Search found 5758 matches

by midareff
Mon Nov 12, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 95
Views: 3229

Re: Point and shoot camera

https://www.adorama.com/isodschx99.html?origterm=sony+dsc-hx99+value+kit&searchredirect=true If this is witin your bedget it would be a good choice, or certainly one to consider. Great zoom range and pocketable. New release from Sony. BTW, https://login.dpreview.com/ap/signin?openid.return_to=https%...
by midareff
Mon Nov 12, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 95
Views: 3229

Re: Point and shoot camera

Canon powershot 180 https://smile.amazon.com/Canon-PowerShot-Digital-Camera-Stabilization/dp/B019UDHOMO I have Sony rx100 and Fuji cameras but I think those are overkill for you. I’ve had various powershot cameras and enjoyed them all. I suggest this one . I have an older version of this camera - m...
by midareff
Sun Nov 11, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 95
Views: 3229

Re: Point and shoot camera

The suggestions for a DSLR and mirrorless are on topic. A point and shoot is simply not worth it. That's why you never see them anymore. You're better off buying the latest smartphone or a real camera. As far as budget, a used or refurbished older camera is perfectly fine. Sorry Alexa, that's just ...
by midareff
Sun Nov 11, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.
Replies: 11
Views: 760

Re: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.

My credit score on Friday was 840. I presently have balances on 5 cards, all set to auto-pay in full monthly. We use them like a cat would use a scratching post and get the highest cash back or benefit for the particular purchase. I did get turned down about two weeks ago on a "per-qualified" offer ...
by midareff
Fri Nov 09, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 35
Views: 3423

Re: State retirement pensions thoughts?

I think state pensions are wonderful, especially the ones with an annual cola. Of course, some are better funded than others. I check every year or two and mine is still a top ten funded state. If it was bottom ten I would feel differently and be quite concerned. Mine is 45. Should I be worried? La...
by midareff
Fri Nov 09, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 142
Views: 9686

Re: A reminder: Stay away from AQR

I just don't understand lots of things so I own it all. Total USA, Total International, a couple of Bond Index funds, some muni bond funds and a bit of HY. I keep it conservative, equities range from 42% to 48%. From 2010 to 2017, 8 years, averaged a 9% return on my conservative portfolio at Vanguar...
by midareff
Fri Nov 09, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 35
Views: 3423

Re: State retirement pensions thoughts?

I think state pensions are wonderful, especially the ones with an annual cola. Of course, some are better funded than others. I check every year or two and mine is still a top ten funded state. If it was bottom ten I would feel differently and be quite concerned.
by midareff
Fri Nov 09, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 95
Views: 3229

Re: Point and shoot camera

My old Nikon CoolPix just died, aged about 15 years. I need a new camera - yes, I know my phone takes pictures and it's gotten me some surprisingly good ones, but I want a camera. I am no photographer so a point and shoot will do just fine. Did a scan of the offerings on eBay and Amazon and don't u...
by midareff
Fri Nov 09, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 95
Views: 3229

Re: Point and shoot camera

My old Nikon CoolPix just died, aged about 15 years. I need a new camera - yes, I know my phone takes pictures and it's gotten me some surprisingly good ones, but I want a camera. I am no photographer so a point and shoot will do just fine. Did a scan of the offerings on eBay and Amazon and don't u...
by midareff
Fri Nov 09, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 95
Views: 3229

Re: Point and shoot camera

My old Nikon CoolPix just died, aged about 15 years. I need a new camera - yes, I know my phone takes pictures and it's gotten me some surprisingly good ones, but I want a camera. I am no photographer so a point and shoot will do just fine. Did a scan of the offerings on eBay and Amazon and don't u...
by midareff
Fri Nov 09, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 95
Views: 3229

Re: Point and shoot camera

Since you are going on a trip a camera with zoom is an absolute necessity and a starting point of the equivalent of 24mm is also. As the old saying goes, no one ever got fired for bringing a Canon or Nikon back to the office. To that add Sony, Olympus and Panasonic. Any of those compacts that have a...
by midareff
Fri Nov 09, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2350

Re: Thoughts on Garden Savings FCU CD (2yr-2% & 4yr-4%)

Ally 11 month with no early break penalty 2.1% 12 month 2.5% ... you should check their products. Thanks midareff. That's currently what I have. Are these 3% and 4% worth considering? Currently Ally's best 3 year is 2.75%....3.10% for a 5 year. If you can commit to the time yours would be a better ...
by midareff
Thu Nov 08, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 116
Views: 8000

Re: Favorite "free stuff"?

I like all the free cash back I get on Uber Visa, Fidelity Visa, AMX Clear (groceries), PenFed Gas and others.
by midareff
Thu Nov 08, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2350

Re: Thoughts on Garden Savings FCU CD (2yr-2% & 4yr-4%)

Ally 11 month with no early break penalty 2.1% 12 month 2.5% ... you should check their products.
by midareff
Thu Nov 08, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14239

Re: How much money are you leaving your kids after you die?

ThankYouJack wrote:
Tue Nov 06, 2018 1:04 pm
I'm curious, especially for those with assets (or planned assets) over $1million. Do you plan to leave your kids nothing, some or everything?
z e r o as things stand now.
by midareff
Mon Nov 05, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: A little advice please.... $50 K to invest back in.. retired
Replies: 3
Views: 639

Re: A little advice please.... $50 K to invest back in.. retired

What is your target duration for fixed income? What does rest of fixed income portfolio look like? What state of residence? Depending on state tax, T bills might be as good or better. Florida, no state tax. The rest of the FI is about 800K in intermediate munis and corporates + $160K at Ally at the...
by midareff
Mon Nov 05, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: A little advice please.... $50 K to invest back in.. retired
Replies: 3
Views: 639

A little advice please.... $50 K to invest back in.. retired

About 30 days ago I TLH about $6K from IT Tax-Ex by moving about $190K from there to Limited Tern Tax-Ex. Since then I took advantage of Ally's offer for the $1K bonus and moved $100K of that money to Ally into a 2.1% no penalty CD. I'm planning on moving the $100K back to IT Tax-Ex 1/16/2019 and th...
by midareff
Thu Nov 01, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2290

Re: Europe Trip

We look at temperature and expected rainfall in the areas of interest first. Then we recognize May (end of April to end of May travel start) and likewise with October are premium periods for weather generally in Europe and the kids are back in school. We went to Europe with Viking .. Amsterdam to Bu...
by midareff
Sun Oct 28, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 128
Views: 8056

Re: When to change tires; and what brand

Looks like a lot of Michelin fans here. What do you think of the Continentals? I was looking at this test report from TireRack https://www.tirerack.com/tires/tests/testDisplay.jsp?ttid=236 Michelin fan here too. I want the best quality high performance tire on my car because the life I save could b...
by midareff
Sun Oct 28, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: What A Deal! [Affordable Care Act policy costs]
Replies: 28
Views: 3987

Re: What A Deal!

Wife's and my coverage for insurance will be $13,952 this coming year, + however much my Medicare goes up, and there's no Dental in that. I expect after drugs and co-pays will be about $21K for the year, assuming no dental surprises. FWIW, I have wet macular and the drug they use is about $4K a shot...
by midareff
Sat Oct 27, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7051

Re: How many miles (total) on car before buying another car ?

Just curious, At what miles (total) on the car do you guys buy a new one ? I have a car at 120k (10 years old) and wondering what is a reasonable time to throw it out and buy a new one. I know some people here at BH will likely have vehicles that have more than 300k miles. But aren't there downside...
by midareff
Sat Oct 27, 2018 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Buying an investment condo in Panama City Beach
Replies: 16
Views: 2483

Re: Buying an investment condo in Panama City Beach

In a year or two there should be lots of new units for sale. Getting hurricane insurance on them will be another story.
by midareff
Sat Oct 27, 2018 7:17 am
Forum: Investing - Theory, News & General
Topic: Market irrationality
Replies: 35
Views: 4024

Re: Market irrationality

No one knows about the long-term trend. There is no law of economics saying that stock markets have to go up in the long term. There are counter examples out there of stock markets that went down and didn't recover even in the long term. If you are thinking Japan as a counter example that's still a...
by midareff
Fri Oct 26, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: Market irrationality
Replies: 35
Views: 4024

Re: Market irrationality

No one knows about the long-term trend. There is no law of economics saying that stock markets have to go up in the long term. There are counter examples out there of stock markets that went down and didn't recover even in the long term. If you are thinking Japan as a counter example that's still a...
by midareff
Thu Oct 25, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 435
Views: 40604

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I think you will find you can't move money from a joint account to a single named account. Perhaps I'm not understanding the reference and please correct me if meaning something other. But as I understand it, I can move funding that was initially transferred during the funding period into a joint s...
by midareff
Thu Oct 25, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Nikon D3500 + Selling Kit Lenses (18-55+70-300)
Replies: 4
Views: 414

Re: Nikon D3500 + Selling Kit Lenses (18-55+70-300)

Or trade them in to Adorama for the D3500. Good luck trying to sell those lenses That's a good idea but a reseller will probably not give me as much as I can get selling myself. Got a couple hits on craigslist already surprisingly. AF-P DX NIKKOR 18-55 3.5-5.6 VR looks like that oens can be had new...
by midareff
Thu Oct 25, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Nikon D3500 + Selling Kit Lenses (18-55+70-300)
Replies: 4
Views: 414

Re: Nikon D3500 + Selling Kit Lenses (18-55+70-300)

AF-P DX NIKKOR 18-55 3.5-5.6 VR looks like that new ones can be had new on eBay for about $90 with free shipping. The AF-P DX NIKKOR 70-300 4.5-6.3 ED for about $100 - $120. You might get $200 combined, maybe not. You are selling as new other unless you are buying the camera as a used item then the ...
by midareff
Thu Oct 25, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 435
Views: 40604

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

That is what I am suggesting as they won't let me do it. I want to open an account that is only in my wife's name and .. so far .. they seem unwilling if it is funded via transfer from our joint account. It is something I do need to get done in the next few months and will revisit in a couple of mo...
by midareff
Thu Oct 25, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 435
Views: 40604

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I think you will find you can't move money from a joint account to a single named account. Perhaps I'm not understanding the reference and please correct me if meaning something other. But as I understand it, I can move funding that was initially transferred during the funding period into a joint s...
by midareff
Thu Oct 25, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 435
Views: 40604

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I think you will find you can't move money from a joint account to a single named account. Perhaps I'm not understanding the reference and please correct me if meaning something other. But as I understand it, I can move funding that was initially transferred during the funding period into a joint s...
by midareff
Thu Oct 25, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 435
Views: 40604

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I think you will find you can't move money from a joint account to a single named account. Perhaps I'm not understanding the reference and please correct me if meaning something other. But as I understand it, I can move funding that was initially transferred during the funding period into a joint s...
by midareff
Thu Oct 25, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Pay cash for the new car or finance (and what to invest with the cash)?
Replies: 20
Views: 1626

Re: Pay cash for the new car or finance (and what to invest with the cash)?

I picked up a new ride the end of last March. PenFed was offering 1.49% money and VWIUX was distributing 2.9% tax-ex. Pretty easy call for me. As was discussed earlier in the thread, this isn't quite the right comparison; your loan duration is closer to that of Short-Term or Limited-Term Tax-Exempt...
by midareff
Thu Oct 25, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: Market irrationality
Replies: 35
Views: 4024

Re: Market irrationality

It's a market... it has a long term trend. The long term trend will not change , except perhaps in the short term, just to get you. The more it goes down the more shares you buy for the same dollar. Viva la crash. Irrationality is your friend. No one knows about the long-term trend. There is no law...
by midareff
Wed Oct 24, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Market irrationality
Replies: 35
Views: 4024

Re: Market irrationality

It's a market... it has a long term trend. The long term trend will not change, except perhaps in the short term, just to get you. The more it goes down the more shares you buy for the same dollar. Viva la crash. Irrationality is your friend. Perhaps. I don't mean to get all Keynesian on you but ne...
by midareff
Wed Oct 24, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Market irrationality
Replies: 35
Views: 4024

Re: Market irrationality

It's a market... it has a long term trend. The long term trend will not change, except perhaps in the short term, just to get you. The more it goes down the more shares you buy for the same dollar. Viva la crash. Irrationality is your friend. Perhaps. I don't mean to get all Keynesian on you but ne...
by midareff
Wed Oct 24, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Market irrationality
Replies: 35
Views: 4024

Re: Market irrationality

It's a market... it has a long term trend. The long term trend will not change, except perhaps in the short term, just to get you. The more it goes down the more shares you buy for the same dollar. Viva la crash. Irrationality is your friend.
by midareff
Wed Oct 24, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Changing to higher equities allocation during a major crash?
Replies: 26
Views: 2577

Re: Changing to higher equities allocation during a major crash?

I might nibble at 40% down.... although that would still leave the S&P over historical averages. .. so maybe not.
by midareff
Wed Oct 24, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6033

Re: Retirees: What keeps you up at night?

Wow, not one right answer. I know for a fact that what keeps retirees up at night are the following: Ahhhh... come on Rick.... Having to pee Self explanatory Just do diapers to bed.. :D Kids on the lawn Why is there never a 30 something yelling "GET OFF MY LAWN". It's just grass guy, maybe less cof...
by midareff
Wed Oct 24, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6033

Re: Retirees: What keeps you up at night?

I'll be 71 n December and retired near 7 years now, 4/2012 being the launch date. Younger wife retired a year before me. I follow my role models... my parents retired at 62, something I couldn't do. They put me through college for cash, traveled some, and enjoyed their life until Alzheimer's and det...
by midareff
Wed Oct 24, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 435
Views: 40604

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I've had the chat, several times. The issue that stops it all is that you can't open an account in the name of anyone other than the primary account holder, AND, it's one per account, not one for each individual. Not sure what you mean by "one per account", but rules clearly state "eligible account...
by midareff
Wed Oct 24, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Pay cash for the new car or finance (and what to invest with the cash)?
Replies: 20
Views: 1626

Re: Pay cash for the new car or finance (and what to invest with the cash)?

I picked up a new ride the end of last March. PenFed was offering 1.49% money and VWIUX was distributing 2.9% tax-ex. Pretty easy call for me. That's a great rate! BTW, how do you consider VWIUX vs. VWALX (High Yield Tax-exempted)? Regardless of the duration, VWALX seems much volatile but it also r...
by midareff
Wed Oct 24, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 27
Views: 2481

Re: Car broker

We're going to buy a new SUV pretty soon. We'd driven a fair selection of compact SUV's when a friend at my gym told me about a "car broker" he's used twice. I called the broker, got a few references, and they all revved about the car buying service provided. It sounds like this service might save ...
by midareff
Wed Oct 24, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Pay cash for the new car or finance (and what to invest with the cash)?
Replies: 20
Views: 1626

Re: Pay cash for the new car or finance (and what to invest with the cash)?

I picked up a new ride the end of last March. PenFed was offering 1.49% money and VWIUX was distributing 2.9% tax-ex. Pretty easy call for me.
by midareff
Wed Oct 24, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Adjust Withdrawals For More Money in Your 60’s-70’s
Replies: 19
Views: 2068

Re: Adjust Withdrawals For More Money in Your 60’s-70’s

Well.... YES, that's what we are doing. This long bull has provided us with more money at this point in life (I'll be 71 in December) than we ever would have expected. Despite being a severe osteoarthritic I can still walk for 4 - 6 hours at a time, which is all we need for ground excursions from cr...
by midareff
Wed Oct 24, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 435
Views: 40604

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

4) They cannot take funds sent to the joint account, then moved to the 2nd owner's account, and give that 2nd owner "credit". Once the funds hit the joint account, the "credit" is flagged and that's that. So the ONLY way to get twice the reward is to send the funds to two individual accounts, or re...
by midareff
Tue Oct 23, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2324

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

My understanding is they can not discriminate .. or would be subject to suit. I would be forthright. If it makes a difference get an attorney and go for early retirement money.
by midareff
Sun Oct 21, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 33
Views: 3230

Re: Dentist "Service Fee" for Filing Insurance Claim?

Blueskies123 wrote:
Sun Oct 21, 2018 6:50 pm
No, it not normal. Do not pay it and find another dentist.
+1
by midareff
Sun Oct 21, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 35
Views: 3640

Re: Retire now or in the Spring. - changing work conditions

I'm 59 and have saved at least 65x expenses with a pension of 2100 @65 and I plan to delay SS til 70. I'd be booking my fairwell cruise and giving notice at 65 X ... for sure. What stress? .. where to have the retirement party?
by midareff
Sun Oct 21, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1383

Re: 2 rental car reservations?

Nissanzx1 wrote:
Sun Oct 21, 2018 4:52 pm
Why not? They do it to you- trust me I was in that business for a decade.
So was I and it isn't an ethical way to arrange travel.