Search found 114 matches

by Rudedog
Sat Sep 21, 2019 9:44 am
Forum: Personal Investments
Topic: Anyone here has more 200k in a single stock ?
Replies: 21
Views: 1981

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

Microsoft is kicking butt and increasing dividends. Current CEO has revised the business, now its one of the heavyweights in cloud computing. You may want to consider selling some and locking in the gains, but, it wouldn't be unreasonable to hold it. Personally, I would never hold over 5% in one sto...
by Rudedog
Wed Sep 18, 2019 7:56 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 37
Views: 1929

Re: Investing in an apt complex through a real estate equity firm

You don't want to lock up your capital like this. Tell him no thanks and walk.
by Rudedog
Tue Sep 17, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4308

Re: Seasoned retirees...

Spend plenty of time with family, kids and grandkids. Also, a dog keeps you healthy and on your toes.
by Rudedog
Thu Sep 12, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4263

Re: Best Dog Car?

I haul my dog in my 1989 Camry. Every day. He can get mud all over it, slobber everywhere, shed, I don't care. We call it "The dog car". He's 13 1/2 years old, when he passes I guess we'll get rid of it.
by Rudedog
Thu Sep 12, 2019 6:19 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks in a Extremely low interest rate environment
Replies: 16
Views: 2324

Re: Dividend stocks in a Extremely low interest rate environment

I hold about 12 dividend paying stocks, my annual return is about 4.5%, I view that as better than a CD.
by Rudedog
Tue Sep 10, 2019 4:06 pm
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1383

Re: Tool to manage AA when investing?

I use Morningstar Portfolio X-ray, and X-ray interpreter.
by Rudedog
Mon Sep 09, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 3031

Re: no idea - bourbon

My wife uses Jim Beam for several dishes, and makes a frozen slushy drink with it, great !
by Rudedog
Mon Sep 09, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5247

Re: Retirees: Ever feel really lazy?

I try to do at least one thing per day, such as mow the grass, clean a bathroom, go to the grocery store, etc. The rest of the day I do what I feel like, play with grandson, walk the dog, drink a beer and watch baseball...............
by Rudedog
Tue Sep 03, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 4813

Re: Need to get a car in a hurry.

I had a Camry with leaking gas tank. Mechanic used some type of resin, on the outside of the tank, to plug the leak. That was several years ago, it hasn't leaked yet. He said, "Let's try this and see if it works." It worked. I still drive that car.
by Rudedog
Tue Sep 03, 2019 3:54 pm
Forum: Personal Investments
Topic: Mer. Lynch Buddy ... Bonds in Tax Account ... Stocks Only
Replies: 24
Views: 1656

Re: Mer. Lynch Buddy ... Bonds in Tax Account ... Stocks Only

Don't do business with friends, it will not end well. You'll get tired of paying for his vacations, children's college educations, new car every year, etc, etc.
by Rudedog
Mon Sep 02, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback issue
Replies: 38
Views: 3851

Re: Subaru Outback issue

Get a Toyota, man. I've owned several, great cars.
by Rudedog
Mon Sep 02, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 14163

Re: Best of Bogleheads - your #1 takeaway

Costs matter, keep costs low. Stay the course. Don't pay attention to the media and talking heads. If anyone says annuity, run the other way.
by Rudedog
Mon Sep 02, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig in Today's WSJ Discusses Target Retirement Funds
Replies: 54
Views: 7240

Re: Jason Zweig in Today's WSJ Discusses Target Retirement Funds

I don't use Target Date Retirement Funds, they are too conservative for me. However, a friend of ours swears by them, and I've talked to financial "advisors" who claim that they have many clients who use them.
by Rudedog
Mon Sep 02, 2019 9:17 am
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 61
Views: 7654

Re: Learnings/Regrets from last two recessions

Did nothing special, stuck to my plan, kept investing, I feel it worked out well. So, when the talking heads scream "recession", I don't pay much attention now.
by Rudedog
Fri Aug 30, 2019 3:39 pm
Forum: Personal Investments
Topic: Lump Sum vs Annuity
Replies: 15
Views: 804

Re: Lump Sum vs Annuity

Assuming 30 year payout, I get about 1 1/2 percent. So, you have to ask your self what are the odds I live more than 30 years ? If you think 30 years is about right, I'd take the lump sum. If you and your wife don't make 30 years, your beneficiaries will inherit whatever amount is left. Remember, in...
by Rudedog
Fri Aug 30, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Negotiating on this Specific Truck
Replies: 20
Views: 2066

Re: Negotiating on this Specific Truck

I generally include the sales tax and fees in my offer, such as" $ 35,000 out the door". Then I resist all their accessory and extended warranty offers, and write the check for $ 35,000. I buy Weathertech mats. Don't be afraid to walk, there are plenty of trucks for sale. What does one of these sell...
by Rudedog
Fri Aug 30, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3112

Re: Laser or inkjet

HP laserjet P2015, I generally print about 10 black & white sheets a day. One cartridge lasts a long time. Fast, quiet, reliable.
by Rudedog
Fri Aug 30, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Lawn Tractor Recommendations?
Replies: 26
Views: 1813

Re: Lawn Tractor Recommendations?

I believe the John Deere 100 series were the cheaper tractor, mostly sold at Lowe's and Home Depot. That being said, my neighbor has one that has to be 17 or 18 years old. John Deere makes good lawn tractors. I have a 17 year old John Deere, LT 160, still going strong, bought at a John Deere dealer....
by Rudedog
Thu Aug 29, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2579

Re: Maui Honeymoon Daily Spending Budget

Where do you visitors stay on Maui ? Hotels ? Condos ?
by Rudedog
Wed Aug 21, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 122
Views: 7994

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Tonight Dough, my favorite, but very expensive.
by Rudedog
Mon Aug 19, 2019 9:10 am
Forum: Personal Investments
Topic: newish investor driving myself crazy picking a bond fund...
Replies: 14
Views: 1322

Re: newish investor driving myself crazy picking a bond fund...

I use VBILX, I recommend you stay with it.
by Rudedog
Sun Aug 18, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage final payment
Replies: 31
Views: 3667

Re: Mortgage final payment

Congrats !!!! Be sure to get that release of lien from the County that Watty referred to, keep a copy with the payoff letter from the bank. Around here the County has a fee for an "official copy" but I gladly paid it as I wanted a copy of the release.
by Rudedog
Sat Aug 17, 2019 7:43 am
Forum: Personal Investments
Topic: Plan for my mom
Replies: 30
Views: 2323

Re: Plan for my mom

Good for you for being willing to help her, many children would not, speaking from experience with my Mom and my sister.
by Rudedog
Fri Aug 16, 2019 5:20 am
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4091

Re: Headache buying new minivan

Sienna is the vehicle of choice, our 2007 Sienna is still running great, but you won't go wrong with either one.
by Rudedog
Fri Aug 16, 2019 5:07 am
Forum: Personal Investments
Topic: Social Security Widow(er) Benefit Question
Replies: 6
Views: 917

Re: Social Security Widow(er) Benefit Question

Friend of my wife just went through this. Her husband was 3 years younger than her. At her full retirement age, she received his social security benefit, in this case the max. She had claimed her benefit when she turned age 62, so she received the lower benefit until she was full retirement age.
by Rudedog
Wed Aug 14, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5547

Re: "Negotiating" Salary

My daughter was offered $ 32,000 to work for University of Wisconsin, lab work. She was able to negotiate it up to $ 45,000. Employer had a salary range and offered her the bottom amount. By the way, she lasted one year in that job, moved, and negotiated a $ 10,000 raise. That means a lot for a pers...
by Rudedog
Wed Aug 14, 2019 9:55 am
Forum: Personal Investments
Topic: Tell me about TD Ameritrade
Replies: 21
Views: 1565

Re: Tell me about TD Ameritrade

I've used TD for several years, came over from Scottrade merger. They do have two-factor authentication, I use it every time I sign on. I have no complaints. I have about a dozen individual stocks in my account, dividend payers, I may trade five times a year, no issues.
by Rudedog
Mon Aug 12, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 15709

Re: [Vanguard price glitches, incorrect market info for August 12, 2019]

Have a drink. Check it in the morning.........
by Rudedog
Thu Aug 08, 2019 1:27 pm
Forum: Personal Investments
Topic: Just Inherited First Financial Bankshares
Replies: 6
Views: 486

Re: Just Inherited First Financial Bankshares

Does the bank pay dividends ? What is the per share value of the stock ?
by Rudedog
Tue Aug 06, 2019 5:05 pm
Forum: Personal Investments
Topic: Divorce: itemizing and TLH
Replies: 7
Views: 794

Re: Divorce: itemizing and TLH

The spouse who owned the account with the tax loss carryforward would keep those losses. That should be stated in the divorce settlement agreement. Regarding the mortgage interest deduction, the IRS would probably trace the deduction back to the person or persons who made the payments, and the perso...
by Rudedog
Mon Aug 05, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"
Replies: 54
Views: 7483

Re: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"

on my advice, my daughter recently set up a Vanguard rollovere IRA account, a Vanguard 401K account and a Vanguard 403B account for a different employer. She said the Vanguard rep who she talked to on the phone was very nice and very helpful, and she had the accounts set up with no problem.
by Rudedog
Fri Aug 02, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: my toyota camry transmission life time garantee test
Replies: 14
Views: 1483

Re: my toyota camry transmission life time garantee test

I drive a 1989 Toyota Camry every day. Its a great car !!!
by Rudedog
Mon Jul 29, 2019 10:10 am
Forum: Personal Investments
Topic: Advice on taking a draw from Vanguard accounts
Replies: 8
Views: 1004

Re: Advice on taking a draw from Vanguard accounts

Agree, just get a good idea of the income tax you will have to pay.
by Rudedog
Mon Jul 29, 2019 10:07 am
Forum: Personal Investments
Topic: Child Care Flex Spending Accout
Replies: 12
Views: 652

Re: Child Care Flex Spending Accout

My daughter's employer (big company) has January 1 entry date for their flex spending plan, so, she can not participate for 2019 since she had the baby in March. Check with HR about plan entry date. Effective January 1, 2020,she can put up to $ 2,600 into the plan for 2020. I think that is about one...
by Rudedog
Sat Jul 27, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6531

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

Get a dog. My terrier mix weighs 50lbs, has a loud bark and hates strangers. Local policeman told me, if a criminal hears that bark, he'll move on to an easier house. I don't mind when he barks, that's his job.
by Rudedog
Fri Jul 26, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 4873

Re: Accord approaching 100k miles, how to push it beyond

1989 Camry--I drive it every day. Car is 30 years old. I perform maintenance as recommended in manual and by dealer. Getting hard to find parts. Paid $ 3,000 for that car in 2002. I'd say I've gotten my money's worth out of it.
by Rudedog
Sun Jul 21, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3051

Re: Cruise advice?

Have a great cruise.
by Rudedog
Sun Jul 14, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2926

Re: Should I Buy a Motorcycle?

I have a Harley, riding it really is dangerous. I always wear a helmet and I don't ride at night and I try to stay off the highways. The only time you can relax a little is on a country road with no other traffic. Don't buy a new bike, plenty of good used ones out there. Don't even think about takin...
by Rudedog
Sun Jul 14, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 2721

Re: Standard Car Key Battery Life for Late Model Vehicles

They told me at the dealership that for the newer cars, the key fob is constantly transmitting to the car, so they batteries generally last two years or so. My Harley motorcycle is the same way. They are easy to change.
by Rudedog
Sat Jul 13, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 145
Views: 7893

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Just retired from accounting career, I was a CPA for over 40 years, also passed CMA exam. Most firms start accountants with masters degree at $ 55,000 to $ 60,000, plus some over time "bonus". I worked in public accounting, the hours January 1 to April 15 can run from 60 hours per week to 75 or 80 p...
by Rudedog
Thu Jul 11, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 70
Views: 8523

Re: Survived the First Week [of retirement, what's next?]

If you want to be a contractor, do it ! I still work part-time, maybe 150 to 200 hours per year. I make a little cash and stay busy. Word of warning, the retirees with substantial pensions can't believe anyone would do that.
by Rudedog
Thu Jul 11, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Question
Replies: 14
Views: 1709

Re: Estate Question

For my Mother's estate two years ago, the Estate stayed open for about a year. During that time we paid all the bills from the estate, also filed her final individual income tax returns and paid income tax due. After a year, when we had paid all bills received, and we knew of no other expenses, the ...
by Rudedog
Tue Jul 09, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9096

Re: Who cuts your hair? And for how much?

Local barber I've gone to for 35 years. $ 15, I give him a $ 20. He is retiring at the end of this year, after that I may just shave my head, not much hair left on top.
by Rudedog
Tue Jul 09, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 11251

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

You see people in this situation in nursing homes, generally an adult grandchild, niece or nephew helps with these matters. Believe it or not, I have seen former neighbors or younger friends look out for the elderly also. In a few cases, a CPA or attorney they had worked with for years does it.
by Rudedog
Sat Jul 06, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Elderly grandparents moving in with parents; what should they plan for?
Replies: 63
Views: 5122

Re: Elderly grandparents moving in with parents; what should they plan for?

God bless your parents for offering to help their parents. I've been in this situation, some observations: The siblings who live far away will not be visiting much. They'll talk a good game, but they won't be dependable. My sister lived 50 miles away, she acted like it was 500 miles, maybe visited f...
by Rudedog
Sat Jul 06, 2019 10:57 am
Forum: Personal Investments
Topic: Alternatives to CD laddering as rates decrease
Replies: 22
Views: 2875

Re: Alternatives to CD laddering as rates decrease

Check out Fed Farm Credit Bank notes, you can buy them on Vanguard Brokerage account as Federal agencies. Rates are competitive, although the new issues may be for longer time period than you desire, you can always buy and sell on the secondary market. Also, I have put maturing Cds into six-month T-...
by Rudedog
Wed Jul 03, 2019 3:33 pm
Forum: Personal Investments
Topic: Question for the 5%...Anyone buying any individual stocks?
Replies: 51
Views: 4583

Re: Question for the 5%...Anyone buying any individual stocks?

I have about a dozen dividend-paying individual stocks in a TD Ameritrade account. I let the dividends accumulate and take them to my checking account once a year. I don't trade much, although I just sold my Microsoft when it reached $ 135. None of the FAANG stocks. No Amazon, no Apple, no Facebook,...