Search found 5460 matches

by midareff
Sat May 19, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 60
Views: 3038

Re: What’s your phone/internet bill?

Internet $39/ mo unlimited up/down.

phone $41.55 for both with unlimited voice/texts + enough gb of data for both. Consumer Celluler.
by midareff
Thu May 17, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Small caps and Micro caps
Replies: 6
Views: 470

Re: Small caps and Micro caps

Trying to beat the Total Market?
by midareff
Thu May 17, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 361
Views: 15540

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I think most of that has to do with the inability to retire at a higher income than when they were working. Personally, I targeted 140% of my pre-retirement income as my retired income as I knew I wanted to travel. Right. This is why I generally recommend that folks consider their (reasonably consi...
by midareff
Thu May 17, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Car mileage, Fuel additives and other
Replies: 31
Views: 1382

Re: Car mileage, Fuel additives and other

If you are not using synthetic oil that will make a slight difference in efficiency. Whether or not that will offset the addition cost is another question. It used to be that Chevron had the best additive (Techron) but that was then and this is now and I haven't followed the industry. That said, I o...
by midareff
Thu May 17, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 361
Views: 15540

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I think most of that has to do with the inability to retire at a higher income than when they were working. Personally, I targeted 140% of my pre-retirement income as my retired income as I knew I wanted to travel.
by midareff
Thu May 17, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 130
Views: 6742

Re: how do you tip on wine at a restaurant

What if I order water (free), do I tip zero? It is the same amount of work if I order another non-alcoholic drink. When one of us as designated driver orders water from a bartender, we always tip $1-2, even though water is "free". If we're at a restaurant already dining with a food check, then prob...
by midareff
Thu May 17, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2882

Re: Unique Phone Apps that you find yourself using most often?

...I would never use mobile devices for financial sites. Partly because I don't trust the security of these devices and partly because I don't need to - now that I don't travel for work it would be unlikely that I am away from home for more than two weeks so there really isn't a reason not to wait ...
by midareff
Thu May 17, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7438

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Everyone who accurately predicted the last stock market crash and were able to properly execute trades to take advantage of it became multimillionaires. If your friend is not already fabulously wealthy, he is about to become so. I recommend you become closer to him. The one who accurately predicted...
by midareff
Wed May 16, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2882

Re: Unique Phone Apps that you find yourself using most often?

I really like an app called Here We Go. I can download a detailed street map of any country, city, state or whatever to my phone or tablet and use them offline. Lost in Dublin, Odessa, Seattle, Moscow, Anchorage or where ever..... just open the app and enter the city detail you want, and find from t...
by midareff
Wed May 16, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 130
Views: 6742

Re: how do you tip on wine at a restaurant

On a $127 lunch tab I think you are quite light @ $15. ... especially if you got the typical wine taste first for approval. I'd be more in the 20% or $25+ dollar tip range, maybe a bit more if the service was special. I tip more on the bottle than the food if it's done right, that's just me, YMMV.
by midareff
Wed May 16, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3548

Re: Vanguard Junk Bond fund

I assume we are talking about VWEHX? How did this fund hold up in 2008? Oh that's right, it dropped about 30% in the market crash. Now that is some stability right there..... http://quotes.morningstar.com/chart/fund/chart.action?t=VWEAX®ion=usa&culture=en-US Start with 5/16/2008. Much bigger dro...
by midareff
Wed May 16, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7438

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Everyone who accurately predicted the last stock market crash and were able to properly execute trades to take advantage of it became multimillionaires. If your friend is not already fabulously wealthy, he is about to become so. I recommend you become closer to him. The one who accurately predicted...
by midareff
Wed May 16, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

Good point... the 302 was Camaro only. The early Nova's could have the 283, the mid-60's could have the 327 (which was a nice little engine), and by the late 60's the Nova could be ordered with a big block. Hopefully mid meant the 283 or 327. The later 307 was a dog! Mid was saying people changed o...
by midareff
Tue May 15, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

Best buddy at the time had a Catalina 2+2, 421 Tri-power, as much "muscle car" Nice! Not many will know what that one is. Yes, I'd put that in the group. Although, they were the muscle before the well known muscle cars. The early 1960s Impalas with the 409 would be in that pre-muscle group also. No...
by midareff
Tue May 15, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

I guess we are just going to have to agree to disagree. If you are retired and can write the check, and it puts a big smile on your face .. goforit, just like two room suites on a European River Cruise. There is enough other stuff on the road that I don't need to be a me too with another Mustang or...
by midareff
Mon May 14, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

I guess we are just going to have to agree to disagree. If you are retired and can write the check, and it puts a big smile on your face .. goforit, just like two room suites on a European River Cruise. There is enough other stuff on the road that I don't need to be a me too with another Mustang or...
by midareff
Mon May 14, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to define "rich"?
Replies: 32
Views: 2199

Re: Best way to define "rich"?

airelleofmusic wrote:
Mon May 14, 2018 4:37 pm
Rich is when money is not a concern for you.
Yup +1.
by midareff
Mon May 14, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

anything AMG I'd submit a new AMG (especially anything other than a C63 or E63) is literally the opposite of a bogglehead muscle car. It's the car-guy version of paying Edward Jones a 2% AUM to buy loaded mutual funds :mrgreen: I guess we are just going to have to agree to disagree. If you are reti...
by midareff
Mon May 14, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting advice on pension service credit purchase.
Replies: 5
Views: 318

Re: Requesting advice on pension service credit purchase.

Looks like roughly 12.5 years until even if we say the initial $23065 doesn't/wouldn't make any money along the way. That ignores any survivor advantage/disadvantage. On the other side a 5 year CD @ 2.6% to 2.75% is currently readily available. That seems to lower the $1790 by about $634 annually an...
by midareff
Mon May 14, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

anything AMG I'd submit a new AMG (especially anything other than a C63 or E63) is literally the opposite of a bogglehead muscle car. It's the car-guy version of paying Edward Jones a 2% AUM to buy loaded mutual funds :mrgreen: I guess we are just going to have to agree to disagree. If you are reti...
by midareff
Mon May 14, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

fourwheelcycle wrote:
Mon May 14, 2018 4:06 pm
midareff wrote:
Mon May 14, 2018 7:32 am
anything AMG
How about anything with an M in the model name?
Yup .... test drove the M3 on my way to a decision. They qualify too.
by midareff
Mon May 14, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

anything AMG I'd submit a new AMG (especially anything other than a C63 or E63) is literally the opposite of a bogglehead muscle car. It's the car-guy version of paying Edward Jones a 2% AUM to buy loaded mutual funds :mrgreen: I guess we are just going to have to agree to disagree. If you are reti...
by midareff
Mon May 14, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 124
Views: 5623

Re: Is there a boglehead muscle car?

anything AMG
by midareff
Sat May 12, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Need help with Excel Spreadsheet formula
Replies: 8
Views: 525

Re: Need help with Excel Spreadsheet formula

Put the portfolio in M* and download the number.
by midareff
Sat May 12, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 33
Views: 2029

Re: Picking up New Subaru-Worth buying extended warranty?

Extended warranties are a profit center for the dealer and the sales person making the sale. On average, you will not recover the amount you paid. As another said... if it breaks, pay to fit it.
by midareff
Mon May 07, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5915

Re: When to buy new underwear?

I thought it took a year to break them in. No holes, no garbage can.
by midareff
Mon May 07, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5915

Re: When to buy new underwear?

I thought it took a year to break them in. No holes, no garbage can.
by midareff
Mon May 07, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I save or would be available for health care in retirement?
Replies: 43
Views: 4108

Re: How much should I save or would be available for health care in retirement?

Medicare and a supplement are the easy parts.... I am unable to find a dental insurance plan that is worth having. The ones I do find are for clinics where it seems dentists go the minute they graduate to get experience. I'd rather pay an experienced professional and they are expensive if you need ...
by midareff
Mon May 07, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: New car for my wife
Replies: 25
Views: 2622

Re: New car for my wife

How about a Benz C300 4matic?
by midareff
Mon May 07, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Credit card payment allocation?
Replies: 7
Views: 878

Re: Credit card payment allocation?

I believe they allocate the transfer as they would any other charge. Their concept (of course) is to get as much interest from their customers as possible. Many years ago I did a couple of zero charge no interest transfers and paid them off in two or three months. I haven't paid a credit card compan...
by midareff
Mon May 07, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7848

Re: What career for smartest kid in the class?

I retired from Cardiology 13 years ago at age 54. If I were doing it now, I would choose a career other than Medicine. The average med school debt is $195,000, and we have turned physicians into professional students. If you start med school at age 25 and want to be a Cardiology subspecialist, you ...
by midareff
Mon May 07, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17151

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Let them know you'll be dropping off the car and the keys tomorrow and that you expect a check of all money you put down at the same time. Close BUT; I'd tell them you don't feel like doing that and for them to to bring a certified check for everything you have paid and when brought to you they may...
by midareff
Mon May 07, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: How much should I save or would be available for health care in retirement?
Replies: 43
Views: 4108

Re: How much should I save or would be available for health care in retirement?

Medicare and a supplement are the easy parts.... I am unable to find a dental insurance plan that is worth having. The ones I do find are for clinics where it seems dentists go the minute they graduate to get experience. I'd rather pay an experienced professional and they are expensive if you need ...
by midareff
Mon May 07, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17151

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Let them know you'll be dropping off the car and the keys tomorrow and that you expect a check of all money you put down at the same time. Close BUT; I'd tell them you don't feel like doing that and for them to to bring a certified check for everything you have paid and when brought to you they may...
by midareff
Sun May 06, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Mobile Deposit Gone Wrong
Replies: 19
Views: 2715

Re: Mobile Deposit Gone Wrong

Six months later? Checking your account more regularly would be a good idea like every week. Banks and people make mistakes fairly often. Do you have more than one bank that you use a mobile app for? and the same for credit cards. A long term friend confided that someone had been dinging one of his...
by midareff
Sun May 06, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16009

Re: most compelling TV character ever

Captain James T Krk. (William Shatner) Captain Jean-Luc Picard (Patrick Stewart) +1 but have to add Leonard Nimoy ... Spock. previously mentioned Mark Harmon, and add Tony Dinozo and Ziva David on NCIS and of course Abby Schutto. Dr. Grey on Grey's Anatomy. ... and Dr. House on his show was compell...
by midareff
Sun May 06, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: How much should I save or would be available for health care in retirement?
Replies: 43
Views: 4108

Re: How much should I save or would be available for health care in retirement?

Medicare and a supplement are the easy parts.... I am unable to find a dental insurance plan that is worth having. The ones I do find are for clinics where it seems dentists go the minute they graduate to get experience. I'd rather pay an experienced professional and they are expensive if you need a...
by midareff
Sun May 06, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4565

Re: Best cash-back credit card right now?

If you don't want to play games, just use Citi doublecash. If you play games for fun and profit.....first, don't use an Amex anything for manufactured spending as they'll shut you down immediately. Uber Visa: I use this for the 4% at restaurants. I know it has other bonus categories but I don't rea...
by midareff
Sun May 06, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17151

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Let them know you'll be dropping off the car and the keys tomorrow and that you expect a check of all money you put down at the same time. Close BUT; I'd tell them you don't feel like doing that and for them to to bring a certified check for everything you have paid and when brought to you they may...
by midareff
Sun May 06, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4565

Re: Best cash-back credit card right now?

If you don't want to play games, just use Citi doublecash. If you play games for fun and profit.....first, don't use an Amex anything for manufactured spending as they'll shut you down immediately. Uber Visa: I use this for the 4% at restaurants. I know it has other bonus categories but I don't rea...
by midareff
Fri May 04, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2286

Re: SUV vs Full Size Car - Taurus or Escape

I understand your perspective Watty however; as cars wind down dealer service staff will too along with parts room inventories. The more important part being ability for dealers to furnish warranty support for no longer manufactured vehicles. Aftermarket shops and such will always be able to fix st...
by midareff
Fri May 04, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 4734

Re: How old is too old for a vehicle, even for a well running one ?

Before I retired I never went by age or miles. I did all required maintenance and then went by frequency of needed repairs and their expected costs. While still in my career... fleet management, we gradually expanded our general rule to 10 years, 125K miles and then until costs of repairs was > or =...
by midareff
Fri May 04, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6391

Re: Starting to smell like buying season?

I dropped my equity allocation about 15% a couple months back by selling rallies. Waiting for down at least 15% to start any buying outside of my regularly planned purchases. That said my plans tend t have some situational fluidity and are not carved in stone. I certainly hear the not carved in sto...
by midareff
Fri May 04, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2286

Re: SUV vs Full Size Car - Taurus or Escape

Lynette... Ford is going out of the car business except for the Mustang. That means factory parts and warranty support will be diminishing for sedans. They are even stopping production of police cruisers. If it must be a car I'd recommend it not be a Ford. I am not sure how it would work with the f...
by midareff
Fri May 04, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7745

Re: Bucket List Adventures/Activities

It's international travel for me TL and we have been at it hard for several years. We did a good bit of USA travel while we were waiting for my wife's US Citizenship and Passport but that is accomplished as of 11/17 and we are back on international. US wise we did Alaska sea and ground, Snake and C...
by midareff
Fri May 04, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6391

Re: Starting to smell like buying season?

What do you think? I dropped my equity allocation about 15% a couple months back by selling rallies. Waiting for down at least 15% to start any buying outside of my regularly planned purchases. That said my plans tend t have some situational fluidity and are not carved in stone. I certainly hear th...
by midareff
Thu May 03, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6391

Re: Starting to smell like buying season?

Based on a 1.4% drop in the first 2.5 hours of Thursday? From the end of January high of 26,616.71 to right now's 23,584.26 is a bit more than 1.4% Joe. Back napkin match approaching 12%. You don't specify what that number means, but I guess it might be the Dow Jones Industrial Average index number...
by midareff
Thu May 03, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6391

Re: Starting to smell like buying season?

What do you think? I dropped my equity allocation about 15% a couple months back by selling rallies. Waiting for down at least 15% to start any buying outside of my regularly planned purchases. That said my plans tend t have some situational fluidity and are not carved in stone. I certainly hear th...
by midareff
Thu May 03, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6391

Re: Starting to smell like buying season?

Based on a 1.4% drop in the first 2.5 hours of Thursday? From the end of January high of 26,616.71 to right now's 23,584.26 is a bit more than 1.4% Joe. Back napkin match approaching 12%. I guess I don't understand what the "starting" is about then. The "start" was back when everything dropped 10%....
by midareff
Thu May 03, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 6391

Re: Starting to smell like buying season?

AlohaJoe wrote:
Thu May 03, 2018 9:56 am
Based on a 1.4% drop in the first 2.5 hours of Thursday?
From the end of January high of 26,616.71 to right now's 23,584.26 is a bit more than 1.4% Joe. Back napkin match approaching 12%.