Search found 2338 matches

by hoops777
Sat Dec 15, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 166
Views: 18013

Re: Best values at Costco? Honestly, a little disappointed...

Costco makes their money by getting you to buy expensive stuff while you're there trying to be a frugal bulk shopper. They also have a number of items that simply aren't great deals, as you've discovered. You will do better shopping for certain things at your local grocery chain. As a fairly recent...
by hoops777
Fri Dec 14, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 166
Views: 18013

Re: Best values at Costco? Honestly, a little disappointed...

Costco is a great retailer.They offer very good quality,the best return policy and excellent prices.Nobody is selling high quality food/merchandise at the lowest price on everything.Their prices are very fair and they have very good deals on clothes that are not mentioned often.The free samples,snac...
by hoops777
Thu Dec 13, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Setting Up Accounts For Minors
Replies: 20
Views: 987

Re: Setting Up Accounts For Minors

You do realize that whatever answer you get here you still have to call the company and confirm,so it seems logical to call the company you are most interested in and ask them.That is the old fashioned way vs asking everyone on forums.It worked well for many years and still does :D
by hoops777
Sun Dec 09, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3110
Views: 604533

Re: What's Your Credit Card Rewards Strategy?

Something else that I'm sure a lot of people missed: for a few hours on Tuesday, it was possible to cash out Hilton Honors Points at 0.5¢ through Amazon. It was some kind of glitch and the second time it has happened. I cashed out almost 300K points for an Amazon e-gift card. The DoC post showed up...
by hoops777
Sun Dec 09, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7143

Re: "The 10 Worst Places To Get Investing Advice"

Huge exception to #9…………If you get it from hoops777 bogleheads loses it positive exception and sadly moves to number #1 :D
by hoops777
Thu Dec 06, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12579

Re: Who else is getting excited?

Before you start jumping up and down with joy remember what stocks returned the first DECADE of this century.
by hoops777
Fri Nov 30, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

The problem with fast food and a lot of restaurant food goes well beyond calorie counting and I will leave it at that. Fair enough. This professor did an excellent experiment nearly a decade ago... http://www.cnn.com/2010/HEALTH/11/08/twinkie.diet.professor/index.html "I wish I could say the outcom...
by hoops777
Fri Nov 30, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

Hi BHs, I started tracking my household expenses a year ago. And I was surprised to learn my spouse and I spend around $700/month at restaurants (eating out, getting drinks, ordering take out). I live in HCOL city. Is that a lot? Would you mind sharing your data and some additional info to give it ...
by hoops777
Fri Nov 30, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

Hi BHs, I started tracking my household expenses a year ago. And I was surprised to learn my spouse and I spend around $700/month at restaurants (eating out, getting drinks, ordering take out). I live in HCOL city. Is that a lot? Would you mind sharing your data and some additional info to give it ...
by hoops777
Fri Nov 30, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

Hi BHs, I started tracking my household expenses a year ago. And I was surprised to learn my spouse and I spend around $700/month at restaurants (eating out, getting drinks, ordering take out). I live in HCOL city. Is that a lot? Would you mind sharing your data and some additional info to give it ...
by hoops777
Fri Nov 30, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

Hi BHs, I started tracking my household expenses a year ago. And I was surprised to learn my spouse and I spend around $700/month at restaurants (eating out, getting drinks, ordering take out). I live in HCOL city. Is that a lot? Would you mind sharing your data and some additional info to give it ...
by hoops777
Thu Nov 29, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

some couples really enjoy the restaurant scene, others think it's a waste of money. We go out occasionally, but find the value in eating out is horrible.$6-7 for a beer when I can drink at home for under $1..that's a tough sell for me. We eat healthy and actually don't prefer the menus of many rest...
by hoops777
Thu Nov 29, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

I know I am a big exception here but no budget for us.I just do not see the need for keeping track of every penny and where it goes.Every time you spend 3 dollars it is an event that must be registered.We are retired and spend very responsibly without having to log every dime.I just do not see the n...
by hoops777
Wed Nov 28, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

That's more than twice as much as my family of 4 spends total on food...it's also less than half of what I know other families spend on eating out. FWIW, our restaurant budget is $0/yr (I think my wife may have spent maybe ~$100 on a few lunches with co-workers in 2018). We are on the extreme end o...
by hoops777
Wed Nov 28, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

That's more than twice as much as my family of 4 spends total on food...it's also less than half of what I know other families spend on eating out. FWIW, our restaurant budget is $0/yr (I think my wife may have spent maybe ~$100 on a few lunches with co-workers in 2018). We are on the extreme end o...
by hoops777
Wed Nov 28, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

I guess that depends on how much money you want to save and other things you probably do not think about yet like what is in the food you eat.How much do you spend monthly for all of your food?
by hoops777
Mon Nov 26, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Facebook follow question
Replies: 6
Views: 540

Facebook follow question

My wife wants to be able to follow the class schedule at the gym of her Zumba teacher but needs to do it on Facebook.Classes are cancelled somewhat frequently and they told her to check the teachers Facebook page.Can she do this without anyone friending or following her?She is concerned about everyo...
by hoops777
Mon Nov 26, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5540

Re: Is good, quality luggage worth the price?

I have been traveling nearly every week for 9 years. Domestic and international. Travel pro would last a couple of years before the zipper handles started going missing. I use Briggs and Reilly now. Fits on any airplane even the CRJ9000 ( butnot the 700). Been all over the world with it. I think it...
by hoops777
Sun Nov 25, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5540

Re: Is good, quality luggage worth the price?

I have been traveling nearly every week for 9 years. Domestic and international. Travel pro would last a couple of years before the zipper handles started going missing. I use Briggs and Reilly now. Fits on any airplane even the CRJ9000 ( butnot the 700). Been all over the world with it. I think it...
by hoops777
Sun Nov 25, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44746

Re: Bonds - Throw it all on the table!!!

I have gone to mostly brokered CDs in lieu of bond funds and I am very content with that decision.
by hoops777
Sun Nov 25, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: ESPN plus subscription question
Replies: 10
Views: 1046

Re: ESPN plus subscription question

It depends on how big of a fan you are.NBA pass at 29 bucks a month......well 29 bucks pays for parking only if you attend ONE game....so put that in perspective. I always get a kick out of people who will go out and spend 120 bucks on one meal but think 10 bucks a month for something like Netflix i...
by hoops777
Sun Nov 25, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5540

Re: Is good, quality luggage worth the price?

TJ Maax has great luggage deals.If you want something super lightweight we have some It luggage that has held up well.Quality wheels are very important.
by hoops777
Tue Nov 20, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8418

Re: How high can House prices go

Assuming you can get your 30K back,buy the townhome.It is much cheaper,brand new and same size.Worry about the money you have.Nothing wrong with having a less expensive townhome if you like it.I would not even consider the advice about houses appreciate more than townhomes.Your townhome should be wo...
by hoops777
Tue Nov 20, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Why do people think CD rates will keep going up?
Replies: 57
Views: 7813

Re: Why do people think CD rates will keep going up?

100 pct,buy the cd and pay off your mortgage.Take the sure thing and enter retirement with peace of mind and enjoy the next 5 years without worrying about it.Simple and sound.
by hoops777
Thu Nov 15, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 19
Views: 2481

Re: CDs that compound interest payments, at big brokerages ?

Old topic,but wondering if people are feeling better about brokered CDs now that you can immediately invest the interest in a decent money market rate over 2 pct?
by hoops777
Tue Nov 06, 2018 10:35 pm
Forum: Investing - Theory, News & General
Topic: VCAIX Vs. 2 Year CD [Vanguard CA Intermediate-Term tax-exempt bonds]
Replies: 5
Views: 583

Re: VCAIX Vs. 2 Year CD [Vanguard CA Intermediate-Term tax-exempt bonds]

OK, 12% tax bracket, but is that your federal marginal tax rate? I expect to be in 12% bracket, but marginal tax rate will be 27% due to QD/LTCG being pushed from 0% to 15% tax with additional interest income. Next, what is your CA state tax rate? If your marginal tax rates are low, then the CA mun...
by hoops777
Tue Nov 06, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: VCAIX Vs. 2 Year CD [Vanguard CA Intermediate-Term tax-exempt bonds]
Replies: 5
Views: 583

VCAIX Vs. 2 Year CD [Vanguard CA Intermediate-Term tax-exempt bonds]

Just wondering if there are any thoughts on staying in VCAIX,Ca. Intermediate Muni,vs selling and investing in a 2 yr CD at 3.1 pct. About 50K in taxable account in 12 pct bracket now that I just retired.Also in process of doing maximum Roth conversions to top of 12 pct bracket the next 4 years,coun...
by hoops777
Wed Oct 24, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11375

Re: What do you consider 'enough'?

Does anyone out there in their working years have a way of figuring out what is 'enough' in terms of income to support their current lifestyle and to also save for the future? I know it's different for everyone but I'd be curious to hear your thoughts on if and how you calculate how much is 'enough...
by hoops777
Wed Oct 24, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11375

Re: What do you consider 'enough'?

Toons wrote:
Tue Oct 16, 2018 7:50 pm
When we are able to do what satisfies our needs in the way of spending money,
And Compounding continues to grow the Net Worth.
:happy
Good answer :D
by hoops777
Tue Oct 23, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 99
Views: 10520

Re: Debunking Bonds in Taxable

Because of the various considerations, I hold some bonds (and bond equivalents like CDs) in taxable and some in tax-advantaged. Do we consider CDs a "bond equivalent"? A CD to me is a cash equivalent. Bonds can lose principal, cash and CDs can't. Some people confuse CDs with bonds, yes, but they ar...
by hoops777
Tue Oct 16, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1424

Re: Should I sell Microsoft Bond

I guess I will just keep it.
This will guarantee that 5 year CDs will be over 5 pct in a couple years for everyone :D
by hoops777
Mon Oct 15, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Well we just got back from our trip.16 hotel nights and 24 hours on airplanes.Paris was awesome but will skip that because this thread was not about Paris. Here is my take on the various places we saw. Berkshires.....Beautiful scenery but the towns were much smaller than anticipated.Nice but not gre...
by hoops777
Mon Oct 15, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1424

Re: Should I sell Microsoft Bond

I have a Microsoft Bond,50,000 dollars yielding 3.15 that matures in 7 years.I t looks like if I sell it I will get back 49,000.If I sell I will buy a 2 year cd yielding almost the same.I have owned the bond for 3 years.Thoughts? Hello. I am new here. I can attempt to help with an approximation tha...
by hoops777
Mon Oct 15, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1424

Re: Should I sell Microsoft Bond

Thanks for the replies.It was a 10 yr bond.
by hoops777
Mon Oct 15, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1424

Re: Should I sell Microsoft Bond

Yes,that is the dilemma.
by hoops777
Mon Oct 15, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1424

Re: Should I sell Microsoft Bond

I am not concerned about Microsoft just the investment return of selling for 1000 less than I paid for it and reinvesting the money.Seven years is a long time and if interest rates keep rising it might be best to sell.I can buy a 2 yr cd paying 3 pct.
by hoops777
Mon Oct 15, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Should I sell Microsoft Bond
Replies: 19
Views: 1424

Should I sell Microsoft Bond

I have a Microsoft Bond,50,000 dollars yielding 3.15 that matures in 7 years.I t looks like if I sell it I will get back 49,000.If I sell I will buy a 2 year cd yielding almost the same.I have owned the bond for 3 years.Thoughts?
by hoops777
Thu Sep 13, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 75
Views: 10755

Re: Tesla Model 3 Owners: Your experience so far

Isn't obviuos to everybody that cars cost a lot and depreciate fast especially in the first years but gas is not that expensive? If you keep a car long enough, it has poor mileage, and you drive it a lot, the cost of gas could conceivably nearly match the purchase price. For example, a Ford F150 wi...
by hoops777
Sat Aug 25, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Let’s think about this. A lot depends on your interests. In south Berkshire county you could spend time wandering around the 3 towns of Great Barrington, Lenox, and Stockbridge. There’s touristy independent shops and good restaurants. There’s the Norman Rockwell museum, Naumkeg, the Red Lion Inn, a...
by hoops777
Sat Aug 25, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Op here.Finishing our hotel reservations for our trip.One last question.I was thinking of visiting Princeton on our last day.Is it worth the extra time and travel?We would have to get there on a Saturday afternoon and then drive to the Marriott by the airport to stay Saturday night.We would be comi...
by hoops777
Sat Aug 25, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Op here.Finishing our hotel reservations for our trip.One last question.I was thinking of visiting Princeton on our last day.Is it worth the extra time and travel?We would have to get there on a Saturday afternoon and then drive to the Marriott by the airport to stay Saturday night.We would be comin...
by hoops777
Mon Aug 20, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: "75 Must Know Statistics About Long-Term Care: 2018 Edition"
Replies: 56
Views: 6082

Re: "75 Must Know Statistics About Long-Term Care: 2018 Edition"

We are 66/68 and have had a Genworth Calif Partnership policy for 4 or 5 years.So far they have not raised it and we are paying about 3500 per year.We will see what happens if they raise the rates.
by hoops777
Mon Aug 20, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 12265

Re: Is a million really the benchmark for retirement

What other people need or do is meaningless.Focus on yourself and your unique circumstances.I see people post here all of the time needing 3 or 4 million and others who have there expenses covered by SS.The majority of posters on this forum are obviously not the typical American in terms of wealth a...
by hoops777
Tue Aug 14, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4828

Re: How to have “what if” discussion with retired parents?

I agree that clear documentation of where the money is and how surviving spouse can access it if need be should be available to spouse. On the other hand, the kids have no such presumptive right to a roadmap of assets, account numbers, passwords etc. All these threads and articles one sees popping ...
by hoops777
Wed Aug 08, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Let’s think about this. A lot depends on your interests. In south Berkshire county you could spend time wandering around the 3 towns of Great Barrington, Lenox, and Stockbridge. There’s touristy independent shops and good restaurants. There’s the Norman Rockwell museum, Naumkeg, the Red Lion Inn, a...
by hoops777
Tue Aug 07, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Thank you very much for the great suggestions.I am limited a bit because we stay in Marriotts because of points.Kingston had a couple Marriotts so I picked that simply as a place to sleep.Same with Albany. Regarding Lake Placid,The problem is it almost 150 miles in the wrong direction and it looks ...
by hoops777
Tue Aug 07, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Regarding the Catskills, there has been a recent resurgence in interest in some of the small farming towns in the Western Catskills (e.g. Delhi, Roscoe, Andes, Bovina, etc.) Specifically, millennials escaping NYC are opening artisanal restaurants, breweries/distilleries, hotels/inns, and generally ...
by hoops777
Tue Aug 07, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Thank you very much for the great suggestions.I am limited a bit because we stay in Marriotts because of points.Kingston had a couple Marriotts so I picked that simply as a place to sleep.Same with Albany. Regarding Lake Placid,The problem is it almost 150 miles in the wrong direction and it looks ...
by hoops777
Tue Aug 07, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6287

Re: Road trip Newark NJ to Albany

Thank you very much for the great suggestions.I am limited a bit because we stay in Marriotts because of points.Kingston had a couple Marriotts so I picked that simply as a place to sleep.Same with Albany. Regarding Lake Placid,The problem is it almost 150 miles in the wrong direction and it looks l...