Search found 263 matches

by MrBobcat
Tue Nov 12, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 56
Views: 3410

Re: Blankets/Bedding for Cold Winter Nights

We've gotten by quite nicely with flannel sheets and a comforter/duvet insert like this one for years, no other blankets. Nice being able to change the duvet so you can change the look. We keep our house around 55 at night during the winter, sometimes gets colder during spring and fall months when I...
by MrBobcat
Mon Nov 11, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 165043

Re: [What TV Show Have You Recently Watched?]

Gilligan's Island on Amazon Prime. Speaking of old shows the Mrs and I found Match Game '75 on Amazon Prime. Talk about a blast from the past. We find it every bit as hilarious as when we were kids. That being said I'm not sure our parents would have let us watch it back in the day if they'd realiz...
by MrBobcat
Mon Nov 11, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 165043

Re: [What TV Show Have You Recently Watched?]

I watched Season 5 of Peaky Blinders yesterday. It ended on a cliffhanger for a major character. I enjoy the series and the actors and their characters. Sometimes the music is a bit much. I do at times have trouble keeping all the characters straight in my mind. Rumors are out that a Season 6 may b...
by MrBobcat
Sun Nov 10, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 165043

Re: [What TV Show Have You Recently Watched?]

Season 2 of End of the F***ing World on Netflix. It's a British dark comedy, l really enjoyed Season 1. So far season 2 seems to be pretty good.
by MrBobcat
Sat Nov 09, 2019 12:40 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 174
Views: 12857

Re: Spend It All vs. Leave $$ for the Kids

Assuming you don't have a child with special needs who obviously will require assistance down the road, what are your thoughts? I'm more inclined not to spend it all if there is another generation in the works, ie grandkids. Otherwise, meh the kids themselves are doing great the don't really need o...
by MrBobcat
Fri Nov 08, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4084

Re: Your Fantasy Kitchen (Cookware-wise)

big fan of hitting up kitchen supply stores. they sell a lot of stuff made for heavy duty use and i am a fan of a brand called Vollrath found at such stores. I will have to look that brand up, I'm always looking to buy good value cookware for gifts. I'm a big fan of Vollrath Tribute tri-ply in my k...
by MrBobcat
Fri Nov 08, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4084

Re: Your Fantasy Kitchen (Cookware-wise)

Bob Sacamano wrote:
Thu Nov 07, 2019 10:25 pm
big fan of hitting up kitchen supply stores. they sell a lot of stuff made for heavy duty use and i am a fan of a brand called Vollrath found at such stores.
I will have to look that brand up, I'm always looking to buy good value cookware for gifts.
by MrBobcat
Thu Nov 07, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord & Live Television
Replies: 45
Views: 2927

Re: Cutting the Cord & Live Television

We cut the cord 6 years ago. We also live in the middle of nowhere so a HD antenna does nothing for us. (I'd go insane watching/skipping commercials anymore anyway). As far as sports we were never huge TV watchers. That being said we actually get to watch a fair number of our Alma Maters Division I,...
by MrBobcat
Wed Nov 06, 2019 4:20 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3645

Re: Vanguard suggesting I move to ETF's

ETF's use the brokerage system, not the mutual fund system. Vanguard wants to retire the mutual fund system and this helps get them there. People won't give up the split brokerage/mutual fund accounts. Think of the challenge to retire all mutual funds. :shock: I don't see that happening anytime soo...
by MrBobcat
Wed Nov 06, 2019 4:19 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3645

Re: Vanguard suggesting I move to ETF's

My "Personal" advisor at Vanguard is recommending I move from my mutual funds to ETF's citing more control and lower ER's. They have a side by side comparison on their home screen. I have a little over $1m in mutuals right now. Any red flags besides the fact that I can't go back to mutual funds lat...
by MrBobcat
Tue Nov 05, 2019 11:33 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4084

Re: Your Fantasy Kitchen (Cookware-wise)

Best stainless steel cookware is https://www.zwilling.com/us/demeyere/cookware/atlantis/ Best cast iron is https://www.lecreuset.com/ But, a good cook can make an excellent meal with any cookware. Ask me how I know. AirBnB. If you've had a chance to compare, how does the 5 ply demeyere compare to t...
by MrBobcat
Tue Nov 05, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4084

Re: Your Fantasy Kitchen (Cookware-wise)

If you don't have one get an induction stovetop. I know, not cookware, but my All-Clad loves it. More than a month ago, my 48” propane cooktop sprung a leak. I wanted to go with induction for replacement, and picked the only range I could find that would fill a 48” hole in my kitchen. I don’t reall...
by MrBobcat
Tue Nov 05, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4084

Re: Your Fantasy Kitchen (Cookware-wise)

If you don't have one get an induction stovetop. I know, not cookware, but my All-Clad loves it. More than a month ago, my 48” propane cooktop sprung a leak. I wanted to go with induction for replacement, and picked the only range I could find that would fill a 48” hole in my kitchen. I don’t reall...
by MrBobcat
Tue Nov 05, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4084

Re: Your Fantasy Kitchen (Cookware-wise)

Our kitchen ware consists of what you have already. For the eggs, we buy non-stick skillets and treat them as usable items to dispose of eventually. We buy the winner of America's Test Kitchen which is T-Fal. Other than that, we have a few seasoned cast iron pans for various dishes as well. Probabl...
by MrBobcat
Tue Nov 05, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4084

Re: Your Fantasy Kitchen (Cookware-wise)

If you don't have one get an induction stovetop. I know, not cookware, but my All-Clad loves it. For non-stick frypans, just go with carbon steel and season it. I love the De Buyer line, have 3 different frypan sizes as well as the crepe pan and both sizes of the country chef pans. The 12.6" frypan ...
by MrBobcat
Mon Nov 04, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Conservation Partnership to save taxes
Replies: 14
Views: 740

Re: Conservation Partnership to save taxes

Dear Experts, As I was chatting about how to reduce my taxes, someone suggested investing in Conservation Partnership (Treasury Regulation 1.170A-14,170(h) of the Internal Revenue Code) which they said can help save taxes via donation of conservation easement. They say that the easement is deductib...
by MrBobcat
Mon Nov 04, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72266

Re: Flaunt Your High-Mileage Car

I've always driven my cars into the ground. Most impressive was my first car a 1977 Pontiac Bonneville (I bought it with 104,000 when I was a senior in HS), drove that sucker for 8 years. It had 168,000 on the original motor (no major work, just maintenance) when I finally retired it. Now days 168,0...
by MrBobcat
Mon Nov 04, 2019 4:10 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 366
Views: 20632

Re: Holding bonds vs 100% equities

Folks, Let me show you why 100/0 does not work for a real investor. Let's set some ground rules. A) We agree that in the long-run (20 years or longer) 100/0 will beat 70/30. B) We agree that in the short-run (less than 20 years), it is could go either way. C) The stock market could drop 50% at any ...
by MrBobcat
Fri Nov 01, 2019 12:09 pm
Forum: Personal Investments
Topic: Worried I am getting addicted to individual stocks.
Replies: 113
Views: 7326

Re: Worried I am getting addicted to individual stocks.

In January of this year I was able to sell some individual positions and purchase total market / 500 index mutual funds to replace them, and thus take advantage of TLH tactics that will pay off for several years. If I could rewind the clock about 18 months, I would probably allocate some if not all...
by MrBobcat
Wed Oct 30, 2019 9:42 am
Forum: Personal Investments
Topic: Inheritance Assistance - Edward Jones
Replies: 23
Views: 1883

Re: Inheritance Assistance - Edward Jones

Speak with a Vanguard Account Specialist who will help your parents with the account transfer. If there are minimal gains due to the recent basis step-up, s ell all investments at EJ and transfer cash to Vanguard . Print or download all EJ statements and trade confirmations as the online account ac...
by MrBobcat
Wed Oct 30, 2019 8:25 am
Forum: Personal Investments
Topic: Inheritance Assistance - Edward Jones
Replies: 23
Views: 1883

Re: Inheritance Assistance - Edward Jones

Speak with a Vanguard Account Specialist who will help your parents with the account transfer. If there are minimal gains due to the recent basis step-up, s ell all investments at EJ and transfer cash to Vanguard . Print or download all EJ statements and trade confirmations as the online account ac...
by MrBobcat
Tue Oct 29, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8156

Re: Wallets [Do you carry a wallet?]

I had a cheap minimalists wallet for several years and then my dad tried a ridge wallet and showed me. I got one and haven't looked back.

https://www.ridgewallet.com/
by MrBobcat
Mon Oct 28, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help Dad do estate planning math and make adjustments
Replies: 45
Views: 2595

Re: Help Dad do estate planning math and make adjustments

I tried to avoid the drama, as it doesn't look good for anyone or help to achieve the solution, but here are some additional facts if they help shed light on the matter: The feud itself has more to do with how the gift was made, and a longstanding implicit trust that was broken by Sister #1's actio...
by MrBobcat
Mon Oct 28, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Help Dad do estate planning math and make adjustments
Replies: 45
Views: 2595

Re: Help Dad do estate planning math and make adjustments

Dad should keep his money and daughter #1 should take a mortgage = to 2/3 of the value of the real estate when gifted and give her sisters their 1/3 cut, then they can split any inheritance equally when the time comes.
by MrBobcat
Mon Oct 28, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you ever wish you could help relatives improve their finances?
Replies: 12
Views: 1012

Re: Do you ever wish you could help relatives improve their finances?

I wish my extended family would improve their finances and I wish they wanted me to help but they have no desire to change their ways and I'm not about to intrude unless they ask. Most of them are financial disasters.
by MrBobcat
Mon Oct 28, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8790

Re: How much do you plan to spend on your children's weddings?

Wedding costs are the responsibility of the bride. When did this change? About the same time dowry's went away. :P not in my area 25 years ago..bride's parents were expected to pay. Groom's parents paid for the rehearsal dinner. That was the standard for most all my friends and wife's. If has chang...
by MrBobcat
Mon Oct 28, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8790

Re: How much do you plan to spend on your children's weddings?

nonfacebookuser365 wrote:
Mon Oct 28, 2019 11:36 am
Wedding costs are the responsibility of the bride. When did this change?
About the same time dowry's went away. :P
by MrBobcat
Mon Oct 28, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8790

Re: How much do you plan to spend on your children's weddings?

Our daughter is getting married next summer. Grooms parents are kicking in $5,000 and we're covering the hall, meal and bar directly which will be about $5,000ish.
by MrBobcat
Sun Oct 27, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question
Replies: 18
Views: 2289

Re: Inheritance question

We’re you left a specific dollar amount or was it a share of the estate? For example, if you were left a cash bequest of $20,000 there would be no tax ramifications at all but if you were left 10% of the estate you might be responsible for 10% of the income earned by the estate. Gill I would suspec...
by MrBobcat
Sun Oct 27, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question
Replies: 18
Views: 2289

Re: Inheritance question

We’re you left a specific dollar amount or was it a share of the estate? For example, if you were left a cash bequest of $20,000 there would be no tax ramifications at all but if you were left 10% of the estate you might be responsible for 10% of the income earned by the estate. Gill I would suspec...
by MrBobcat
Sun Oct 27, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question
Replies: 18
Views: 2289

Re: Inheritance question

An uncle passed away last year and I recently received an inheritance that is not a lot but more than the gift tax limit of $15K. I, maybe naively, thought that inheritance is not taxable but the information from the estate attorney's office said they will be sending a schedule K-1 during tax seaso...
by MrBobcat
Fri Oct 25, 2019 2:29 pm
Forum: Personal Investments
Topic: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.
Replies: 93
Views: 10828

Re: 11 Reasons to Carry a Big, Long Mortgage by Ric Edelman.

I assumed the unspoken #1 Reason was so you can have more money on balance invested with Ric Edelman You take the risk with a mortgage and stock investments, he collects the fee's for assets under management " Head's I win, Tails you lose " Sounds like a great plan for Ric :mrgreen: lol, sad but so...
by MrBobcat
Fri Oct 25, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: passing assets before retiring?
Replies: 23
Views: 2229

Re: passing assets before retiring?

Thegame14 wrote:
Fri Oct 25, 2019 1:18 pm
maybe this is related to the 5 year look back rule for Medicaid. Some people will gift money to their heirs so that if they need long term care, they don't have assets to deplete before Medicaid kicks in and pays for it.
That was my initial guess. And yes people do this.
by MrBobcat
Fri Oct 25, 2019 12:48 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3042

Re: Does Fidelity have a performance view?

hap_ca wrote:
Fri Oct 25, 2019 2:56 am
Has anyone who called in recently seen anything yet?
No (other than the premium service thing I noted above). I don't really expect anything to show up till after the November statements close. If anything happens before then I will report.
by MrBobcat
Fri Oct 25, 2019 11:43 am
Forum: Personal Investments
Topic: How to look at PE Ratio?
Replies: 7
Views: 259

Re: How to look at PE Ratio?

PE Ratio is the earnings per share divided into the stock price. Which is also the same as saying, annual revenues divided by market capitalization of the company. The OP is not doing proper analysis beyond a cursory look at news reports. It's not sufficient to just look at one source, the best sou...
by MrBobcat
Wed Oct 23, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 104
Views: 9716

Re: Do you plan to actually spend down your portfolio?

Many retirement calculators or rules usually assume that a retiree will spend down their money at end of the presumed life. A success is that you have more than zero dollar at the end of your modeling years, be it 30 years or 40 years. Yet we see here again and again statements (from retirees) like...
by MrBobcat
Wed Oct 23, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Sharing my camry 2011 overall/annual ownership costs.
Replies: 19
Views: 1185

Re: Sharing my camry 2011 overall/annual ownership costs.

- A new 2019 Camry can be had for ~$22K and would cost 8.1 cents/mile Edmunds estimates in 5 years of ownership the cheapest new Camry driven for 75,000 miles would cost $36,815, which includes depreciation (it does also assume financing costs). This would be 49 cents per mile. https://www.edmunds....
by MrBobcat
Wed Oct 23, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Sharing my camry 2011 overall/annual ownership costs.
Replies: 19
Views: 1185

Re: Sharing my camry 2011 overall/annual ownership costs.

Very good questions. Here is breakdown per year: 2017 - $4246 $850 - fixed rear bumper $400 - had indash system installed (luxury expense, living big here!) $600 - put 4 brand new tires $1500 - gas $820 - insurance rest is misc stuff like oil changes, registration, car wash. 2018 - $4762 372 - repl...
by MrBobcat
Wed Oct 23, 2019 10:26 am
Forum: Personal Investments
Topic: How do you get over an investing mistake?
Replies: 42
Views: 2047

Re: How do you get over an investing mistake?

Less than two years ago, I invested a significant amount of money into a particular small-cap stock that I had researched very deeply. It has now roughly doubled in stock price over two years. But I sold slightly less than 15% of my position at the halfway mark, so I missed out on approximately 50%...
by MrBobcat
Tue Oct 22, 2019 4:15 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11631

Re: Inside Fisher Investments

Fisher Investments has been in the news lately after Ken Fisher went on a sexist tirage in a meeting and now public pensions are pulling their money out to the tune of 1.8 billion to date. So now Bloomberg decided to do an investigative report on the inner workings of Fisher Investments. You can fi...
by MrBobcat
Wed Oct 16, 2019 2:53 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3042

Re: Does Fidelity have a performance view?

I will add I did notice the Fidelity Premium Services Icon (top right of screen) showed up the day after I called. And thank you for the explanation on the 2 month thingy, makes sense. Any chance you can share a screenshot? I didn't notice anything different on my account, but perhaps I'm not looki...
by MrBobcat
Wed Oct 16, 2019 2:03 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3042

Re: Does Fidelity have a performance view?

Well I called them up. Explained that I was missing the performance tab. Rep said she thought it was for managed accounts. I said I thought it was also for premium service clients (over $250K) and she said she'd check. She said yes and they changed the coding on my account to add the tab. She did s...
by MrBobcat
Tue Oct 15, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: poor Boglehead sending my kids to college
Replies: 69
Views: 5832

Re: poor Boglehead sending my kids to college

I'm a college professor at a liberal arts college. As such, I don't want to send my kids to a state university. I've attended and taught at both state university and liberal arts colleges and there is no contest which offers the better education (although you can debate the value proposition). I'm ...
by MrBobcat
Mon Oct 14, 2019 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Donating Home
Replies: 7
Views: 1091

Re: Donating Home

I'd proceed with the charitable deduction with caution. Not that there isn't one, but is it properly valued? Looks like you also run the risk of having the cash "charitable donation" of being reclassified as payment for demolition services. If you have a tax guy/gal, talk to them before proceeding. ...
by MrBobcat
Sat Oct 12, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make more money with my accounting degree?
Replies: 29
Views: 2984

Re: How do I make more money with my accounting degree?

Do you have your CPA certificate? If not I'd work on that. That being said if you like low-medium stress jobs, making more money might not be in the cards.
by MrBobcat
Fri Oct 11, 2019 4:00 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3042

Re: Does Fidelity have a performance view?

I also don't have access to a performance view. I have had my account for 3 years. I have a taxable, SEP IRA, Roth IRA all will Fidelity. No performance view. Anyone know what the dollar amount is you might need to have in order to have a performance view? I'm early in my investing years. $250K, bu...
by MrBobcat
Fri Oct 11, 2019 3:56 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3042

Re: Does Fidelity have a performance view?

I have a Fidelity brokerage account that I mainly use for bill pay and checks but I have been considering holding some ETFs there as well. I wasn’t able to find a page showing my portfolio performance for my account. I’m looking for something similar to the “portfolio performance” page found at Van...
by MrBobcat
Fri Oct 11, 2019 3:55 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3042

Re: Does Fidelity have a performance view?

Well I called them up. Explained that I was missing the performance tab. Rep said she thought it was for managed accounts. I said I thought it was also for premium service clients (over $250K) and she said she'd check. She said yes and they changed the coding on my account to add the tab. She did sa...
by MrBobcat
Fri Oct 11, 2019 2:55 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3042

Re: Does Fidelity have a performance view?

I have a Fidelity brokerage account that I mainly use for bill pay and checks but I have been considering holding some ETFs there as well. I wasn’t able to find a page showing my portfolio performance for my account. I’m looking for something similar to the “portfolio performance” page found at Van...
by MrBobcat
Thu Oct 10, 2019 1:30 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool
Replies: 21
Views: 2867

Re: Motley Fool

neveragain wrote:
Thu Oct 10, 2019 1:18 pm
Is a subscription to Motley Fool worth it? I'm trying to decide if I want to subscribe.
I subscribed to them for quite a few years. No it is absolutely not worth. As said earlier you're buying a bunch of noise.