Search found 5818 matches

by midareff
Tue Dec 11, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 83
Views: 7672

Re: Certified Used BMW, Audi or Mercedes

I am surprised Rover isn't at the very bottom. Lol. My neighbor has one. I think they are personal friends with the tow truck driver by now. Used to be said they liked to mark their territory by leaking oil all over it. Also FWIW, bought a new MB C350 and kept it 5.5 years and traded for a new 2018...
by midareff
Mon Dec 10, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 104818

Re: [What TV Show Have You Recently Watched?]

Currently bingin Person of Interest... 5 or 6 episodes from wrapping up Season 2
by midareff
Mon Dec 10, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about asset allocation
Replies: 4
Views: 423

Re: Concerned about asset allocation

As the saying goes.. "Nobody knows nothing." Whether we are at, or near a peak, or if it is passed, we will only know in the rear view mirror some time from now. Your need, ability and willingness to take risk are paramount. I suspect most would say that investing conservatively would have you at yo...
by midareff
Mon Dec 10, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 101
Views: 6384

Re: To each his own ( I guess )

I'm interested in how others view travel, particularly in retirement. We've seen a lot of scenery over the decades, mostly in the U.S.. At this point my wife is really only interested in travel that includes kids and grandkids. We do have a trip planned to Washington D.C. with kids/grandkids to see...
by midareff
Thu Dec 06, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a point to a Taxable Acount?
Replies: 25
Views: 1875

Re: Is there a point to a Taxable Acount?

Hey all, Currently 28, maxing out my Roth IRA for 4 years now. Any extra money I have has been put into a Vanguard Taxable account of the US Total Market (85%) and International market (15%). I currently have 50k put into the taxable account. My question is, is there a point to this? Im looking to ...
by midareff
Thu Dec 06, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 340
Views: 18633

Re: What are others paying for property taxes around the US?

After purchase and with Florida Homestead Exemption it was about $5800 for a 1400 sq. ft. 2/2 waterfront condo. When the 2007/2008 crash occurred property values were revised to lower taxes. It dropped to pennies under $3600 annually less 4% for November payment, 3% December, etc..
by midareff
Thu Dec 06, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: What Now?
Replies: 11
Views: 1165

Re: What Now?

I'll be 71 this month so I'm not that far behind you. About 43% equities, 45% bonds and balance in CD's and bank cash @ 2% and greater interest. Portfolio still a couple of dollars positive for the year through today. It's a market, it goes up and it goes down. It has really bad days and bad years a...
by midareff
Thu Dec 06, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Problem with Medical Equipment Vendor: Insurance Issues
Replies: 9
Views: 1026

Re: Problem with Medical Equipment Vendor: Insurance Issues

#1. I would login to my Medicare account and see if a claim was; a) ever filed b) denied and the reason for the denial. #2. If the equipment is a covered item and the claim was denied I would call to speak with Medicare and ask specifically why. I have had a couple of denials in the six years I have...
by midareff
Thu Dec 06, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 139
Views: 11849

Re: Who else is getting excited?

Yawn..... A little positive side of zero for the year. Not very exciting (in my book) as a retiree. Birthday this month, seems Decembers are coming faster than they used too. ... that's not very exciting either. Leaving for a three week cruise soon, that's exciting.
by midareff
Wed Dec 05, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2348

Re: Looking for a nice travel watch... recommendations?

Rolex or omega is the perfect travel watch, so you’re already covere. I would think twice to wear any luxury brand while travelling to developing countries. I don't want to become a target for thieves. Aren't you a target for thieves simply by being a tourist or obvious foreigner though? Not as muc...
by midareff
Wed Dec 05, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2348

Re: Looking for a nice travel watch... recommendations?

I travel a lot and would never wear an expensive watch. I've heard too many horror stories about theft. Why would you want to risk yourself and/or others getting hurt in a robbery? I recommend keeping your purchase less than $200 so if you lose it you won't cry. I like my Timex Ironman and wear it ...
by midareff
Wed Dec 05, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2348

Re: Looking for a nice travel watch... recommendations?

Hamiltons are nice - not too blingy, not too expensive. And they come with straps or bracelets. My DH has a Hamilton, and also has a Raymond Weil watch that was ~ $1k, and is lovely. I had a Raymond Weil also..... also about 20 years + old which a new battery did not bring to life. It's somewhere i...
by midareff
Tue Dec 04, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Car Negotiation on MSRP?
Replies: 26
Views: 2206

Re: Car Negotiation on MSRP?

Hi, I have been negotiating with the dealer on the car's MSRP. I am asking MSRP = OTD (including tax, registration, docs, ..bla bla); Meaning, I will pay MSRP as car's Out-to-Door Price. Dealer is saying that is not possible since it takes it below their cost; which I think is [(removed) --admin La...
by midareff
Tue Dec 04, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2348

Looking for a nice travel watch... recommendations?

A little background.. I have a nice dress watch home, a Rolex I bought 20 years ago and I don't travel outside the US with it. We cruise and do mostly foreign travel and I have a new $9 Black Plastic Casio I purchased recently when my last travel watch died. While this is adequate for ground excursi...
by midareff
Mon Dec 03, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3411

Re: Ally CC Offer

I qualified for an AmEx 100k point bonus on 5k (rare bird) which will be 25% of 5k down the road when I dump it into Schwab for 1.25 multiplier. Question: can you get bonuses for both regular AmEx Platinum and Schwab AmEx Platinum? Yes. Hopefully it stays like that for a year or two so I can make a...
by midareff
Mon Dec 03, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10825

Re: Retirement itch- when did you get it?

@ 57... the countdown clock started then.
by midareff
Sun Dec 02, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3411

Re: Ally CC Offer

UpperNwGuy wrote:
Sat Dec 01, 2018 5:18 pm
Don't get the Ally credit card. The rewards are not competitive. Get a 2% card from Citi, Fidelity, PenFed, or Alliant.
So, a 20% reward isn't competitive?
by midareff
Sun Dec 02, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Rules of thumb for allocation/exposure
Replies: 29
Views: 2181

Re: Rules of thumb for allocation/exposure

The problem with Rules of Thumb is they all make some kind of sense in a general manner. Graham wrote no less than 25/75 and no more than 75/25. Bogle and others have suggested your age in bonds. Everyone's situation is different. Do you have a pension, annuity, etc., that puts or establishes an inc...
by midareff
Sat Dec 01, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: "The Steak Dinner Annuity Pitch"
Replies: 60
Views: 7155

Re: "The Steak Dinner Annuity Pitch"

I've gone to 2 of these dinners. At the first I asked what was for dinner and they said Chicken so Idecided not to stay... at the second it was a good meal, a nonsense presentation and a closing pitch, to which I am immune. A rep called the next day to schedule an appointment and I asked why she tho...
by midareff
Sat Dec 01, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3411

Re: Ally CC Offer

Unfortunately for Ally, there is no reason to get their card considering citi double cash and fidelity cards. They should consider 2.5% cash back on everything if paid into an Ally bank account. The point is the $100 back on $500, not the ongoing. That's 20% cash back and then it gets retired. The ...
by midareff
Sat Dec 01, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3411

Re: Ally CC Offer

TIAX wrote:
Fri Nov 30, 2018 6:32 pm
Unfortunately for Ally, there is no reason to get their card considering citi double cash and fidelity cards. They should consider 2.5% cash back on everything if paid into an Ally bank account.
The point is the $100 back on $500, not the ongoing. That's 20% cash back and then it gets retired.
by midareff
Fri Nov 30, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 1965

Re: United HealthCare

I have them as a Medicare Supplement and no issues for 5 years.
by midareff
Fri Nov 30, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3411

Ally CC Offer

Spend $500 in 90 days and you get $100. 2% gas ans groceries, rest @ 1%. 10% bonus if rewards go to an Ally account..
by midareff
Fri Nov 30, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4381

Re: How do Bogleheads justify taking vacation?

It's really easy Andro.... at least for me. Can fellow Bogleheads and financially prudent people explain how do you justify taking vacation? I've adjusted your text a bit ....... So far I have come up with "reasons" for taking vacation, and I really can justify all of them. - I like to do "touristy"...
by midareff
Fri Nov 30, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 107
Views: 5944

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

Different people collect different things. I wouldn't wouldn't necessarily sell what you already have, but I'd turn my focus to funding your retirement from now on. I agree with Cheese.... spending years putting together a watch collection isn't different than spending years putting together a high...
by midareff
Wed Nov 28, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: NJ Pension - Purchasing Service Credit
Replies: 20
Views: 1412

Re: NJ Pension - Purchasing Service Credit

I think it also depends on the pension benefit. If your pension benefit is 100% salary, I would not pity that getting cut to 75% salary. But if your pension benefit is 50% salary and it gets cut to 40% salary, then that’s much worse in my opinion. Some states have ridiculous pension benefits (I don...
by midareff
Wed Nov 28, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7387

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

willthrill81 wrote:
Mon Nov 26, 2018 9:41 pm
stan1 wrote:
Mon Nov 26, 2018 9:04 pm
Contact your insurer and follow their directions.
I wouldn't make any additional posts admitting fault or anything else about the case.
:thumbsup
+12
by midareff
Tue Nov 27, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best budget spreadsheet?
Replies: 17
Views: 1837

Re: Best budget spreadsheet?

It would take time, but building a spreadsheet would be the best. This is my opinion as well. You can customize it to your needs. Plenty of people here will tell you to use Mint or other similar programs/sites, but I am just not in favor of giving a third party all of my banking information. We tak...
by midareff
Tue Nov 27, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Pension - Purchasing Service Credit
Replies: 20
Views: 1412

Re: NJ Pension - Purchasing Service Credit

What is the funding ratio of the New Jersey pension system? You want to make certain that the plan is on solid footing. Just looked, according to Bloomberg their funding ratio is 30.9%, not good. Horrible in fact. Make sure you have substantial investments outside your pension. With such a bad fund...
by midareff
Tue Nov 27, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: NJ Pension - Purchasing Service Credit
Replies: 20
Views: 1412

Re: NJ Pension - Purchasing Service Credit

What is the funding ratio of the New Jersey pension system? You want to make certain that the plan is on solid footing. Just looked, according to Bloomberg their funding ratio is 30.9%, not good. Horrible in fact. Make sure you have substantial investments outside your pension. With such a bad fund...
by midareff
Tue Nov 27, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 1990

Re: Upgrade Canon 60D to FF or new iPhone?

My wife has a 60D that she likes but has always wanted a full frame camera. I haven’t done recent research but am guessing the body would be about a grand on the low end and another lens would be close to the same. Any recommendations? She doesn’t use a DSLR a ton, so getting an iPhone XS could be ...
by midareff
Tue Nov 27, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Bogleheads Greatest Hits
Replies: 27
Views: 3646

Re: Bogleheads Greatest Hits

BlackStrat wrote:
Tue Nov 27, 2018 10:14 am
"A bull market is like sex - it feels best right before it ends"

-author unknown
LOL +1000
by midareff
Tue Nov 27, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: eBay Item not Received
Replies: 20
Views: 1404

Re: eBay Item not Received

Purchased two items from seller that were shipped out 16 days ago. I live two states away. No tracking info provided by seller. It is past the eBay estimated delivery date. Email seller two days ago requesting refund for item not received. Seller replies that we will get back to you by Monday with ...
by midareff
Tue Nov 27, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1735

Re: LastPass Questions

I've been using LastPass for quite a few years now with the Premium version so it is on my phone as well, although I never use it there. ... home computer only. I think it's great.
by midareff
Sun Nov 25, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5435

Re: New TV Recommendations Please?

https://www.costco.com/Samsung-75%22-Class-(74.5%22-Diag.)-4K-UHD-LED-LCD-TV.product.100412573.html I have ordered this 75" TV but not yet received it. 99.9% of the time only 1 or 2 people see the TV from sitting in front of it (not an angle) in our house. For about 1600 I could get a 55" OLED or a...
by midareff
Sat Nov 24, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Trip to Ireland
Replies: 12
Views: 1026

Re: Trip to Ireland

Other thing is there are a lot of great restaurants you won't be able to go to if you are with a big tour group. I go to Ireland fairly often. If in Galway check out Kai Restaurant and Oscars Seafood! That is very true. OTOH, there are lots of times you will be looking out the bus window rather tha...
by midareff
Sat Nov 24, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Helping a friend with his manager
Replies: 33
Views: 1809

Re: Helping a friend with his manager

I have a friend who has used a money manager to manage his 401k, and a taxable account. He has been with him for the past 7 years and gave him 6k each year, he recently did some calculations and figured out that he has had a 2% gain from principle in total for the 7 years in the taxable account at ...
by midareff
Sat Nov 24, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: How many vacations per year is optimal?
Replies: 53
Views: 4674

Re: How many vacations per year is optimal?

Sandtrap wrote:
Sat Nov 24, 2018 10:06 am
DW and I are retired.
Every day feels like we're on vacation.
:D
Especially the ones when we wake up on a Viking Ocean or River Cruise ship. The morning chores, put a Nespresso cup in the room's machine and get presentable for breakfast.
by midareff
Sat Nov 24, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Denied credit card opening
Replies: 25
Views: 2038

Re: Denied credit card opening

Metoo.... LOL. Hard to turn down free money isn't it.
by midareff
Sat Nov 24, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Trip to Ireland
Replies: 12
Views: 1026

Re: Trip to Ireland

I toured Scotland and Ireland with Grand European (GE) Tours back about a decade ago and they did a GREAT job. They were very accommodating when booking the travel and allowed me to layover in London for a few days on the way home after the tour. I can recommend them highly (no personal interest her...
by midareff
Sat Nov 24, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5435

Re: New TV Recommendations Please?

Biggest Samsung you can fit in the space you have for TV. Then pick the grade of that TV by your budget. Had a Sony projector at one time and it was with me so long it was time to either adopt it or send it to college.. LOL. It's most endearing quality was a built in ON and OFF timer so it was my al...
by midareff
Sat Nov 24, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Affordable Furniture for first adult apartment
Replies: 29
Views: 2519

Re: Affordable Furniture for first adult apartment

My first apartment, that diodn't come furnished, had my mattress on the floor and decor mostly by orange crate with a couple cheapo bar stools at the counter bar. Between working long hours and an active social life I wasn't home enough to need furniture. For the occasional company, I figured any gi...
by midareff
Sat Nov 24, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5470

Re: What’s your “barometer” for luxury purchases?

Interesting question..... for us, my pension and SS pays (+/-) our living expenses so portfolio income is discretionary. At 71 (next month) doing the things I want to do and seeing parts of the world I want to see while I can is my top priority, so we cruise different parts of the world four to six...
by midareff
Sat Nov 24, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5470

Re: What’s your “barometer” for luxury purchases?

Interesting question..... for us, my pension and SS pays (+/-) our living expenses so portfolio income is discretionary. At 71 (next month) doing the things I want to do and seeing parts of the world I want to see while I can is my top priority, so we cruise different parts of the world four to six ...
by midareff
Thu Nov 22, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 58
Views: 7824

Re: A lot of us expected a US stock "pull back" is this it?

Well, it might be a pullback, then again it might be just some daily, weekly, monthly "noise". Then again, it might not be. Methinks it has been well proven that nobody knows what the market will do next, historical long term trends notwithstanding. It's already shown to be the longest, or certainly...
by midareff
Wed Nov 21, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Ally 2.65% 12 month CD
Replies: 8
Views: 2225

Ally 2.65% 12 month CD

For all amounts, even under $5K according to their web site. Looks pretty tempting compared to bonds in taxable at this time.

Your thoughts?
by midareff
Tue Nov 20, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: San Juan, Puerto Rico
Replies: 11
Views: 1581

Re: San Juan, Puerto Rico

There are many organized tours available ... many even pickup direct from your hotel. They can range from rain forest, general sightseeing to the old fort and more. Try Viatour online. I've had great results with them in several cities.
by midareff
Tue Nov 20, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6174

Re: Point and shoot camera

For those who don't know https://www.dpreview.com/ is a fabulous camera/photography site. They have Forums, not as well moderated as they are here but nevertheless moderated, for just about every brand and class of camera where folks can help if someone has a problem. They also review cameras, came...
by midareff
Tue Nov 20, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6174

Re: Point and shoot camera

For those who don't know https://www.dpreview.com/ is a fabulous camera/photography site. They have Forums, not as well moderated as they are here but nevertheless moderated, for just about every brand and class of camera where folks can help if someone has a problem. They also review cameras, came...
by midareff
Mon Nov 19, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6174

Re: Point and shoot camera

For those who don't know https://www.dpreview.com/ is a fabulous camera/photography site. They have Forums, not as well moderated as they are here but nevertheless moderated, for just about every brand and class of camera where folks can help if someone has a problem. They also review cameras, came...