Search found 2316 matches

by hoops777
Tue Nov 20, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 61
Views: 7289

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: 56
Views: 6910

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: 2366

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: 573

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: 573

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: 11311

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: 11311

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: 10417

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: 1413

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: 6243

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: 1413

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: 1413

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: 1413

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: 1413

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: 1413

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: 10636

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: 6243

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: 6243

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: 6243

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: 6036

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: 12186

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: 4746

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: 6243

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: 6243

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: 6243

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: 6243

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: 6243

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...
by hoops777
Mon Aug 06, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6243

Re: Road trip Newark NJ to Albany

Rent the car next morning.The airport is about 1 1/2 miles and has shuttle.
by hoops777
Mon Aug 06, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6243

Re: Road trip Newark NJ to Albany

Since we changed our trip and are coming in from Boston I have a couple questions.I think we are going to stay probably 3 nights in Albany as a base.Since we are going to Cooperstown in seems a waste to drive back to Albany so I guess we will head to Kingston from Cooperstown.Any suggestions on that...
by hoops777
Sun Aug 05, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 105
Views: 6243

Re: Road trip Newark NJ to Albany

We made a change and will be flying into Boston and flying home from a Newark,spending 8 nights..So we will definitely spend a night in the Berkshires and also go see Saratoga Springs. We are also going to Cooperstown and wondering where else to go in that area coming from Albany.Hamilton?We will sp...
by hoops777
Sun Aug 05, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Marriott Points and Cash options
Replies: 5
Views: 687

Re: Marriott Points and Cash options

So I just booked a 3 night stay in Chicago.The Marriott was 35,000 points per night.It gave me an option to customize a cash/points option.The hotel was $205 the first night and about 325 each other night. I chose to pay the 205 for one night with my venture card,using 20,050 venture points.That sav...
by hoops777
Sat Aug 04, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Marriott Points and Cash options
Replies: 5
Views: 687

Marriott Points and Cash options

So I recently retired and will no longer be able to rack up those reward points through my business purchases....now how to best make them last. I seem to have a mental block regarding this so looking fir some feedback. We have a lot of Marriott and Venure reward points. For anyone familiar with bot...
by hoops777
Mon Jul 30, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

I can make some KC recommendations. My favorite BBQ joints in no particular order: Joe's KC Arthur Bryant Jack Stack Q39 If you are a baseball fan, Kauffman Stadium is wonderful. It has recently been redone in the last few years and has a lot going for it other than the on-field action. Plus, you s...
by hoops777
Mon Jul 30, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

This isn't quite between Des Moines and Omaha, but is nearby -- the future birthplace of James T Kirk. https://www.roadsideamerica.com/story/2081 I imagine if you are the sort to be interested in visiting this, you'd already have it on your list, though. Enjoy the trip! That is pretty cool.I will c...
by hoops777
Mon Jul 30, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

New question.... Is it worth a trip to go out of the way to see Iowa City,the Amana colonies and Cedar Rapids Or Pella? If you are wanting to get the essence of Iowa, I would say the answer is no. All four places are great to go to but in giving you the essence of what Iowa is like, that can be fou...
by hoops777
Sun Jul 29, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

A long time ago (mid - late 70s) I lived in Ames and worked at ISU for 3 yrs. Didn't own a car so admittedly didn't get out & about much. But going through the above questions & responses here is my take: You are trying ultimately to visit all 50 states and have identified a key event as your Iowa ...
by hoops777
Sat Jul 28, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

New question....
Is it worth a trip to go out of the way to see Iowa City,the Amana colonies and Cedar Rapids Or Pella?
by hoops777
Sat Jul 28, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

Did you read Bill Bryson's "The Lost Continent: Travels in Small-Town America" ?? You're suggesting that to discourage the trip? When hoops777 wrote "Mostly enjoy nice small towns along the way" I wanted to figure out why. I thought perhaps the book inspired him since it also starts in Des Moines, ...
by hoops777
Fri Jul 27, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

Should we go see Topeka?
by hoops777
Fri Jul 27, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

LeonTugworthy wrote:
Fri Jul 27, 2018 6:50 pm
Do you have kids? The Henry Doorly Zoo in Omaha is one of the best in the country (seriously).

BBQ in KC is outstanding, with Joe's Kansas City (formerly Oklahoma Joe's) being the best of the bunch.

Don't know much about small towns in the area.
No kids with us.
by hoops777
Fri Jul 27, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

Northwest Mo small towns Jamesport (Amish country, watch out for buggies on narrow blacktop roads) Gallatin (Jesse James robbed the bank; last remaining squirrel cage jail. Added bonus, Adam-ondi-Ahman is a few miles east of town) Chillicothe (Home of Sliced Bread and town is filled with beautiful ...
by hoops777
Fri Jul 27, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Re: Road trip Des Moines to Omaha to Kansas City

No but I will check it out.I doubt it is better than the suggestions and info you get on this forum though :D
We are trying to see all 50 states which is the reason for this trip.
by hoops777
Fri Jul 27, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2360

Road trip Des Moines to Omaha to Kansas City

Yet another trip...... :D
Landing in Des Moines Aug 8 and flying home from KC Aug 15.Only plan now is one day at Iowa State fair.Mostly enjoy nice small towns along the way.Any suggestions are appreciated.
by hoops777
Fri Jul 27, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 11457

Re: Facebook stock in freefall! (20% drop in 1-day)

This is why I didn't chase the high tech and the internet craze in the 1990's and why I don't chase the FAANG stocks today. When expectations for certain companies gets too high, these kinds of things happen. So are you saying you are glad that you never invested in the FAANG stocks?I sure wish I h...
by hoops777
Tue Jul 24, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Tornadoes in Iowa,Nebraska,KC In August
Replies: 46
Views: 2852

Re: Tornadoes in Iowa,Nebraska,KC In August

Op here....I expected a couple replies and never thought this many people would weigh in.Thanks for all the reality checks and I am certain a lot more people than just me learned something here.Before I posted here I honestly thought everyone who lives in the Midwest probably had seen or experienced...
by hoops777
Mon Jul 23, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Tornadoes in Iowa,Nebraska,KC In August
Replies: 46
Views: 2852

Re: Tornadoes in Iowa,Nebraska,KC In August

I'm a severe weather meteorologist. The vast majority of tornadoes are relatively short-lived and their damage is more 'inconvenient' than deadly/devastating. That is especially usually the case by late July into August for much of the U.S., although the recent pattern (tornadoes in states such as ...
by hoops777
Mon Jul 23, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Tornadoes in Iowa,Nebraska,KC In August
Replies: 46
Views: 2852

Re: Tornadoes in Iowa,Nebraska,KC In August

hoops777 - You are more likely to be caught at the airport with a bag of pancake mix and be subject to two full body searches by the TSA than you are to be caught in a tornado during a random August day in Iowa. :twisted: Ahh,you saw my other post :D What happened at the airport is why with my luck...
by hoops777
Mon Jul 23, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: TSA Pancake Mix Drama
Replies: 22
Views: 2673

Re: TSA Pancake Mix Drama

VictoriaF wrote:
Mon Jul 23, 2018 7:52 pm
My take-away is the existence of a "Paleo pancake mix". I thought that Paleo pancakes were an oxymoron.

Victoria
Look it up.Birch Blenders paleo pancake mix.They are good and no sugar.
by hoops777
Mon Jul 23, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Tornadoes in Iowa,Nebraska,KC In August
Replies: 46
Views: 2852

Re: Tornadoes in Iowa,Nebraska,KC In August

Lol. No. Even IF there was a storm that day, the odds of it producing a tornado are very small. And even if it produces a tornado, tornados affect a very small area for a very short amount of time. The odds of you being in the exact location of a tornado at the exact time it hits is awfully small. ...