Search found 321 matches

by Retired1809
Mon May 25, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 50
Views: 2160

Re: New Vehicle: Forester or Rav4 for boglehead couple

Since we bought our first Subaru Forester in 2004, we've owned nothing but Subarus. I still drive my 2004 Subaru Forester every day and have never had any major repairs. I believe the highest repair bill I've ever had was around $250. But I only have 98,000 miles on this car. We also own a 2015 Suba...
by Retired1809
Wed May 20, 2020 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity- new rewards program for Wealth Management clients]
Replies: 21
Views: 2279

Re: [Fidelity- new rewards program for Wealth Management clients]

The headline is a hook but this fish ain't biting. A Wealth Management Account holder could have $25 million in an account and not qualify for the goodies unless he, she or it is paying Fidelity an additional management fee over and above the funds' expense ratio. This is not for DYI investors who s...
by Retired1809
Mon May 11, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Handle Unfiled Tax Returns?
Replies: 25
Views: 1597

Re: Best Way to Handle Unfiled Tax Returns?

Wondering why the OP never posted again. This is not the kind of discussion that adds value to our Bogleheads group.
by Retired1809
Mon May 04, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3894

Re: Lawnmower recommendation

I've had good luck with various brands of mowers sold at both Home Depot as well as Lowes. Some say Briggs and Stratton engines are junk now but I've had excellent luck with them and my most recent purchase was three years ago. Hard to recommend just one brand of mower; they're all very similar. But...
by Retired1809
Thu Apr 30, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Free Online MBA Worth It?
Replies: 22
Views: 1470

Re: Free Online MBA Worth It?

I've had experience both earning my own MBA as well as later teaching in an MBA program. The answer to your question depends on several things: 1. Are your interests in learning aligned with the MBA program content? Do you believe that you are motivated to excel in this MBA program and also maintain...
by Retired1809
Sat Apr 25, 2020 9:55 pm
Forum: Personal Investments
Topic: Mother has only $85K to sustain her
Replies: 81
Views: 8118

Re: Mother has only $85K to sustain her

Has she applied to receive the monthly Social Security payment that her deceased husband received? Widows are generally eligible to begin receiving the amount their spouse had received assuming she had been married to him for at least ten years. I don't know how much your stepfather was receiving bu...
by Retired1809
Fri Apr 24, 2020 9:09 pm
Forum: Personal Investments
Topic: Vanguard Mutual Funds using TD Ameritrade
Replies: 11
Views: 498

Re: Vanguard Mutual Funds using TD Ameritrade

If you want to buy VTSAX, open an account with Vanguard. There's no fee (or brokerage charge) to buy or sell. And at Vanguard, you're an owner.
by Retired1809
Fri Apr 24, 2020 8:43 pm
Forum: Personal Investments
Topic: Vanguard Mutual Funds using TD Ameritrade
Replies: 11
Views: 498

Re: Vanguard Mutual Funds using TD Ameritrade

I agree with the advice, if you're going to trade with TD Ameritrade and want the Vanguard Total Stock Market Index fund, use the ETF: VTI. And there's another reason: you can't buy VTSAX (The Admiral class of the Vanguard Total Stock Mkt Index fund) at TD Ameritrade. I believe it's only available d...
by Retired1809
Wed Apr 15, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now
Replies: 128
Views: 13144

Re: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now

I've been reading Ray Dalio's LinkedIn page as well as TedX Talks and I distinctly understood his "All weather Portfolio" as: 30% Total Stock Market Index VTI 40% iShares Long term Treasury Bond fund TLT 15% iShares 3 - 7 year Treasury Note fund IEI 7.5% Gold GLD 7.5% iShare S&P Commodity Index Trus...
by Retired1809
Fri Apr 10, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 61
Views: 5730

Re: What do you pay for your phone/cable/internet? REAL total with tax?

Monthly phone/cable/internet including tax: $53.50 for YoutubeTV for unlimited DVR via the cloud and six TVs or devices. No contract. No extra charges for extra TVs. 28.00 for two $14 Spectrum Mobile Unlimied Phone and Text and One gig of data per phone (Total of Two gigs of data that can be shared....
by Retired1809
Thu Apr 02, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5552

Re: Replacing Cable TV with Streaming: Critical Analysis

BBQ Nut: Don't confuse AT&T TV with AT&T Now. "AT&T Now" is the name of the product that AT&T created to marhsall their old DirecTV customers into. It's been around for a couple of years. AT&T has stopped marketing DirecTV. They have already ended support for their DirecTV Standard (non-HD) service....
by Retired1809
Thu Apr 02, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5552

Re: Replacing Cable TV with Streaming: Critical Analysis

BBQ Nut: Don't confuse AT&T TV with AT&T Now. "AT&T Now" is the name of the product that AT&T created to marhsall their old DirecTV customers into. It's been around for a couple of years. AT&T has stopped marketing DirecTV. They have already ended support for their DirecTV Standard (non-HD) service....
by Retired1809
Thu Apr 02, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5552

Re: Replacing Cable TV with Streaming: Critical Analysis

+1 for YoutubeTV. We've had it for six months and I can attest that it has Tennis and Golf channels. I agree with the others who gave it rave reviews. Now let me warn you against the new ATT service. It stinks on ice! The advertised price of around $50 per month doubles in the second year and that's...
by Retired1809
Wed Apr 01, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: any disadvantages for rolling 403b to IRA
Replies: 11
Views: 508

Re: any disadvantages for rolling 403b to IRA

You've already gotten good responses. I have two more points for you to consider: 1. Does California give a tax break for distributions from state plans such as 403b plans that they do not give to distributions from IRAs? 2. If you're concerned about the risk of "being out of the market" for a week ...
by Retired1809
Fri Mar 27, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8523

Re: RMDs May Not Be Required for 2020

As a Boglehead, I want to thank my fellow members who monitor these duscussion boards. Their work is remarkable. Their work results in civil discourse in a world where civil discourse is rare. So thank you, Boglehead monitors.
by Retired1809
Wed Mar 25, 2020 8:17 pm
Forum: Investing - Theory, News & General
Topic: Where does $2 Trillion Come from?
Replies: 30
Views: 4402

Re: Where does $2 Trillion Come from?

5, 4, 3, 2, 1 .....
by Retired1809
Wed Mar 25, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: Costco Senior hour Tue and Thur
Replies: 70
Views: 5734

Re: Costco Senior hour Tue and Thur

Aldi just announced that they will also have Senior hours each Tuesday and Thursday morning from 8:30 'til 9:30 a.m. Would you guess Aldi will be as crowded as Costco for Senior hour?

I'm a member of Costco but just don't currently need the quantity of food that would justify a trip.
by Retired1809
Tue Mar 24, 2020 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8523

Re: RMDs May Not Be Required for 2020

To anybody asking for answers to questions, let me refer you to the link and its embodied links to the draft legislation. I am not expressing any opinion whatsoever. I am only reporting something that has been reported on CNBC that could well affect our personal financial and tax planning for 2020.
by Retired1809
Tue Mar 24, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8523

RMDs May Not Be Required for 2020

CNBC is reporting that Covid-19 Bailout Legislation being considered will relieve retirees of the burden of taking RMDs in 2020. https://www.cnbc.com/2020/03/24/congress-may-let-you-skip-mandatory-withdrawals-from-ira-and-401ks.html I want to be clear: this legislation has not been passed. And any f...
by Retired1809
Mon Mar 23, 2020 9:24 pm
Forum: Personal Investments
Topic: What's going on with electric utility stocks?
Replies: 10
Views: 1097

Re: What's going on with electric utility stocks?

Was the attorney named Saul Goodman?
by Retired1809
Mon Mar 23, 2020 7:32 pm
Forum: Personal Investments
Topic: What's going on with electric utility stocks?
Replies: 10
Views: 1097

Re: What's going on with electric utility stocks?

I realize that the bull market ran prices of utility stocks to unrealistic prices. That was "then." This is "now," and we're in a bear market and Mr. Market is asking "What have you done for me lately?" But current yields on some quality electric utilities look good compared to money market funds ra...
by Retired1809
Mon Mar 23, 2020 6:32 pm
Forum: Personal Investments
Topic: What's going on with electric utility stocks?
Replies: 10
Views: 1097

What's going on with electric utility stocks?

I just noticed the two electric utilities I've been looking at (DUK and D) both declined 10% or so today and are down significantly from their highs earlier this year. Defensive stocks don't usually decline this sharply, this quickly. (Yes, I realize that we're in the sharpest, fastest declines in o...
by Retired1809
Sun Mar 22, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: Do I need Trend Micro Seurity Software on a new Chromebook?
Replies: 9
Views: 559

Re: Do I need Trend Micro Seurity Software on a new Chromebook?

Thank you, fwellimort,
That was exactly what I suspected. I did not and will not download it.
by Retired1809
Sun Mar 22, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Do I need Trend Micro Seurity Software on a new Chromebook?
Replies: 9
Views: 559

Do I need Trend Micro Seurity Software on a new Chromebook?

Hi, I recently bought a new Chromebook from Bestbuy and they sent us an email "reminding" us that we should download the free Trend Micro Security Software on this computer. I did not think Chromebooks needed such software beyond what came with the computer. (I bought an identical Chromebook in Dece...
by Retired1809
Tue Mar 17, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: Bob Brinkers Marketimer Alert
Replies: 25
Views: 4131

Re: Bob Brinkers Marketimer Alert

Correction: It must have been EE Savings Bonds that Brinker was talking about in the 80s. Again, my point was that here was a guy on the radio recommending something that could not have possibly paid a kickback. That's what impressed me. Sorry to have written iBonds in my original post; he talked ab...
by Retired1809
Tue Mar 17, 2020 9:39 am
Forum: Personal Investments
Topic: Taking advantage of bear market to move to more tax-efficient funds
Replies: 1
Views: 140

Taking advantage of bear market to move to more tax-efficient funds

Many many years ago, I invested in HACAX. Harbor Capital Appreciation Fund in a non-retirement plan. The good news is that it has performed exceptionally well. The bad news is that it is not tax-efficient. My 1099-DIV shows a five figure taxable distribution in most years. I've procrastinated sellin...
by Retired1809
Tue Mar 17, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: Bob Brinkers Marketimer Alert
Replies: 25
Views: 4131

Re: Bob Brinkers Marketimer Alert

I can understand why you would like to know the content of his latest Bulletin. Jack Bogle was a frequent guest of his radio program. Chuck Schwab also appeared as a guest. The list of his guests is quite impressive. He retired from being tied down to a weekly radio show a couple of years ago. Who c...
by Retired1809
Mon Mar 16, 2020 12:23 pm
Forum: Personal Investments
Topic: Take money out of the bank?
Replies: 66
Views: 5738

Re: Take money out of the bank?

Don't just do something; stand there. Taking money out of a federally-guaranteed bank or credit union account is just wacky. Nutty. But reflecting on it might explain the lines of folk anxious to buy years' worth of toilet paper and bottled water. Psychologists explain this behavior as folks wanting...
by Retired1809
Sat Mar 14, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Google sheets vs Excel; end of life Office 2010
Replies: 37
Views: 2300

Re: Google sheets vs Excel; end of life Office 2010

I have used Google Sheets for at least ten years with no issues. Before I sold my business two years ago, I kept a simple customer data base on Google Sheets because I could access it anywhere I traveled. And it's free. FREE. I had no problems importing my old Excel spreadsheets into Google Sheets. ...
by Retired1809
Sat Mar 14, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Google sheets vs Excel; end of life Office 2010
Replies: 37
Views: 2300

Re: Google sheets vs Excel; end of life Office 2010

I have used Google Sheets for at least ten years with no issues. Before I sold my business two years ago, I kept a simple customer data base on Google Sheets because I could access it anywhere I traveled. And it's free. FREE. I had no problems importing my old Excel spreadsheets into Google Sheets. ...
by Retired1809
Sat Mar 14, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Suggestions for top notch router?
Replies: 56
Views: 2191

Re: Suggestions for top notch router?

I've been very pleased with Google's Mesh system. We have the three pod system with pods spread around the house. Until we bought the Google Mesh system, we were afraid that we would have to upgrade our Internet speed from our 18 mbs ($28 per month) plan to a more expensive plan. We have three or fo...
by Retired1809
Thu Mar 12, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12390

Re: Are you still going to the gym ...

Actually, I'm somewhat ambivalent about returning to regular use of the gym. I enjoy exercise and it just makes me feel better. There are physical as well as mental/emotional rewards from exercise. And there's a social aspect: I've met several regular exercisers and we often at least speak at least ...
by Retired1809
Thu Mar 12, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12390

Re: Are you still going to the gym ...

Actually, I'm somewhat ambivalent about returning to regular use of the gym. I enjoy exercise and it just makes me feel better. There are physical as well as mental/emotional rewards from exercise. And there's a social aspect: I've met several regular exercisers and we often at least speak at least ...
by Retired1809
Thu Mar 12, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12390

Re: Are you still going to the gym ...

This week I didn't go as often. Only two days instead of my usual five. I'm 75 y/o. But today my 80 y/o brother told me that he hadn't missed a day because he wanted to "stay in shape" to ward off the caronovirus or do better if he contracted it. So I'm back on my usual five day schedule now. I'll b...
by Retired1809
Thu Mar 12, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12390

Re: Are you still going to the gym ...

This week I didn't go as often. Only two days instead of my usual five. I'm 75 y/o. But today my 80 y/o brother told me that he hadn't missed a day because he wanted to "stay in shape" to ward off the caronovirus or do better if he contracted it. So I'm back on my usual five day schedule now. I'll b...
by Retired1809
Wed Mar 11, 2020 8:00 pm
Forum: Personal Investments
Topic: exchange TIAA traditional with Stock during bear market?
Replies: 14
Views: 647

Re: exchange TIAA traditional with Stock during bear market?

OP, Please let me add my voice to those advising you to "stay the course" with your original plan with your objectives. I would urge you not to deviate from your plan just because stocks are on sale. Why? Because today's "sale" may be subject to further markdowns. Perhaps 'Drastic, Unbelievable Mark...
by Retired1809
Wed Mar 11, 2020 7:27 pm
Forum: Investing - Theory, News & General
Topic: Tonight's Vanguard Webinar on the Markets: Did you hear it?
Replies: 1
Views: 362

Tonight's Vanguard Webinar on the Markets: Did you hear it?

I missed tonight's Vanguard Webinar scheduled for 7:00 pm Eastern DS Time. I read Joe Davis's excellent essay dated 3/10/2020 and wonder if any of you heard anything new from tonight's webinar. Like a great work of music, Vanguard's webinars seem to always include the recurring theme of "Stay the co...
by Retired1809
Tue Mar 10, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: Can You Retire on the S&P 500?
Replies: 60
Views: 5839

Re: Can You Retire on the S&P 500?

Not only can the S&P500 fluctuate in price; so can the dividends. Dividends fluctuate and only become obligations after they're declared. After essentially no dividend increase for the index in 2008, dividends dropped by approximately 25% in 2009 and showed only a meager increase in 2010 and took th...
by Retired1809
Tue Mar 10, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: Why I hate ETFs
Replies: 82
Views: 5797

Re: Why I hate ETFs

The volatility of the last few weeks could make anybody hate just about any ETF and fall back in love with guaranteed CDs from banks and credit unions! If you've achieved critical mass, you've earned the luxury not to have to deal with these matters.
by Retired1809
Tue Mar 10, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: Why I hate ETFs
Replies: 82
Views: 5797

Re: Why I hate ETFs

The volatility of the last few weeks could make anybody hate just about any ETF and fall back in love with guaranteed CDs from banks and credit unions! If you've achieved critical mass, you've earned the luxury not to have to deal with these matters.
by Retired1809
Tue Mar 10, 2020 11:22 am
Forum: Investing - Theory, News & General
Topic: go 100% equitites?
Replies: 29
Views: 2825

Re: go 100% equitites?

Whether you should go 100% equities is not a question you should direct to others; it's a question that only you can answer - for yourself. Objectively, over the very long term, the S&P 500 has had returns greater than the bond market or money market funds. But of course, some years, stocks have pro...
by Retired1809
Mon Mar 09, 2020 7:19 pm
Forum: Investing - Theory, News & General
Topic: BND Fell Today
Replies: 143
Views: 12970

Re: BND Fell Today

Just as another data point, DODIX (Dodge & Cox Income Fund) declined 1.04% today (Monday). Vanguard GNMA mutual fund declined 0.09% but my winner was VBITX (Short-term Bond Index fund) was unchanged. Even Wellesley let me down (-3.13% for the day). My recommendation for a day like this: deep slow br...
by Retired1809
Sun Mar 08, 2020 9:29 pm
Forum: Investing - Theory, News & General
Topic: S&P500 Futures halted tonight (3/8)
Replies: 233
Views: 16556

Re: S&P500 Futures halted tonight (3/8)

It's hard to get really excited about a stock market correction in a time of global suffering and death from a coronavirus whose future we don't know. That's why we have our asset allocation and a plan in place. It's 10:30 pm on the east coast. I'm heading to bed to get a good night's sleep and hope...
by Retired1809
Sun Mar 08, 2020 9:14 pm
Forum: Investing - Theory, News & General
Topic: S&P500 Futures halted tonight (3/8)
Replies: 233
Views: 16556

Re: S&P500 Futures halted tonight (5/8)

I believe the technicians would say that, in a correction, they look at the market trying to form a bottom. And one or more successful test(s) of the old lows might be encouragement of putting in a bottom? Or is technical analysis even useful in black swan events like this coronavirus event? March 9...
by Retired1809
Thu Mar 05, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax with RMDs and QCD
Replies: 14
Views: 759

Re: TurboTax with RMDs and QCD

I had a different experience in my 2019 Form 1040 using Turbotax to report my wife's QCD of all of her RMD. (In the 2017 tax return, I simply imported her 1099-R showing the same full amount of the distribution in Box 1 Gross Distribution as well as in Box 2a Taxable amount, without changing anythin...
by Retired1809
Thu Mar 05, 2020 8:14 pm
Forum: Personal Investments
Topic: Is it Possible to Opt-out of Fidelity Premium Services?
Replies: 17
Views: 1942

Re: Is it Possible to Opt-out of Fidelity Premium Services?

I can relate to much of what you say. Much of their marketing approach really turns me off in how they're trying to "reach out and be of help." (I really dislike the term "reach out" and if I need something, I have consistently found it faster to just call their regular 800 number rather than to try...
by Retired1809
Wed Mar 04, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 581
Views: 150181

Re: Bank of America/Merrill Edge - Preferred Rewards

The B of A branch I used when I was a customer had long lines to see the one teller on duty who was behind bullet proof glass. I felt like I was in a third world country and closed all my accounts and thought I'd never walk into another B of A branch again. Since then, I've discovered their main off...
by Retired1809
Wed Mar 04, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 581
Views: 150181

Re: Bank of America/Merrill Edge - Preferred Rewards

A free safe deposit box is the only incentive they're giving on bringing in a large deposit or stock portfolio? As I recall I received a $1200 bonus two years ago before I closed my accounts.

They're not offering similar offers now? Not even a free toaster?