Search found 29 matches

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: 7904

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: 2308

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: 881

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: 8039

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: 188
Views: 16088

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: 12588

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: 3872

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: 188
Views: 16088

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: 10101

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: 306
Views: 45792

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: 6766

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: 2335

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: 1145

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: 355
Views: 44476

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: 834

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: 9177

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: 101
Views: 12696

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: 1117

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: 37
Views: 4678

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: 1396

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.
by ruhigste
Tue Mar 19, 2019 6:33 pm
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 60
Views: 6105

Re: What financial advice have you been most grateful for?

Jane Bryant Quinn on the Roth IRA: "just do it"
by ruhigste
Sun Mar 10, 2019 7:56 pm
Forum: Investing - Theory, News & General
Topic: Pushing the frontier of behavioral finance
Replies: 38
Views: 3797

Re: Pushing the frontier of behavioral finance

1) reverence for Jack Bogle and the desire to learn more about finances 2) a measure of humility leaves me open to receive the wisdom of others 3) I didn't encounter index funds and understand them until working on a degree in management. If I had not had the encounter, I probably would have continu...
by ruhigste
Sun Mar 10, 2019 7:09 pm
Forum: Investing - Theory, News & General
Topic: Larry's new book The Complete Guide to a Successful & Secure Retirement
Replies: 22
Views: 11848

Re: Larry's new book The Complete Guide to a Successful & Secure Retirement

I'm reading the Forward now. This seems to be just what I was looking for.
by ruhigste
Wed Mar 06, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: First “financial” thing you do in the morning
Replies: 80
Views: 6133

Re: First “financial” thing you do in the morning

First thing each morning, I reconcile bank and credit card accounts against Quicken using auto-reconciliation. I also check what is still pending against those bank and credit card accounts. There have been times when I uncovered fraudulent charges. More often, I am reminded of charges I forgot to a...
by ruhigste
Thu Feb 28, 2019 11:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 64821

Re: Discontinuing VanguardAdvantage Accounts

I was unaware of the Advantage Plan. I am using an automatic monthly transfer from a Vanguard IRA to my regular checking account at my Bank. It works well enough. Neither Vanguard nor my bank are charging fees for the service.
by ruhigste
Mon Jan 28, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 62
Views: 7707

Re: Where do you keep your emergency fund?

My money market fund at the Bank still offers close to zero interest. I'm planning to use our existing after-tax Prime Money Market fund as we continue to build our emergency fund. That's our priority now.
by ruhigste
Mon Jan 28, 2019 9:22 am
Forum: US Chapters
Topic: How Did You End Up Here?
Replies: 65
Views: 5806

Re: How Did You End Up Here?

I have used Vanguard for many years, and have read many of Jack Bogle's books. This was the "natural" place to look for investment advice, but I resisted joining a forum until a few days ago. I've been missing a great deal! (in both senses of great deal :happy )
by ruhigste
Tue Jan 22, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: River Cruise
Replies: 6
Views: 781

Re: River Cruise

We loved our Avalon cruise on the Danube River.