Search found 5711 matches

by midareff
Sun Oct 21, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 32
Views: 2621

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: 31
Views: 2477

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: 1243

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.
by midareff
Sun Oct 21, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 296
Views: 23182

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

I don't think there is clarity in the new money being pushed in , as in transferred in by Vanguard, vs. being pulled in as in transferred in from Vanguard. I don't allow institutions to pull from my investment accounts so my transfer will have to be a push .. which means even though I have register...
by midareff
Sun Oct 21, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus and cashing out muni fund
Replies: 20
Views: 1508

Re: Ally 1% bonus and cashing out muni fund

It's almost exactly what I'm doing. I tax loss harvested a portion from IT Tax-Ex to Limited Term Tax-Ex to offset some earlier in the year capital gains. Tomorrow's close VG will send $100K to Ally which will arrive Wednesday, and go from savings to No Penalty CD at 2.1%. January 18th it will no p...
by midareff
Sun Oct 21, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1243

Re: 2 rental car reservations?

I have a problem with it. Car rental companies plan the number of reservations they can take and while they have experience with dealing with "no shows", it just isn't an honorable way to book travel.
by midareff
Sun Oct 21, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus and cashing out muni fund
Replies: 20
Views: 1508

Re: Ally 1% bonus and cashing out muni fund

It's almost exactly what I'm doing. I tax loss harvested a portion from IT Tax-Ex to Limited Term Tax-Ex to offset some earlier in the year capital gains. Tomorrow's close VG will send $100K to Ally which will arrive Wednesday, and go from savings to No Penalty CD at 2.1%. January 18th it will no pe...
by midareff
Sun Oct 21, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Globus Journeys - tour group
Replies: 8
Views: 540

Re: Globus Journeys - tour group

Have not used Globus but used Smartours for Thailand, Vietnam, Cambodia, South Africa, Kenya, and Tanzania. Used Grand European Tours for Ireland, Scotland, and Egypt. Used ChinaSpree for two three week trips through China, and Caravan Tours for Costa Rica. Would not hesitate to use them all again i...
by midareff
Sun Oct 21, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 296
Views: 23182

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

"I guess what you are saying this is not a distrust issue. Notwithstanding your situation, in my experience pulling is always the preferred option in any ACH transfer between two financial institutions." I don't think that's what I said, or certainly not what I meant when I said, " I simply don't wa...
by midareff
Sun Oct 21, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 296
Views: 23182

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

I don't think there is clarity in the new money being pushed in, as in transferred in by Vanguard, vs. being pulled in as in transferred in from Vanguard. I don't allow institutions to pull from my investment accounts so my transfer will have to be a push .. which means even though I have registere...
by midareff
Sun Oct 21, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Recently made a separate account used for spending on fun, entertainment, and things I wouldn’t normally buy
Replies: 12
Views: 907

Re: Recently made a separate account used for spending on fun, entertainment, and things I wouldn’t normally buy

I use a separate Ally Savings account to accumulate travel/cruise money. I know exactly how much foes in monthly from RMD and so forth. When I project I will be able to use xyz dollars on a certain date I can reserve a trip that meets that payment criteria. I always maintain some sort of safety marg...
by midareff
Sun Oct 21, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 296
Views: 23182

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

I don't think there is clarity in the new money being pushed in, as in transferred in by Vanguard, vs. being pulled in as in transferred in from Vanguard. I don't allow institutions to pull from my investment accounts so my transfer will have to be a push .. which means even though I have registered...
by midareff
Fri Oct 19, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 296
Views: 23182

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

OK, so I could drop $100K into a $2.1% CD and keep it there until 1/15/2019 and get a $1K bonus... is that the deal? I can harvest some IT Tax-Ex loss and do this maybe twice easily. 1% ($1000.00 bonus for 2 1/2 months of 2.1% interest and no penalty... woohoo. Question is can I do this more than o...
by midareff
Thu Oct 18, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 296
Views: 23182

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

OK, so I could drop $100K into a $2.1% CD and keep it there until 1/15/2019 and get a $1K bonus... is that the deal? I can harvest some IT Tax-Ex loss and do this maybe twice easily. 1% ($1000.00 bonus for 2 1/2 months of 2.1% interest and no penalty... woohoo. Question is can I do this more than on...
by midareff
Wed Oct 17, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 29475

Re: High End Wrist Watches (Gone Crazy)

It's not a watch, it's a man's jewelry and a bit of self expression of what we find attractive. I say that having a premium watch (Rolex) and having had a second one I sold last year for what I had in after having use of it for ten years. I bought the first one Grey Market new and the second had pro...
by midareff
Wed Oct 17, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6367

Re: Did you retire because you hit your number?

Combination of reasons... in no particular order. Political changes had made it impossible to make further achievements towards goals. Goals had been largely achieved. Number had been reached. When your eyes turn brown they have filled you up and it's time to go. I was 64 and April Fool's Day 2012 ...
by midareff
Wed Oct 17, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2028

Re: Retired applying for credit cards

They ask about income and don't specify "taxable" .. :-). I've been reired 7 years and play the credit card games too. I found they can't issue them fast enough as long as you have a strong FICO.
by midareff
Wed Oct 17, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6367

Re: Did you retire because you hit your number?

Combination of reasons... in no particular order. Political changes had made it impossible to make further achievements towards goals. Goals had been largely achieved. Number had been reached. When your eyes turn brown they have filled you up and it's time to go. I was 64 and April Fool's Day 2012 ...
by midareff
Wed Oct 17, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6367

Re: Did you retire because you hit your number?

Combination of reasons... in no particular order. Political changes had made it impossible to make further achievements towards goals. Goals had been largely achieved. Number had been reached. When your eyes turn brown they have filled you up and it's time to go. I was 64 and April Fool's Day 2012 s...
by midareff
Tue Oct 16, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2667

Re: trip to Grand Cayman & dieting

My rule is don’t worry about dieting on vacation. Otherwise you know exactly what you need to do. The keep your mouth shut diet hasn’t failed. I try my best to avoid too much weight gain on trips.. we cruise frequently so it's an issue. You just have to give something up IMHO. I'm not giving uthe w...
by midareff
Mon Oct 15, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 2018 Good For Gurus
Replies: 7
Views: 1087

Re: Larry Swedroe: 2018 Good For Gurus

As they say.... nobody knows nothing, and the beat goes on.
by midareff
Mon Oct 15, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2667

Re: trip to Grand Cayman & dieting

My rule is don’t worry about dieting on vacation. Otherwise you know exactly what you need to do. The keep your mouth shut diet hasn’t failed. I try my best to avoid too much weight gain on trips.. we cruise frequently so it's an issue. You just have to give something up IMHO. I'm not giving uthe w...
by midareff
Sun Oct 14, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13624

Re: Warning: avoid Windows 10 update 1803

1803 since the May install date. Outlook 10 works fine as do all other programs including many photo software programs.
by midareff
Sun Oct 14, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3097

Re: Reducing overall medical costs. Do we do anything?

My late father was, generally, in excellent health. While he had great respect for the medical professions, especially in his later years, he would only see a doctor if he believed he would die otherwise. Worked for him - he lived to almost 90. My father hated them in his later years as well. ... u...
by midareff
Sun Oct 14, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5947

Re: Neighbor discussing finances with me

No, you really do not have to do something here. Proceed at your own risk. For casual friends I just smile and walk away. For good friends I gift them a book.. a William Bernstein or Bogleheads. Special folks get access to my library one book at a time. A young fellow I befriended has read Bernstei...
by midareff
Sun Oct 14, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3097

Re: Reducing overall medical costs. Do we do anything?

I am not going to go for a doctor for a wellness / regular test this year. Two years ago after retired, I went for my first wellness test on Medicare. Due to billing errors, Medicare denied some of the coverage and it was a real hassle sorting it out. So I decided all of these tests were unnecessar...
by midareff
Wed Oct 10, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4451

Re: When stock and bod drop at the same time, what do you do?

randomizer wrote:
Wed Oct 10, 2018 3:35 pm
Nothing. Not a very exciting reply, but investing isn't supposed to be exciting.
+1
by midareff
Wed Oct 10, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1049

Re: Hiking NH White Mountains. Taking one lens.

I used to shoot Canon and take a backpack full of glass, including big whites. Things have changed, I got older and cameras have changed. I moved on from that backpack of glass and a big FF Canon (5DMKII). Frankly, on ground trips where most of my images are captured I use a Sony RX100 m6 pocket cam...
by midareff
Sun Oct 07, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11557

Re: “It’s probably wise to sell to the sleeping point.”

If someone is close to retirement or in retirement and has the retirement secured, I’d say don’t mess around. Consider doing something more definitive than just 5-10% to lock in the gains of the last decade. Monte Carlo Simulation can be very helpful for these decisions. 8 weeks from retirement and...
by midareff
Wed Oct 03, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: credit card apps (real time notification)
Replies: 9
Views: 607

Re: credit card apps (real time notification)

We are retired and use multiple CC's for the cash rewards. It onlt takes a couple of minutes once a week to keep track of everything with a good password manager and I don't want anything financial connected to my cell phone. Home computer only with Defender and Malwarebytes real time.
by midareff
Wed Oct 03, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Social Security and Asset Allocation
Replies: 50
Views: 4955

Re: Social Security and Asset Allocation

Bapple1420 wrote:
Wed Sep 26, 2018 9:01 am
My goal is to have a 50/50 Stock and Bond Asset Allocation. I calculate a NPV of my Social Security Benefit and include it in my bond allocation. Any thoughts on this?
Social Security is a cash flow, just as pensions or portfolio income are. It is not an asset allocation item.
by midareff
Tue Oct 02, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3108

Re: Anyone ordered a vehicle through a dealership?

We are in the market for a new truck. We have a local dealership where we service and purchase our vehicles. We are looking for a particular vehicle, but we are not seeing it on their lot. Has anyone ordered a vehicle before? How does the process work. Is there any room for negotiation with 2019 ve...
by midareff
Sun Sep 30, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: how to determine the maintenance schedule for newer cars?
Replies: 18
Views: 1259

Re: how to determine the maintenance schedule for newer cars?

Owner's and/or maintenance manual will have the answers.
by midareff
Sat Sep 15, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11761

Re: Age in Bonds - Still Recommended?

LOL, the things that make no sense leading up to and at the time that a record longevity for a bull market has been set will make sense soon enough.
by midareff
Sat Sep 15, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11761

Re: Age in Bonds - Still Recommended?

I remember when the conversation on here during 2009/2010 was about how 60/40 was a good all weather portfolio- now the discussion is about how unnecessary (or rather minimal) a bond position is/should be in making up ones portfolio-just an observation Anyone else remember this? +1, how quickly the...
by midareff
Fri Sep 14, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: What can you homegrown financial management spreadsheet do?
Replies: 21
Views: 1310

Re: What can you homegrown financial management spreadsheet do?

I know many BHs use external software or online services to update and analyze their finances, but many others like me rely on homegrown spreadsheets. This thread is directed at them. It would be interesting to know what facility you've built. I'll start. I have a few connected spreadsheets, all ve...
by midareff
Fri Sep 14, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3204

Re: Pay off 3.125% 152k mortgage early?

Paying off the debt is a reasonable alternative to fixed income investing. OTOH, I personally don't have an issue with a reasonable amount of low interest rate tax deductible debt. You could put the extra income into something like Vanguard's Intermediate Term Tax-Ex Bond Fund and generate some tax...
by midareff
Fri Sep 14, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Credit card question - get Uber's new 4%er?
Replies: 57
Views: 7511

Re: Credit card question - get Uber's new 4%er?

So I have a couple of 10+ year old credit cards (one with rotating 5% and another with 1%), along with a 5 year CC (3% at grocery stores) and a 1 year CC (2% flat). I was debating getting the new Uber credit card with 4% cash back at restaurants/bars, 3% at hotels. I imagine I spend maybe $2500-$40...
by midareff
Fri Sep 14, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6751

Re: Lower Return Decade Says Jack: Thoughts?

The answer is save enough and retire with enough so you are not dependent on returns for your life style. Unfortunately, that plan is to unrealistic for most people. I suspect that is due to most people living larger than necessary and not developing proper habits early on. People can start a disci...
by midareff
Fri Sep 14, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6751

Re: Lower Return Decade Says Jack: Thoughts?

AlphaLess wrote:
Thu Sep 13, 2018 10:25 pm
midareff wrote:
Sun Sep 09, 2018 11:16 am
The answer is save enough and retire with enough so you are not dependent on returns for your life style.
Unfortunately, that plan is to unrealistic for most people.
I suspect that is due to most people living larger than necessary and not developing proper habits early on.
by midareff
Thu Sep 13, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 21
Views: 1239

Re: Going to the Everglade. A few questions please.

You can go to the SunPass website and order a pass and have everything set up before you get here. Lots of mosquito repellent. https://www.sunpass.com/en/home/index.shtml Big hats.. sun screen... lots of mosquito repellent. Leave the local orchids alone if you run across any, the troopers won't like...
by midareff
Thu Sep 13, 2018 7:26 am
Forum: Investing - Help with Personal Investments
Topic: What do I do with my investments during a downturn/recession?
Replies: 24
Views: 2841

Re: What do I do with my investments during a downturn/recession?

Stay with your plan and keep buying. There is nothing better than buying stocks at a fire sale.
by midareff
Wed Sep 12, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3267

Re: Opinion's: Best time to withdraw RMD's when required to do so.

I simply withdraw (automatically) 1/12 of the required RMD monthly in the form of a transfer from VG to bank. It's just another source of income besides SS, pension, Roth, dividends from taxable and so forth.
by midareff
Tue Sep 11, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a point where you should stop or hold off rebalancing?
Replies: 15
Views: 1116

Re: Is there a point where you should stop or hold off rebalancing?

There are some interesting papers on the subject.. https://www.kitces.com/blog/how-rebalancing-usually-reduces-long-term-returns-but-is-good-risk-management-anyway/ http://resource.fpanet.org/resource/09BBF2F9-D5B3-9B76-B02E27EB8731C337/daryanani.pdf https://seekingalpha.com/article/58561-in-favor-o...
by midareff
Mon Sep 10, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: One bond fund is enough?
Replies: 16
Views: 1739

Re: One bond fund is enough?

Hello, I’m about to invest for the first time, with Vanguard, and spoke to one of their advisors by phone twice and he set up a plan, which I might choose to follow. He gave some recommendations for how to invest the bond portion of my portfolio, namely separated into these funds: Vanguard Total Bo...
by midareff
Mon Sep 10, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8550

Re: Can Sneakers go with Business Casual?

Makes me so glad I'm retired and in South Florida. AFAIC, a shirt with a collar and long pants are formal wear.
by midareff
Mon Sep 10, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6751

Re: Lower Return Decade Says Jack: Thoughts?

The answer is save enough and retire with enough so you are not dependent on returns for your life style. Bingo. Why count on investment growth above inflation to sleep at night during your retirement? Of course, I'm saving and making all I can...but isn't the whole idea of this blog and investing ...
by midareff
Sun Sep 09, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 6751

Re: Lower Return Decade Says Jack: Thoughts?

The answer is save enough and retire with enough so you are not dependent on returns for your life style.
by midareff
Sun Sep 09, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1580

Re: Good photo book printer for image quality

Just a thought... do the book in Lightroom as others suggested and then burn it to CD and distribute that. I suspect the CD will go unlooked at as much as the book.
by midareff
Sun Sep 09, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 6891

Re: Cell phone tip: block callers

I recently installed the Hiya app based on recommendations from this forum. It seems to recognize spam / robo numbers and will block them. I have had the same message left by many different numbers about some health insurance nonsense. Hoping Hiya will put an end to this annoyance. I use my cell ph...