Search found 612 matches

by Ozonewanderer
Mon Nov 20, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $$ from Ally
Replies: 19
Views: 1259

Re: Transferring $$ from Ally

I don't know which is better but I do suggest doing your transfer way in advance of when you need it. I was buying a house and had parked nearly $200k at Ally. When I needed the money to close on the house I transferred it out of Ally but it "disappeared." It got lost somewhere in transit. They foun...
by Ozonewanderer
Sat Jul 08, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 3068

Re: Doing dishes while camping

Go to youtube.com and search, then watch. I camp single, double, and with a large group of say 8 people. Let's say we are cooking on a stove a big one-pot meal such as Kung Pao chicken or Thai curry w/chicken or jambalaya. We will scrape out the pot with a spatula (nylon or silicone) to serve into ...
by Ozonewanderer
Wed Jun 21, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4956

Re: Good camera - new baby coming

I get so mad when my iPhone takes better photos than my $2300 Sony A7 with Zeiss 55 mm lens. And that's frequently.

The new iPhone 7+takes photos in Portrait mode giving the clear subject, fuzzy background image.
by Ozonewanderer
Sun Jun 18, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1714

Re: Which motorcyle?

A V-Twin engine will give more torque and be easier to ride from a standing start. It helps in control of the bike especially with a second rider. I would start with a minimum of 800 cc for two up riding around town. Harleys make the most V-Twin bikes. They are American made, good quality, and sexy ...
by Ozonewanderer
Fri Jun 02, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 5016

Re: How do you fight the urge to micromanage?

Paul[/quote] I've only gotten into total market index funds and total bond index funds. There's nothing to micromanage. I'm just new to this investing thing, and I'm an upcoming software developer, so I like to tinker with something until I have control over it. So this watching something for years ...
by Ozonewanderer
Fri Jun 02, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 5016

Re: How do you fight the urge to micromanage?

jalbert wrote:If you invested at Vanguard, have them disable online access to your account, and just look at quarterly ststements they mail to you.
Seriously, is this possible?
by Ozonewanderer
Thu Jun 01, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 5016

Re: How do you fight the urge to micromanage?

A couple of ideas: -- Take a small amount of your portfolio, say 5%, and invest it as you wish by your own whim or theory. Maybe you will beat the market! Yay! But if the pot goes empty you got to leave the rest of the portfolio alone for a while. -- What I do when I get the twitch to tinker is reba...
by Ozonewanderer
Fri May 26, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/reassurance on what to do with $4-5m
Replies: 63
Views: 6733

Re: Looking for advice/reassurance on what to do with $4-5m

I have so little in the IRA/Roth accounts. Should I still contribute the max every year? Is that the only option to get more money into tax advantaged accounts? I know I should talk to my accountant more about this. I have been avoiding that conversation. Thanks and appreciate any feedback. :shareb...
by Ozonewanderer
Fri May 26, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3800

Re: Eliminating Single Positions and Moving to Index Fund

WildBill wrote: This is about as clear an example of a high quality problem as I can think of.

Happy capital gaining
Ha ha! So true! We should all be so lucky that our big problem is what to do with all the money we made!!!
:P
by Ozonewanderer
Fri May 26, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3800

Re: Eliminating Single Positions and Moving to Index Fund

...you probably know that capital-gains are cancelled at the owner's death. This makes it usually worthwhile for elderly owners to continue holding unwanted but profitable securities. Rumor has it that providing a stepped up basis for inheritance of stocks might go away with the proposal to elimina...
by Ozonewanderer
Thu May 25, 2017 10:45 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3800

Re: Eliminating Single Positions and Moving to Index Fund

WRT questions in red above, there are about 75 stocks in the portfolio, where the top 13 make up 25% of the value. Almost all domestic, all large/mid cap stocks. Current dividend yield across these stocks is about 2.2%. I am in the highest tax bracket, both marginal and capital gains. Using dividen...
by Ozonewanderer
Thu May 25, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3800

Re: Eliminating Single Positions and Moving to Index Fund

You might also want to wait for a year or so to see how the "tax reform" plays out. It is possible that there will be some changes that may affect your situation.
by Ozonewanderer
Wed May 24, 2017 11:30 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3800

Re: Eliminating Single Positions and Moving to Index Fund

How many stocks do you hold? If you have enough you may not gain anything by getting into an S&P 500 type index fund because you will already approach the volatility (risk) of the index fund. According to Malkiel's A Random Walk Down Wall Street : "...when thirty securities are selected for our port...
by Ozonewanderer
Tue May 23, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Luxury Vinyl: Educate Me
Replies: 15
Views: 2651

Re: Luxury Vinyl: Educate Me

Shoot. I thought this thread was about record albums. :oops:
by Ozonewanderer
Tue May 23, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Missed window for selling Fairholme Fund (FAIRX)?
Replies: 35
Views: 2510

Re: Missed window for selling Fairholme Fund (FAIRX)?

It sounds like you are asking us if we can predict the future for you. If we told you we could and then told you what to do, why in the world would you listen to us?

As usual, Nispirius is so clear headed.
by Ozonewanderer
Thu May 11, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Who really needs an umbrella insurance?
Replies: 40
Views: 6467

Re: Who really needs an umbrella insurance?

LeeMKE wrote:I added umbrella coverage when I married a guy with 2 teenage kids.
:D :D :D :D
by Ozonewanderer
Thu May 11, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to maximize SS
Replies: 6
Views: 1022

Re: How to maximize SS

This stuff is not easy and I do not consider myself dumb. After reading Mike Piper's book (which I do recommend) my head hurt. I even wrote to Mike to ask him questions. I heartily recommend SocialSecuritySolutions.com which will run simulation for you to give you their best solution. Yeah it costs ...
by Ozonewanderer
Thu May 11, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 22401

Re: Buying a luxury car (how dumb would it be to do this?)

Clearly from your personal finances it is not a questions of whether you can afford the car. My guess is that you are asking because you are afraid you will feel guilt and the question will be whether this guilt will outweigh the pleasure. I am a gearhead too, and I bought my first "luxury" car arou...
by Ozonewanderer
Thu May 11, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Who really needs an umbrella insurance?
Replies: 40
Views: 6467

Re: Who really needs an umbrella insurance?

Insurance is ALWAYS a waste of money... until you need it.
by Ozonewanderer
Wed Apr 19, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9528

Re: Mens Blue Jeans - What are we buying now?!

Aren't we supposed to look like Dork's when in our 60's? :D Or at least not care how we look? :D My daughter cares when she is seen with me! And soon I meet her new boyfriend and possibly his family! :) I just went to the "7 for All Mankind" website out of curiosity. I guess I have no fashion sense...
by Ozonewanderer
Wed Apr 19, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9528

Re: Mens Blue Jeans - What are we buying now?!

DaftInvestor wrote:
Ozonewanderer wrote:As I got older (60's) my daughter said that I look like a dork in those jeans.
Aren't we supposed to look like Dork's when in our 60's? :D
Or at least not care how we look? :D
My daughter cares when she is seen with me! And soon I meet her new boyfriend and possibly his family!
by Ozonewanderer
Wed Apr 19, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9528

Re: Mens Blue Jeans - What are we buying now?!

I wore Levis all my life. I liked them because they were cheap, reliable, and I did not have to think. I hate buying clothes. I pretty much wear jeans everyday for just about all occasions including going to parties and out to dinner. As I got older (60's) my daughter said that I look like a dork in...
by Ozonewanderer
Tue Mar 28, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 5019

Re: thoughts on in-ceiling speakers?

Speakers that present the high frequency range of sound (tweeters) disperse sound less than 45 degrees off center axis. The sound becomes increasingly "muted" off that center because you lose the high frequencies. So you want the front speakers to be facing you, not shooting down from the ceiling. I...
by Ozonewanderer
Sun Mar 26, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 40
Views: 3231

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

My husband and I heard some Sonus Faber Cremona floor speakers a decade ago, at a Best Buy/Magnolia Stereo center. We literally had goosebumps from the sound. This past year, DH hunted down a pair (used) from an audio dealer in Canada, and bought them for my birthday. We then had to replace our 25 ...
by Ozonewanderer
Wed Mar 22, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 40
Views: 3231

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

I have a high end two speaker stereo system (approx $45k). I posted the story of how I ended up with it on Reddit, and in the hopes it may be instructive I am sharing this story with you. (Short answer: buy with your ears and heart, not by price, brand names or technical specs. Is the moral perhaps...
by Ozonewanderer
Wed Mar 22, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Friend will be laid off in a month - what should he do first?
Replies: 8
Views: 1445

Re: Friend will be laid off in a month - what should he do first?

One other thing not covered: Bulk up that emergency fund: quit *investing* and double down on *saving* I would agree with this suggestion if your friend does not have enough to live on - then he should set aside more cash. OTOH if he does have access to some savings (not retirement funds) and can l...
by Ozonewanderer
Wed Mar 22, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 40
Views: 3231

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

I have a high end two speaker stereo system (approx $45k). I posted the story of how I ended up with it on Reddit, and in the hopes it may be instructive I am sharing this story with you. (Short answer: buy with your ears and heart, not by price, brand names or technical specs.) --------------------...
by Ozonewanderer
Sun Mar 05, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Second home or not ready
Replies: 56
Views: 5442

Re: Second home or not ready

I want to disregard the financial perspective because it is obvious that the additional expense is a drain and the possibility of a capital gain is about the same as investing in equities over the long term. I have had two homes for a while (different two homes over the past 12 years) and the real ...
by Ozonewanderer
Fri Mar 03, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Second home or not ready
Replies: 56
Views: 5442

Re: Second home or not ready

I want to disregard the financial perspective because it is obvious that the additional expense is a drain and the possibility of a capital gain is about the same as investing in equities over the long term. I have had two homes for a while (different two homes over the past 12 years) and the real i...
by Ozonewanderer
Fri Feb 10, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Life insurance policy question
Replies: 23
Views: 1606

Re: Life insurance policy question

Ok gang, A little I learned today. So I have cash value of $2,700 for the policy, but my surrender is $2,800. It's calculated as such via the contract: $19.23 (the rate for surrender from my policy start age, which was 31) X the face value of $150,000 / 1,000 = $2,800. So as of today, I'd get $0 ca...
by Ozonewanderer
Wed Feb 08, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Life insurance policy question
Replies: 23
Views: 1606

Re: Life insurance policy question

Hello all, As I'm sure many of you do, I maintain a nice excel spreadsheet for my portfolio which includes 401k, IRAs, savings etc. My question is, do I also include my 3rd party life insurance policy in these calculations? I have a 150k policy purchased in Oct 2013. The current cash value is a lit...
by Ozonewanderer
Sun Feb 05, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: bond funds vs owning individual bonds
Replies: 45
Views: 4127

Re: bond funds vs owning individual bonds

...If you hold individual bonds I assume that you would ladder them with the intent of letting them grow to maturity , then buy new ones at then current rates. So a bond ladder is a collection of bonds that mature at various times. A bond fund is a collection of bonds that mature at various times. ...
by Ozonewanderer
Sun Feb 05, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: bond funds vs owning individual bonds
Replies: 45
Views: 4127

Re: bond funds vs owning individual bonds

Individual bonds (or similar CDs) can make sense if the maturity of the bond (or CD) fits well with the expected need for the funds. So, for example, if you have the expected need for, say, $20,000 in 2022 - then bond(s) maturing in 2022 could make more sense than keeping in a bond fund. Yes, I tot...
by Ozonewanderer
Sat Feb 04, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: bond funds vs owning individual bonds
Replies: 45
Views: 4127

Re: bond funds vs owning individual bonds

Individual bonds (or similar CDs) can make sense if the maturity of the bond (or CD) fits well with the expected need for the funds. So, for example, if you have the expected need for, say, $20,000 in 2022 - then bond(s) maturing in 2022 could make more sense than keeping in a bond fund. Yes, I tot...
by Ozonewanderer
Fri Feb 03, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement Cost coverage for home?
Replies: 4
Views: 608

Re: Replacement Cost coverage for home?

You are paying a premium for a potential insurance benefit payment in the event of a loss. The maximum amount of insurance benefit you can buy is limited by the value of your house. Presumably the cost of insurance per dollar of benefit, regardless of coverage amount, is the same because the underly...
by Ozonewanderer
Fri Feb 03, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: bond funds vs owning individual bonds
Replies: 45
Views: 4127

Re: bond funds vs owning individual bonds

I researched and considered this question at length last year and concluded I would stay with bond funds. My reasons are captured perfectly in this article. Falling off the bond ladder, March 3, 2014: m If you hold individual bonds I assume that you would ladder them with the intent of letting them ...
by Ozonewanderer
Sat Jul 23, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 3383

Re: Should one upgrade to Windows 10? Free thru July 29?

I upgraded my Win 8.1 laptop yesterday... I also had to hunt all over to find a total shut down button. I guess Microsoft wants the machine to stay on all the time to spy I guess. So they hid the power down stuff. On my Win 10 machine I right click on the little window pane in the left corner of th...
by Ozonewanderer
Fri Jul 22, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 3383

Re: Should one upgrade to Windows 10? Free thru July 29?

I have Windows 7 and Win 10 on two laptops. They both work fine for my needs. The only reason I have not yet upgraded my Win 7 machine to Win 10 is because there is no Win 10 driver for my old but very capable Canon MP950 printer. So I kept my old laptop at Win 7 to print when I need to which isn't ...
by Ozonewanderer
Thu Apr 14, 2016 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 4895

Re: Meeting with a Fidelity Financial planner, is it useful?

I have most of my money with Fidelity and I have an account manager who does not charge me anything. I have been very happy with them. Having said that, however, Fidelity does offer fee based services. I would just have the conversation with the rep and see what he has to say. Fidelity has some grea...
by Ozonewanderer
Sun Apr 10, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: Best showerhead?
Replies: 38
Views: 9302

Re: Best showerhead?

Thank you! Our WaterPik shower head is dying—after 8 years of regular use, it's developed irreconcilable leaks and the plastic mount is about to shear. I searched for the model specified at the top of this thread, and found Amazon now charges $156.22 (plus you have to buy the mount & hose separ...
by Ozonewanderer
Sun Apr 10, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Best showerhead?
Replies: 38
Views: 9302

Re: Best showerhead?

After researching shower heads, found this older thread. I miss having a handheld shower head. I'm in a rental now with a standard shower-head and I'd like to remove the current one (and keep it and place it back on when I leave)...and use one of these other heads in the meantime. I'm not very hand...
by Ozonewanderer
Sat Mar 12, 2016 3:26 am
Forum: Investing - Help with Personal Investments
Topic: Possible dumb question [Rebalancing]
Replies: 6
Views: 790

Re: Possible dumb question [Rebalancing]

"It looks like mine is the former rather than the latter. My wife's looks like I'll have to manually rebalance it because I set it at 50 vanguard s&p, 25 small cap, 25 bond and those percentages have changed to like 50.13, 24.66 and 25.21" You are kidding, right? To me, it seems unnec...
by Ozonewanderer
Wed Jun 03, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 5693

Re: Social Security Strategies

Of course, please remember that all of these forecasts are merely that: guesses about the future. As my father's accountant would always say, " Tell me when you are going to die and I will tell you exactly what to do." So is this true in general - the strategies that involve waiting until...
by Ozonewanderer
Tue Jun 02, 2015 10:20 pm
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 16905

Re: why do some people like Fidelity?

Vanguard is ahead of them on security, allowing more flexibility in creating passwords. Also, Vanguard has the feature of sending a text message with a one-time password on log ins. Fidelity doesn't advertise this well anymore, but they actually go a little further than Vanguard, by offering Symant...
by Ozonewanderer
Tue Jun 02, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 16905

Re: why do some people like Fidelity?

I love their service and technology. I actually enjoy talking to their customer service reps. One can do so much just through their web site. And their Retirement Income Planner is extraordinarily sophisticated. I use it often to see how I am doing with respect to my withdrawal plan (I am 65).
by Ozonewanderer
Tue Jun 02, 2015 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 5693

Re: Social Security Strategies

I bought and read Mike Piper's book, and I thought it was excellent. I also thought that this should be a fairly simple topic with straightforward solutions, but it did make my head spin. Mike was also kind enough to personally answer my specific questions by email (but I am not suggesting that he w...
by Ozonewanderer
Mon Sep 15, 2014 2:39 pm
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 12837

Re: Which generator do you have?

Ron wrote:Maybe you should just have stock in all the gen-set providers (sort of a "gen-fund" :mrgreen: ).
- Ron


Great idea! Going one step further, does anyone know of a Global Warming fund that places bets on companies that provde products and services in response to the new climate??
by Ozonewanderer
Fri Sep 12, 2014 3:07 pm
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 12837

Re: Which generator do you have?

I just had my Generac standby generator's annual tune up, and I asked the service technician what he thought about Generac. He said they were "OK" but he preferred Kohler and GE.

Maybe I will sell my Generac stock...
by Ozonewanderer
Sat Sep 06, 2014 8:07 pm
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 12837

Re: Which generator do you have?

I have Generac, whole house, natural gas generator up here in the Northeast. It has been very reliable. Everyone should buy Generac considering our global warming trend and continued haphazard, hazardous weather. I really believe that and the fact that I own Generac stock, which has been dropping ev...