Search found 5240 matches

by protagonist
Tue Jul 10, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters
Replies: 108
Views: 8554

Re: Are Bonds Always Safe? — A Second Look at U.S. Portfolio Disasters

The relative safety of bonds has probably been over-rated since we have exoerienced almost a 40 year period of mostly declining interest rates, from the highest rates in modern history to the lowest. The 30-40 years prior to that, with progressively increasing interest rates, tell a different story....
by protagonist
Tue Jul 10, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: PenFed or Navy Federal?
Replies: 30
Views: 2121

Re: PenFed or Navy Federal?

Don't limit yourself to two choices.
Check who offers the best rates on depositaccounts.com
Then go with them, and switch later if for any reason you are dissatisfied.
It's easy enough to move from one bank to another, so don't take your decision too seriously.
by protagonist
Tue Jul 10, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2243

Re: Should I move all my investments to Vanguard?

I have about 60% of my investments held at Vanguard and 40% of my investments held at Fidelity. The Fidelity support leaves much to be desired and I am think of moving all my investments to Vanguard. What would you say are the pros and cons of this move? Thanks Dennis I have gotten excellent suppor...
by protagonist
Tue Jul 10, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Continue to Rent or Sell
Replies: 20
Views: 1540

Re: Rental Property - Continue to Rent or Sell

Pajamas wrote:
Mon Jul 09, 2018 6:36 pm
Another accidental landlord situation!

Would you buy this property today? If not, sell.
Excellent advice. About most things in life actually.
by protagonist
Tue Jul 10, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 18
Views: 1520

Re: Avocado oil --recommendations?

I also use it on popcorn in lieu of butter, where olive oil would be overpowering. It's hard to beat butter on popcorn. I don't use a lot of butter and I rarely make popcorn but when I do, I put butter on it. ... and grass-fed butter (for example Kerrygold or locally sourced) isn’t the death senten...
by protagonist
Tue Jul 10, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 110
Views: 15670

Re: "10 Savvy Ways You Can Spot Fake Reviews"

Bogleheads: First time Boglehead posters bashing a non-financial product may be real but good investors are skeptical. This article will help spot impostors: 10 Savvy Ways You Can Spot Fake Reviews Best wishes. Taylor I find this website very useful for evaluating reviews : https://www.fakespot.com...
by protagonist
Tue Jul 10, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 18
Views: 1520

Re: Avocado oil --recommendations?

I bought some at Trader Joe's/ It has very little flavor. I assumed that is normal for avocado oil. Not like olive oil. Am I wrong? The same thing happened to me. I was excited when Trader Joe's started carrying avocado oil and grabbed a bottle but was completely disappointed when I opened it as it...
by protagonist
Mon Jul 09, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 42
Views: 4564

Re: Fidelity cash position

If you can initially invest $100K , look at FZDXX Premium Money Market , currently getting close to 2% yield. https://fundresearch.fidelity.com/mutual-funds/summary/31617H805 You just have to make a $100K initial investment, which is steep. But if you can, after that you can invest most of it in oth...
by protagonist
Mon Jul 09, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 18
Views: 1520

Re: Avocado oil --recommendations?

I bought some at Trader Joe's/

It has very little flavor.

I assumed that is normal for avocado oil. Not like olive oil.

Am I wrong?
by protagonist
Mon Jul 09, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Continue to Rent or Sell
Replies: 20
Views: 1540

Re: Rental Property - Continue to Rent or Sell

I sold one with decent cash flow about a month ago that I inherited in 2005.

I feel like an albatross has been lifted from my neck. I had an ideal tenant and I was a great landlord. Still, IMHO, being a landlord only complicates your life.

I like to keep life simple.
by protagonist
Mon Jul 09, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

I think it is important to remember that, unless you are talking about really large investments, small differences in yield over a 2 or even a 3 year period are rather trivial. For each $10K invested, only $10/yr. per each 0.1% yield difference. For that reason, I just accepted the best yields I cou...
by protagonist
Fri Jul 06, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8689

Re: What I spent in 6 months on medicare

I am in my early 70's - and I just reviewed what I spent on Medical costs under Medicare. While this is anecdotal - it is an example of my low costs (so far at least). Medicare Part B - $134/month - 6 months = $804 Medicare (Kaiser) plan premiums $30/month - 6 months = $180 My approximate prescript...
by protagonist
Fri Jul 06, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Healthcare Sharing?
Replies: 51
Views: 3987

Re: Thoughts on Healthcare Sharing?

At least give any example of where it left someone high and dry. JT I googled it. My first hit gave seven. "There were dozens of reader comments left on the bottom of Parnell’s blog post, including six by people who said they were Medical Cost Sharing members and had nonpayment complaints similar t...
by protagonist
Fri Jul 06, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Virtual Bank 2.01% MM [Money Market] savings account
Replies: 4
Views: 1097

Re: Virtual Bank 2.01% MM [Money Market] savings account

We moved accounts from Popular Direct which was still paying 2.00% APY as of June EOM statement cycle to Northern Bank which pays 2.26% APY for balances up to 250,000.00 That is an excellent rate. Though I have a Virtual Bank account at this time, I have not yet funded it. I use my Fidelity brokera...
by protagonist
Tue Jul 03, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3771

Re: Recommend a vehicle for $24,000 or less

GR8FUL-D wrote:
Mon Jul 02, 2018 3:14 pm
Unlike Lexux/Toyota/Honda, neither Volvo or Hyundai's hold their value very well, but they are great cars.
For Hyundai, that might be changing, especially if you keep your car for a long time. Their reputation , and supposedly their cars, have gotten a lot better in recent years.
by protagonist
Tue Jul 03, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 84
Views: 8081

Re: DNA ancestry testing

Nothing to add....just want this to come up when I hit "your posts". *smile*
by protagonist
Tue Jul 03, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1734

Re: Transporting bikes with an SUV?

I never considered the insurance issue....then again I don't have $20K worth of bicycles. I don't either, but we take turns driving and a couple of the guys I ride with (Ironman competitors) have much nicer bikes than I do. :happy I don't mean to seem cold and heartless. But their bikes are their r...
by protagonist
Tue Jul 03, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1734

Re: Transporting bikes with an SUV?

I never considered the insurance issue....then again I don't have $20K worth of bicycles. I don't either, but we take turns driving and a couple of the guys I ride with (Ironman competitors) have much nicer bikes than I do. :happy I don't mean to seem cold and heartless. But their bikes are their r...
by protagonist
Tue Jul 03, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefits?
Replies: 4
Views: 977

Re: Social Security Spousal Benefits?

If you do not need more money, claim spousal benefits at 66 and defer taking your own as long as possible, optimally until age 70. You will effectively be earning 8% per year for each year you wait. I just turned 66 and that is what I am doing. Be very careful with the application. It is confusing, ...
by protagonist
Tue Jul 03, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 2837

Re: How Not to be a Slave to my Wood Deck?

I have a 15x30 wood deck and I have the same problem with the deck paint peeling after 1 year, and 2 years its a total disaster. Im not spending $30,000 for new maintenance free deck. Trex site quotes material cost of $11-15 per square foot for composite decking material. Your deck is 450 sq. ft. A...
by protagonist
Tue Jul 03, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1734

Re: Transporting bikes with an SUV?

This is a simple solution that works well for me....I found it as the #1 recommended bike rack on Wirecutter: https://www.saris.com/product/bones3 It worked well on my Honda Element.....check out how well it would work on your vehicle. It took awhile to set up the first time, but once set up for you...
by protagonist
Mon Jul 02, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Please help find these shoes for an old lady
Replies: 32
Views: 3565

Re: Please help find these shoes for an old lady

I'm impressed at both the willingness of people here to go out of their way to help. as well as the resourcefulness that actually produces results here like almost nowhere else.
I'm like whoa. I'm so like whoa.
by protagonist
Mon Jul 02, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 198
Views: 27898

Re: Learning Violin as an adult...1.5 years later

I used finger tape during the first few months but then realized it was becoming a crutch, that's when I ripped it off. I knew my ears would need to be developed and that meant no tape. I don't sing...I've tried for almost thirty years to sing in my car and I don't have the voice for it. I can empa...
by protagonist
Mon Jul 02, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3771

Re: Recommend a vehicle for $24,000 or less

Consider Kia or Hyundai. They are hungry. They SO want to be considered Honda's and Toyota's equals. I have driven Hondas since the 1980s and was hell-bent on replacing my last Honda with a Honda or Toyota. Hyundai made me an offer I couldn't refuse in the $21K range....many thousands less than the ...
by protagonist
Mon Jul 02, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Computer/reading classes
Replies: 4
Views: 289

Re: Computer/reading classes

My limited FSA covers vision and has funds, so I've been thinking of going to Costco which seems to get good reviews; there's also Zenni/Warby Parker/etc. which get mentioned here, but if I bought progressives, this would be my first pair and I'd probably need more handholding than a website. Zenni...
by protagonist
Mon Jul 02, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7617

Re: Trust Help From Cruel Stepmother

Good Listener wrote:
Mon Jun 18, 2018 7:11 pm
I would go right to a lawyer and I'm sure the lawyer can help get this worked out.
Exactly. Bypass this forum and hire a good lawyer. For a small investment in money and time he should be able to answer your questions I would think.
by protagonist
Mon Jul 02, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees- How hard is it to dial spending down/up?
Replies: 38
Views: 2695

Re: Retirees- How hard is it to dial spending down/up?

A pretty consistent theme here is that after doing research using firecalc/monte carlos, many people suggest during "down" markets in retirement to "reduce spending" if the market corrects severely. It seems to me, someone spending $140k/year in retirement would have a real challenge to spend $65k ...
by protagonist
Mon Jul 02, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 198
Views: 27898

Re: Learning Violin as an adult...1.5 years later

I used finger tape during the first few months but then realized it was becoming a crutch, that's when I ripped it off. I knew my ears would need to be developed and that meant no tape. I don't sing...I've tried for almost thirty years to sing in my car and I don't have the voice for it. I can empa...
by protagonist
Sat Jun 30, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a time share/vacation rental in Mexico
Replies: 12
Views: 1257

Re: Selling a time share/vacation rental in Mexico

Thanks to everyone who replied. I will look into the TUG site to sell or rent my place. I don't want to rent and deal with all that comes with it, but if it brings in enough money over the $250 yearly maintenance fee, which I've already paid through end of December, I may try - at least for one sea...
by protagonist
Sat Jun 30, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4020

Re: Any Reason to Keep My "Landline" Phone?

If you hold on to it for another century or so it might be worth something.
by protagonist
Sat Jun 30, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a time share/vacation rental in Mexico
Replies: 12
Views: 1257

Re: Selling a time share/vacation rental in Mexico

Hi, Boe, and welcome to Bogleheads.
You know who I am (laughing)
See mhalley's post above. Sad but probably true
by protagonist
Fri Jun 29, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

If you are holding multiple secondary CDs purchased through Fidelity, at tax time, will you receive 1099s from each institution that issued the CD? Or just one 1099 from Fidelity?
by protagonist
Tue Jun 26, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10776

Re: I-bonds look pretty bad right now

It is interesting that after 5+ years, according to the ibond there's only been 8% cummulative inflation. I know when I bought them, I was expecting larger nominal returns than that. It doesn't matter. You bought them to keep up with inflation, and for that purpose they have (more or less) succeede...
by protagonist
Tue Jun 26, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Questions on 9 or 12 month CD
Replies: 17
Views: 1532

Re: Questions on 9 or 12 month CD

Also keep in mind that Vanguard Prime money market yield now is 1.91%, so not much less than the Ally 9-month CD, and at the rate it's been climbing, I won't be surprised to see it at 2% in less than a month. What is the minimum investment, and the minimum balance, to receive that level interest? T...
by protagonist
Fri Jun 22, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Questions on 9 or 12 month CD
Replies: 17
Views: 1532

Re: Questions on 9 or 12 month CD

Also keep in mind that Vanguard Prime money market yield now is 1.91%, so not much less than the Ally 9-month CD, and at the rate it's been climbing, I won't be surprised to see it at 2% in less than a month. Kevin What is the minimum investment, and the minimum balance, to receive that level inter...
by protagonist
Fri Jun 22, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

We're about to purchase a CD, personally, I think 3-years for 20-30 basis points isn't worth it given where I believe interest rates are going this year, so we're sticking to 2 years or less. I'm not really close to purchasing tips, but I have my eye on their yields. I agree with you, gips. I am bu...
by protagonist
Fri Jun 22, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

Last I checked the 7 day yield of Fidelity Premium Money Market FZDXX was 1.92%- pretty competitive with the best rates at external banks. Effective after the close of business on December 31, 2015, new positions in the fund are limited to accounts beneficially owned by natural persons, as determin...
by protagonist
Thu Jun 21, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

I am curious though- since the CDs are issued by actual banks, are they covered by FDIC insurance when purchased through Fidelity via the secondary market, just as if you bought them directly through the bank in question? In your search results screen, look at the far-right column, Attributes and I...
by protagonist
Thu Jun 21, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

I am curious though- since the CDs are issued by actual banks, are they covered by FDIC insurance when purchased through Fidelity via the secondary market, just as if you bought them directly through the bank in question? At Vanguard, all the CDs are FDIC insured. I would think the same is true at ...
by protagonist
Thu Jun 21, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Bar Mitzvah Money Investing Ideas
Replies: 21
Views: 1771

Re: Bar Mitzvah Money Investing Ideas

My contrarian view on this: 1. It is his money, not yours. 2. When he goes to college, and in the lean years , while he is being educated and early in his career after graduation, he may want to use it. For example, he may want to buy a car in a few years, or travel, or ??. 3. I assume he won't be e...
by protagonist
Thu Jun 21, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

Last I checked the 7 day yield of Fidelity Premium Money Market FZDXX was 1.92%- pretty competitive with the best rates at external banks. I moved essentially all my cash from my external bank account into Fidelity. I have long used Fidelity as my main checking account, moving money in from an exter...
by protagonist
Wed Jun 20, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4322

Re: Are Bogleheads smarter than the bond market?

There is a lot of talk recently about shifting to shorter duration bonds because interest rates are going up. Do we know something that is not already known by everyone else buying and selling bonds? Do we have information not already priced into the bonds? "The market is smarter than you are" was ...
by protagonist
Wed Jun 20, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

Bought 18 mo. maturity at Fido on secondary market today- yield 2.79% lowered to about 2.73% after commission. Bought 24 mo. maturity at Fido on secondary market today- yield about 2.92% after commission. Nice. What quantities? Typically see the best deals on small quantities, like 5 or less. Kevin...
by protagonist
Wed Jun 20, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13906

Re: Oh my! Cardone says we need $10m net worth

Well, below would be the 4% rule, and no social security. Pretty sure if your going to be accumulating these sorts of assets, even under reduced SS payouts you can bank on at least another 20k on top of this. With a paid off house, I find it hard to believe I'd need 10 million. Anywhere above 2M fr...
by protagonist
Wed Jun 20, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Best Father's Day Gift You Ever Received (or wish you'd received)
Replies: 23
Views: 2379

Re: Best Father's Day Gift You Ever Received (or wish you'd received)

I agree with the majority of posters above. The best gift is expression of love....however it happens....a heartfelt note, phone call, home cooked meal, hang out together, whatever. Like I really need my hardworking graduate student daughter to spend money on me? I do recall reading somewhere that ,...
by protagonist
Wed Jun 20, 2018 12:17 am
Forum: Investing - Theory, News & General
Topic: Retirement spending/ HCOL areas?
Replies: 10
Views: 1920

Re: Retirement spending/ HCOL areas?

There are similar threads, but I am very interested in whether (especially taking into consideration my/ our specifics) those in similar situations spending went UP/DOWN in retirement? The personal question, just for my curiosity is the actual dollar amount you spend annually in retirement and if y...
by protagonist
Wed Jun 20, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13906

Re: Oh my! Cardone says we need $10m net worth

Well, below would be the 4% rule, and no social security. Pretty sure if your going to be accumulating these sorts of assets, even under reduced SS payouts you can bank on at least another 20k on top of this. With a paid off house, I find it hard to believe I'd need 10 million. Anywhere above 2M fr...
by protagonist
Tue Jun 19, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42792

Re: 2-year CDs at Vanguard and Fidelity Today

Bought 18 mo. maturity at Fido on secondary market today- yield 2.79% lowered to about 2.73% after commission.
Bought 24 mo. maturity at Fido on secondary market today- yield about 2.92% after commission.
by protagonist
Mon Jun 18, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 63
Views: 4828

Re: Flaw in Logic? CD ladder instead of bond funds

Look back to the summer of 2012, when Treasury yields were even lower than today. You could have purchased a five year CD then that yielded 1.1%, which might have seemed like a good deal. Between 2011-2012 I purchased a 5 year CD at Ally yielding 2.4% with, I think, a 2 or 3 month EWP. I purchased ...
by protagonist
Tue Jun 12, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: Impact of Fed. interest rate hike on CD rates
Replies: 4
Views: 808

Re: Impact of Fed. interest rate hike on CD rates

Would it be reasonable to assume that the future projected hikes for this year and next are also already "baked in"?