Search found 85 matches

by Redlion
Sun Oct 11, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Noise in Rental Apartment
Replies: 49
Views: 3935

Re: Noise in Rental Apartment

It sounds like the sound proofing of this apartment building isn't that great. I'd be more cognizant of that next time you move especially if you are very sensitive to noise. While I agree OP's building might have less than ideal sound dampening between units, no building is likely to be perfect. I...
by Redlion
Sun Oct 11, 2020 9:35 am
Forum: Personal Investments
Topic: Best places to park around 25K?
Replies: 20
Views: 2476

Re: Best places to park around 25K?

I parked $24,999.99 in a checking account at Bellco Credit Union with an APY of 2.25 percent. The hassle is you need to have one monthly direct deposit transaction, one monthly online log in and 15 debit card purchases a month not including ATM transactions. The first two are easy but 15 swipes is ...
by Redlion
Sat Oct 10, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: Golf club membership - should I?
Replies: 39
Views: 5224

Re: Golf club membership - should I?

I am considering joining a private golf club this summer. I addition to golf, It has swimming and tennis for the family. From a pure dollars and cents standpoint, it will never make sense. I can play really expensive public courses and come out ahead financially. Any perspectives from members of go...
by Redlion
Fri Oct 09, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: Baseball cards - worth anything?
Replies: 26
Views: 3346

Re: Baseball cards - worth anything?

I have thousands of Baseball, Football, and Basketball cards from the 60s and 70s, with all the big names Hank Aaron, Willie Mays, Sandy Koufax etc, but as a kid I played with them so they are not in mint condition so they are not worth much. I give them away to friends who are fans of certain teams...
by Redlion
Tue Oct 06, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 93
Views: 8657

Re: What are subscriptions that add the most value in 2020?

AFF
Match.com
Amazon Prime
Netflix
Microsoft One
by Redlion
Wed Sep 30, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: How do YOU find a good doctor these days...
Replies: 83
Views: 5819

Re: How do YOU find a good doctor these days...

I use the same method as picking a restaurant - word of mouth or google them. The last dermatologist that I saw had a yelp page with 5 star reviews :) (no joke). She was great! Although, some specialities and primary care docs don't seems to have a good online presence. Another great way is to ask ...
by Redlion
Tue Sep 29, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: "My Financial Toolbox" -- A Gem
Replies: 10
Views: 1643

Re: "My Financial Toolbox" -- A Gem

Good advice, I agree with everything except for auto pay for bills, I prefer to pay my bills with online banking and identify overcharges and mistakes before any payment is made.
by Redlion
Wed Sep 23, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Dental practice billing
Replies: 37
Views: 3152

Re: Dental practice billing

You have to be selective. Dentists are like Mechanics, they will make stuff up to get more business. Thorough research, word or mouth and sometimes getting a second opinion you can find an honest Dentist.
by Redlion
Wed Sep 23, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4548

Re: Smoker next door

barnaclebob wrote: Wed Sep 23, 2020 8:50 am Well their life expediencies will be much shorter than yours so it might just be a waiting game.
Not necessarily, its common for smokers to live into their 70s and 80s, OP might not want to wait that long
by Redlion
Tue Sep 22, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51718

Re: How to get over finance envy

Be either rich or an enemy of the rich. I understand both, but never be envious of the rich and try to please them at the same time.
by Redlion
Sun Sep 20, 2020 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 428
Views: 68042

Re: Improving the TSP [for current participants]

I've been reading about logins and beneficiaries, Not sure if its mentioned. Does anyone know if you can withdraw from specific funds such as the G or C fund? I know there were some changes in 2018 giving an option to withdraw from the Roth and Traditional TSP account.
by Redlion
Sun Sep 13, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3635

Re: Asset Allocation-What have you learned about yourself?

StevieG72 wrote: Sat Sep 12, 2020 1:13 am I have learned that I am a strange bird!

Account value drops by thousands in a given day, meh.

A $50 late payment fee, my feathers are ruffled for days!
I am also that way, The reason being is a late fee is something you could have prevented, A drop in the market is beyond your control.
by Redlion
Sun Sep 13, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3635

Re: Asset Allocation-What have you learned about yourself?

I've learned that asset allocation only works if you stop reading about other asset allocation models and just leave your investments alone...for a very long time. In fact, I now really don't have an AA. I think, at least for me, there was too much of a tendency to think of the AA/rebalancing part ...
by Redlion
Thu Sep 10, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Home building advice
Replies: 12
Views: 1334

Re: Home building advice

Not sure what your budget or economic situation is but at 470K a year you should be in pretty good shape regardless of the price of lumber.
by Redlion
Thu Sep 10, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Medical billing question
Replies: 8
Views: 712

Re: Medical billing question

I'd check with your insurer, I also have an HDHP in order to have access to an HSA, I had a colonoscopy last February, and was billed $750 for the facility and $1480 for Anesthesia, I checked with my Insurer Aetna, and they claimed it was preventative procedure and therefore the charge was covered a...
by Redlion
Thu Sep 03, 2020 11:51 am
Forum: Personal Investments
Topic: Convincing teenager to invest in Roth
Replies: 109
Views: 5937

Re: Convincing teenager to invest in Roth

When you are 14 its hard to imagine what a 4% withdrawal from a Roth is going be like in 50 years, Good advice but a little to premature for a teenager. When I was a teenager my Financial situation in my 60s was that last thing on my mind.
by Redlion
Thu Sep 03, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 89
Views: 7814

Re: Best Way to Watch British Mystery Shows

Cruise wrote: Wed Apr 15, 2020 4:28 am
jeanpierremelville wrote: Tue Apr 14, 2020 8:26 pm Dear Bogleheads,

What do you recommend for watching British mystery shows? I am particularly interested in detective dramas...
Closed Captioning!
Close Captioning unless you have an ear for British accents, and streamed video can often be garbled.
by Redlion
Tue Sep 01, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Used Car Sale - Please help negotiate
Replies: 21
Views: 1590

Re: Used Car Sale - Please help negotiate

Yes, make sure you get dealership fees included in the price, that could be an extra 2K not including the sales tax.
by Redlion
Wed Aug 26, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Baseball card grading
Replies: 12
Views: 1145

Re: Baseball card grading

I guess it all depends on the condition, I have 5000 baseball cards from the 60s and 70s with all the big names but to have any value they have to be in mint condition.
by Redlion
Tue Aug 18, 2020 8:11 am
Forum: Personal Consumer Issues
Topic: Where to find a quality, lower cost muscle car
Replies: 92
Views: 5817

Re: Where to find a quality, lower cost muscle car

Have you considered a Ford Crown Victoria P71 Police Interceptor? Body on frame, rear wheel drive, V8. Some have fire suppression systems and kevlar panels in the doors. They have a loyal following. Though not really a muscle car, they do turn heads. https://usercontent1.hubstatic.com/9824718_f520....
by Redlion
Sat Aug 15, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Chess.com, FICS or something else?
Replies: 12
Views: 1296

Re: Chess.com, FICS or something else?

Chess.com has many options and you do not have to pay anything unless you upgrade to having multiple puzzles or analyze your games, Even if you choose these features its not costly. Chess.com offers the opportunity to play opponents from all over the World allowing 10 minutes for each person, or you...
by Redlion
Sat Aug 08, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: Silver: The Forgotten Precious Metal?
Replies: 88
Views: 5080

Re: Silver: The Forgotten Precious Metal?

Back in 79 when the Hunt family cornered the market it shot way up but other than that its a flash in the pan.
by Redlion
Fri Aug 07, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10748
Views: 844851

Re: U.S. stocks continue to soar!

I can’t fathom why stocks are still going up..." but I will take it! Hospitals generally have higher returns than restaurants Hospitals have had to postpone or cancel huge numbers of elective procedures and delay patient treatments. If hospitals are filled to capacity for CODV at a cost of sev...
by Redlion
Fri Aug 07, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10748
Views: 844851

Re: U.S. stocks continue to soar!

I can’t fathom why stocks are still going up..." but I will take it! Hospitals generally have higher returns than restaurants Hospitals have had to postpone or cancel huge numbers of elective procedures and delay patient treatments. If hospitals are filled to capacity for CODV at a cost of sev...
by Redlion
Thu Aug 06, 2020 3:53 pm
Forum: Personal Investments
Topic: Bond Strategy in a low interest rate environment: BND vs. BIV
Replies: 6
Views: 801

Re: Bond Strategy in a low interest rate environment: BND vs. BIV

There is no need to time the Bond market, Back in March quite a few people on this site were selling there Equities as a result of the Pandemic.
by Redlion
Thu Aug 06, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on bonds from Fed decision...
Replies: 111
Views: 7932

Re: Thoughts on bonds from Fed decision...

I don't know much about the economic analysis of Bond rates,(My wife married me anyways) , all I know is the Vanguard Total Bond Fund and TSP F Fund (Total Bond Fund for Fed Government) is up 8% YTD and over 10% from a year ago. It could be headed for a bad year because of interest rates but from my...
by Redlion
Thu Aug 06, 2020 2:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10748
Views: 844851

Re: U.S. stocks continue to soar!

Dottie57 wrote: Thu Aug 06, 2020 2:41 pm I can’t fathom why stocks are still going up..." but I will take it!
Hospitals generally have higher returns than restaurants
by Redlion
Thu Jul 30, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: Increasing TSP Fund Expense Ratios
Replies: 54
Views: 3586

Re: Increasing TSP Fund Expense Ratios

ionball wrote: Mon Jul 27, 2020 2:34 pm I think your increased expense will be more than $40 on that $500k balance. Up from $210 to more than $250.
$40 on 500K is a small difference, Fidelity and Vanguard could also change their fee structure at some point. If retired once you get out of TSP you cannot get back in.
by Redlion
Thu Jul 30, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: "The Steak Dinner Annuity Pitch"
Replies: 114
Views: 12556

Re: "The Steak Dinner Annuity Pitch"

The Wizard wrote: Sat Dec 01, 2018 6:49 pm If I go to one of these steak dinners, I hope I can order my steak the way I like it.
If it comes overcooked, I'm leaving...
The Steak does not come until after the presentation which could be (2) hours.
by Redlion
Mon Jul 20, 2020 4:17 pm
Forum: Personal Investments
Topic: Why make a written financial plan?
Replies: 39
Views: 2518

Re: Why make a written financial plan?

I keep it simple, An Excel Spread to calculate my NW every quarter, and an Excel Spread sheet to track my Budget on a monthly basis.
by Redlion
Sun Jul 19, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31495

Re: What surprised you the most once you retired?

I think what surprised me most and still surprises me every day is all the very wealthy people who are still working. You know who they are as their names are often in the news. Sure, there are some wealthy people who are not working and their names are in the news, too, but I'm surprised by all th...
by Redlion
Sat Jul 18, 2020 2:14 pm
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 15395

Re: Retirees, share your epiphanies..

Does anyone here regrett not having kids, or not havijg enoguh kids ? Medicare age. Zero kids. Zero regrets. This is one of several reasons I bought long term care insurance when I was in mid-50s I believe most people do the opposite, They buy Long Term care Insurance to leave a sizable inheritance...
by Redlion
Sat Jul 18, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 15395

Re: Retirees, share your epiphanies..

Does anyone here regrett not having kids, or not havijg enoguh kids ? Medicare age. Zero kids. Zero regrets. This is one of several reasons I bought long term care insurance when I was in mid-50s I believe most people do the opposite, They buy Long Term care Insurance to leave a sizable inheritance...
by Redlion
Sun Jul 05, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Travel - How to get money back ?
Replies: 15
Views: 1395

Re: Chase Travel - How to get money back ?

Assuming you made the purchase on the credit card, I would try to get a hold of them and if you get a generic response I would dispute the credit card, I had tickets with Virgin Australia, Fiji Airways, and Air Niugini, The travel agent would not take the call and only sent auto generated response t...
by Redlion
Sun Jul 05, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 6208

Re: Who has long term care insurance?

I considered it at one time, but there is too much uncertainty, and insurance companies often will not pay having the process go through years of litigation. Additionally, I have no immediate heirs,and if I become mentally or physically incapacitated its not going to make much difference if I am bro...
by Redlion
Sat Jul 04, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 201
Views: 21298

Re: What to do with all this MONEY ?

Let me recommend a book for you (and others) to read, especially after everything we have all gone through this past year. "30 Lessons for Living" basically it is an interview with hundreds of older adults and the lessons they have learned over the years; it is great! One of items that mo...
by Redlion
Wed Jun 24, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: Malkiel weighs in on passive investing and alternatives to the 60/40...
Replies: 39
Views: 4818

Re: Malkiel weighs in on passive investing and alternatives to the 60/40...

My Bond holdings are in the TSP F Fund YTD 5.4% G Fund YTD 0.5% There is a lot of speculation about removing Bonds from the portfolio. I am aware that bonds will have bad year, but my plan is to stay the course which seems to be working ok this year considering the downturn in the markets this year.
by Redlion
Mon Jun 22, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 3822

Re: Tipping Tree Trimming

No, Tree Trimming is one of hundred of different services that are provided, I wish I got a dollar for every time someone posted something about tipping.
by Redlion
Thu Jun 18, 2020 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8217

Re: Would you rent your house to a famous athlete?

Renting to a famous person should promote the neighborhood and would be a good selling point in the future, for example saying "Tim Tebow used to live here" It would attract a lot of die hard fans.
by Redlion
Fri May 22, 2020 7:14 am
Forum: Personal Investments
Topic: Chasing Individual Stocks
Replies: 68
Views: 4873

Re: Chasing Individual Stocks

A friend bought $100K of FB at $147, at the time I thought he was nuts to take so much risk, well... he sold today at $230 making a cool $56,000 in profit for holding 30 days. Meanwhile my diversified index based portfolio has gone nowhere in the last Two and Half years Buying individual stocks is ...
by Redlion
Sun May 17, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6363

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

I had this problem myself with my Fidelity Visa card, I changed gas stations and I have all my automatic payments on a separate card to bypass the inconvenience should my card be compromised again .
by Redlion
Sun May 17, 2020 1:29 pm
Forum: Personal Investments
Topic: 500K to Invest
Replies: 9
Views: 1355

Re: 500K to Invest

What are you going to do for housing after you sell your house? If renting what is your annual budget? Your living situation should be a primary factor as to how you will allocate the 500K
by Redlion
Thu May 14, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 8287

Re: Should you include home equity in Net Worth?

What if you have a 2 million house in California and make minimum wage and have no retirement assets. I believe this is common if the home was purchased decades ago.
by Redlion
Thu May 07, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 258
Views: 22537

Re: What are you doing for haircuts due to coronavirus shutdown?

Not everyone feels comfortable cutting their own hair, I took a chance and got a $25 haircut from an ad on Craig's list. All turned out well
by Redlion
Sat May 02, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5619

Re: Why doesn't Porsche have better resale value?

I was looking at new Porsche's (Cayenne, Macan) along with some used ones. It seems like the Porsche resale value is not as good as Toyota or Honda. Does anyone know why? My best guess is because they are expensive to repair and maintain? Cayenne and Macan are a poormans Porsche, The 911 is flagshi...
by Redlion
Fri May 01, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2091
Views: 499825

Re: Share your net worth progression

In June 1986 I had nothing. By 1999 I thought I was rich. in 2000, 2008, and 2020 I became un-rich. Now I realize that I'll never be rich, but I'm doing pretty okay. FA says I can retire at 58 without taking a pay cut. How rich is "rich"? hehe Most of the posted numbers here are mind bogg...
by Redlion
Thu Apr 30, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: ??? Thomas Stanley - Stop Acting Rich book
Replies: 121
Views: 13628

Re: ??? Thomas Stanley - Stop Acting Rich book

The doctor is living a life that many people would consider "rich" in experiences. The farmer, on the other hand, retains the option to FIRE if (s)he so chooses. Not necessarily, Different strokes for different folks, While the Medical profession can be pretty rewarding others might prefe...
by Redlion
Wed Apr 29, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: ??? Thomas Stanley - Stop Acting Rich book
Replies: 121
Views: 13628

Re: ??? Thomas Stanley - Stop Acting Rich book

Regardless of Networth, A Farmer or a Physician has to be something you are passionate about. Some people prefer the quiet solitude of 5000 acres of open spaces while others prefer the excitement of crowded Emergency room.
by Redlion
Tue Apr 28, 2020 9:10 am
Forum: Investing - Theory, News & General
Topic: ??? Thomas Stanley - Stop Acting Rich book
Replies: 121
Views: 13628

Re: ??? Thomas Stanley - Stop Acting Rich book

Its give and take, Not everyone wants to live like a Peasant so they can be a Millionaire.