Search found 1571 matches

by hudson
Mon Jan 21, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 85
Views: 4106

Re: Is it ever worth purchasing an extended warranty for a vehicle?

I don't buy extended warranties because I think that they are a rip off. I've never had any regrets. I dislike the sales pitches for extended warranties. Before I drive to a dealer to close on my next vehicle, the salesperson will have to agree that there will be no sales pitch for an extended warra...
by hudson
Mon Jan 21, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Negotiating for CPO Toyota or Honda
Replies: 24
Views: 2379

Re: Negotiating for CPO Toyota or Honda

Have you looked at Carmax? They have a pretty good search feature. They include cars from a distance. No negotiating. According to Boglehead articles on Carmax, they are a little pricey but are straight shooters. I never have dealt with them but I wouldn't hesitate because of their excellent reputat...
by hudson
Mon Jan 21, 2019 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds for large part of Bond allocation smart?
Replies: 20
Views: 1755

Re: Muni Bonds for large part of Bond allocation smart?

In our taxable account, it is 100% muni bonds split evenly between MUB and HYD. We are in the highest income tax bracket John John, I like your placement of munis in taxable because of your high tax bracket. Munis also work fine in lower brackets, but I recommend that everyone spreadsheet or back o...
by hudson
Sun Jan 20, 2019 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: VNYTX: Municipal Bond Fund
Replies: 5
Views: 581

Re: VNYTX: Municipal Bond Fund

Hi Bogelheads, I have a question about VNYTX. I have $900k in this fund. I am a high income --$400k/yr--New York State resident. Right now we are getting monthly checks for around $2400 from this fund. Of course, this is tax free income. Is it possible for the fund in the future to have negative re...
by hudson
Sun Jan 20, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped dramatically, while credit has been frozen
Replies: 36
Views: 2658

Re: Credit score dropped dramatically, while credit has been frozen

dustinst22 wrote:
Sun Jan 20, 2019 2:08 pm
I think using credit cards optimally is part of becoming a personal finance samurai.
Agree! I like your wording!
by hudson
Sun Jan 20, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Myrtle Beach Restaurants
Replies: 15
Views: 1059

Re: Myrtle Beach Restaurants

I'd appreciate it if the OP gave a report after his/her visit. The best way to get an answer is to call a friend who lives there full time. I didn't call and went down for 2 days...with one eleven year old. These don't really fit the OP's criteria, but it's all I have. For breakfast, we pulled into ...
by hudson
Fri Jan 18, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7130

Re: How much house can I afford (really)?

If I were in your shoes, I would save the 700K and then decide if I want the house. I've been in your shoes on a lower scale. When the pressure to upgrade our house got really high, I put everything down on a piece of paper. The numbers didn't work. I'm glad that I decided against the upgrade. Later...
by hudson
Wed Jan 16, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3923

Re: Any good reason to get a smartwatch?

The older I get (I'm 35) the more I am confused by popular products. A good example is the increasing popularity of Alexa and similar devices, which companies are practically giving away because they want access to people's household conversations and habits, though the only benefit they provide th...
by hudson
Wed Jan 16, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5966

Re: Gillette Mach 3 alternatives

Gillette Mach 3 Turbo for at least the past decade, maybe 15 years. As satisfied with them today as I was yesterday, probably even more so. I always thought that the shaving instruments with all those extra blades were gimmicks. I always liked the 2 bladed Wilkinson Sword cheapos from Walmart. I ha...
by hudson
Thu Jan 10, 2019 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: How fast from a Mutual Fund to a Brokered CD at Vanguard
Replies: 3
Views: 395

How fast from a Mutual Fund to a Brokered CD at Vanguard

If I sell shares in a Vanguard Mutual Fund before 4:30, can I place an order for a brokered CD that evening with the proceeds?
by hudson
Mon Jan 07, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2684

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I declined the Mazda 108 month / 75k mile extended warranty since I know in general they are not worth the cost . However, the new sales pitch is that there at 20k computer chips vs. older cars that had 5k chips; primarily, due to new safety features - collision sensors, backup cameras, etc. Commen...
by hudson
Mon Jan 07, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2684

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I declined the Mazda 108 month / 75k mile extended warranty since I know in general they are not worth the cost . However, the new sales pitch is that there at 20k computer chips vs. older cars that had 5k chips; primarily, due to new safety features - collision sensors, backup cameras, etc. Commen...
by hudson
Sat Jan 05, 2019 5:34 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 324
Views: 93887

Re: My New Car Buying Tips

Thanks Denovo! I think that anything that works is good technique! When I make my calls, I'm usually referring to the last business day of the month. It's completely up to me if I want to extend for a day or two. I do get emailed or texted quotes...but not to pin anyone down really. I go with the ho...
by hudson
Thu Jan 03, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle says rebalancing is overhyped?!
Replies: 149
Views: 21091

Re: A great 2013 discussion brought back to life!

I haven't rebalanced, and I don't plan to; I remember reading this discussion in 2013. It reinforced my plan to skip rebalancing. I think that W.Bernstein also doesn't recommend rebalancing. I also don't have a written investment plan...an IPS. I decided to skip that. My IPS is to buy and hold safe...
by hudson
Thu Jan 03, 2019 7:46 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle says rebalancing is overhyped?!
Replies: 149
Views: 21091

A great 2013 discussion brought back to life!

I haven't rebalanced, and I don't plan to; I remember reading this discussion in 2013. It reinforced my plan to skip rebalancing. I think that W.Bernstein also doesn't recommend rebalancing. I also don't have a written investment plan...an IPS. I decided to skip that. My IPS is to buy and hold safe ...
by hudson
Thu Jan 03, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 324
Views: 93887

Re: My New Car Buying Tips

Another data point for Bogleheads, I was helping a co-worker get a base model Subaru Forester 2.5i, sticker of 26,300. Costco/TrueCar price was $27,400 OTD. OTD paid was $26,000, or $1,400 less than TrueCar and 2,800 less than sticker. First round quotes ranged from 26,600 to 29,400 i.e. beat TrueC...
by hudson
Tue Jan 01, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: keeping warm in outside windy, freezing temperature and also inside office
Replies: 35
Views: 2172

Re: keeping warm in outside windy, freezing temperature and also inside office

Hi Asking for help from east coasters :-) I live in north california where for a few months its cold and windy (does drop below freezing). I tend to wear jeans and i'll wear thermals underneath. works okay though still feel cold (i hate cold weather :-)). Now, when I go inside office its all warm a...
by hudson
Tue Jan 01, 2019 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Tax Free Muni Bonds
Replies: 12
Views: 1133

Re: Tax Free Muni Bonds

There's a lot of great advice above. Do munis fit you? Are you investing under 50K or over....or over 500K? AAA/AA munis are almost as safe as treasuries...you and most of us are very concerned about losing principal. CDs and treasuries are at the top of the pile for safety...but you already knew th...
by hudson
Mon Dec 31, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Free Muni Bonds
Replies: 12
Views: 1133

Re: Tax Free Muni Bonds

Looking for Tax-Free Muni bonds. I know Nuveen offers lots of bonds. A couple of questions: 1) Are bonds risk-free except if the county goes bankrupt? 2) How liquid are bonds? Thanks Andy2012, Maybe take a look at the ETF MUB: https://www.ishares.com/us/products/239766/MUB?cid=ppc:ishares_us:google...
by hudson
Sun Dec 30, 2018 6:31 am
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

VWIUX
Trailing Twelve Months Distributions 2.9%
AAA/AA 67%
ER .09
Holdings 58 Billion
Vanguard...Non Profit
Accrues Dividends....daily

MUB
Trailing Twelve Months Distributions 2.47%
AAA/AA 78%
ER .07
iShares...For Profit
Holding 12 Billion
Accrues Dividends....don't know
by hudson
Sat Dec 29, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Deluxe 2018 doesn't include Schedule D?
Replies: 35
Views: 2375

Re: H&R Block Deluxe 2018 doesn't include Schedule D?

I didn't read all the other replies but I "test printed" my return; schedule D is there. I have HR BLOCK DELUXE....2018.
by hudson
Sat Dec 29, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

ericcohen wrote:
Sat Dec 29, 2018 4:13 pm
hudson, these are the ones I'm looking closely at: USATX, HMKIX, HHMYX

:sharebeer
ERs are too high for me...all 3; It's tough for a fund with an ER around .5 to compete with a .09 or lower fund/ETF.
All 3 are low in AAA/AA bonds
by hudson
Sat Dec 29, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

have identified some good ones. None with an ER as low as the Vanguard, but ~.45 and 5 star performance. There are articles out there that identify the 20 top muni funds...or the 100 top muni funds. Stars may even be given. I don't know about anyone else, but those articles and stars don't help me....
by hudson
Sat Dec 29, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

As far as ETFs go MUB isn't bad with a .07 ER. It's AAA/AA percentage is right up there with VWIUX.
VTEB might be worth a look, but it's longer munis.


Way off the subject...but
VWIUX accrues dividends daily....not sure if MUB does the same thing. TLH might not work as well with MUB?
by hudson
Fri Dec 28, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

Looks like I can't invest in VWIUX as I'm with Fidelity. They let me pick VWTUX. The ER is higher for that one and a high commission. Not the end of the world though. For all those talking about diversification, why can't I get diversification in a 100k bond portfolio. With that amount one could re...
by hudson
Fri Dec 28, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 3844

Re: PenFed 3% CDs maturing: Thank you Bogleheads

I don't like Penfed's withdrawal penalty so I'm going to move it to Vanguard and go with VWIUX...Vang.'s Intermediate Muni or a 5 year 3.5% brokered CD. VWIUX would yield more after taxes, but it has more risk. Maybe I'll do 50-50. I'm more interested in the return of my money that the return on my...
by hudson
Fri Dec 28, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: How to monitor elderly parents' finances to protect them from fraud
Replies: 15
Views: 666

Re: How to monitor elderly parents' finances to protect them from fraud

Hi everyone. My parents are just about to retire (albeit rather late) and are, knock on wood, financially well-prepared. While they're mentally sharp today, I worry that when their abilities decline, they could become a target for fraud--from email phishing attacks, to fake "IRS" phone call scams, ...
by hudson
Fri Dec 28, 2018 5:21 am
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

That's very helpful, hudson. Do you know if those SEC yields are pre expense or post expense? Assuming both funds yield 3% pre expense: (1) after tax yield on the AL fund is $2180 (3000 of tax free income - 820 expense ratio). (2) after tax yield on the Vanguard fund would be $2764 (3000 of income ...
by hudson
Thu Dec 27, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

That's very helpful, hudson. Do you know if those SEC yields are pre expense or post expense? Assuming both funds yield 3% pre expense: (1) after tax yield on the AL fund is $2180 (3000 of tax free income - 820 expense ratio). (2) after tax yield on the Vanguard fund would be $2764 (3000 of income ...
by hudson
Thu Dec 27, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

The good: It's 85% AAA/AA...mostly AA The good: no load The bad: .82 Expense Ratio...VWIUX is .09 That's $820 per year for a $100,000 investment. VWIUX is $90 per year. If you want, do the math comparing an investment in VWIUX to DUALX....go for your after tax result. I predict that Vanguard VWIUX w...
by hudson
Thu Dec 27, 2018 5:32 am
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

I'm as confused as the OP with the muni market. I'm looking to invest in an individual state muni fund with an expense ratio of .8. Is that too high? I plan on holding for 4-7 years.Unfortunately my state doesn't have a lot of muni funds and that is the one that is best and has the lowest ER. The o...
by hudson
Wed Dec 26, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 3844

Re: PenFed 3% CDs maturing: Thank you Bogleheads

I don't like Penfed's withdrawal penalty so I'm going to move it to Vanguard and go with VWIUX...Vang.'s Intermediate Muni or a 5 year 3.5% brokered CD. VWIUX would yield more after taxes, but it has more risk. Maybe I'll do 50-50. I'm more interested in the return of my money that the return on my...
by hudson
Tue Dec 25, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 3844

Re: PenFed 3% CDs maturing: Thank you Bogleheads

I don't like Penfed's withdrawal penalty so I'm going to move it to Vanguard and go with VWIUX...Vang.'s Intermediate Muni or a 5 year 3.5% brokered CD. VWIUX would yield more after taxes, but it has more risk. Maybe I'll do 50-50. I'm more interested in the return of my money that the return on my ...
by hudson
Tue Dec 25, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Enjoy a lump of KOL
Replies: 14
Views: 1976

Re: Enjoy a lump of KOL

HEDGEFUNDIE wrote:
Tue Dec 25, 2018 12:03 pm
No thanks, I prefer getting a TAN.
Ha...it's solar...expense ratio .65

https://finance.yahoo.com/quote/TAN?ltr=1
by hudson
Tue Dec 25, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Enjoy a lump of KOL
Replies: 14
Views: 1976

Re: Enjoy a lump of KOL

tadamsmar wrote:
Tue Dec 25, 2018 9:05 am
The coal index fund (KOL) is well into bear territory, looks like a good buy.
Expense ratio .6

https://www.vaneck.com/etf/equity/kol/overview/
by hudson
Sun Dec 23, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

It's very hard for the newbie to buy individual munis. If you have a "specialist" selling them to you, I'll bet that you'll get a haircut without knowing it. I've looked at buying individual munis...especially those from my state. I've looked at all the single state funds for my state; the expense r...
by hudson
Sun Dec 23, 2018 5:34 am
Forum: Investing - Help with Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 5560

Re: what to do with cash if very risk averse?

Thanks again. After all this new information I feel like its going to take me a while to go through it all. For now, is there anywhere I can dump the money so that at least it's working for me. Ive had it in a Chase savings account for a couple months already and should probably move it somewhere m...
by hudson
Sat Dec 22, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: What is your TLH threshold?
Replies: 33
Views: 1475

Re: What is your TLH threshold?

I don't think one can or should have a numeric or percentage threshold at all. For me, I will TLH something if is it convenient to do so OR if it will simplify my portfolio OR if near the end of the calendar year OR if a position is about to go long-term (I always TLH a loss while it is still short...
by hudson
Fri Dec 21, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13141

Re: Is anyone's portfolio not tanking???

Conservative....old school...
I would guess that the frugal folks with no debt that live off of social security and a pension.
They believe that equities are too risky and invest in high quality fixed income.
Very few on this forum would fit this description. Don't throw me in that briar patch!
by hudson
Tue Dec 18, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 5285

Re: Marriage and separate accounts - how does it work?

We've been married over 40 years...both retired. We've used separate accounts except for maybe the first year. We used to split bills until the house and kids college bills were paid off. Now she pays for her gas, food, her medical, her clothes, and gifts. She can buy what she wants without asking m...
by hudson
Mon Dec 17, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Uninterruptible power supplies (UPS) battery backups: Need advice
Replies: 23
Views: 1537

Re: Uninterruptible power supplies (UPS) battery backups: Need advice

At home, I do not swap batteries. I just replace the unit. Wondering why you just replace the whole unit-is it just not worth the hassle or are there some other things to consider? Again, I probably had 100 UPSs to look after. I've replaced many batteries in UPSs and had to come back in a month or ...
by hudson
Sun Dec 16, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Uninterruptible power supplies (UPS) battery backups: Need advice
Replies: 23
Views: 1537

Re: Uninterruptible power supplies (UPS) battery backups: Need advice

I have several of these in my home and find their batteries usually fail in about 12-18 months. Has anyone used UPS supplies with replaceable batteries? Seems to be a cheaper solution than replacing the whole unit every time the battery fails. Wondering how easy it is to swap the batteries and whet...
by hudson
Sat Dec 15, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6060

Re: Should I buy a Tesla?

Pennylane,

I use James Bragg's model when purchasing a new car. His website is fightingchance. When getting a price for a new car, I don't include the sale of my old vehicle. I keep that separate.

Consider reading this discussion: viewtopic.php?f=11&t=124638
by hudson
Fri Dec 14, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2759

Re: My PenFed 5 yr CDs are maturing

Prudence wrote:
Fri Dec 14, 2018 11:20 am

What's VWIUX?
Sorry...VWIUX is Vanguard's Intermediate Term Muni.

https://investor.vanguard.com/mutual-fu ... file/vwiux

VWIUX...TTM or trailing twelve months yield is 2.9%
by hudson
Fri Dec 14, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2759

Re: My PenFed 5 yr CDs are maturing

I have one 5 year CD expiring in Dec....another in January. Penfed does have a 5 year 3.50% CD. Here are the early withdrawal rules for 5 year CDs: 2) Certificates Having a Term Greater Than Six Months. a) If redeemed within the first year, all dividends will be forfeited. b) If redeemed thereafter,...
by hudson
Fri Dec 14, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 5408

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

On the toilet paper one, I've just given up. I find a brand that I like, and just keep getting it. The toilet paper aisle can drive someone mad. Me too... For paper towels, I just buy the biggest rolls of the store brand that I can find. For TP, I just get Quilted Northern Ultra Plush...Mega 48...1...
by hudson
Thu Dec 13, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6060

Re: Should I buy a Tesla?

pennylane, I would never personally buy anything like that unless: I was debt free. I had what I considered to be an adequate sized pile of AAA/AA fixed income investments to weather any "storms". I was maxing out all available retirement opportunities including ibonds. After saying that, it looks l...
by hudson
Mon Dec 03, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand "Payout Rate" for an Annuity
Replies: 58
Views: 3407

Re: Help me understand "Payout Rate" for an Annuity

I have been casually playing with a few different annuities (Immediate Annuities.com) and one question that continues to puzzle me is the "Payout Rate" .....snip.... I am not planning to purchase an annuity at this time....I am just trying to understand them better. You probably already do this... ...
by hudson
Sun Dec 02, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: A paid off house
Replies: 10
Views: 2744

Re: A paid off house

I'm retired but not 80. My mid 70s house has been updated and is well maintained. Plan A is to hang on; I don't have a Plan B, but it wouldn't take long to figure out. The house and garden give me great challenges and lots to do. I can't imagine living in an apartment or condo. The last time I lived...