Search found 240 matches

by Murgatroyd
Tue Jul 09, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 69
Views: 5115

Re: (Tall) Buyer Beware: Honda Accord.

Had to read this as I’m 6’7. I clearly recall that the world changed as I grew past 6’4. Even though it was 46 years ago. I know instantly if a car will be comfortable, let alone safe to drive. But I sympathize with you since you have more options.
by Murgatroyd
Thu Jul 04, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 2745

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

I have a large snowblower and an industrial style backpack leaf blower. Both at times have been difficult to start, particularly the leaf blower. Read an article last year that recommended using stabilization in the gas all winter and always in the two cycle mix which the leaf blower uses. Both star...
by Murgatroyd
Sun Jun 16, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11723

Re: With hindsight, what signs indicated you were about to lose your job?

...When you’re told to do something unethical and you refuse.
by Murgatroyd
Sun Jun 16, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 3183

Re: Capital One will only send security notices if you let them spy on you once in a while

I cannot speak to the impetus or meaning of the notice you received. But we’ve used Capital One cards for 20+ years and found them excellent stewards of our credit security. A recent example was I ordered golf balls from Germany. In less than a minute from my order, I received an e-mail request to i...
by Murgatroyd
Tue Jun 11, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Best women's starter golf clubs?
Replies: 17
Views: 848

Re: Best women's starter golf clubs?

Starter sets are a good value but you are asked to entertain customers. This means some professionalism is required. You will need to look the part even if your game isn’t sharp. Callaway has great used values online. Here’s a sample of iron sets in the $200’s. https://www.callawaygolfpreowned.com/g...
by Murgatroyd
Fri Jun 07, 2019 9:42 am
Forum: Personal Investments
Topic: anybody use Fidelity CD ladders?
Replies: 8
Views: 1868

Re: anybody use Fidelity CD ladders?

I built a few CD ladders 6 months ago (all 2 year max) using fidelity tool. I selected auto roll over. I forgot to save the report that showed the interest that will be accrued every 6 month. Now when I look at positions I only see some slightly in positive territory and some in negative territory....
by Murgatroyd
Tue Jun 04, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1351

Re: questions re new roof and house painting

If you are considering 2 coats, ask how long do they wait between coats. I learned this the hard way when the painter I hired considered stroke to the left, stroke to the right as two coats. Also, if paint is included in the bid find out exactly what brand and type. Don’t fall for “this is as good a...
by Murgatroyd
Mon Jun 03, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4182

Re: Santa Fe real estate

Have you talked to a local realtor? Get the real story. As executor of my mother’s estate, I sold her house in Taos a couple years ago. While not SF, it had that same effect of long term listings. But houses were selling even though we were told the market was soft. IMO, SF is a wonderful place to r...
by Murgatroyd
Mon Jun 03, 2019 9:24 am
Forum: Personal Investments
Topic: Large portfolio inheritance
Replies: 30
Views: 4230

Re: Large portfolio inheritance

Perhaps you can source a local fee only fiduciary planner for the “just in case “. At some point introduce DW to him/her to provide familiarity and comfort.
by Murgatroyd
Mon May 27, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10459

Re: House not selling

You need to understand how your house differs from other houses that HAVE sold. Look at realtor.com for houses sold and contingent in your area within say $50,000 of yours. Be critical and detailed of how they differ from yours. Everything else is speculation. If your agent is worth a darn he/she sh...
by Murgatroyd
Thu May 16, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4174

Re: Reservations about job offer

I experienced this exact situation. Position was CEO of a closely held company. The current wanted to retire and I was recommended by a former boss of mine. During the visit he openly explained there was a competition for replacement and none of the existing people were qualifying. So he wanted me t...
by Murgatroyd
Mon May 13, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Cadillac Lineup Question
Replies: 2
Views: 449

Re: Cadillac Lineup Question

My scant understanding is the CT5 replaces both the CTS and ATS and it will be smaller than the current CTS. There appears to be plans for a future CT4.
by Murgatroyd
Mon May 13, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Do posters/the press underestimate changes to the structure of markets?
Replies: 9
Views: 1083

Re: Do posters/the press underestimate changes to the structure of markets?

Some of that has been brought up before, I know I've brought some of that up when discussing the historical performance of small-cap stocks, that seems to primarily hinge on an unusual spurt of growth that all occurred between 1975-1983. Using his data-set for small caps, Wharton Prof. Jeremey Sieg...
by Murgatroyd
Thu May 09, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Replacement Window shopping advice
Replies: 20
Views: 1492

Re: Replacement Window shopping advice

Can't speak to price. But we've lived in 7 houses with all manner of windows. Our current house has a 19 year old addition with vinyl Pella windows. Even at that age these are demonstrably better in every regard than anything else we've lived with.
by Murgatroyd
Wed May 01, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: From Fidelity: "Family Forward Planning Guide"
Replies: 6
Views: 607

Re: From Fidelity: "Family Forward Planning Guide"

Appears you were wise to stop the download. All of Fidelity’s planning tools can be seen in the “Planning” tab at Fidelity.com. Nothing by that name.

Take a look. There are a lot of good, free tools.
by Murgatroyd
Wed May 01, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Hiring a contractor to cut down some trees....what should I be aware of?
Replies: 89
Views: 5225

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

As someone with a couple acres of BIG trees, the bid sounds fine. Likely does not include stump removal. You must investigate this company. Typically tree removal specialists will leave your yard the way they found it. But a lot of tree cutting is done by landscapers who will move on when done. Chec...
by Murgatroyd
Wed May 01, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Very Delayed Posthumous Bill
Replies: 17
Views: 3753

Re: Very Delayed Posthumous Bill

I was an executor. If I were in your situation I wouldn't even have called the attorney, just contacted the billing department about the statute of limitations. I would probably follow up with a registered letter. Only if they started to play hard ball would I have had the attorney write them a let...
by Murgatroyd
Wed May 01, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 6955

Re: Has anyone down-shifted in their career?

My amateur diagnosis is you have mid career burnout. If you were to succeed in downshifting you could also find yourself dissatisfied and wondering how to rekindle your career in a year or two. Take time to evaluate your feelings and google ways to replenish your work spirit, including perhaps findi...
by Murgatroyd
Thu Apr 25, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Advising financially unsavvy family on windfall
Replies: 77
Views: 5773

Re: Advising financially unsavvy family on windfall

Sometimes you just need to know when to keep quiet for the sake of relationships. Case in point with us. FIL left a considerable estate to DW and her sister. Everything was at Merrill Lynch. I knew FIL had done well with his previous broker through specific discussions over the years. But he retired...
by Murgatroyd
Wed Apr 24, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for family business transition [saving, inheritance, etc]
Replies: 19
Views: 818

Re: Planning for family business transition [saving, inheritance, etc]

Sounds like the BIL issue could be something larger. Is he sending up a red flag? Is there something else going on with him? Reason I say this is one option is missing. That would be hiring someone to replace MIL. Additionally, hiring a management company seems to make little sense from a cost stand...
by Murgatroyd
Tue Apr 23, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Interview advice needed - specific question around departure from company
Replies: 4
Views: 702

Re: Interview advice needed - specific question around departure from company

Another action that would build credibility is if you are receiving a recommendation from your current supervisor. If so, you might offer that fact in the transition discussion.
by Murgatroyd
Tue Apr 16, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Executor of Will - Selling House in Poor Condition
Replies: 84
Views: 6590

Re: Executor of Will - Selling House in Poor Condition

I also had a similar situation with my mothers house. There were no family issues but the house was a major issue. We did consider bulldozing the house as a last result but were fortunate. There were structural safety issues and a big problem with the solar system which required significant $$. We f...
by Murgatroyd
Thu Apr 11, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: supplemental dental& vision insurance plans
Replies: 12
Views: 928

Re: supplemental dental& vision insurance plans

We’ve had Delta Dental and VSP for a number of years. On paper they are break even propositions. If you have a lot of dental work it’s just going to cost extra. The place they both work is in the basic office charge. For instance we use a higher end vision provider. The annual check up is over $200....
by Murgatroyd
Thu Apr 11, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 770
Views: 84849

Re: Using Fidelity Cash Management as my only bank account

Assuming Fidelity is also the place where you basically have your investments, the one big concern I would have with the strategy is what happens if your account gets hacked or gets screwed up for some technical reason which takes time to resolve. In the hacking scenario you can generally count on ...
by Murgatroyd
Wed Apr 10, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5679

Re: Baby boomer vicious cycle crash

There’s always something to worry about....
Just the other day I saw an article claiming the millennials now total more than boomers (we’re starting to die off) If you read this blog some millennials are serious about saving.
There’s always something to be happy about....
by Murgatroyd
Tue Apr 09, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 20439

Re: Wife hates new job...wants to quit after 1 day

Look for a new job. Take the layoff package when it arrives. Sounds like they don't have much for her to do. She might not get anything. Very often severance is based on years of service. If it does come to her getting canned this week or next, I'd make a pretty big (yet professional) to-do about h...
by Murgatroyd
Sat Mar 30, 2019 6:46 pm
Forum: Personal Investments
Topic: Should I sign up with a brokerage with a local branch?
Replies: 34
Views: 1361

Re: Should I sign up with a brokerage with a local branch?

I'm trying to decide between TD Ameritrade vs Fidelity. I'm a novice investor and I hear TD has a lot education videos geared toward people like me. Any personal experiences with these platforms? First of all, the Boglehead 3 fund approach really is the best way to invest. You came to the right pla...
by Murgatroyd
Fri Mar 29, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Services
Replies: 107
Views: 12875

Re: Trust Services

I haven't reread this entire thread so hopefully not being redundant. We have progressed to the point of naming Fidelity as the successor trustee, we've used them as our broker for over 40 years I think. Regarding our experience for trust services: 1. We primarily talked to our Private Client Advis...
by Murgatroyd
Fri Mar 29, 2019 4:40 pm
Forum: Personal Investments
Topic: Fidelity investment portfolio suggestion needed.
Replies: 9
Views: 1159

Re: Fidelity investment portfolio suggestion needed.

I am guessing selling the company stock will be the biggest challenge. Some folks get attached. It’s ok. Folks on this website say sell it all immediately. Human nature sometimes doesn’t accept that. Dad seems to want a new direction, it’ll get done. Here’s some ideas to get you started: - some stoc...
by Murgatroyd
Wed Mar 27, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Chicagoland Bogleheads, please help! (Homebuying)
Replies: 29
Views: 2314

Re: Chicagoland Bogleheads, please help! (Homebuying)

We bought our first house in Schaumburg in 2004. About 6 years ago, we decided we needed something bigger, and also thought we might like to move closer to work (Glenview and Lake Forest at the time). After shopping for about 8 months, we wound up almost exactly 1 mile west of where we started, in ...
by Murgatroyd
Wed Mar 27, 2019 3:55 pm
Forum: Personal Investments
Topic: Advice needed for offloading some old stocks
Replies: 11
Views: 618

Re: Advice needed for offloading some old stocks

CVS specifically has turned into a dog. And although there’s some logic in the recent Aetna purchase and some analysts like the stock those are two extraordinarily different companies. I had a small amount and finally dumped it.
by Murgatroyd
Sun Mar 24, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2068

Re: What golf ball do you use?

My eyes don’t track white balls in the air very well anymore. But I can see the orange ones. The best ball I ca find in orange is from Vice so I’m trying them this year. (Not a fan of Volvik)

https://www.vicegolf.com/us2/all-balls
by Murgatroyd
Sun Mar 24, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Chicagoland Bogleheads, please help! (Homebuying)
Replies: 29
Views: 2314

Re: Chicagoland Bogleheads, please help! (Homebuying)

The question is where work is located and how far you are willing to commute. If you can, you should consider Kane county where property taxes and housing values are about the best you can do in Chicagoland. We live in the St. Charles area and our property taxes have declined for the last 3 years. I...
by Murgatroyd
Sat Mar 23, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 3700

Re: Three Days in DC

If you’re on “the yard” in Annapolis there’s a really cool little museum that few know about. It traces the history of our navy since the revolution. They have an exhibit of miniature hand made wooden ships from the 1800’s that’s pretty amazing. Old swords too. It is probably only 30 or 40 minutes t...
by Murgatroyd
Fri Mar 22, 2019 6:01 pm
Forum: Personal Investments
Topic: Question on bond fund..
Replies: 6
Views: 513

Re: Question on bond fund..

You could switch to IUSB which is about 1/2% higher than AGG

https://www.ishares.com/us/products/264 ... ckerSearch
by Murgatroyd
Fri Mar 22, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: [Golf club] Driver for 18 handicap young senior.
Replies: 24
Views: 851

Re: [Golf club] Driver for 18 handicap young senior.

Has anybody tried the Cleveland Launcher HB driver? The reviews I've read really loved it for high handicappers. Ed, read the reviews for about any $300 to $500 driver and folks will say they love it. Why? Cognitive dissonance. “I just spent a fortune on this thing and I damn well better love it.” ...
by Murgatroyd
Thu Mar 21, 2019 4:45 pm
Forum: Personal Investments
Topic: Brokerage Differences
Replies: 17
Views: 857

Re: Brokerage Differences

FIL had an account at Morgan Stanley. When he passed DW asked me if we should just keep it there rather than combine with our Fidelity account. The analysis said no way. He had 4 accounts; a self directed with some oil, banks and utilities, an IRA that I think was self directed (did very poorly), a ...
by Murgatroyd
Wed Mar 20, 2019 8:44 am
Forum: Personal Investments
Topic: Input Needed on Dividend Portfolio
Replies: 26
Views: 1729

Re: Input Needed on Dividend Portfolio

Some people view divideds like salary. The only thing apparently missing in this list is utilities. So it looks to be more growth oriented.
by Murgatroyd
Thu Mar 14, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Son moving to Nashville TN area, any suggestions on where to live or avoid?
Replies: 15
Views: 1671

Re: Son moving to Nashville TN area, any suggestions on where to live or avoid?

Just a fun anecdote. We lived in Franklin, a suburb 20 minutes south of town from 1987 to 1996. When gathering with locals, I would slap a C note on the table and say it goes to whoever can identify where a recording is. Never paid it. Things are different today.
by Murgatroyd
Tue Mar 12, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6469

Re: Lawn care schedule

I am also outside of Chicago. I faithfully follow the Chicago Botanical garden recommendations found here https://www.chicagobotanic.org/plantinfo/checklist
by Murgatroyd
Sun Mar 10, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Getting an electronic copy of my legal docs and switching attorneys
Replies: 13
Views: 1402

Re: Getting an electronic copy of my legal docs and switching attorneys

Take your paper copies to kinkos and have them scanned for 20 bucks.

Next time ask the new lawyer to e-mail you scanned copies after signing.
by Murgatroyd
Sun Mar 10, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Car Depreciation
Replies: 9
Views: 789

Re: Car Depreciation

I think if you keep a car less than 10 years depreciation is a big issue. If you keep it over 10 you probably get your money’s worth. As said above higher prices drive higher depreciation. The more recent problem is the average cost of a new car is now like $37,000. Add to that most cars are far mor...
by Murgatroyd
Mon Mar 04, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 3642

Re: Convince aging parents to pay for snow removal

If you elect to buy a snow thrower bear in mind there are different drive systems. Make sure you buy one that drives each wheel INDEPENDENTLY. Otherwise the machine still requires manhandling. Because you either wind up with both wheels driving together with a locked axle, in which case it’s impossi...
by Murgatroyd
Fri Mar 01, 2019 3:23 pm
Forum: Personal Investments
Topic: Should I sell the bank stocks I [inherited] in 2006?
Replies: 24
Views: 1544

Re: Should I sell the bank stocks I [inherited] in 2006?

An important consideration is what % are they of your holdings? As a comparison, Financials are roughly 14% of the S&P 500.
by Murgatroyd
Thu Feb 28, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice in selling a business
Replies: 14
Views: 928

Re: Looking for advice in selling a business

You seem to be having a problem letting go. Others have mentioned downsides to maintaining 1/3 ownership. If you believe you are due some payback from projects in the hopper, then write them into a sale agreement. You should sell 100%. You are 68. What happens to your 1/3 stake if you get ill? You h...
by Murgatroyd
Tue Feb 26, 2019 2:28 pm
Forum: Personal Investments
Topic: Is it possible to set up automatic montly security sales in a Fidelity account?
Replies: 8
Views: 475

Re: Is it possible to set up automatic montly security sales in a Fidelity account?

I believe the key word under point #1 is ELIGIBLE. To probably mean only Fidelity brand funds.
by Murgatroyd
Thu Feb 21, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Answering income question in a survey
Replies: 35
Views: 2736

Re: Answering income question in a survey

If your name, address or email are also requested leave it blank. If not go right ahead. Simmons is an old highly reputable company.
by Murgatroyd
Mon Feb 18, 2019 7:24 pm
Forum: Personal Investments
Topic: Help with taxable account.
Replies: 8
Views: 791

Re: Help with taxable account.

Further to Kevin’s advice; Fidelity has an online tool to help you determine your objectives and general asset allocation. Here is the link https://www.fidelity.com/calculators-tools/planning-guidance-center I would suggest you work through it then either call their 800 number or make an appointment...
by Murgatroyd
Sat Feb 16, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Knowledge priorities for new investors
Replies: 12
Views: 1049

Re: Knowledge priorities for new investors

OP, I commend you for thinking deeply and broadly about investing. What you are intending is a tall order. Let me frame the challenge with my own background. I have a bachelors in marketing and MBA in finance from a couple of pretty good schools. I love business and trying to suss out company strate...