Search found 505 matches

by rotorhead
Thu Jan 21, 2021 10:43 am
Forum: Investing - Theory, News & General
Topic: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“
Replies: 28
Views: 2514

Re: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“

Once again, P. T. Barnum is being proven right! I wonder what Bernie Madoff must be thinking about this craze. Perhaps, "Wow! If i'd had this, I could have done it all much easier; and wouldn't have had to pay the price." And one of my favorite quotes from President Truman, who often said,...
by rotorhead
Thu Jan 21, 2021 10:16 am
Forum: Personal Investments
Topic: problem with Vanguard's "Calculate your RMD amount"
Replies: 17
Views: 1553

Re: problem with Vanguard's "Calculate your RMD amount"

gwe67, I just tried it on my wife's account; and website seems to be responding properly. I have found sometimes when a website responds in a strange way, I turn off my browser's pop-up blocker, and/or the ad blocker; and that clears it up. Have you tried logging in from different computer; or from ...
by rotorhead
Sun Jan 17, 2021 9:52 am
Forum: Personal Consumer Issues
Topic: Old Apple iPhone - Worth Replacing Battery?
Replies: 33
Views: 1968

Re: Old Apple iPhone - Worth Replacing Battery?

Re: Old Apple iPhone - Worth Replacing Battery? Post by Dicast » Sat Jan 16, 2021 5:47 pm I have fixed a few of my iphones and replaced a few batteries over time. Buy the tool kit from ifixit and then just buy the batteries if you want to save money. https://www.ifixit.com/Guide/iPhone+SE+ ... ment...
by rotorhead
Thu Jan 14, 2021 12:20 pm
Forum: Personal Consumer Issues
Topic: Aetna Home Medical Assessment
Replies: 11
Views: 4488

Re: Aetna Home Medical Assessment

OP & others, My wife and I both are Aetna customers; she for 3 years now, and I'm in my second year of coverage. We received a number of calls "on behalf of Aetna", for this type of service. I believe they are a contractor that Aetna has enlisted to do this. As others have stated, I be...
by rotorhead
Sat Jan 09, 2021 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Weird Phone Conversation with Fidelity
Replies: 56
Views: 5455

Re: Weird Phone Conversation with Fidelity

Re: Weird Phone Conversation with Fidelity
Post by Jack FFR1846 » Sat Jan 09, 2021 7:04 am

Dave's not here, man.
Love that! Maybe not too many here remember Cheech & Chong.

What a pair! :)
by rotorhead
Sun Jan 03, 2021 10:32 am
Forum: Investing - Theory, News & General
Topic: After-Tax Contributions vs. Taxable Accounts
Replies: 13
Views: 1004

Re: After-Tax Contributions vs. Taxable Accounts

OP, Svensk Anga has it right. If you do the after tax 401a and don’t get the option to back door it to Roth, you are signing up for tracking your basis for the life of your tax deferred accounts, in order to avoid paying tax on it twice. Your heirs may not know of the basis and get over taxed. I am ...
by rotorhead
Sat Jan 02, 2021 9:36 am
Forum: Personal Consumer Issues
Topic: Where to register and insure RV if stored at our second home out of state?
Replies: 13
Views: 816

Re: Where to register and insure RV if stored at our second home out of state?

Why don't you just ask Florida & Alabama? Seems simple enough to go straight to the source.
by rotorhead
Wed Dec 30, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: Passport Renewal
Replies: 28
Views: 4411

Re: Passport Renewal

I thought I would resurrect this thread with fresh information in case it might be helpful to others. Mailed wife's passport renewal application via Certified Mail, to Philadelphia office on Nov 9th. Was delivered to PP office on Nov 19. Check deposited on Nov 23rd. We paid extra for expedited handl...
by rotorhead
Tue Dec 29, 2020 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help requested. Joint investment account for parents.
Replies: 4
Views: 306

Re: Help requested. Joint investment account for parents.

ChicagoWolverine, I did just this sort of thing some years ago with my widowed mother. I did it with Vanguard. Opened a Joint Account, which permitted me to access the account and do all the admin stuff, plus direct the investment; and effectively manage the account. In her case, since it was a taxa...
by rotorhead
Tue Dec 29, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Is There a "Bogleheads" for Health and Medical Issues
Replies: 31
Views: 2762

Re: Is There a Bogleheads for Health and Medical Issues

Small Law Survivor, the internet is your friend. Here are just a couple of links to some very informative web sites. https://www.mayoclinic.org/ https://www.webmd.com/ I have found that just typing into your url bar what information you seek, you'll get enough hits that you can find what you are loo...
by rotorhead
Sat Dec 26, 2020 10:34 am
Forum: Forum Issues and Administration
Topic: Time to give to this website
Replies: 88
Views: 7689

Re: Time to give to this website

Have just made my donation. Would also like to add my thanks and appreciation to all the folks that make this wonderful resource what it is! Without question, Bogleheads.org is the finest "go to place" for personal investors, for wide variety of financial matters. Thank you all again, so v...
by rotorhead
Fri Dec 25, 2020 1:53 pm
Forum: Non-US Investing
Topic: Relocating to Hong Kong
Replies: 4
Views: 1454

Re: Relocating to Hong Kong

HKexpat, welcome to the forum. Since you will be a "non U.S." person after relocating to Hong Kong, it might be good idea to not continue the Vanguard account. Mis-representing your physical address to Vanguard might become an issue that would come back and bite you later on. Who knows? If...
by rotorhead
Sat Dec 19, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: New Phone and Transferring Data
Replies: 3
Views: 437

Re: New Phone and Transferring Data

I don't use the cloud for storage; but use the Samsung "Smart Switch" application to transfer data; and back up my Samsung S8. https://www.samsung.com/us/apps/smart-switch/ Easy to set up; and works very well for me. Have been very pleased with my S8 by the way; so if S10 is as good or bet...
by rotorhead
Fri Dec 11, 2020 10:31 pm
Forum: Personal Investments
Topic: FSKAX down 1.43% today?
Replies: 23
Views: 2305

Re: FSKAX down 1.43% today?

Re: FSKAX down 1.43% today? Post by FIREchief » Fri Dec 11, 2020 7:11 pm rotorhead wrote: ↑Fri Dec 11, 2020 6:56 pm It's a good thing, you now have more shares. Unless, of course, the investor has turned off automatic reinvestment (for good reasons like TLH opportunities). 8-) True; but I should th...
by rotorhead
Fri Dec 11, 2020 6:56 pm
Forum: Personal Investments
Topic: FSKAX down 1.43% today?
Replies: 23
Views: 2305

Re: FSKAX down 1.43% today?

S00pr sav3r, I see from your number of posts, you're fairly new to the forum. Every year, in December, many funds pay dividends/distributions, etc. On the day that occurs, the fund value drops proportionally. Value of your holdings doesn't change. It's a good thing, you now have more shares. I'm loo...
by rotorhead
Fri Dec 11, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan
Replies: 92
Views: 3793

Re: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan

We switched to Consumer Cellular 6 years ago, & haven't looked back. 3 phones, unlimited talk & text, + 3.0 gb data for $60+ tax per month. Port your existing numbers over first, before cancelling the ATT service. You can buy new unlocked phones from anyone. Lots of good deals on ebay. We ha...
by rotorhead
Tue Dec 08, 2020 5:15 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle credit cards you no longer use?
Replies: 85
Views: 5626

Re: How do you handle credit cards you no longer use?

Don't obsess over credit score. I closed out a card I had had for nearly 50 years; barely made a dent in my score. If you don't need them close them.
by rotorhead
Sat Nov 07, 2020 7:09 am
Forum: Personal Investments
Topic: which bond funds for a 6 year term?
Replies: 21
Views: 1736

Re: which bond funds for a 6 year term?

Re: which bond funds for a 6 year term? Post by anthro » Fri Nov 06, 2020 1:28 pm Again, thanks for the replies. Tim, I've thought about the total bond index, but I've worried that if interest rates go up, the value of the shares might go down too much. What I don't understand is---if the duration ...
by rotorhead
Fri Nov 06, 2020 11:11 am
Forum: Personal Investments
Topic: which bond funds for a 6 year term?
Replies: 21
Views: 1736

Re: which bond funds for a 6 year term?

anthro, I'm not a bond "expert" by any means; but also, I do not believe in letting money just sit there earning virtually nothing. I think you can invest this trust's money safely; and get some return in the process. Sure, interest rates can go up, and bonds go down; but this doesn't happ...
by rotorhead
Sat Oct 03, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: Pirates of the High Dividends
Replies: 80
Views: 8833

Re: Pirates of the High Dividends

Op, having fun and playing with your money is one thing; but growing your investment to achieve a comfortable and happy retirement is another. Not too long ago, on one of the discussion threads here, someone posted an adage, "Handling your money is like handling a bar of soap. The more you touc...
by rotorhead
Fri Oct 02, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can Appraisal from recent refinance be used for HELOC? And other HELOC questions
Replies: 20
Views: 1072

Re: Can Appraisal from recent refinance be used for HELOC? And other HELOC questions

Re: Can Appraisal from recent refinance be used for HELOC? And other HELOC questions Unread post by itsallaboutme » Fri Oct 02, 2020 7:24 pm rotorhead wrote: ↑Fri Oct 02, 2020 4:31 pm OP, we currently have a 10-year HELOC with Third Federal; and have found them most co-operative to deal with. It's ...
by rotorhead
Fri Oct 02, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can Appraisal from recent refinance be used for HELOC? And other HELOC questions
Replies: 20
Views: 1072

Re: Can Appraisal from recent refinance be used for HELOC? And other HELOC questions

OP, we currently have a 10-year HELOC with Third Federal; and have found them most co-operative to deal with. It's been 3 years now. They did a "desktop" appraisal of our home; which was unencumbered at the time; so it was pretty straightforward. Might be a bit different in your case. Our ...
by rotorhead
Mon Sep 28, 2020 9:09 pm
Forum: Personal Consumer Issues
Topic: Buying a Used Car
Replies: 26
Views: 2319

Re: Buying a Used Car

Autotrader.com is great resource to scan what's available in your area, & the asking prices. I have found it very useful.
by rotorhead
Sat Sep 26, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5670

Re: What can I expect from new golf clubs

This is a great thread, OP. Lots of good advice here. There’s no question you need newer clubs, not necessarily new clubs; & most likely senior shafts. The technology has improved dramatically in the past 20 years. Lots of good, used clubs for sale – Ebay is good source. The bigger golf stores h...
by rotorhead
Sat Sep 19, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Cancelling Old Credit Card Effect on Credit Score
Replies: 18
Views: 1483

Re: Cancelling Old Credit Card Effect on Credit Score

Don't obsess over your credit score. Life goes on. Several years ago I cancelled my American Express card after having had it for nearly 50 years. No appreciable difference in credit score. High 800's for long time now.
by rotorhead
Mon Aug 17, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Is Ting messing with us?
Replies: 23
Views: 2201

Re: Is Ting messing with us?

Re: Is Ting messing with us? Post by Tubes » Mon Aug 17, 2020 6:32 am Consumer Cellular may be marketed to old people, but I like it. They run on either T-mobile or AT&T network. They will likely try to default you to the T-mobile network. However, you can request and insist on a AT&T SIM. ...
by rotorhead
Sat Aug 08, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2748

Re: New refrigerator

We've had good luck with our GE appliances, and not sure we'll buy them in future; but our current side-by-side GE fridge/freezer is still going strong after 25 years. Model TFX22ZRS. Bit noisy now, but bearable; and I did replace the water module about 10 years ago. Been working fine since. Also ha...
by rotorhead
Fri Aug 07, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? ...Four Years Later
Replies: 255
Views: 43038

Re: Learning Violin as an adult? 2020 update

Congratulations investingdad on your accomplishment. Your dedication to the effort is admirable. I haven't read the whole thread here; but your account reminds me of a story I read quite some years ago written by a man who decided to do similar thing. I can't remember if the instrument was the violi...
by rotorhead
Sun Jul 26, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a large beach rental in Florida
Replies: 8
Views: 827

Re: Recommendations for a large beach rental in Florida

ThankYouJack, you should narrow your search a bit, to a specific area of Florida; and perhaps you'll get better, more appropriate responses. Florida is actually a very large state; and there is a heck of lot of difference between Pensacola and Key West, or Naples and Jacksonville, or Miami and Tampa...
by rotorhead
Sun Jul 26, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a property in central Florida a good idea or not
Replies: 49
Views: 4929

Re: Buying a property in central Florida a good idea or not

I wouldn't do it, Elysium. Have you ever been an absentee landlord? If you haven't been, you should talk to some people who have been. I live in Florida, Atlantic side; and wild horses couldn't drag me to the Orlando area. The heat and the humidity in summertime is absolutely brutal. It's also way o...
by rotorhead
Fri Jul 24, 2020 7:37 pm
Forum: Personal Investments
Topic: Fidelity limited margin feature - a hindrance
Replies: 9
Views: 792

Re: Fidelity limited margin feature - a hindrance

Margin trading is not a big Boglehead thing as far as I understand. Not sure what the actionable issue is.
by rotorhead
Fri Jul 24, 2020 10:28 am
Forum: Personal Investments
Topic: Please help me choose a bond fund with my new Fidelity 403b
Replies: 12
Views: 883

Re: Please help me choose a bond fund with my new Fidelity 403b

sunny skies, I too, strongly endorse the Vanguard Intermediate Bond Fund, VBILX. That is the bond holding in my wife's IRA for more than 7 years now; and we've been extremely pleased with the returns.
by rotorhead
Fri Jul 24, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Another Used Car Thread
Replies: 32
Views: 2248

Re: Another Used Car Thread

Tripleleaf444, sounds like you've given this a lot of thought; and have been doing appropriate research. If you haven't looked at AutoTrader.com, I suggest you take a look there: https://www.autotrader.com/ Great resource. Just go to the site, type in your zip code, and follow the bouncing ball. Als...
by rotorhead
Wed Jul 22, 2020 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a House with Elderly Parent: Many Questions...
Replies: 39
Views: 2376

Re: Buying a House with Elderly Parent: Many Questions...

I would not buy the house jointly. Many years ago we were faced with similar situation. To accommodate my disabled father, and my mother; at our insistance, they sold their home and put the money in the bank. My wife and I purchased a house in our names , and concurrently had an attorney draw up a c...
by rotorhead
Fri Jul 17, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher control board - repair or buy new dishwasher?
Replies: 13
Views: 962

Re: Bosch dishwasher control board - repair or buy new dishwasher?

Appliance Parts Pro is your friend. Very helpful website. I have repaired dishwasher, dryer and refrigerator with their help. Take a look. https://www.appliancepartspros.com/
by rotorhead
Thu Jul 09, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Sports drink preferences
Replies: 61
Views: 3055

Re: Sports drink preferences

Summertime golf in South FL is brutal. I find eating a banana (or 2) during the round, plus a pkg of Ritz peanut butter crackers helps; and I drink 2-3 .5 liter bottles of water spiked with Propel. Strawberry/Kiwi is my favorite. I don't know if it really helps or not; but, I think it does.
by rotorhead
Tue Jun 16, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best HELOC company?
Replies: 28
Views: 2095

Re: Best HELOC company?

We have had HELOC with Third Federal for several years now; and found them very easy to do business with. We haven't any balance on the account right now, and just pay the $65 yearly fee to keep it active. Pretty cheap back up plan for the "just in case" event.
by rotorhead
Mon Jun 15, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: Pocket Key Case
Replies: 6
Views: 613

Re: Pocket Key Case

Hello AAA, I too, like to carry a key case. It protects my keys, and my clothes very nicely. I find the "squeeze" top opening very convenient. The one I presently have is German made; very nice one, but I can't make out the name since it's worn so much now. Have had this one about 5 years ...
by rotorhead
Fri May 29, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: XFINITY Mobile new phone SIM swap
Replies: 10
Views: 1448

Re: XFINITY Mobile new phone SIM swap

I have done several cell phone upgrades over the years. None with Xfinity; but I believe at some point in the exercise, you must register the the phone's IMEI (International Mobile Equipment Identity) with your provider, so their network will recognize it as you. I use a MVNO who uses the AT&T n...
by rotorhead
Tue May 26, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: Has anybody heard of DriverLoan Investor Club?
Replies: 30
Views: 5959

Re: Has anybody heard of DriverLoan Investor Club?

Loved the Turbo Encabulator video! What a hoot!

Sounds a lot like some of the free lunch financial presentations being touted here in South Florida during snowbird season. 8-)
by rotorhead
Mon May 25, 2020 5:12 pm
Forum: Investing - Theory, News & General
Topic: Has anybody heard of DriverLoan Investor Club?
Replies: 30
Views: 5959

Re: Has anybody heard of DriverLoan Investor Club?

FinKnight19, I see by your bio you've been a Boglehead little over a year, but this is your first post. If you have been reading any of the discussions on this forum, I'm surprised that you would even post such a question about such a dubious investment. Forgive my bluntness, but the old adage of &q...
by rotorhead
Fri Mar 20, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: American purchasing a car in Canada - things to consider?
Replies: 23
Views: 1130

Re: American purchasing a car in Canada - things to consider?

Canadian cars have lots of differences to their U.S. counterparts; none the least of which are the gauges, instruments, etc are in metric. I believe lighting & emissions are different as well, though not certain about that.
by rotorhead
Sun Feb 23, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Refrigerator/freezer ice maker.
Replies: 13
Views: 696

Re: Refrigerator/freezer ice maker.

OP, check out this website - https://www.appliancepartspros.com/ for possible helpful information, and repair help. We are still using nearly 25 year old GE fridge/freezer with their help. I replaced the water module about 10 years ago; and it has been making plenty of ice so far. Must admit, the fr...
by rotorhead
Sun Jan 12, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 2021

Re: Recommend Dual SIM smartphone please

OP, I have no experience actually using the Dual Sim features of the phone, but I have had a Samsung S8 Duos for about 8 months now; and it is very good phone. The phone I got was actually manufactured for use in UAE; so I can understand its usefulness in area like that. I use the extra slot for Mic...
by rotorhead
Sun Jan 12, 2020 11:50 am
Forum: Personal Consumer Issues
Topic: 2020 Lexus RX 350L Advice
Replies: 30
Views: 5480

Re: 2020 Lexus RX 350L Advice

My wife's 2002 RX300 just passed 100,000 miles few months ago; and she is still very pleased with it. The car still looks new. It was replacement for her 1994 ES300 Anniversary Edition. That was a beautiful car. Lexus do make fine cars; but they are not impervious to failure. Guess we were just unlu...
by rotorhead
Sun Jan 12, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Switching from AT&T to Mint Mobile, any drawbacks?
Replies: 42
Views: 5628

Re: Switching from AT&T to Mint Mobile, any drawbacks?

I have no experience with Mint Mobile; but we switched 6 years ago from AT&T to Consumer Cellular, and haven't looked back since. They use the AT&T &T-Mobile networks, so the coverage and speed is good pretty much everywhere. Presently 3 phones on the plan, plus 2GB data use per month at...
by rotorhead
Wed Dec 18, 2019 10:16 am
Forum: Personal Investments
Topic: Income funds - helping out Mom
Replies: 24
Views: 1404

Re: Income funds - helping out Mom

Batman2020, that 70k is not going to generate a lot of income; but it might be enough depending on her overall situation. Since her investment is in taxable account, consider the Vanguard Intermediate Tax Exempt Bond Fund, VWITX. https://investor.vanguard.com/mutual-funds/profile/overview/vwitx It's...
by rotorhead
Mon Dec 16, 2019 4:14 pm
Forum: Personal Investments
Topic: RMD Funding Question
Replies: 10
Views: 939

Re: RMD Funding Question

Hello FlatPicker, and welcome to the forum. No need to move any funds to MMF to fund RMD in my opinion. Stay invested, and continue to take advantage of the market; and just do it directly from your Vanguard Target 2020 Fund. I am in my 8th year of RMD now. My account is with Fidelity; and I have my...
by rotorhead
Tue Nov 12, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Organization supporting Veterans - Donation
Replies: 19
Views: 1042

Re: Organization supporting Veterans - Donation

Some good recommendations above, especially the Fisher House.

Here is helpful link for more info. http://www.military-money-matters.com/c ... tings.html
by rotorhead
Mon Nov 11, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Questions re mobile virtual network operators (MVNOs)
Replies: 7
Views: 486

Re: Questions re mobile virtual network operators (MVNOs)

Captain Marvel, if you switch to Consumer Cellular, the answer to all your questions is yes. We have been CC customer for nearly 6 years now; and could not be more pleased with the service and the plan. We currently have 3 phones on the plan, with unlimited talk and text + 3 GB data per month, for t...