Search found 58 matches

by ruhigste
Wed Jun 03, 2020 6:11 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24543

Re: Are you still going to the grocery store or using a delivery service? Which?

agbp wrote:
Wed Mar 25, 2020 4:06 am
Curbside pickup for now. We haven’t been in a store for nearly 2 weeks.
+1
by ruhigste
Mon May 25, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13779

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by ruhigste
Sun May 24, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13779

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by ruhigste
Sun May 24, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 165
Views: 20114

Re: Any Instant Pot users here?

bampf wrote:
Mon Dec 18, 2017 6:50 am
Love it. Do it.
+2
by ruhigste
Tue May 19, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 3108

Re: Choices of and precautions at hotels in this summer

We stayed at a Marriott last week. Some of the changes that they've made include: Valet is closed, must self park now. Gym/pool closed. No breakfast. They gave us a breakfast in a bag which consisted of an orange, granola bar, and yogurt. The lobby was locked and had to ring a bell. They also had c...
by ruhigste
Thu May 07, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 477
Views: 61264

Re: What lifestyle creep made you happier?

We moved to a senior living community (condo) that provides snow and lawn services. We do pay a condo fee, but every time I hear them mowing the lawn, I feel good :D
by ruhigste
Sun Apr 12, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 43
Views: 2581

Re: Quarterly Taxes

Just curious as to what most peoples strategy is for paying their quarterly taxes this year? I know both the Fed and the State have now extended the payment period to July 15th but I'm sticking to the old schedule. Maybe it's all psychological but I feel less stressed writing a couple of smaller ch...
by ruhigste
Sat Apr 11, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Had trouble finding an easy-to-use Spending/Investment Tracking software. What's your favorite?
Replies: 19
Views: 1065

Re: Had trouble finding an easy-to-use Spending/Investment Tracking software. What's your favorite?

For the quicken users- did you have your accounts linked and is that safe? Maybe our issue was uploading the documents rather than having the account directly linked I don't link my accounts to Quicken. I had problems when Vanguard and my bank asked me to enter the security verification codes I req...
by ruhigste
Sat Apr 11, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How often do you login and review your investment accounts?
Replies: 68
Views: 2569

Re: How often do you login and review your investment accounts?

I download investment account changes into a spreadsheet and Quicken on days the markets are open. It takes a few minutes. We're retired, so I can make the time. When quarterly statements come out, we're already aware of what's happened to our accounts and are not shocked by the statements. I prefer...
by ruhigste
Thu Apr 09, 2020 11:44 am
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11147

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

1) We are building up our emergency fund (after tax money market) by slightly increasing our monthly withdrawal from my traditional IRA. We intend to have enough to live for a year without any withdrawals other than from the emergency fund. 2) We are spending less by not dining out. I started taking...
by ruhigste
Sun Apr 05, 2020 2:29 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75240

Re: Bogleheads community discussion - Coronavirus

The virus reinforced and expanded what I had already become: a financial blog surfer. It took away the company of a few very good friends with whom we dined frequently. Restaurants are closed now, and getting together is dangerous. It removed much of my family contact because we're all too vulnerabl...
by ruhigste
Fri Mar 27, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13020

Re: How are you going to use your stimulus money?

Tim_in_GA wrote:
Fri Mar 27, 2020 6:27 pm
We’re getting $2400 and it will all go into our emergency fund. I have a furlough coming up, and there may be more.
+1 on the amount and the destination. We're retired.
by ruhigste
Sun Mar 22, 2020 12:18 pm
Forum: Personal Investments
Topic: Unprepared for Potential Great Depression Part 2
Replies: 245
Views: 24091

Re: Unprepared for Potential Great Depression Part 2

I'm pretty amazed by the numbers of folks that have posted this was predictable, or they saw this coming.... yet, did nothing and are now asking what to do... Why you asking us? You're the one(s) that predict and see these things coming.... Buy and hold mantra :) We are too worried to do anything. ...
by ruhigste
Wed Mar 18, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9481

Re: What is your AA, given your age ? and this crisis ?

I'm 70. We're at 40/60 in the Vanguard Conservative LifeStrategy fund for our traditional IRA's, which make up 80 % of our retirement funds. We selected this fund because we want Vanguard to handle our re-balancing, and because there is no 50/50 LifeStrategy fund. Our smaller Roth IRA's are in the L...
by ruhigste
Sat Mar 14, 2020 8:04 pm
Forum: Personal Investments
Topic: Will price of new car pricing increase or decrease?
Replies: 12
Views: 1489

Re: Will price of new car pricing increase or decrease?

Wait, new car pricing goes down?
by ruhigste
Sat Mar 14, 2020 10:36 am
Forum: Personal Investments
Topic: What are people who are using their portfolio for income doing?
Replies: 42
Views: 1966

Re: What are people who are using their portfolio for income doing?

We are reducing the amount we withdraw from our LifeStrategy funds by the amount of my Social Security payment, which fortuitously starts this month. We will continue to withdraw the lower amount indefinitely. We rely on Vanguard to determine what to sell in order to meet our withdrawal request. We ...
by ruhigste
Fri Mar 13, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5578

Re: What entertainment during Covid-19 times?

I've been walking 45 minutes twice a day taking care to maintain that 6 foot social distance. The weather is great in Arizona :D .
by ruhigste
Fri Mar 13, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Buying expensive things after the market crash
Replies: 39
Views: 5016

Re: Buying expensive things after the market crash

We were looking at park models in Arizona. After the portfolio loss, even on paper, we realize we can't afford it.
by ruhigste
Fri Mar 13, 2020 11:56 am
Forum: Investing - Theory, News & General
Topic: Some good news
Replies: 15
Views: 2000

Re: Some good news

They'll have to pry the stock certificates from my cold, dead, hands. :happy
by ruhigste
Fri Mar 13, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Kindle no longer supported?
Replies: 10
Views: 1269

Re: Kindle no longer supported?

There are Kindle apps for iPhone, android and laptop computers. I can access my entire Kindle library through these apps. I don't remember where my actual Kindle device is, but I'll bet it needs to be recharged. :happy Reading and re-reading the Kindle version of Boglehead recommended books on my la...
by ruhigste
Thu Mar 12, 2020 6:54 pm
Forum: Personal Investments
Topic: What does your Crystal Ball say?
Replies: 96
Views: 4905

Re: What does your Crystal Ball say?

My crystal ball says to hang on to my shares. The market will bottom out when people like us stop selling shares. I don't need to spend by selling shares at a big loss now, so I'm not going to. If the shares all become worthless, we're toast, but if the market bottoms out before then, there's a chan...
by ruhigste
Sat Feb 29, 2020 11:31 am
Forum: Personal Investments
Topic: New retiree perspective during Corona Crash
Replies: 57
Views: 7131

Re: New retiree perspective during Corona Crash

I had been maintaining a 50/50 Stock/Bond four-fund portfolio by re-balancing it myself. DW decided it was not something she could do or wanted to do if I could no longer do this, so we put our traditional IRA's into the conservative LifeStrategy fund, with an AA closer to 40/60 Stock/Bond. LifeStyl...
by ruhigste
Thu Feb 20, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: do you check your taxes when using tax software?
Replies: 54
Views: 3642

Re: do you check your taxes when using tax software?

I did our taxes in TurboTax first. Then I did them again in FreeTaxUSA. The State of Wisconsin allows you to deduct your ACA(Obamacare) insurance premiums for the year, even if you don't itemize deductions. Good thing, because we can't itemize this year. Using TurboTax, I missed the ACA premiums. Re...
by ruhigste
Fri Jan 24, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Learning to read music
Replies: 31
Views: 1815

Re: Learning to read music

Each winter it seems as if I take on the challenge of learning to read music/play guitar. Tabular (based on string/fret) is available and I have used it the past 20 years. I have always been intrigued by reading music (similar to learning a new language) and have made a little progress each winter ...
by ruhigste
Sat Jan 11, 2020 12:08 pm
Forum: Investing - Theory, News & General
Topic: Updates: 60/40 VS 30/70 Allocation for Retirees: Bernstein VS Ferri ? What Did You Do Post Pandemic RBD 3/2020?
Replies: 231
Views: 29125

Re: 60/40 VS 30/70 "Center Of Gravity"@@ Allocation for Retirees ??? Bernstein VS Ferri ?? -- What Would You Do?

tennisplyr wrote:
Sat Jul 20, 2019 7:33 am
Retired 8 years in our late 60s with an AA of ~50/50...life is good!
Retired 5 years and approaching 70 with the same stock/bond allocation. I'm happy the allocation is working for you, also. I intend to start taking Social Security at 70, and have not decided to change our allocation then.
by ruhigste
Sun Dec 29, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 369
Views: 33318

Re: Quicken 2019 and forward

I have Quicken 2019. We use web connect. The question is, why? Is that all your financial institutions support? Is it your choice for some reason? Direct Connect is faster and more reliable. Is Direct Connect what Quicken uses for its "Automatic Updates"? I tried that with Vanguard. There seemed to...
by ruhigste
Sun Dec 29, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend $$ on yourself?
Replies: 108
Views: 12351

Re: How do you spend $$ on yourself?

I have a spending account in Quicken. Each month, I add my monthly allowance to it. I subtract any amount spent on myself from it. If there is not enough money in it, I don't buy what I want. The allowance is part of our budget. DW has a similar spending account. It's been working for us, and it see...
by ruhigste
Sun Dec 29, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Could not get a Macy's store credit card!
Replies: 20
Views: 2329

Re: Could not get a Macy's store credit card!

RickBoglehead wrote:
Sun Dec 29, 2019 8:27 am
Could have done a temp unfreeze and she could have tried again.
I had to do this last weekend to join a credit union. I couldn't get transunion to unfreeze, so they accepted one of the other two instead. Nice. Hughes Federal Credit Union. Easiest way to get cash at this resort.
by ruhigste
Fri Dec 20, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Millionaire Teacher - Andrew Hallam
Replies: 70
Views: 10863

Re: Millionaire Teacher - Andrew Hallam

I recall hearing a podcast where Andrew Hallam was interviewed. IIRC he and his wife live in a trailerpark in rural Georgia. No point in being a millionaire if you live like someone on welfare. I don't know about his trailer park in Georgia, but I've driven past a lot of pretty nice-looking mobile ...
by ruhigste
Thu Dec 05, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: 50 Next Year - Should I Join AARP?
Replies: 105
Views: 8603

Re: 50 Next Year - Should I Join AARP?

My Medicare Advantage plan from United Health is endorsed by AARP. The plan has worked well for me. You don't need to be a member of AARP to join that plan, however. Generally, AARP does seem to favor the poor in their lobbying efforts. For example, they are currently lobbying for lower drug costs. ...
by ruhigste
Wed Dec 04, 2019 10:44 am
Forum: Personal Investments
Topic: Is Vanguard down?
Replies: 20
Views: 2633

Re: Is Vanguard down?

I got in on (12/2, 12/3 and 12/4) in the morning.
I failed to get in (12/2 and 12/3) in the evening. I don't think I'll bother this evening (12/4).
by ruhigste
Mon Oct 28, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Fish Boil in Sturgeon Bay WI
Replies: 9
Views: 978

Re: Fish Boil in Sturgeon Bay WI

Doohop65 wrote:
Sun Oct 27, 2019 9:25 pm
Kerosene is thrown in at the end I believe
Kerosene is thrown on the fire, not into the cauldron. That causes the pot to boil over, and the fish oils go over first. I like the potatoes best.
by ruhigste
Thu Oct 24, 2019 11:21 am
Forum: Personal Investments
Topic: Benefits of Flagship Status at Vanguard?
Replies: 65
Views: 9254

Re: Benefits of Flagship Status at Vanguard?

The annual investment plan was useful this year. We sold our Target Date Funds and purchased a four-fund portfolio spread across our two traditional IRA accounts and our two Roth IRA accounts, plus an after-tax joint account. We agreed to simplify the plan significantly by using the same mutual fund...
by ruhigste
Mon Sep 23, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 369
Views: 33318

Re: Quicken 2019 and forward

I have Quicken 2019. We use web connect.
by ruhigste
Thu Sep 05, 2019 9:22 am
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 12973

Re: Learnings/Regrets from last two recessions

During 2002 and 2008, we were in Target Date Funds. We took hits, but stayed the course, and within a year, had our money back +. Now we're in a four fund portfolio (the three fund + foreign bonds), and we're inclined to re-balance as needed and wait it out. We have plenty of bonds to spend as the s...
by ruhigste
Sat Aug 31, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Educating Spouse on Personal Finance
Replies: 60
Views: 3971

Re: Educating Spouse on Personal Finance

My wife does not care for the "B" word, so at the beginning of each month, I print a "spending plan" report from Quicken listing what we have spent by category year-to-date to the end of the previous month versus what we planned to spend. We jokingly refer to the report as the "sharp pencil report"....
by ruhigste
Fri Aug 30, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 369
Views: 33318

Re: Quicken 2019 and forward

Does anyone get Citi, Chase or Wells Fargo to download with "web connect"? I have Quicken 2017 and have to manually import from those three. I have no issues with Chase (Web connect) in 2017 or 2019, I have had hit or miss issues with Wells Fargo (Web Connect) in 2014, 2017 & 2019. This week, my Qu...
by ruhigste
Fri Aug 30, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 119
Views: 10755

Re: Coffee becomes cold too soon

My coffee also gets cold, especially when I'm reading interesting posts :D . Keep them coming!
by ruhigste
Thu Aug 22, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 326
Views: 50550

Re: Anyone disenchanted with retirement?

We're 4 and 1/2 years into retirement. We love Sunday evenings because we know we don't have to go back "there." We love Monday mornings because we're not going back "there." If we had loved our jobs, we might have continued for a few more years. Such was not the case.
by ruhigste
Thu Aug 22, 2019 10:01 am
Forum: Personal Investments
Topic: Safe retirement income now
Replies: 41
Views: 6962

Re: Safe retirement income now

Plan generously for RV outlays: gas or diesel fill-ups can exceed $100 / day plan for new tires every 5 years appliances take a pounding: our hot water heater died, yours may also If you drove your house down U.S. highways for 1,000 miles, it would also need lots of repairs sooner than expected. You...
by ruhigste
Mon Jul 15, 2019 10:53 am
Forum: Personal Investments
Topic: Vanguard TD funds
Replies: 35
Views: 2446

Re: Vanguard TD funds

TDFs worked well for us until we retired and needed to start withdrawals. When one has only a single TDF, how does one withdraw from the stock fund (only) when stocks outperform bonds? So we made the change to the three-fund portfolio plus an international bond fund. So far, we've been able to re-ba...
by ruhigste
Sun Jun 30, 2019 5:16 am
Forum: Personal Finance (Not Investing)
Topic: IRS Quarterly Payments From Vanguard Money Market?
Replies: 11
Views: 1208

Re: IRS Quarterly Payments From Vanguard Money Market?

We use the IRS and Wisconsin estimated tax payment sites. They take the estimated tax payments directly from our bank account. The money has transferred successfully every time. You may need one of your own checks to provide check routing numbers and your account number. Use URL https://www.irs.gov/...
by ruhigste
Fri Jun 14, 2019 6:21 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 382
Views: 48867

Re: How Bad was 2008, really?

My wife and I were still working then, so we didn't need to spend from our declining portfolio. The next one won't be as easy, because we're retired now. We stayed the course back in 2008, and within are year or so, it seemed the portfolio was back. I had 401K discussions with a co-worker who planne...
by ruhigste
Wed Jun 12, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard statements - spouse gets combined statement while I get separate account statements
Replies: 9
Views: 915

Re: Vanguard statements - spouse gets combined statement while I get separate account statements

I use the download button on the Vanguard family accounts page. It is important to me that all accounts and their funds download, because I use the resulting file in an Excel spreadsheet used to re-balance to our target allocation. We converted to brokerage accounts, and so far, I still have the fam...
by ruhigste
Wed May 22, 2019 10:39 am
Forum: Investing - Theory, News & General
Topic: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?
Replies: 74
Views: 9707

Re: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?

In today's free annual financial plan from Vanguard Personal Advisor Services, in a 50/50 Stock Bond Portfolio, the stock recommendation is 42 % large-cap, 18 % mid-/small cap and 40 % international. They're not ignoring mid-cap, at least, but they're also not specifying how much of the 18 % should ...
by ruhigste
Thu May 16, 2019 9:43 am
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 102
Views: 13600

Re: If you are already wealthy, what keeps you motivated?

You have 50+ years to go (hopefully, knock on wood). What should motivate you is moving your time from the "I am doing something I don't want to do" column to the " I am doing exactly what I want to do right now" column. Is your business the rental properties or do you have a side business that mak...
by ruhigste
Tue May 07, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Those that have transitioned from a HCOL to a LCOL area in retirement - how is it?
Replies: 4
Views: 1150

Re: Those that have transitioned from a HCOL to a LCOL area in retirement - how is it?

1. How did you pick the LCOL area? Are you still domestic or did you move abroad? We are about 1/2 hour away from the previous HCOL. 2. How has your transition been? It included downsizing. Most of the extra work was related to downsizing. 3. Any tips you wish you could have given yourself prior to ...
by ruhigste
Fri May 03, 2019 6:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard randomly not reinvesting dividends
Replies: 38
Views: 5240

Re: Vanguard randomly not reinvesting dividends

I noticed that my bond fund dividend did not automatically re-invest yesterday. I decided to handle the situation manually, because this account is a 3-fund account, and I may sometime decide to re-invest the bond dividends into the total stock or the international stock fund instead of the bond fun...
by ruhigste
Mon Mar 25, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: New Brokerage platform
Replies: 10
Views: 1488

Re: New Brokerage platform

I resisted doing it for years, but when the horse (old platform) dies, it's best to get off :happy. It was as quick and easy as Vanguard said it would be.