlecap wrote:
Fri Jan 19, 2018 10:36 am


If you get into a major collision, medical bills could easily eat up that $100,000 in coverage and then you will be threatened with paying the rest.

JT
Having high medical coverage on your auto policy is a waste of money if you have good primary medcial coverage.
by t885
Fri Jan 12, 2018 7:01 pm
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

401k. 25.9% $64k 51.03 500 Index 25.14% small cal 23.85% bonds It took a leap of faith but between yesterday and today I've turned all my holdings to cash in the TD account and I am in the process of transfering everything to Vanguard. To be honest. I think if I told someone that I took the advice ...
by t885
Fri Jan 12, 2018 1:26 pm
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

Thank you for your input and time.
by t885
Fri Jan 12, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 35
Views: 6548

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

aristotelian wrote:
Fri Jan 12, 2018 11:47 am
I go back and forth between 100/0 and 0/100 on a daily basis based on the first article I read with my morning coffee.
LOL
by t885
Thu Jan 11, 2018 9:20 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

retiredjg wrote:
Thu Jan 11, 2018 8:08 am
t885 wrote:
Wed Jan 10, 2018 6:45 pm

401k
500 Index
small cal
bonds
How much money is in this account?
Current value is $64K
I am contributing the maximum amount $24K. With emplyeer matching funds including profit sharing total is near $34k per year.
by t885
Thu Jan 11, 2018 9:03 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

Taxable unknown location $42k - OTC stock cert was in my safe until Monday. overnighted to Vanguard yesterday $42k bank stock (loss) What is Vanguard going to do with this? According to the advisior that I spoke with at Vanguard. I will have the ability to sell the stock which I plan on doing somet...
by t885
Thu Jan 11, 2018 7:40 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

At age 51, you no longer have the ability to invest this aggressively in my opinion. "Ability" refers (somewhat) to your portfolio's ability to bounce back after a crash. At your age, you now have less time for that to happen. You need to start focusing more on preserving what you have. +1 In addit...
by t885
Thu Jan 11, 2018 7:28 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

t88, I was going to comment on your asset allocation too, but retiredjg has now covered it, so I'll just add a bit more explanation. When choosing an asset allocation (AA), you need to assess need to take risk, ability, and willingness. In your situation, you do have a lot of need, but you don't ha...
by t885
Thu Jan 11, 2018 7:11 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

You have already told us "My investment stratgey was that of trying to hit the perviable home run which inevitably was followed up with a loss of equal to or greater than the winner.....". Taking a 90/10 position at this point in life could very well be equal to making that mistake over again. [/b]...
by t885
Wed Jan 10, 2018 6:45 pm
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

Well, I've tried a second time and still cannot figure out what you have. Sorry. :( Please put in the dollar amounts for EVERY holding. I'm not interested in what you put in. I'm interested in what each holding is worth now. Taxable at TDA $56k $8k cash individual stocks. <----I think the problem i...
by t885
Tue Jan 09, 2018 8:36 pm
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

Age:51 Desired Asset allocation: 80% stocks / 10% bonds Desired International allocation: 10% of stocks Looks like you are considering a 90% stock,10% bond portfolio. I think that 90/10 is probably too aggressive. What are the thoughts behind picking this number? Trying to make up for lost time. Pa...
by t885
Tue Jan 09, 2018 8:40 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

Anyone else care to comment?

John Hancock 401k holdings listed below

Vanguard small cap-VSGAX

John Hancock 500 index fund- JFIVX

John Hancock bond fund-JHBSX
by t885
Mon Jan 08, 2018 5:56 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Re: Advice needed on my portfoilo

My wife is a self employeed P.A. and is paid on a per deim rate (no witholdings quarterly taxes). Once the kids are in college in four years she will find a more traditional job with benifits, 40lk etc. Her current job allows her the flexibility to spend more time with the kids at school events. I w...
by t885
Sun Jan 07, 2018 8:37 am
Forum: Personal Investments
Topic: Advice needed on my portfoilo
Replies: 22
Views: 2120

Advice needed on my portfoilo

Emergency funds: Yes Debt: None Tax Filing Status: Married Filing Jointly Tax Rate: 24% Federal, 3,07% State State of Residence:PA Age:51 Desired Asset allocation: 80% stocks / 10% bonds Desired International allocation: 10% of stocks Current taxable investments TD ameritrade- $56K mix of individual...