Search found 750 matches

by retire2022
Tue Jun 18, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 85
Views: 6846

Re: Does money/lack of money preoccupy you?

all average persons in USA saves 92K see latest article https://finance.yahoo.com/news/apos-average-worker-saved-401-210000796.html americans are in denial, and don't save, it will impact all of us. I think it is responsibility of all of us to share knowledge to our friends on personal level. I have...
by retire2022
Tue Jun 18, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: iPhone 6s buzzing
Replies: 7
Views: 431

Re: iPhone 6s buzzing

op it could also be the switch on left side, when it is engaged, you will see orange paint, thus silence and vibrate only, slide it back without seeing orange paint and it will ring.
by retire2022
Mon Jun 17, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: GPS Watch for tracking dementia patient
Replies: 11
Views: 841

Re: GPS Watch for tracking dementia patient

op I don't have first hand experience in this, but initial search on Amazon, found this device, I am sure the technology is very similar to ankle trackers. there are 3600 reviews, and I'm sure there is reasonable return policy: https://www.amazon.com/Spy-Tec-Portable-Personal-Vehicle/dp/B00JG8KCLO/r...
by retire2022
Mon Jun 17, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4009

Re: My Bad Experience With Angie's List

BTW, in my smallish town I've had no luck with neighbor's recommendations. Turns out people recommend their friends and relatives. My neighbor’s nephew is one of the GCs i asked to redo the roof, my neighbor did not recommend him nor did he follow up in regards to what I really needed. Silence was ...
by retire2022
Sun Jun 16, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4009

Re: My Bad Experience With Angie's List

I found the social media sites were worthless for my vacation home in an rural area less than 3000 people, where cell service is less than stellar (open signal.com will allow for visual service areas where contractors could call back) people don't know how to say no, we are not interested, or call b...
by retire2022
Sat Jun 15, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Modular Homes-Advice?
Replies: 7
Views: 1238

Re: Modular Homes-Advice?

Hi folks, I'm thinking of buying a prefab house in a year or two and wanted the advice of people who had bought one. 1. Is the home you bought good quality? Are there any companies I should consider? I have not started this endeavor yet. I have a existing house I would like to grandfather the Certi...
by retire2022
Sat Jun 15, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 86
Views: 8015

Re: How safe are pensions in the U.S.?

All my understanding cities like Detroit and states are different bond ratings, where as the former (cities) are riskier and less regulated than states.

Could someone explain this further?
by retire2022
Sat Jun 15, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 66
Views: 3934

Re: IPhone 6 - showing some age

Thanks all and op for bringing this topic up most useful, I was thinking of replacing my IPhone 6 with 6s since I have Walmart Straight Talk plan.

The new IPhone 6s is $149 but to hear ISO 13 coming out in the fall i just wait and see if i am able to pick up a 7 less in the near future.
by retire2022
Wed Jun 12, 2019 5:51 pm
Forum: Personal Investments
Topic: Asset allocation for those in their late fifties
Replies: 35
Views: 3597

Re: Asset allocation for those in their late fifties

I'm 58, 93% equities, 6% bonds
by retire2022
Sun Jun 09, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: 240v inverter generator?
Replies: 9
Views: 836

Re: 240v inverter generator?

most emergency generators run on diesel or propane, esp in rural areas, local installer/dealer should recommend for your need, a friend of mine live in rural community 69 acres has Generac http://www.generac.com/all-products/generators/home-backup-generators#?cat=6&cat=214&cat=217&cat=249 I concur g...
by retire2022
Sun Jun 09, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Anyone recommend a cheap cell phone service for text and calls?
Replies: 24
Views: 2027

Re: Anyone recommend a cheap cell phone service for text and calls?

Walmart Straight Talk run by Total wireless https://www.walmart.com/browse/cell-phones/straight-talk-phone-plans/1105910_3253219_1045119_1225527 or https://www.walmart.com/search/?query=total%20wireless%20phones%20plans&typeahead=total%20wireless%20phones you buy your own phone and you pay for your ...
by retire2022
Sat Jun 08, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 148
Views: 20696

Re: Trader Joe's Fans - good value?

all everyone should check Lidl out if you have not, it is like a bigger Aldi I went today, pineapple is $1.09. I am curious what your impressions are,compared to Trader Joe & Aldi, here is their link. https://www.lidl.com/ locations seem to follow the Appalachian Trail :) https://www.lidl.com/stores...
by retire2022
Fri Jun 07, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Bee removal
Replies: 13
Views: 943

Re: Bee removal

it cost me $2000 for the bee remover to take siding away and wax. Hmmm. I would strongly consider offering the bees a lease. They probably wouldn't be interested. Lead paint gives them hives. yuk yuk There were also three squatters on the property as well, gave two of them a happy meal and they lef...
by retire2022
Fri Jun 07, 2019 11:16 am
Forum: Personal Investments
Topic: $1.5M - My investment plan, Your advice/suggestions
Replies: 17
Views: 3980

Re: $1.5M - My investment plan, Your advice/suggestions

I have a little bit more than you and spread it over three brokerage houses not because of any defaulting fear, but I because I move money around every year to get the transfer bonuses. TravelforFun [/quote] Do many people do this, i.e., chase transfer bonuses. Is it worth the effort? How much are ...
by retire2022
Fri Jun 07, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Bee removal
Replies: 13
Views: 943

Re: Bee removal

I just paid $200 to have a bee hive removed from an irrigation valve box. Shell921, that is cheap, I brought a vacant derelict house and as caution in order to prevent injury or scaring away contractors it cost me $2000 for the bee remover to take siding away and wax. Since I was not there, not sur...
by retire2022
Fri Jun 07, 2019 4:41 am
Forum: Personal Investments
Topic: Spreadsheet or math help needed. [Timing when to buy]
Replies: 9
Views: 1239

Re: Spreadsheet or math help needed. [Timing when to buy]

I like to buy the dips but can't fugue out if I would have done better buying all at once. Is there a formula or spreadsheet program that can figure out which would have been better? :confused JGBankerton What I have done in the past is used Morningstar Portfolio Manager (MPM) and Stockmaster APP t...
by retire2022
Thu Jun 06, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: How to pay electrician
Replies: 38
Views: 3455

Re: How to pay electrician

OP

The electrician could invoke a Mechanics Lien for failure to pay for services rendered will possibly hold sale of your property, do you have access to legal services? I would consult an attorney.
by retire2022
Thu Jun 06, 2019 9:13 pm
Forum: Personal Investments
Topic: $1.5M - My investment plan, Your advice/suggestions
Replies: 17
Views: 3980

Re: $1.5M - My investment plan, Your advice/suggestions

op 1 million in Vanguard will allow for Flagship services, if you were not aware: https://investor.vanguard.com/investing/benefits/flagship Investing with Vanguard Flagship Services You'll get the help and services you need to support a large investment portfolio. Investors with $1 million to $5 mil...
by retire2022
Wed Jun 05, 2019 9:48 pm
Forum: Investing - Theory, News & General
Topic: Is an active mutual fund ever appropriate?
Replies: 21
Views: 1775

Re: Is an active mutual fund ever appropriate?

I’ve always steered clear from active funds and have s very nicely balanced portfolio of index funds. Lately I’ve been thinking of taking a little more risk and investing some extra cash into an active fund. I know most Bogleheads forsake these funds, but surely it can be appropriate given ones par...
by retire2022
Wed Jun 05, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Yet Another Housing Thread (Gut Check)
Replies: 28
Views: 2114

Re: Yet Another Housing Thread (Gut Check)

Agree with other posters not to buy a house with a boyfriend/girlfriend. Have a friend in this situation. Relationship ended. Can’t get what they paid for the house, but one party won’t agree to selling for less. Neither has the cash to buy the other out. Trying to co-exist in same house as neither...
by retire2022
Wed Jun 05, 2019 7:12 pm
Forum: Personal Investments
Topic: Where to park Real Estate commission
Replies: 2
Views: 336

Re: Where to park Real Estate commission

If my wife and I max out our Roth IRAs each year and our 403(b) accounts, what can I do with all of my real estate commission? I know to place some away for taxes, but I don't know what options I have for the rest. Is there a pre-tax shelter I can use? I have 3 deals closing soon that will bring in...
by retire2022
Wed Jun 05, 2019 6:10 pm
Forum: Personal Investments
Topic: How aggressive is your AA? Can you help me with mine?
Replies: 19
Views: 2238

Re: How aggressive is your AA? Can you help me with mine?

Op I concur that having a gov't job is a ballast against the market, what is your cash flow like otherwise? I recently brought 6.7% of my entire portfolio 190 @ 487 shares (92k) Vanguard Information Technology Fund ETF ( VGT) https://www.morningstar.com/etfs/ARCX/VGT/quote.html I would reduce the Va...
by retire2022
Wed Jun 05, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21574

Re: Selling home- Demanding Buyer (Repairs)

Now we have an inspection of our septic system and it fails, In your locale, are you permitted to sell a home with a failed septic system? If so, I'd offer some money but let the buyer coordinate the fixes. In my locale, you cannot sell a home with a failed septic system. You must fix it first. I h...
by retire2022
Tue Jun 04, 2019 7:37 pm
Forum: Personal Investments
Topic: Problem at Vanguard?
Replies: 42
Views: 5238

Re: Problem at Vanguard?

Op I use Morningstar portfolio watch and compare it to Vanguard, generally the balance is ready by 7:30PM EST.

Today the Morningstar PW was ready by 7:14PM
by retire2022
Tue Jun 04, 2019 7:32 pm
Forum: Personal Investments
Topic: Recommended DFA funds through 457 plan
Replies: 13
Views: 948

Re: Recommended DFA funds through 457 plan

Op get a free account with Morningstar and compare the funds to your other choices

https://www.morningstar.com/
by retire2022
Tue Jun 04, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21459

Re: Can I afford this 2.3 million dollar home?

op

recent Richard Florida (author who coined creative class) article on people who are relocating less, which could be of interest: https://www.citylab.com/life/2019/05/mo ... ck/590521/
by retire2022
Tue Jun 04, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 6843

Re: Tell us your side hustle success stories.

RL1013 wrote:
Tue Jun 04, 2019 11:22 am

Awesome. Do you have some good articles on the process for subdividing a large lot? Or is it dependent on state rules.
RL it is local dependent, check with realtor and architects regarding zoning.
by retire2022
Tue Jun 04, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 6843

Re: Tell us your side hustle success stories.

Op

My side hustle is personal finance, total investment approx 518K, present Value 1.4 Million been doing this since 1987 stock market crash.
by retire2022
Tue Jun 04, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21459

Re: Can I afford this 2.3 million dollar home?

Anyone ever hear of using a repurchase agreement to protect against loss in case of need to sell? In this situation seller agreed to buy back land in 2 years if no construction has begun at a $10k discount from purchase price. Of course there will be other losses including loan interest and propert...
by retire2022
Mon Jun 03, 2019 4:00 pm
Forum: Personal Investments
Topic: tech funds
Replies: 30
Views: 2753

Re: tech funds

Ron and all I decided to go in at $190 per share, with limit order of 190 @ 487 shares, put it in and the sale was executed, it went as low as 189 but I didn't want to stay on the screen even though I was off from work on vacation.

I've since canceled the 185 share order, I like etfs :)
by retire2022
Mon Jun 03, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 85
Views: 6846

Re: Does money/lack of money preoccupy you?

Interesting. I once went to a shrink , who told me that I have anticipatory anxiety. I worry about what might happen. I liked that term, and think it applies to me. The truth is, my anxiety rarely prevents me from doing what I want to do, and the same shrink told me that the "anticipatory anxiety" ...
by retire2022
Mon Jun 03, 2019 5:42 am
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 85
Views: 6846

Re: Does money/lack of money preoccupy you?

OP Here are some work sheet Christine Benz based a book on free if you have a Morningstar free account source for tips: https://www.morningstar.com/articles/621536/30minute-money-solutions-worksheets.html Book: https://www.amazon.com/Morningstars-30-Minute-Money-Solutions-Step-/dp/0470918136/ref=sr_...
by retire2022
Sun Jun 02, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: American Express green card
Replies: 18
Views: 1475

Re: American Express green card

Op as a follow-up: I just received a letter from AMEX that since my "spending activity past 12 months has been significantly lower than my credit limit" Amex has lowered the credit limit on my account to $XX,XXX, the new cash advance limit is $xxxx. reason for our decision there has been minimal act...
by retire2022
Sun Jun 02, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21459

Re: Can I afford this 2.3 million dollar home?

New wrinkle. Let's say we can buy the land and delay construction for 2.5 years. Let's say the interest rate on the land loan is 5.5% and we pay off the entire balance in 24 months. Let's say at the end of 2.5 years we have 1 mil saved to put down (including value of land, current home equity and c...
by retire2022
Sat Jun 01, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: What to do with a 24" analog CRT TV?
Replies: 56
Views: 2955

Re: What to do with a 24" analog CRT TV?

ddurrett896 wrote:
Fri May 31, 2019 8:09 pm
Backyard + baseball bat
There is lead and mercury in the CRT tube, it is a health hazard
by retire2022
Sat Jun 01, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: Your favourite Monte Carlo tool for asset allocation?
Replies: 9
Views: 881

Re: Your favourite Monte Carlo tool for asset allocation?

Op Pascal's Probability is asset allocation or target fund take a look at these following links and article: back testing portfolio https://www.portfoliovisualizer.com/backtest-portfolio the monte carlo simulation a good PBS news hour on this concept: https://www.pbs.org/newshour/show/world-finance-...
by retire2022
Sat Jun 01, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: Your favourite Monte Carlo tool for asset allocation?
Replies: 9
Views: 881

Re: Your favourite Monte Carlo tool for asset allocation?

Op livesoft Vanguard portfolio watch https://www.bogleheads.org/forum/viewtopic.php?f=10&t=150267 Morningstar x-ray tool https://www.doughroller.net/investing/morningstar-x-ray/ Christine Benz Morningstar Lifetime Allocation Table June 2018 https://indexes.morningstar.com/resources/PDF/Brochures%20a...
by retire2022
Sat Jun 01, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular dropping calls
Replies: 12
Views: 928

Re: Consumer Cellular dropping calls

op try this app to see if there are cell towers where the drop off is, this is based on real users

https://www.opensignal.com/apps
by retire2022
Sat Jun 01, 2019 5:59 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer in Manhattan, is it better to take mortgage or pay cash and any other tips or suggestions?
Replies: 7
Views: 803

Re: First time home buyer in Manhattan, is it better to take mortgage or pay cash and any other tips or suggestions?

My current situation is I get about 100k a year after tax. I also am finishing up my MBA and plan on getting a job in NYC so I’ll get some money there as well. Cash on hand is about a million. I also have about 3.5 million sacked away for me but no control over it for a long time. LES is close to H...
by retire2022
Fri May 31, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer in Manhattan, is it better to take mortgage or pay cash and any other tips or suggestions?
Replies: 7
Views: 803

Re: First time home buyer in Manhattan, is it better to take mortgage or pay cash and any other tips or suggestions?

I have never bought a house before. I’m buying my first condo in Manhattan and have limited it to three areas - Upper East Side, Upper West Side, or Midtown. Would like to close on a place in 90 days or less. Looking to spend 1 million or less for a 2 bedroom (ideally). Please give me any and all s...
by retire2022
Fri May 31, 2019 11:02 pm
Forum: Personal Investments
Topic: What percent of your assets do you have in investment property (excluding your personal residence)?
Replies: 73
Views: 3028

Re: What percent of your assets do you have in investment property (excluding your personal residence)?

Op

I own 89 acres of forest which cost me approx 187K, well etc and upgrades which is approx 11% of my 2.4 million net worth, not including my primary residence (650K)
by retire2022
Fri May 31, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 85
Views: 6846

Re: Does money/lack of money preoccupy you?

I love the way things play out for those with cash courage and patience. Those are Bernstein's criteria...not mine. Sounds like you've had them to draw on in bad and good times! I'm agnostic, I have no allegiance to any particular technique or way, in 1980, as an intern I met a former VP of Wall St...
by retire2022
Fri May 31, 2019 10:05 pm
Forum: Personal Investments
Topic: Can wife invest in both Deferred Comp and SIMPLE IRA
Replies: 12
Views: 680

Re: Can wife invest in both Deferred Comp and SIMPLE IRA

she works for NYS government. I work for NYS government as well, are you aware she can't be running her side business during state time? nor be using state issued gear? Under Public Officer Law she can not have the appearance of conflict even though no consideration was exchanged, nor advice given ...
by retire2022
Fri May 31, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 85
Views: 6846

Re: Does money/lack of money preoccupy you?

Congratulations on your upcoming graduation to independence! Thanks for the encouragement! Thank you, my mother made $20 per week 1966-1995 for 29 years or $6000 per year. I'm first in my family to go to college in the USA, first in my family to have property in rural setting in 68 years. I met a w...
by retire2022
Fri May 31, 2019 9:33 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9762

Re: How did you all do in the month of May, 2019

lost approx 90K, protected 92K (6% portfolio) and waiting to go back in. I have a 60 day limit order for VGT at 185 per share which is approx 8% from this year's all time high. Today it dropped to 194.46 so waiting patiently, this is like ebay. edit Changed my mind this morning 6/3/2019, canceled th...
by retire2022
Fri May 31, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 85
Views: 6846

Re: Does money/lack of money preoccupy you?

That's my background as well. My father washed tin foil, ate cheese with mold on the edges and turned the heat OFF at night in Minnesota. I could see my breath in the mornings when I woke up under the down quilt. Ah.....memories. While I haven't made every smart move in the investment book, I'm lea...
by retire2022
Fri May 31, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 85
Views: 6846

Re: Does money/lack of money preoccupy you?

op My friends think I was am obsessed with personal finance since 1987, 2.4 million net worth 32 years later 1.5 million portfolio I am laughing all the way to Vanguard. :beer I think there nothing obsessive what I read and what I want to talk about, in the early years it was different mutual funds,...