Search found 5395 matches

by midareff
Thu Apr 26, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 2733

Re: New car pickup today.

lots of rusting if you live near the ocean. The problem with most rust proofing products is that they only last a few years. I highly recommend spraying fluid film to the undercarriage every other year if you live in an area where rust is a problem. Not so much anymore. ... we live very close to th...
by midareff
Thu Apr 26, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 2733

Re: New car pickup today.

czr wrote:
Wed Apr 25, 2018 11:50 am
NO to both.
+1 .... Specialized warranty sales are a means of added profit for a dealership and frankly, they don't sell things they lose money on.
by midareff
Wed Apr 25, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 94
Views: 4800

Re: Who benefits from "best and final offer" on condo?

and maybe they greased the seller's agent.
by midareff
Mon Apr 23, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to a Pension (DB )
Replies: 12
Views: 961

Re: Best Alternative to a Pension (DB )

The way I approached any need for alternative was the solidity of the plan. In this link dated 2017 but using 2014 data various state pension plans are ranked. https://taxfoundation.org/state-pensions-funding-2017/ The state of interest to me was ranked #10 at the time of the report and had taken st...
by midareff
Mon Apr 23, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 2625

Re: Looking to purchase new car/SUV

For me the infotainment system on the new Volvos - which involve far too much distraction for something as simple as changing the temperature - is a dealbreaker. I like Audis - not cheap to maintain but good reliability, and IMO they do the best interiors. The Q5 is a very comfortable SUV. If you'r...
by midareff
Sat Apr 21, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4954

Re: Settlement Offer -- Accept or Wait?

That is fast.... What about damage to the car? Loss of use? Loss of your Saturday? What's the rush? I'd wait a few weeks to see if anything pops up.
by midareff
Sat Apr 21, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Investment Dashboard Software to Consolidate Accts
Replies: 10
Views: 973

Re: Investment Dashboard Software to Consolidate Accts

I use M* (Morningstar) and excel. Portfolio with all data I want is set in M* (its free too) and then exported/imported to excel as needed. Any chart or graph on any holding or combination of holdings I want I set up. I'm not big on aggregating accounts by having anyone hold my passwords.
by midareff
Sat Apr 21, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3599

Re: Should I continue to hold REITs?

I used to hold REITs in my IRA, and having bought them near the depths of the financial crisis they did very well for years. When it because apparent they were unduly valuated I exchanged that holding for the S&P500 Index. Since I retired in early 2012 also consolidated SV and small International in...
by midareff
Wed Apr 18, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: landline solutions
Replies: 27
Views: 1524

Re: landline solutions

Have not had a landline for 18 years.
by midareff
Wed Apr 18, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Things have changed, so what do I do?
Replies: 14
Views: 2062

Re: Things have changed, so what do I do?

1. I retired 7 years ago--so I presumably have missed the 'sequence of returns risk' 2. I downsized last year--so my expenses are much lower than when I first retired and I ended up with an appreciable amount from my home sale 3. I'm getting a bit older so the need for extravagant vacations or expe...
by midareff
Tue Apr 17, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4210

Re: car at 80

Cars can get sooo personal but I am totally for things like blind spot assist, 360 degree cameras, auto on and off lights, pedestrian warning, collision avoidance warnings with or without auto braking and such. Ordered all of them (and more) with the new 2018 I picked up a month ago. I have become ...
by midareff
Tue Apr 17, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 1529

Re: How long for irs to pull from checking

euroswiss wrote:
Mon Apr 16, 2018 11:06 pm
Yes, the account will be tapped within 24hours of filing in my experience.
+1
by midareff
Tue Apr 17, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4210

Re: car at 80

Cars can get sooo personal but I am totally for things like blind spot assist, 360 degree cameras, auto on and off lights, pedestrian warning, collision avoidance warnings with or without auto braking and such. Ordered all of them (and more) with the new 2018 I picked up a month ago. I have become a...
by midareff
Mon Apr 16, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Post-Divorce Investment Strategy
Replies: 32
Views: 2692

Re: Post-Divorce Investment Strategy

Rent for at least two years... I've been there and it takes time to lose the emotional involvement and get the head back on straight, Rent.... date, make new friends, see movies and go to concerts with them and get your life back with a clear head. Some of the best times of my life were those spent ...
by midareff
Mon Apr 16, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 8092

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

No I would not feel comfortable. I would only feel comfortable taking out more by taking some extra vacations..... You only live once. Life expenses are not a straight line of withdrawal rates. My first four years were an average of 3% (retired at 64 in 2012) out of deference to the sequence of ret...
by midareff
Mon Apr 16, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 160
Views: 9982

Re: BH travel tips?

We travel with flexible shoes such as Skechers with socks and stuff packed inside them. Yeah, that's the secret. If you take advantage of the space inside a shoe to put socks, underwear, a rolled-up belt, etc., then a packed pair of shoes really doesn't take up too awful much extra space in the bag...
by midareff
Mon Apr 16, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding IRS hassle: Form 4868 and miscategorized EFTPS payment
Replies: 3
Views: 480

Re: Avoiding IRS hassle: Form 4868 and miscategorized EFTPS payment

I suspect they will "get it", but of course that may not be what they conclude. I have been using EFTPS quarterly for about the last 5 years, retired in 2012. My current approach is use 110% of last year tax divide by 4, and set the EFTPS based on that. I don't expect RMD to change much year to year...
by midareff
Mon Apr 16, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: How would you rotate these tires?
Replies: 20
Views: 1643

Re: How would you rotate these tires?

A single tire measurement is not indicative of a tire's condition. Measure at left tread, center and right tread. What might be 5/32 at the center could be 3/32 on the inside or outside, or could be 6/32's inside or outside, which would tip you off to over inflation. Reversing the situation might be...
by midareff
Sun Apr 15, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 3301

Re: What percentage of you 2017 income can you account for?

I track 100% of my income and expenses in a "Budget Book", in excel. We are retired so income (pension, SS and investment including RMD) and many costs are fixed at the beginning of the year. All income (pension, SS and investment) flows into 4 accounts (checking, escrow, travel and savings) @ our b...
by midareff
Sun Apr 15, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: PayPal fund request from unknown person?
Replies: 19
Views: 1493

Re: PayPal fund request from unknown person?

ChinchillaWhiplash wrote:
Thu Apr 12, 2018 8:29 pm
Iliketoridemybike wrote:
Thu Apr 12, 2018 7:30 pm
Delete and block the sender.
Will do. Any chance that the account has been compromised?
I would strongly consider that. Delete the inquiry, block the sender, change the password and perhaps it would be a good idea to delete the PayPal account and restart another there.
by midareff
Sat Apr 14, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 160
Views: 9982

Re: BH travel tips?

I would love to hear some tips about traveling with shoes. We tend to pack at least two pairs of shoes - one pair of boots and another pair of everyday shoes, which makes it difficult to travel with only a carryon. My travel packing revelation was that regardless of where I went, I could usually fi...
by midareff
Wed Apr 11, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Periodontist at fault?
Replies: 33
Views: 3196

Re: Periodontist at fault?

The dentist referred her to get it checked out since I believe it was outside his scope? The periodontist recommended replacing the crown which the dentist did but the actual issue was not resolved. I don't understand how neither of them took an x-ray from the git-go. Both incompetent IMHO. Both ou...
by midareff
Sat Apr 07, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 2691

Re: GEICO rate increase: 49% annualized?!

I have had Geico for the last 5 years. Just switched to a much more expensive vehicle and rates went up significantly so I quoted Progressive and Hartford as a comparison. Both were more than $600 annually higher.
by midareff
Wed Apr 04, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5431

Re: 2018 Camry. What's wrong with me?

I rented a Camry a few years ago for a trip from Asheville into the NC mountains for a few days. Served its purpose as utilitarian transportation. Same with a Maxima a couple years earlier. Would I buy either for my daily use .. nope.
by midareff
Tue Apr 03, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 3814

Re: How did you file your income taxes?

Turbo e filed January 29 and e refund reached bank on 2/6/2018. That's about as fast as it can get.
by midareff
Tue Apr 03, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 4186

Re: Microsoft tech support scam - how to recover?

squirm wrote:
Mon Apr 02, 2018 11:42 pm
The only thing greatly concerns me is when something doesn't seem right with Lastpass.
Amen!
by midareff
Mon Apr 02, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Applying some of refund to next year
Replies: 13
Views: 852

Re: Applying some of refund to next year

I simply multiply this years number (file early) by 110% and divide by 4. Schedule EFTPS against an Ally 1.45% interest account I use to escrow for this type of stuff.
by midareff
Mon Apr 02, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Porsche 911 & Carmax?
Replies: 13
Views: 2656

Re: Porsche 911 & Carmax?

snackdog wrote:
Mon Apr 02, 2018 6:06 am
Why would a Porsche be different from any other car Carmax resells? A car is a car.
Complexity.
by midareff
Mon Apr 02, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Planning to trade car with my friend. Need bogleheads' wisdom
Replies: 22
Views: 1851

Re: Planning to trade car with my friend. Need bogleheads' wisdom

You are both taking delivery in 7 months ..... so I assume you didn't place your orders last week and thought of this today? Can you sell them to each other for $10 and pay the tax on that? The rest of the transaction can be cash, friend to friend. Of course, if you are financially stressed nothing ...
by midareff
Mon Apr 02, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Advice with Vanguard Investments Personal Advisor Services
Replies: 20
Views: 1895

Re: Advice with Vanguard Investments Personal Advisor Services

I went about the entire calculation cycle differently. FWIW, I'm 70, she's 55, both retired. My cola'd pension provides income of XYZ monthly. My SS provides income of XYZ monthly. Portfolio of XXX provides XYZ monthly inclusive of RMD and taxable drawdown and dividends. Monthly required living expe...
by midareff
Mon Apr 02, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Porsche 911 & Carmax?
Replies: 13
Views: 2656

Re: Porsche 911 & Carmax?

If you don't want to sell a car yourself CarMax's buy offer is the yard stick against trade offers. They generally sell for more because they buy for more. A super low miles garage queen from Rennlist or 6speed is a much better idea.
by midareff
Sat Mar 31, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: These 3 Admiral Shares Funds?
Replies: 11
Views: 1411

Re: These 3 Admiral Shares Funds?

Hi, 55 year old with plans to retire in 12 years at 67 year old. Seriously considering transferring my 80K TRP Roth over to Vanguard, using the following 3 fund portfolio. Will this portfolio provide full diversification for me and cheaper than my TRP Roth with Cap Apprec at .71% ER? VBIAX - Balanc...
by midareff
Sat Mar 31, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Recruiter from competitor
Replies: 20
Views: 2598

Re: Recruiter from competitor

Titles are, and can be meaningless. I was always the King of my cubicle. I still had to buy my own lunch.
by midareff
Sat Mar 31, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5772

Re: New car from dealer may have close to 150 miles - ok?

I took delivery of a new car on 3/23. It was ordered exactly the way I wanted it 11/3 and built 3/14, delivered 3/23. Low production vehicle so I was willing to wait. My preferred dealer would not discount worth mentioning and super low balled what would be my trade of the same brand. Dealer #2 was ...
by midareff
Sat Mar 31, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Percentage to Retirement
Replies: 13
Views: 1992

Re: Percentage to Retirement

I do not count the mandatory contribution to a pension as "my" savings, since I cannot roll it into an IRA upon leaving service. So I save 18% of gross income into the 403(b), plus the required contribution. If you can afford to do so, since it's a state program and possibly not well-managed, I wou...
by midareff
Fri Mar 30, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 6604

Re: Asking for a raise/promotion with another offer in hand

About a decade and a little ago I was head hunted by another department in the same large municipal government. The difference was a full executive grade (about 8%), use of a car for commuting and any work needs plus gas (no personal use) and a couple of minor other enhancements. At the time I had b...
by midareff
Fri Mar 30, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9046

Re: How Do You Value Your Home for Net Worth Purposes?

To answer your headline.... NOT at all. As far as net worth.. only the amount at today's closing market + cash savings - credit card debt.
by midareff
Thu Mar 29, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 3865

Re: London Hotels

Might help if you let us know what rate you are willing to pay. Five minutes on the tube is about 2 maybe 3 stops (e.g. also in the city center for purposes of tourism attractions). $200 or less/night. Several stops on the Tube is fine. Just don't want to make many transfers/changes. Thanks! I'd pr...
by midareff
Wed Mar 28, 2018 10:23 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17357

Re: A lot of heavy hitters this morning

The forum self-selects that way I think. Still, there are posts from all walks of life, and I often encounter different wrinkles that I never thought of. No matter how much you have there is someone out there with more. Only you determine how much is enough for you and the savings rate you will use...
by midareff
Wed Mar 28, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: How does your retirement spending compare to pre-retirement spending?
Replies: 48
Views: 6371

Re: Retirees: How does your retirement spending compare to pre-retirement spending?

I'm guessing some things are less and some are more. Used to eat lunch out every day at work and a couple of times a week with wife. Now 3 or 4 or more times out with wife so probably about the same. Drive less (gas, tolls, insurance) since the weekday work commute is gone. Travel is astronomically ...
by midareff
Tue Mar 27, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4071

Re: Savannah or Charleston?

I’ve got a business trip in Atlanta the first week of May. Am thinking of tacking on 3 nights with DH in either Savannah or Charleston, as we’ve never been to this part of the country. Any advice on which? Things to eat or see in each location over this short period of time? Places to stay? Interes...
by midareff
Tue Mar 27, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21781

Re: Anyone Deleting Facebook?

Yup, from computer and deactivated on phone. Never really used it but lately advertising and people kept popping up that made no sense unless they knew far more about me than they should. Someone popped up today that they should have never connected to as a do you know unless they read my phone cont...
by midareff
Tue Mar 27, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about capitulating on house
Replies: 34
Views: 4034

Re: Thinking about capitulating on house

For context, I am saving about $5100/mo.


and the problem with that is? You may find someone you like and want to move them in, have you considered that?
by midareff
Mon Mar 26, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8092

Re: How old were you when you started spending your “principal”?

Don't know yet. Have been retired for 15 years and the portfolio is still larger than when I retired in spite of spending principal each year. Gill Like Gill.... Don't know yet. Age 70 and have been retired for 6 full years and the portfolio is still larger than when I retired in spite of spending ...
by midareff
Sun Mar 25, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: When to Take Social Security (again...)
Replies: 62
Views: 5173

Re: When to Take Social Security (again...)

Lots of discussion here, and elsewhere, including a whole bunch of calculators, life expectancy, etc regarding when to take SS. The general consensus is if you don't need to the money, wait as long as possible. I'm sure, from a strictly dollars and cents perspective, that is true. However, one thin...
by midareff
Sun Mar 25, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Invests money, 3 days later the market tanks.
Replies: 58
Views: 7122

Re: Invests money, 3 days later the market tanks.

Correction: I meant to say $3500 loss of total portfolio. Not 53% loss of 6500. Error. Jack... look at it this way. Back about 25 years ago I read a book written by Peter Lynch. It was named "Beating the Street". In case you don't know Peter was an extremely successful Fidelity Fund manager who ran...
by midareff
Sun Mar 25, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 11886

Re: Seasoned bogleheads repressing the thought of lower expected returns

Are seasoned bogleheads on this forum repressing the prospect of hardly positive real returns for the next decade, because its painful to acknowledge? No need to repress anything, it's a market and markets go up and they go down... and sometimes for extended periods. Younger Bogleheads in accumulat...
by midareff
Sun Mar 25, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: discretionary spending per month
Replies: 54
Views: 5890

Re: discretionary spending per month

I don't see food/groceries as discretionary at all. I consider food/groceries, shopping, clothes, eating out, movies, sundries and such as fixed expenses (with an ample safety cushion) and are inflationary indexed in the budget. Travel is a fixed monthly set aside to accumulate for future expenses....
by midareff
Sat Mar 24, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Miami in early April
Replies: 4
Views: 337

Re: Miami in early April

You should be between festivals at that date, Ultra Music Festival should be wrapped up and gone but with Easter being on April 1 I'm less sure about the spring breakers. Probably some still around. It was near 90 at peak yesterday, expected to be high 70's to low 80's with nights high 60's to low 7...