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protagonist

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....

protagonist

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.

protagonist

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...

protagonist

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.

protagonist

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...

protagonist

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...

protagonist

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...

protagonist

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...

protagonist

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?

protagonist

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.

protagonist

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...

protagonist

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...

protagonist

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...

protagonist

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...

protagonist

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.

protagonist

Nothing to add....just want this to come up when I hit "your posts". *smile*

protagonist

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...

protagonist

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...

protagonist

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, ...

protagonist

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...

protagonist

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...

protagonist

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.

protagonist

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...

protagonist

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 ...

protagonist

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...

protagonist

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.

protagonist

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 ...

protagonist

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...

protagonist

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...

protagonist

If you hold on to it for another century or so it might be worth something.

protagonist

Hi, Boe, and welcome to Bogleheads.
You know who I am (laughing)
See mhalley's post above. Sad but probably true

protagonist

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?

protagonist

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...

protagonist

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...

protagonist

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...

protagonist

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...

protagonist

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...

protagonist

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...

protagonist

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 ...

protagonist

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...

protagonist

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...

protagonist

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 ...

protagonist

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...

protagonist

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...

protagonist

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 ,...

protagonist

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...

protagonist

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...

protagonist

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.

protagonist

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 ...

protagonist

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

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