Search found 22 matches

by Speckles
Tue Nov 19, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Need some Xmas Suggestions
Replies: 19
Views: 1568

Re: Need some Xmas Suggestions

Your granddaughters may be a bit old for this idea, but I’ll let you decide. It is more about presentation than the present in this case. The concept is a “treasure hunt” or “solve a mystery”. You wrap up a box that contains the first clue and a very romantic back story to go with it. “A long time a...
by Speckles
Wed Nov 13, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4434

Re: Is LastPass still top in security, any reason to switch?

“A Rose ...”, thank you for the advice. Much appreciated.
by Speckles
Wed Nov 13, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4434

Re: Is LastPass still top in security, any reason to switch?

Is the Apple keychain still a suitable choice or should a security-conscience person upgrade to something better?

I appreciate the discussion on this topic. Thanks for posting OP. Input from others in the field is very helpful
by Speckles
Sat Nov 09, 2019 1:55 pm
Forum: Investing - Theory, News & General
Topic: US Bonds in free fall
Replies: 46
Views: 4698

Re: US Bonds in free fall

A smart Boglehead on one of the “stock prices are falling” threads had some actionable advice I liked. Translated to “bond prices falling” it means ... it’s a favorable time for an in-kind conversion (of bond funds) from my IRA to my Roth IRA. Even though it’s a small drop in bond fund prices, I lik...
by Speckles
Thu Oct 10, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121484

Re: What frugal thing did you do today?

Humm ... ate from the garden, then dug the carrots and potatoes for winter. Yum.

The bean seeds are drying for next year’s planting. I count the veggie garden as my second job.
by Speckles
Fri Sep 27, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: Fidelity - No fiduciary policy?
Replies: 16
Views: 1162

Fidelity - No fiduciary policy?

Bogleheads, I'm surprised and disappointed on Fidelity's lack of transparency regarding fiduciary responsibilities to clients. 1. Today I was told that Fidelity does not have a written policy on when their representatives are acting in a fiduciary capacity and when they are not. Is this typical? 2. ...
by Speckles
Thu Sep 19, 2019 11:39 pm
Forum: Investing - Theory, News & General
Topic: Interest Rate Risk: Two Views
Replies: 126
Views: 9062

Re: Interest Rate Risk: Two Views

Horton, Thank you for the great explanation and “how to” on implementing the strategy. If I understand you and Vineviz correctly, both of you agree that View #1 is a common, but incorrect way to view the financial impact of a bond investment. For this hypothetical example, would you please explain h...
by Speckles
Wed Sep 18, 2019 6:42 pm
Forum: Personal Investments
Topic: Recent Retireee Requesting Portfolio Review
Replies: 1
Views: 322

Recent Retireee Requesting Portfolio Review

Thank you for allowing a recent retiree to request a portfolio review. I’m embarrassed to admit to my current “portfolio”. I’m anxious to get myself on solid ground. Emergency funds: Yes - 2 years Debt: $0 debt Tax Filing Status: Single Tax Rate: 24% Federal (marginal) due to planned Roth conversion...
by Speckles
Thu Sep 12, 2019 12:03 am
Forum: Personal Consumer Issues
Topic: What older products/tools are better than modern equivalents?
Replies: 54
Views: 4366

Re: What older products/tools are better than modern equivalents?

Recipes. Old recipes used ingredients I recognized. Also, those old recipes had a millions ways to make flour, milk, eggs, salt and pepper into a million tasty meals.
by Speckles
Thu Sep 05, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Are you thinking about having a home healthcare aide instead of moving to a retirement home?
Replies: 33
Views: 2535

Re: Are you thinking about having a home healthcare aide instead of moving to a retirement home?

For your consideration, there are also personal care homes (PCH).These are state-regulated small faculties, typically rum by an individual or family in their own home. Each personal care home accepts 2-5 residents typically. The PCH provides homemade meals, any needed personal assistance like washin...
by Speckles
Sun Aug 18, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: Precalculus Problem
Replies: 9
Views: 1178

Re: Precalculus Problem

Off the top of my head, I’d say A=(x *0.5x)/2. From the coordinates given, we know x=2 and y=1. So y= 0.5x. We know the area of a right triangle is A=(x*y)/2. When you substitute in 0.5x for y, in the equation, voila! You could also reduce the equation further. Gee, I hope I’m right! I forget what d...
by Speckles
Sat Aug 17, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4954

Re: Brown Bag Lunch Ideas

For a filling hot lunch, I like stuffed sweet potatoes. Cut the sweet potato in half, add apple slices raisins and a sprinkle of cinnamon. I also like stuffed white potato with peas, or beans. Yogurt instead of butter. A little bit goes a long way. Other days I just bring a bag of frozen veggies to ...
by Speckles
Fri Aug 16, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8938

Re: Taking a break in your 50s: Is it the kiss of death?

I’ve taken several breaks in my career. They have been 3-12 months each. The last few times, I’d been employed in consulting, so it was pretty easy. Each time I was scared to death that I would never find a professional, well-paying job again. Each time I was wrong, even in my 50’s. I came back refr...
by Speckles
Tue Aug 06, 2019 11:26 pm
Forum: Personal Investments
Topic: Requesting Portfolio Review
Replies: 3
Views: 600

Re: Requesting Portfolio Review

Thank you both for your wise input. I think I over-thought this whole thing. I re-read the wiki on 3-fund portfolios. Your point regarding the ongoing level of effort and complexity resonated with me. It also made me more comfortable with converting to a 30/70 plan now. It just feels right. I don’t ...
by Speckles
Tue Aug 06, 2019 2:44 am
Forum: Personal Investments
Topic: Requesting Portfolio Review
Replies: 3
Views: 600

Requesting Portfolio Review

Hello Bogleheads,

Thank you for allowing a newbie to request a portfolio review.
Specks
by Speckles
Sat Aug 03, 2019 1:25 am
Forum: Personal Investments
Topic: Buying Treasuries at Broker?
Replies: 7
Views: 659

Re: Buying Treasuries at Broker?

Uhh ... I thought the coupon rate was set and we buyers bid on the purchase price. At least that’s what happens on the Fido website.

As I indicated, I’m confused. I’ll check past purchases tomorrow.
by Speckles
Fri Aug 02, 2019 11:51 pm
Forum: Personal Investments
Topic: Buying Treasuries at Broker?
Replies: 7
Views: 659

Re: Buying Treasuries at Broker?

Thanks for the insight. I buy the TIPS in a tax-deferred account, per the conventional wisdom. Thanks for asking!
by Speckles
Fri Aug 02, 2019 11:00 pm
Forum: Personal Investments
Topic: Buying Treasuries at Broker?
Replies: 7
Views: 659

Buying Treasuries at Broker?

I’m confused! I was recently going to buy some TIPS at auction (non-competitive tender) and saw both Fido and Vanguard execute the sale commission-free. I also considered treasurydirect.com. The confusing part was that for the same CUSIP number, Fido was advertising it as zero coupon, while Vanguard...
by Speckles
Wed Jul 24, 2019 1:58 am
Forum: Personal Investments
Topic: LMP: Is it OK to use mutual funds instead of treasuries/TIPS/CDs?
Replies: 57
Views: 4505

Re: LMP: Is it OK to use mutual funds instead of treasuries/TIPS/CDs?

Some 401k plans allow you to rollover into an IRA at 59 1/2 years old without penalty instead of when you leave the company. Your employer d has the option to include this provision in their 401k plan. I was successful in convincing my employer to change their 401k benefit to allow this. You might w...
by Speckles
Mon Jul 22, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Tablet/cell phone combo
Replies: 13
Views: 1007

Re: Tablet/cell phone combo

Thanks to everyone for the replies. I appreciate the creative ideas.
by Speckles
Mon Jul 22, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Tablet/cell phone combo
Replies: 13
Views: 1007

Re: Tablet/cell phone combo

Thank you for the good ideas. The product I’m referring to is also called a “phablet”. They are popular in Asia. I should clarify my question, since the cell phone part is important to me. I currently have an expensive “home phone” service. If feasible, I’d like to replace it with a cheap pre-paid c...
by Speckles
Sun Jul 21, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Tablet/cell phone combo
Replies: 13
Views: 1007

Tablet/cell phone combo

I am considering buying a tablet that could also be used to make phone calls (like a cell phone does), some web browsing and email. I’m hoping to keep the purchase price low - about $100 or less. I see some advertised as a “phablet”, but the brand names are new to me. Sure would add some flexibility...