Search found 167 matches

by ronno2018
Fri Nov 29, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Nose Surgery- Half for functionality/half cosmetic
Replies: 7
Views: 1073

Re: Nose Surgery- Half for functionality/half cosmetic

My DW had internal nose surgery for avoiding sinus infections and she was happy with the results (was done in the 1980's and I think they are better at that type of surgery now). As for the cosmetic aspect I think you should go for it if you are confident in the surgeon and there are other examples ...
by ronno2018
Wed Nov 27, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 83
Views: 4190

Re: Honda Lane keep assist

We love it on our Kia Niro hybrid, other assist features are awesome.

Car manufacturers should be required to standardize the names of these features though! https://www.consumerreports.org/car-saf ... ing-names/
by ronno2018
Sun Nov 24, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 287
Views: 78677

Re: Found hidden safe, should we crack?

I think if you can promote it on youtube.com you will get a lot of views which could pay for the safe opening cost? 1m views = $3000 in revenue I think. Or get a $220 plasma cutter? https://www.amazon.com/gp/product/B078K5SF27/ref=as_li_ss_tl?ie=UTF8&psc=1&linkCode=sl1&tag=bptwelding-20&linkId=3b182...
by ronno2018
Sun Nov 24, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 369
Views: 34888

Re: Follow Up: Husband's Surprise Debts

I really wanted to comment in that last thread, but in the end I just wish the both of you the best.

There was some remarkable advice given and I like the path you have chosen.
by ronno2018
Thu Nov 21, 2019 8:23 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 281
Views: 19287

Re: Customer Service with Vanguard

I got great customer service from Vanguard recently. I moved to them from Wells Fargo Advisors and the transition was seamless. I did have to call regarding the inherited IRA account transfer, but it was a short conversation with a customer support rep to take down account details.
by ronno2018
Thu Nov 21, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Home answering system that doesn't record blank messages
Replies: 10
Views: 695

Re: Home answering system that doesn't record blank messages

If you switch to a voice over IP service you will have better options. I use Google Voice for voicemail and it transcribes what people say and emails me.

https://www.howtogeek.com/136959/how-to ... l-forever/
by ronno2018
Mon Nov 18, 2019 4:13 pm
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 2132

Re: Not a bad choice for your EM equity exposure (EYLD)

That is interesting. I am so sad about VWO. It is just sits there and does nothing at all. In theory there should be awesome growth from emerging markets. Unfortunately I think there is just too much corruption and malfeasance, lack of good governance, stability, in all EM. Maybe you can make it wo...
by ronno2018
Mon Nov 18, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 2935

Re: Alternatives to VOIPo?

You should port over to voip.ms, they have been excellent. That being said I am contemplating porting my numbers to Google voice just for some cost savings/simplicity and since I don't use those lines hardly ever.
by ronno2018
Fri Nov 15, 2019 11:58 pm
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 2132

Re: Not a bad choice for your EM equity exposure (EYLD)

That is interesting. I am so sad about VWO. It is just sits there and does nothing at all. In theory there should be awesome growth from emerging markets. Unfortunately I think there is just too much corruption and malfeasance, lack of good governance, stability, in all EM. Maybe you can make it wor...
by ronno2018
Tue Nov 12, 2019 6:08 pm
Forum: Personal Investments
Topic: Anyone ever appeal their Wells Fargo Advisors termination fee?
Replies: 10
Views: 1203

Re: Anyone ever appeal their Wells Fargo Advisors termination fee?

Long time WFA customer but now moving accounts to Vanguard. Termination fees are $95 times four accounts. I guess I should be happy with all the free trades they gave me over the years? :sharebeer Somehow, I'm not surprised... My Wells Fargo story... Not that you asked... I sold a car for $10,000. ...
by ronno2018
Tue Nov 12, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Would you buy a Galaxy S9 now?
Replies: 31
Views: 1891

Re: Would you buy a Galaxy S9 now?

I would go for https://store.google.com/us/product/pixel_3a for the same price.
by ronno2018
Thu Nov 07, 2019 1:41 pm
Forum: Personal Investments
Topic: Anyone ever appeal their Wells Fargo Advisors termination fee?
Replies: 10
Views: 1203

Re: Anyone ever appeal their Wells Fargo Advisors termination fee?

Maybe this is too much work, but if you move to Fidelity they will reimburse your transfer fees. I just moved from WF to Fidelity. And if you're still sold on moving to Vanguard, you can do that for free from Fidelity. Thanks for the idea! A bit too late and I find the process sort of stressful so ...
by ronno2018
Thu Nov 07, 2019 1:06 pm
Forum: Personal Investments
Topic: Anyone ever appeal their Wells Fargo Advisors termination fee?
Replies: 10
Views: 1203

Anyone ever appeal their Wells Fargo Advisors termination fee?

Long time WFA customer but now moving accounts to Vanguard. Termination fees are $95 times four accounts.

I guess I should be happy with all the free trades they gave me over the years? :sharebeer
by ronno2018
Wed Nov 06, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Going small on a Windows PC
Replies: 17
Views: 1408

Re: Going small on a Windows PC

I bet those are great choices. Do you need Windows apps? The Chromeboxes are quite nice and maintenance free. The Asus 3-N019U is a good one. We have Dell Windows PC's at work similar to this one and they are quite good -- https://www.amazon.com/Dell-9020-Bluetooth-Certified-Refurbished/dp/B07B8XGRR...
by ronno2018
Fri Nov 01, 2019 5:55 pm
Forum: Personal Investments
Topic: Question on capital gains on selling a mutual fund
Replies: 9
Views: 958

Re: Question on capital gains on selling a mutual fund

You might want to review your cost basis data. There are several ways to calculate cost basis, but if you want to use Specific Lot ID, make sure that that is the one chosen for your Fidelity fund. I no longer have equity funds in a taxable account at Fidelity, but up until last year (when I sold my...
by ronno2018
Fri Nov 01, 2019 11:23 am
Forum: Personal Investments
Topic: Question on capital gains on selling a mutual fund
Replies: 9
Views: 958

Re: Question on capital gains on selling a mutual fund

Fidelity has the numbers correct. The cost basis can be calculated easily (though it is also available through Fidelity.com) as Current_Value - $17,000. However since some of the purchased shares are non-covered and it is likely that Average Cost is used and some of the shares are probably short-te...
by ronno2018
Thu Oct 31, 2019 4:40 pm
Forum: Personal Investments
Topic: Question on capital gains on selling a mutual fund
Replies: 9
Views: 958

Re: Question on capital gains on selling a mutual fund

thank you! Very helpful observations.
by ronno2018
Thu Oct 31, 2019 12:13 pm
Forum: Personal Investments
Topic: Question on capital gains on selling a mutual fund
Replies: 9
Views: 958

Question on capital gains on selling a mutual fund

I only have had one taxable since 2006 -- FFNOX, and it has done well I think. Report column headings are "Unrealized capital gain" and "client investment gain/loss" unrealized is $17K and investment gain/loss is $26K. My assumption is some taxes have been paid on dividends since purchased (26K-17K?...
by ronno2018
Thu Oct 03, 2019 9:15 pm
Forum: Personal Investments
Topic: 75 year old widow (my mom) retirement portfolio suggestions, RMD's - 2.35M assets
Replies: 25
Views: 2177

Re: 75 year old widow (my mom) retirement portfolio suggestions, RMD's - 2.35M assets

She will likely easily make it to 87+ years hopefully. I am glad she was a teacher. What a fine career choice. Are there many heirs? What charities does she want to give to? I think you need something super simple and cheap like Vanguard PAS. Or something lower cost. Do this -- Cash 0.8% Int'l Bonds...
by ronno2018
Thu Sep 26, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Overpaid for my house, next options?
Replies: 53
Views: 9010

Re: Overpaid for my house, next options?

I also overpaid. You forget about it. What's done is done and it shouldn't affect future decisions in regards to this house. On the other hand, my wife was ready to kill me in my sleep if we didn't get the place, so perhaps I didn't overpay. I can relate to the wife wanting something and you cave! ...
by ronno2018
Thu Sep 26, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 4368

Re: Suggestions for good leather shoe?

No idea but I loved this guys youtube channel I saw the other day -- https://www.youtube.com/watch?v=7f0VkmdAKMQ

I am a big fan of allbirds.com but they are wool not leather (and very casual looking)! :sharebeer
by ronno2018
Thu Sep 26, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating a stepped up basis after spouse passes
Replies: 6
Views: 619

Re: Calculating a stepped up basis after spouse passes

Looking around the web I see two methods mentioned to demonstrate the stepped up basis 1) a retroactive appraisal done by a real estate appraiser, and 2) "in lieu of a valuation, a licensed real estate agent familiar with the market region was asked to supply a letter giving an approximate valuation...
by ronno2018
Sat Sep 21, 2019 8:23 pm
Forum: Personal Investments
Topic: Anyone here has more 200k in a single stock ?
Replies: 58
Views: 9063

Re: Anyone here has more 200k in a single stock ?

You should sell to get it below 3% of your holdings. "Single stock holdings over 3% increase portfolio risk, even if the companies are perceived as safe. Positions greater than 7% are considered especially risky." Or at least according to the personalcapital.com investment checkup tool I like to use...
by ronno2018
Thu Sep 19, 2019 2:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
Replies: 85
Views: 7993

Re: Vanguard said to offer Digital Advisory Service

I just think compared to a fee service many people in simple tax situations and with not too many assets can just read the wiki's here and use various online tools to get good enough portfolios. But many people are not interested in learning and understanding and would definitely benefit from a fair...
by ronno2018
Thu Sep 19, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 36
Views: 3908

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

Office where I work just got some items from https://www.dwr.com/living-sofa-and-sle ... lang=en_US

Might be worth it to spend a bit more?
by ronno2018
Mon Sep 16, 2019 3:54 pm
Forum: Personal Investments
Topic: Rebalancing an Inherited IRA
Replies: 19
Views: 1231

Re: Rebalancing an Inherited IRA

I have a much smaller inherited IRA and I sold all the high fee funds and went with low cost total market, alternative and bond ETFs. Prior to that I sold several good performing individual stocks I inherited and did the same asset re-allocation. Happily so far performance has been great. I moved mo...
by ronno2018
Mon Sep 16, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3453

Re: Used Tesla S or new Tesla 3?

I like the look of all the Teslas but I think the Model 3 is the best looking, I also agree with paying more for a rarer exterior color (red actually). :sharebeer
by ronno2018
Fri Sep 13, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: High-dollar Plumbing Issue Decision
Replies: 21
Views: 3164

Re: High-dollar Plumbing Issue Decision

I think the quote for $6000 must be per building, but if so $24,0000 total would be a good deal. Call and talk to the low bidder to confirm they understand the scope. Or maybe they are intending to line the pipes in lieu of replacement? https://www.trenchless-pipelining.com/slip-lining-cast-iron-sew...
by ronno2018
Fri Sep 13, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4406

Re: Best Leaf Blower?

Get an electric one. those 2 stroke engines are terrible for the planet. https://www.washingtonpost.com/national ... story.html
by ronno2018
Fri Sep 13, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 43
Views: 2834

Re: Laptop for aging parents

Chromebooks work fine with hot spots. Are there any Windows apps they definitely need? How about printing and scanning? https://www.walmart.com/ip/Acer-CB3-532-C47C-15-6-Chromebook-Chrome-OS-Intel-Celeron-N3060-Dual-Core-Processor-2GB-RAM-16GB-Internal-Storage/54518466 a couple of these at $149 each...
by ronno2018
Fri Sep 06, 2019 11:38 pm
Forum: Personal Investments
Topic: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI
Replies: 14
Views: 1928

Re: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI

That was likely a fine move; definitely BHish. I sold my last shares of a single stock this year, also; in the same general industry. MS's X-ray shows more of J&J in my portfolio indexes than my vehicles are worth. :shock: Did not realize it was so big! that morningstar x-ray looks interesting. i w...
by ronno2018
Fri Sep 06, 2019 11:31 pm
Forum: Personal Investments
Topic: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI
Replies: 14
Views: 1928

Re: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI

Did you plan for the tax bill? I didn't when I sold my JNJ a few years ago when they faced billions in govt fines and lawsuits. The wife was unhappy I sold. happy wife, happy life, as they say. you are lucky she is paying attention to such things from my perspective as a married person who tends to...
by ronno2018
Fri Sep 06, 2019 11:28 pm
Forum: Personal Investments
Topic: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI
Replies: 14
Views: 1928

Re: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI

Inherited them in 2006, and they did fine, I am just paranoid about possible medical class action lawsuits. I sat on the proceeds for two days trying to determine if my asset allocation should change to something more conservative. I concluded I should wait for the market to go down a bit and then ...
by ronno2018
Fri Sep 06, 2019 11:26 pm
Forum: Personal Investments
Topic: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI
Replies: 14
Views: 1928

Re: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI

Made $6 today with the trade... :beer $6 ?? As I sold individual stocks over the past year I reinvested into stocks/bonds/alternatives on days I thought i was getting a good deal relative to where the market had been. It is just a game, as the holdings will be long term. Anyway I bought VTI today a...
by ronno2018
Fri Sep 06, 2019 11:23 pm
Forum: Personal Investments
Topic: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI
Replies: 14
Views: 1928

Re: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI

bluquark wrote:
Fri Sep 06, 2019 6:08 pm
Did you plan for the tax bill?
Yes, I did -- just have to think about harvesting a loss this year or next as I unwind other single stocks. But the long term capital gains will not be too bad.
by ronno2018
Fri Sep 06, 2019 5:57 pm
Forum: Personal Investments
Topic: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI
Replies: 14
Views: 1928

I sold my Johnson and Johnson and Eli Lilly stock, bought VTI

Inherited them in 2006, and they did fine, I am just paranoid about possible medical class action lawsuits. I sat on the proceeds for two days trying to determine if my asset allocation should change to something more conservative. I concluded I should wait for the market to go down a bit and then b...
by ronno2018
Tue Aug 27, 2019 3:47 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27781

Re: VTIAX International fund - should I give up on it?

You should stay in it long term. The diversity is valuable. I will stick with an asset allocation of 19.2% international stocks (mostly VEU) and 4.2% international bonds (BNDX). Good luck! :sharebeer
by ronno2018
Sun Aug 18, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Ethernet, MoCA, House Wiring
Replies: 24
Views: 2176

Re: Ethernet, MoCA, House Wiring

A cheap continuity or tone and probe tester will help map out connections -- https://www.amazon.com/Steren-Coax-Cable-Continuity-Tester/dp/B000GDDPRG/ref=sr_1_1?ie=UTF8&qid=1372435675&sr=8-1&keywords=coax+line+tester https://www.amazon.com/Noyafa-D3IN0004-Network-Telephone-Identifier/dp/B00F5W9GLW/r...
by ronno2018
Sat Aug 17, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 19975

Re: Selective Colleges

Good essay, I especially like the parenting suggestions. You might consider mentioning the Washington Monthly school ratings as they have some unique screens/filters -- Since 2005, the Washington Monthly has ranked colleges based on what they do for the country. It’s our answer to U.S News & World R...
by ronno2018
Wed Aug 07, 2019 2:02 pm
Forum: Investing - Theory, News & General
Topic: Staying the AA course even in market extremes?
Replies: 22
Views: 1513

Re: Staying the AA course even in market extremes?

Google "Valuation-Based Tactical Asset Allocation" or see the thread here -- https://www.bogleheads.org/forum/viewtopic.php?t=280067 and probably elsewhere. I think you need to have a policy on what you want to accomplish. Does it make sense in regards to where you are in life? I think it is OK to a...
by ronno2018
Thu Aug 01, 2019 11:10 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Least expensive place to mass register domains, decide which I want to keep, then transfer
Replies: 24
Views: 2668

Re: Least expensive place to mass register domains, decide which I want to keep, then transfer

You have the names now and want to transfer? I am happy with https://domains.google/#/ but if you just want to park them and wait I suppose there are better places and cheaper than $12 per year per domain. Can't beat Google infrastructure though.
by ronno2018
Thu Aug 01, 2019 10:57 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Complacency
Replies: 77
Views: 6659

Re: Boglehead Complacency

everyone knows an 80 handle drawdown is what a farmer does with manual water pump -- https://youtu.be/gbfL1SlOgZc

stock market went down about 40 gallons... :sharebeer
by ronno2018
Wed Jul 31, 2019 4:50 pm
Forum: Non-US Investing
Topic: US investor buying house in London: sell stock and use cash or get mortgage?
Replies: 29
Views: 1929

Re: US investor buying house in London: sell stock and use cash or get mortgage?

Really seems tied to where in life you are - age, years to retirement, which country you want to retire in, where your kids will want to live. If you plan to be in the house for several years that always helps when buying. I always sort of wonder about home equity and where it sits vis a vis retirem...
by ronno2018
Fri Jul 26, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help me convince the board that our company needs a budget!
Replies: 13
Views: 869

Re: Help me convince the board that our company needs a budget!

When you arrive at a new job and have some ambition and intelligence it can be hard to accept the status quo. There are strategies to make change happen -- this book might help -- https://hbr.org/2016/11/5-mistakes-employees-make-when-challenging-the-status-quo https://www.amazon.com/Rebels-Work-Han...
by ronno2018
Thu Jul 25, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Way out of financial catastrophe?
Replies: 80
Views: 11587

Re: Way out of financial catastrophe?

Is this in an earthquake area? Really seems like you need to talk to the bank and or alternative lenders. Do you like your neighbors and intend to live in the house for several more years? Are your expenses under control? Your salaries are awesome I think you need to stay in the house, live frugally...
by ronno2018
Wed Jul 24, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Creative, "outside the box" to lower auto expenses?
Replies: 63
Views: 3884

Re: Creative, "outside the box" to lower auto expenses?

I see a lot of electric cargo bikes in my town now, plenty of them with kids seated in the back. https://www.bicycling.com/bikes-gear/a25054215/best-cargo-bikes/ this one is a budget model -- only $1499 https://www.radpowerbikes.com/products/radwagon-electric-cargo-bike City is building a fair amou...
by ronno2018
Mon Jul 22, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Creative, "outside the box" to lower auto expenses?
Replies: 63
Views: 3884

Re: Creative, "outside the box" to lower auto expenses?

I see a lot of electric cargo bikes in my town now, plenty of them with kids seated in the back. https://www.bicycling.com/bikes-gear/a25054215/best-cargo-bikes/ this one is a budget model -- only $1499 https://www.radpowerbikes.com/products/radwagon-electric-cargo-bike City is building a fair amoun...
by ronno2018
Mon Jul 22, 2019 1:19 am
Forum: Personal Investments
Topic: options in wellsfargo/wellstrade for higher yields
Replies: 4
Views: 382

Re: options in wellsfargo/wellstrade for higher yields

yes, they used to have better system that was pretty automated but they saw an easy way to make more money from their customers, so now you have to manually buy VCSH or something similar to get any sort of temporary return on sale proceeds. I guess it encourages rebalancing immediately? Really is so...
by ronno2018
Mon Jul 22, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: 2019 Honda Fit - Anyone experiencing horrific whistling sound when front windows open >45mph?
Replies: 35
Views: 2460

Re: 2019 Honda Fit - Anyone experiencing horrific whistling sound when front windows open >45mph?

wait a second - the mechanics drove your car 150 miles while testing the whistling sound? That is absurd, you need to talk to their manager.
by ronno2018
Thu Jul 18, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 7723

Re: Is good, quality luggage worth the price?

I keep wanting to get a better travel backpack, but https://www.amazon.com/AmazonBasics-Car ... 4H2K0?th=1 seems to hold up so well. Sweden, Australia, and soon Spain and Israel trips...