Search found 344 matches

by investor.saver1
Sat Oct 31, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D 2021
Replies: 6
Views: 378

Re: Medicare Part D 2021

Both of your premiums should be the same, regardless of the drugs you take (or don't). This tells me there are still some bugs in the system. Like the previous poster, I usually wait a month for the kinks to work themselves out. At least, you are lucky that all your meds have generics! There are mu...
by investor.saver1
Sat Oct 31, 2020 1:29 pm
Forum: Personal Investments
Topic: Allocation with or without target date funds?
Replies: 4
Views: 419

Re: Allocation with or without target date funds?

polestar... I would have been a far more successful investor over my lifetime had I invested totally in low cost age appropriate target funds as you have done. It appears to me that you are beginning to tinker and that will cost you over the long haul. My advice based on a lifetime of tinkering expe...
by investor.saver1
Sat Oct 31, 2020 9:39 am
Forum: Personal Investments
Topic: Allocation with or without target date funds?
Replies: 4
Views: 419

Re: Allocation with or without target date funds?

Polestar....what exactly are Target Date 1, 2 and 3. Are they legit target date funds with a ticker or some composite aggregation of individual funds your retirement provider has put together? My suggestion knowing absolutely nothing is that you choose a vanguard target fund that matches your desire...
by investor.saver1
Fri Oct 30, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Need Recommendation For Outdoors Roller Shades
Replies: 1
Views: 128

Need Recommendation For Outdoors Roller Shades

I'm going to be installing roller shades around my front porch to both give me a little shade and also some privacy. I currently have roller shades on my covered deck area and would get the same except the company is out of business. I don't necessary need commercial quality but don't want flimsy ei...
by investor.saver1
Fri Oct 30, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Solenoid Valve Price Variances
Replies: 6
Views: 329

Re: Solenoid Valve Price Variances

I've replaced the solenoid valve on my humidifier as well. I ordered a cheap one off Amazon (around $20) and It works perfectly. Crazy how dealer installed parts are so expensive ... but I'd guess they may be a higher quality ... but for a non-critical device like a humidifier it's worth rolling the...
by investor.saver1
Fri Oct 30, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Heat - What do you set your temps to in Winter?
Replies: 93
Views: 4361

Re: Heat - What do you set your temps to in Winter?

69 day and 62 night time. This is for a could midwestern winter location
by investor.saver1
Fri Oct 30, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Using PayPal vs credit card for purchase
Replies: 12
Views: 951

Re: Using PayPal vs credit card for purchase

Use paypal.. You get 5% off AND double protection. You can dispute if anything from paypal AND CC. This is why I use paypal anywhere I can. +1 Same for me I've have a few disputes with merchants after charging purchases on paypal. After filing disputes on paypal I've gotten my money back. I've neve...
by investor.saver1
Fri Oct 30, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Value of Quicken?
Replies: 59
Views: 2235

Re: Value of Quicken?

For me, running Quicken allows me to run the family finances as if we were running a business. Every day, with usually no more than 5 minutes of work, I can get: *Updated net worth *Updated free cash flow results, on a monthly and year to date basis *Updated tax liability projections, which is help...
by investor.saver1
Mon Oct 26, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap company reviews
Replies: 40
Views: 2981

Re: Medigap company reviews

Your are not allowed to shop for Medigap plans. Generally, you will stay with the plan you choose through the rest of your lifetime and guaranteed acceptance by the insurance company only happens at the beginning or your retirement. It is possible to change medigap insurance plans, but to do so wil...
by investor.saver1
Mon Oct 26, 2020 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Medigap company reviews
Replies: 40
Views: 2981

Re: Medigap company reviews

Your are not allowed to shop for Medigap plans. Generally, you will stay with the plan you choose through the rest of your lifetime and guaranteed acceptance by the insurance company only happens at the beginning or your retirement. It is possible to change medigap insurance plans, but to do so wil...
by investor.saver1
Sun Oct 25, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap company reviews
Replies: 40
Views: 2981

Re: Medigap company reviews

Medigap plans with the same alpha identifier are identical between companies. Really makes sense to go with the lowest cost since billing is handled by medicare. The plans with the same alpha identifier (i.e. F, G etc) cover the same charges and pay the same amount. Provided medicare approves the ch...
by investor.saver1
Sat Oct 24, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Wireless keyboard and mouse
Replies: 22
Views: 1257

Re: Wireless keyboard and mouse

I have a logitech wireless keyboard and mouse as well. They are terrific. The only time I've had an issue is when the batteries get old. Is it possible you have a couple old batteries?
by investor.saver1
Mon Oct 19, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Cost of land clearing
Replies: 18
Views: 1509

Re: Cost of land clearing

I wouldn't attempt to clear the property. I think you're better off to sell it for undeveloped land. Whoever buys it will do the work required for their purposes anyway. They may have their own equipment or maybe they want a few trees scattered about.
by investor.saver1
Mon Oct 19, 2020 11:31 am
Forum: Personal Investments
Topic: using iShares iBonds & Invesco Bulletshares to build bond ladders for term-certain income
Replies: 34
Views: 1984

Re: using iShares iBonds & Invesco Bulletshares to build bond ladders for term-certain income

2) I'd split each rung between Treasuries, high yield, and investment grade at approximately 35%/40%/25%. This mix should provide a solid level of diversification and decent yields without moving beyond your risk threshold. By the time each rung is within a year of maturity, this mix should not pro...
by investor.saver1
Mon Oct 19, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10447

Re: Convince us to buy our first luxury car!

There's a lot of good advice posted above. Most of the folks on this blog are older. Most have lived a conservative lifestyle which is why most are well off at retirement. It's a lifestyle choice and most here made it earlier rather than later in their lives. I've never owned a luxury car brand alth...
by investor.saver1
Sat Oct 17, 2020 12:51 pm
Forum: Personal Investments
Topic: Vanguard ETF 3-fund Portfolio through Schwab
Replies: 26
Views: 1549

Re: Vanguard ETF 3-fund Portfolio through Schwab

"My question is as follows - is there anything wrong, foolish, or disadvantageous about building a traditional vanguard 3-fund portfolio with ETFs(VTI, VXUS, BND) using Schwab as my brokerage?" It's perfectly fine. I like ETFs and trading them is indeed free at schwab. It would be fine as well to us...
by investor.saver1
Sat Oct 17, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Try Out Verizon While Keeping T Mobile Active?
Replies: 7
Views: 753

Re: Try Out Verizon While Keeping T Mobile Active?

I've had performance issues with Verizon mvnos in the past. Voice was OK, Text and Data were sketchy. The deal is that Verizon prioritizes its premium data above everything else. And there appears to be a pecking order of priority with the mvnos falling at the bottom. MNVOs won't tell you about the ...
by investor.saver1
Fri Oct 16, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Epoxy Garage Floors
Replies: 11
Views: 1497

Re: Epoxy Garage Floors

Why don't you go to a store that sells inexpensive small throw rugs for door mats. Buy one for each wheel and simply park the car on the rugs. They are pretty cheap ... walmart, Menards, some discount homegoods retailer. I don't get the 1000 mile wait so I'd be checking more on that one. Call anoath...
by investor.saver1
Thu Oct 15, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 30
Views: 3969

Re: Visible wireless. Any experience?

Visible sounds great on paper! I transferred two phones lines with phone numbers to them four months ago. The transfer process out of Verizon was flawless. I had good coverage thanks to the Verizon towers. BUT>>>>>>>Visible customers' data usage is "prioritized" lowest on Verizon's system. Data was ...
by investor.saver1
Tue Oct 13, 2020 4:16 pm
Forum: Personal Investments
Topic: Maximum percentage equities in retirement?
Replies: 13
Views: 1324

Re: Maximum percentage equities in retirement?

I've set a maximum dollar amount for equities rather than a percentage. I've never been a risk taker and see no reason to extend risk beyond my comfort level even though I have resources beyond my future needs. That isn't the rational approach I realize but it works for me. My suggestion for the OP ...
by investor.saver1
Tue Oct 13, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: IPhone SE has been around a little while now, so what's the verdict?
Replies: 46
Views: 3674

Re: IPhone SE has been around a little while now, so what's the verdict?

I have had the SE (updated version) for almost a year now. It's just a terrific phone. The camera is good although not quite as good as the 11. I take a bunch of photos with it while I'm on the go and they are great. I think unless you are a photographer and actually print you photos, you'll be ecst...
by investor.saver1
Wed Sep 30, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 91
Views: 6847

Re: DIY life style. Typical Boglehead?

If I can find a quality demonstration video on YouTube of the task I want to complete and watch it a couple times I find I can do almost anything (within reason). I replaced a head on a Briggs Stratton engine as an example. And I've completed plumbing projects using the same process. It's fun to id...
by investor.saver1
Tue Sep 29, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 91
Views: 6847

Re: DIY life style. Typical Boglehead?

If I can find a quality demonstration video on YouTube of the task I want to complete and watch it a couple times I find I can do almost anything (within reason). I replaced a head on a Briggs Stratton engine as an example. And I've completed plumbing projects using the same process. It's fun to ide...
by investor.saver1
Mon Sep 28, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 91
Views: 6847

Re: DIY life style. Typical Boglehead?

I think the DIY gene runs through the Boglehead member list. Just today I figure I saved myself at least $200 doing odd job stuff around the house. I noticed a lawn irrigation sprinkler was not rotating ... a while back a website was running a special on lawn sprinklers so I bought a few just in ca...
by investor.saver1
Mon Sep 28, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 91
Views: 6847

Re: DIY life style. Typical Boglehead?

I think the DIY gene runs through the Boglehead member list. Just today I figure I saved myself at least $200 doing odd job stuff around the house. I noticed a lawn irrigation sprinkler was not rotating ... a while back a website was running a special on lawn sprinklers so I bought a few just in cas...
by investor.saver1
Fri Sep 25, 2020 1:14 pm
Forum: Personal Investments
Topic: new physician looking for investment advice?
Replies: 21
Views: 2073

Re: new physician looking for investment advice?

Here's another financial blog you might want to check out.

https://www.fiphysician.com/blog/

I'm not a physician but I've found the articles here to be excellent.
by investor.saver1
Fri Sep 25, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 202
Views: 12890

Re: Myth's of international investing - Fidelity

If a young investor is reading this, please consider some of the comments from members above are arm chair experts that suffer personal biases and over the top idolatry of Jack Bogle and Warren Buffet. There is no place for over the top hero worship and human emotion in investing. Stick with a Life...
by investor.saver1
Sat Sep 19, 2020 5:39 pm
Forum: Personal Investments
Topic: Need direction_understanding MYGA(multi-year guaranteed annuity
Replies: 38
Views: 2821

Re: Need direction_understanding MYGA(multi-year guaranteed annuity

I don't have an opinion nor do I know much about MYGA annuities. If I were considering one here's the track I would take. You'll be lending your money to an insurance company for a stipulated term. They typically have severe penalties if you need to cash out. Be certain you know the terms of the ann...
by investor.saver1
Thu Sep 17, 2020 12:49 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

iamblessed wrote: Thu Sep 17, 2020 11:59 am Read this viewtopic.php?t=287967
Thank you for the link iamblessed.
by investor.saver1
Thu Sep 17, 2020 11:27 am
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

Many great ideas and advice here. But while it is indeed important to consider simplifying where you keep your assets, don’t stop there. Consider this step one in the simplifying or clarifying algorithm. 1 - simplify your withdrawal portfolio 2 - develop a clear and easily administered withdrawal a...
by investor.saver1
Thu Sep 17, 2020 11:23 am
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

About two years ago, I thought it would be a brilliant, streamlined move to put a lot of money in a balanced index fund in my 401k. It drove me crazy. I like to be able to see the moving parts and what they are doing. Now I have the money in a bond index fund, an S&P 500 fund and a stable value fun...
by investor.saver1
Wed Sep 16, 2020 8:57 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Target Funds

I can hear the gasps....I know there are better places for the money and better tactics to attain a passive portfolio but this simple low cost solution fits us well. investor.saver1: You will get no "gasps" from me. I think a low-cost target fund, designed by experts, and with the appropriate stock...
by investor.saver1
Wed Sep 16, 2020 6:08 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

bloom2708 wrote: Wed Sep 16, 2020 3:48 pm Why 2 funds that do the exact same thing?

1 target Income OR 1 LifeStrategy fund. No reason to do 2 of the same thing.
Diversity of management is the reason. Spreading management risk. Yes, I realize it’s negligible.
by investor.saver1
Wed Sep 16, 2020 6:04 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

bloom2708 wrote: Wed Sep 16, 2020 3:48 pm Why 2 funds that do the exact same thing?

1 target Income OR 1 LifeStrategy fund. No reason to do 2 of the same thing.
Only because I wanted a bit of diversification in the fund management. Why put all my eggs in one basket when I can use two. No other reason. I guess I’d ask why not.
by investor.saver1
Wed Sep 16, 2020 6:01 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

Normchad: I only wish I could be content to be so disconnected from my portfolio. Kudos to you. Hoping my simplistic approach allows me the same.
by investor.saver1
Wed Sep 16, 2020 3:16 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

we are getting to the same place. We have been retired for 5 years and keep a very simple primarily 3 fund portfolio. But I find I have spent a lot of time this year in particular second guessing our stock/bond allocation with the market setting records and interest rates near zero. My wife has no ...
by investor.saver1
Wed Sep 16, 2020 8:23 am
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

We own a Fidelity Freedom Index fund and a Vanguard LifeStrategy Moderate Growth fund, so your plan sounds great to me. The main issue is taxes. You may wish to simply stop managing your taxable account and let it carry on as if you were dead. I'll give this some thought livesoft. Doing nothing in ...
by investor.saver1
Wed Sep 16, 2020 8:20 am
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

I think you need to think about the long-range plan. If you and DW were in a coma or had cognitive decline, who would you want to pay your bills and handle your financials? Do you already have a designated Durable Power of Attorney? I think a better idea is to finish your estate planning and then t...
by investor.saver1
Wed Sep 16, 2020 8:05 am
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

jimkinny wrote: Wed Sep 16, 2020 5:35 am Target Funds are a good choice. I would likely do better if I owned one.
And have more time to enjoy life!
by investor.saver1
Wed Sep 16, 2020 8:03 am
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

@investor.saver1 Thanks for posting this, simplicity is a good thing. Some questions, if you care to share. 1. What is your age? 2. Are you retired, meaning do you receive an income for your time as an employee? 3. How many hours per day, week or month were you spending managing your portfolio when...
by investor.saver1
Tue Sep 15, 2020 9:39 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

@investor.saver1 Thanks for posting this, simplicity is a good thing. Some questions, if you care to share. 1. What is your age? 2. Are you retired, meaning do you receive an income for your time as an employee? 3. How many hours per day, week or month were you spending managing your portfolio when...
by investor.saver1
Tue Sep 15, 2020 9:25 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

iamblessed wrote: Tue Sep 15, 2020 8:22 pm Why not one fund one of the Vanguard LifeStrategy funds?
Easy...LifeStrategy doesn’t hold TIPs which I consider an essential inflation hedge for a retired individual. I could add TIPs on my own but again I’m adding complexity and that’s what I’m getting away from.
by investor.saver1
Tue Sep 15, 2020 7:09 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Re: Throwing In The Towel on Portfolio Management

I'm not gasping. Two questions: 1. Would it be simpler to not sell anything in taxable and just redirect dividends to the new fund? I hadn’t considered doing this, but yes it would be simpler and more tax efficient with respect to the equity funds. I’ll study this. 2. Have you considered tax-manage...
by investor.saver1
Tue Sep 15, 2020 5:24 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8075

Throwing In The Towel on Portfolio Management

I've come to a fork in the road with respect to managing my investment portfolio. DW isn't interested at all in managing the portfolio and I'm tiring of it. Even the 3-fund portfolio is too much work. I can get someone to manage it for me (for a cost) or I can establish a passive portfolio that take...
by investor.saver1
Thu Sep 03, 2020 12:12 pm
Forum: Personal Investments
Topic: Brokered CDs from Vanguard.
Replies: 42
Views: 4033

Re: Brokered CDs from Vanguard.

I've bought and sold CDs at Schwab and VG. To sell the CD (you're selling, not cashing it in), you must contact the brokerage and request a bid for the CD. The brokerage (VG, Schwab, Fidelity) will then solicit bids for your CD from outside the brokerage (or maybe inside). The brokerage house will t...
by investor.saver1
Sat Aug 22, 2020 3:12 pm
Forum: Personal Investments
Topic: Went to Cash. Regret it. Now what?
Replies: 56
Views: 5866

Re: Went to Cash. Regret it. Now what?

I'll offer you advice I wish I had taken myself 30 years ago. Invest your current retirement portfolio and direct your future savings into a retirement fund such as FIPFX which is Fidelity's Freedom 2050 fund and then don't mess with it. You'll absolutely do better than 95% of the population.
by investor.saver1
Mon Aug 17, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: Matching Bond Duration to Retirement Timeline Question
Replies: 125
Views: 6397

Re: Matching Bond Duration to Retirement Timeline Question

Swedroe's position is "the longer the maturity, the greater the correlation of the fixed-income assets with equity assets. Steve Reading already pointed out that this position isn't consistent with the facts. A 1% increase in yield is very close to being insignificant IMO. As I'm sure you've alread...
by investor.saver1
Mon Aug 17, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: Matching Bond Duration to Retirement Timeline Question
Replies: 125
Views: 6397

Re: Matching Bond Duration to Retirement Timeline Question

In general, I think TIPs are fantastic and would say a good rule of thumb might be keeping half of your bond portfolio in nominal bonds (perhaps BND or even VTC if you'd like to take some more corporate bond risk), and half in an Intermediate-term TIPs fund (such as SCHP). But again, it's best to m...
by investor.saver1
Sun Aug 16, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: Matching Bond Duration to Retirement Timeline Question
Replies: 125
Views: 6397

Re: Matching Bond Duration to Retirement Timeline Question

And like I said before, the issue is that the additional duration is a good thing for most. Vineviz has explained this to posters countless times so here's when he explained it to me: https://www.bogleheads.org/forum/viewtopic.php?p=4304007#p4304007 So BLV has two things going for it: It has a high...
by investor.saver1
Sun Aug 16, 2020 4:33 pm
Forum: Investing - Theory, News & General
Topic: Matching Bond Duration to Retirement Timeline Question
Replies: 125
Views: 6397

Re: Matching Bond Duration to Retirement Timeline Question

I've wondered what the appropriate duration of bonds should be for an individual in retirement. I an not an expert!!!! For my portfolio, I've decided to target a blended duration of 5 years in each of the bond categories I hold (investment grade commercial bonds, treasuries, and TIPS). I came to th...