Search found 1518 matches

by catdude
Tue Oct 09, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 938

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

FWIW, I've had the Moto G5 for the past 8 - 10 months or so, and have no complaints. It's a good no-frills phone, does everything I need (texting, checking email, the occasional phone call, etc.). A couple years back I had the Moto X for awhile, and that was really a good phone too, no complaints ab...
by catdude
Tue Sep 25, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1466

Re: Does health insurance cover hearing aids

Pigeon wrote:
Mon Sep 24, 2018 6:03 pm
I have a relative who paid $8,000. Yikes.
:shock:
by catdude
Tue Sep 25, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5861

Re: Oil change interval for low-mileage vehicles

OP here. Thank you all for your responses. Wow, I had no idea Bogleheads were so interested in oil changes! :)

I think the folks who say "follow the manual" have won the argument. That's what I'll do...

Thanks again...
by catdude
Tue Sep 25, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5861

Oil change interval for low-mileage vehicles

Hi Bogleheads, I searched the archives and found that threads on this specific subject are five or six years old, so I thought I'd start a new thread. I have a 2017 Ford Escape, and I don't drive much. I put about 4000 miles a year on it. Most of that is from short trips, running errands around town...
by catdude
Mon Sep 24, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1466

Re: Does health insurance cover hearing aids

Hi, OP here. Thank you all for the feedback. I'll give BCBS a call this week and see what they say. I'm not expecting good news but I'll call them anyway. I like to think that I'm still ahead of the game cuz I got the hearing aids from Costco for $2500, much less than what I would've paid elsewhere ...
by catdude
Mon Sep 24, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7219

Re: Fed up with health insurance situation

My brother is self-employed and has roughly the same monthly payment and deductibles as you, OP... He complains bitterly about it.
by catdude
Mon Sep 24, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1466

Does health insurance cover hearing aids

Howdy y'all... Last week I had a hearing exam at Costco. They found I have significant hearing loss, and I ordered hearing aids... I'll be going back over to Costco later today for the fitting... I'm just curious to know what my prospects are for getting the hearing aids covered by health insurance ...
by catdude
Sun Sep 23, 2018 1:45 am
Forum: Personal Finance (Not Investing)
Topic: I'm just itching to tax-GAIN harvest
Replies: 7
Views: 1216

I'm just itching to tax-GAIN harvest

So I'm in the 12% federal marginal tax bracket. Which means my long-term capital gain rate (federal) is zero. (Unfortunately my state rate is 9%, but that's another story). I am sorely tempted to tap my taxable account, even though I don't need the $$$. Anybody got a cure for this? I know I can do a...
by catdude
Sun Sep 09, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7310

Re: Anyone else playing catch-up in their 40's?

I essentially didn't get started saving and investing till I was 40. Within a couple years I was saving 35 - 40% of my income. I was able to retire at 55, due partly to my aggressive saving, but I'm also very lucky to have a pension, and health insurance thru my ex-employer.
by catdude
Thu Sep 06, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 5955

Re: Taylor's new book is #1

Mel Lindauer wrote:
Thu Sep 06, 2018 10:58 am
Don't forget to post your reviews on Amazon. Potential buyers rely on reviews to help in their decision-making.
Hi Mel -

Thanks for the reminder. I just posted a review using my old BH handle "johnny"... I really enjoyed reading Taylor's book!
by catdude
Sun Sep 02, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through Sept 10
Replies: 19
Views: 1821

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

I'm currently on the $5 a month plan. I'd be a lot more keen on Sirius/XM if I could figure out how to get baseball game broadcasts on my car's satellite radio. Supposedly ball games are on Sirius/XM's 800-series channels. When I enter Channel 8xx on my radio, I get a "channel not available" message...
by catdude
Fri Aug 31, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7738

Re: I want to pry my friend away from Edward Jones

Did she ask for your opinion on Edward Jones or did you just offer up your perspective when she mentioned that was her advisor? TBH, my opinion was unsolicited. Given how I feel when people offer me unsolicited advice, I'm not sure I did the right thing. But she didn't seem all that upset with me. ...
by catdude
Fri Aug 31, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7738

Re: I want to pry my friend away from Edward Jones

Out of about 10 people I went through this with over about 8 years... only one really made big changes and showed great interest. She was a niece who is also very bright, and who has not had an easy life. Her survival skills are keenly honed. This actually describes my friend pretty well. She's not...
by catdude
Fri Aug 31, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7738

Re: I want to pry my friend away from Edward Jones

OK, thank you all for your responses and advice. I will tread carefully here. I like the idea of giving her The Coffeehouse Investor and/or The Little Book of Common Sense Investing . (I'll have to read the latter first, I haven't read it yet). I'll just say, "These books explain the general approac...
by catdude
Fri Aug 31, 2018 2:16 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7738

I want to pry my friend away from Edward Jones

Hi there Bogleheads, Earlier this week I had a conversation with a neighbor/friend in which she mentioned that she has her investments with Edward Jones. Of course I cringed and told her that I think EJ is horrible, awful, expensive, etc. etc. We talked about it for a few minutes, and she said she d...
by catdude
Wed Aug 29, 2018 12:43 am
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2626

Re: Negotiating with XM

The subscription for my one XM device (in my car) was scheduled to automatically renew a few weeks ago at $225/one year's service. I called them and said that I wanted to cancel my service. They made me an offer of $100 for a year's subscription. I said naahh, don't think so. So at that point they o...
by catdude
Sat Aug 25, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13642

Re: 2000-2018 retirement - sequence of returns

Thanks a lot Homer, I feel much better now about having 45% bonds in my portfolio.
by catdude
Mon Aug 20, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: How do you pay for purchase of a vehicle in retirement?
Replies: 38
Views: 4006

Re: How do you pay for purchase of a vehicle in retirement?

I've been retired for a few years now, and last fall I bought my niece's car (she and her husband were moving to NYC/Manhattan). I took most of the money from my taxable account (VG 500 Fund), and thanks to being in a low tax bracket, my long-term capital gains tax rate was 0%. It was wonderful! I t...
by catdude
Mon Aug 20, 2018 12:52 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13861

Re: Remind me (again) how real estate isn't a GREAT investment?

With a paid off house, one can live very well in the "lower" tax brackets. Homer is right, I retired at 55 with a paid-off house, and I live just fine on my $36K annual pension, with a nice nest egg to boot. I don't have car payments either -- about 8 months ago I paid cash for a nice car. All this...
by catdude
Sat Aug 18, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Diversification
Replies: 13
Views: 849

Re: Diversification

Diversification reduces volatility in your portfolio. It's for people who don't like emotional and financial roller-coaster rides.
by catdude
Fri Aug 17, 2018 3:04 am
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2233

Re: Are Roth conversions a no-brainer for me?

That $12,000 RMD will keep me in the 12% fed bracket. You'll be paying 15% or more on any RMD amounts above ~$4300. Have you been able to take a look at the spreadsheet suggested to see this in chart form? FiveK, thank you very much for reminding me about that spreadsheet. When I saw your initial m...
by catdude
Fri Aug 17, 2018 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2233

Re: Are Roth conversions a no-brainer for me?

Sorry if I wasn't clear. The RMD's will be taken from my Traditional IRA, not from my Roth IRA...
by catdude
Thu Aug 16, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2233

Re: Are Roth conversions a no-brainer for me?

Hi, OP here again. My thanks to y'all for the feedback and advice, I'm much obliged. I've been doing a little math, and consulting the IRS RMD distribution table. The current balance in my traditional IRA is $432,000. I think what I'll try to do is draw that down via Roth conversions over the next 8...
by catdude
Thu Aug 16, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2233

Re: Are Roth conversions a no-brainer for me?

Sounds like you live in California, as I do. The only thing they don't tax is SS benefits, which is enough to keep me here. :D You just need to make your tax deferred account RMD smaller in favor of growing your SS bigger. Don't take SS at age 66!.......... and probably you don't need Roth conversi...
by catdude
Thu Aug 16, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2233

Re: Are Roth conversions a no-brainer for me?

bsteiner wrote:
Thu Aug 16, 2018 7:51 am
See my article on Roth conversions under the Tax Cuts and Jobs Act in the June 2018 issue of Trusts & Estates: https://www.kkwc.com/wp-content/uploads ... ations.pdf.
Really a good article, thanks much for posting the link.
by catdude
Thu Aug 16, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2233

Re: Are Roth conversions a no-brainer for me?

Does your pension continue through age 70 if you delay Social Security? If so, the no brainer to me is to delay Social Security until age 70, especially if the pension is not indexed for inflation. Doing so would keep your current pension + SS income at 35k, and then bump it up to ~37k at age 70. A...
by catdude
Thu Aug 16, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1780

Re: Mail order pharmacy

Another vote for CVS/Caremark. I've used them for many years and they've been good to work with...
by catdude
Thu Aug 16, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2233

Are Roth conversions a no-brainer for me?

Hi Bogleheads - So lately I've been stewing & fretting over Roth conversions... I'm in the 12% fed bracket, and the difference between my taxable income and the top of that 12% bracket is about $12,000. So I could convert $12K, and pay the 12% fed tax + 9% state tax (which I hate... grrr…). I've got...
by catdude
Tue Aug 14, 2018 1:30 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1154
Views: 95025

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Huck, I can improve on that. If I'd been 100% in equities over the past 10 years, I'd have a much bigger portfolio than I have right now. Hindsight is always 20/20. Nobody knows what the future holds. In other words, "Nobody knows nuthin'."
by catdude
Sun Aug 12, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is your monthly expense really that stable or in reality, pretty volatile?
Replies: 46
Views: 3420

Re: Is your monthly expense really that stable or in reality, pretty volatile?

If it wasn't for the damn cats (until recently I had four senior kitties... now I have three) my monthly expenses would be fairly stable. Seems like I get hit with major vet bills every few months...
by catdude
Tue Aug 07, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73448

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Here's a Washington Post story on Fidelity's new funds... https://www.washingtonpost.com/business/economy/how-low-can-investment-fees-go-fidelity-launches-a-race-to-zero/2018/08/07/cb8a71f2-9a5c-11e8-b60b-1c897f17e185_story.html?utm_term=.0239c2a3d33c Ken Hevert, Fidelity’s senior vice president for...
by catdude
Sun Aug 05, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 21
Views: 2619

Re: Yogi said it. It must be true.

"Only in America." That's what Yogi said when someone told him the mayor of Catholic Dublin was Jewish.
by catdude
Fri Aug 03, 2018 2:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3806

Re: How did you become a Boglehead?

I had done a bit of reading on index fund investing, but then I came across Mr. Bogle's book Common Sense on Mutual Funds, and that really sealed the deal for me. I just wish he had been more clear about the importance of costs. :)
by catdude
Thu Aug 02, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4902

Re: Which diet soda pop do you enjoy?

Diet Pepsi, usually straight up but sometimes with a shot of whiskey (Jack Daniels or Evan Williams)...
by catdude
Wed Aug 01, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 40855

Re: Worth it to get 300 Mbps internet?

Hi, OP here. Y'all realize, don't you, that this thread is like 18 months old?? I'm currently doing just fine with 50 Mbps. A couple times over those past 18 months I've negotiated with the local cable company to get a better rate, and to get that sweet deal I've accepted the 50 Mbps package. I don'...
by catdude
Wed Aug 01, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2369

Re: First smartphone:What to buy and what prepaid plan to sign on?

hesson11 wrote:
Wed Aug 01, 2018 8:38 am
Consumer Cellular
+1... Agree 100%. I've had Consumer Cellular for several years now and they're great.
by catdude
Wed Aug 01, 2018 3:03 am
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2369

Re: First smartphone:What to buy and what prepaid plan to sign on?

Just wanna say that I've had several versions of the Moto G, and it's really a good phone. Dollar for dollar it may be the best phone around. I currently have the G5 and it does everything I need it to do...
by catdude
Sat Jul 28, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 6701

Re: Retirees: how much cash?

Almost 63 yo, retired with pension. Got enough in cash (checking & savings accounts, money market funds) to cover about a year's expenses...
by catdude
Wed Jul 25, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 3378

Re: Hearing aids

I'm not the OP, but regardless, I want to thank y'all for this discussion. I've recently made the decision, after years of procrastination, to get hearing aids. This thread is very helpful to me... I've decided to go with Costco. It sounds like I can save a lot of money by doing so. Thanks again......
by catdude
Wed Jul 25, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Robert Samuelson column -- Washington Post
Replies: 15
Views: 1446

Robert Samuelson column -- Washington Post

Hi Bogleheads - The Washington Post website has a column by Robert Samuelson on indexing's potential to cause increased volatility in the stock market. https://www.washingtonpost.com/opinions/does-indexing-threaten-the-stock-market/2018/07/25/388efd9a-901c-11e8-bcd5-9d911c784c38_story.html?utm_term=...
by catdude
Tue Jul 24, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 3378

Re: Hearing aids

I'm not the OP, but regardless, I want to thank y'all for this discussion. I've recently made the decision, after years of procrastination, to get hearing aids. This thread is very helpful to me... I've decided to go with Costco. It sounds like I can save a lot of money by doing so. Thanks again...
by catdude
Mon Jul 16, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10111

Re: Why own a bed?

Decades ago I had a studio apartment and slept on a futon in the walk-in closet. A couple times my best friend and his 7-year-old son came to visit, and the kid asked me, "John, do you sleep like a dog on the floor?"

Smartass! :)
by catdude
Sun Jul 15, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7603

Re: Anyone not have a Budget?

I'm yet another generally frugal guy who's never felt the need to have a budget...
by catdude
Sat Jul 07, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5465

Re: Every Other Friday Off

I worked a 9/80 schedule many years ago. What I remember about it is that the 9-hour work days psychologically felt about 50 percent longer than 8-hour days. Nine hours was a real grind. I'm not sure I was all that productive during that 9th hour. I also briefly tried out a 4x10 schedule. I gave it ...
by catdude
Mon Jul 02, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Baseball simulator games (e.g., Strat-o-Matic, etc)
Replies: 21
Views: 2319

Re: Baseball simulator games (e.g., Strat-o-Matic, etc)

I love Strat-O-Matic. I am currently replaying the 2016 season and having a blast. I use an app on my phone to help score the games and it keeps all the stats in order, which is the best part of the game. I love seeing how close the stats turn out to the real-life stats. I'm just curious -- are you...
by catdude
Mon Jul 02, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Baseball simulator games (e.g., Strat-o-Matic, etc)
Replies: 21
Views: 2319

Re: Baseball simulator games (e.g., Strat-o-Matic, etc)

Hi, OP here. Thanks y'all for your suggestions. I'm currently taking a quick break from playing Deadball to post this message (thanks AlohaJoe)... I like Deadball so far, it seems quite simple and easy to play.
by catdude
Sun Jul 01, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Baseball simulator games (e.g., Strat-o-Matic, etc)
Replies: 21
Views: 2319

Baseball simulator games (e.g., Strat-o-Matic, etc)

Hi Bogleheads - When I was a kid (starting in my early teens and continuing into my early twenties) I incessantly played Strat-o-Matic baseball, a card & dice simulator game. It was an enjoyable hobby but I set it aside about 40 years ago and forgot about it... Now that I'm retired, I've re-kindled ...
by catdude
Mon Jun 25, 2018 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3387

Re: Compliments for Vanguard?

I too would like to thank Celia for starting this thread. I'm finding it reassuring. I've been with Vanguard for 18-20 years now, and I've never had to contact them. My portfolio is pretty plain vanilla... it's a simple three-fund portfolio spread across an IRA, Roth IRA, and taxable account. It's r...
by catdude
Fri Jun 15, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: 24 years old starting my first rothIRA
Replies: 14
Views: 1237

Re: 24 years old starting my first rothIRA

All good points above, but the nit-picker in me can't help but point out that the Target Retirement funds also hold a small international bond position, making them equivalent to an auto-balancing four-fund portfolio. So basically i can just put 5500 in it every year and just leave it be? I dont ha...
by catdude
Tue Jun 12, 2018 2:33 am
Forum: Investing - Theory, News & General
Topic: Ken Volpert to retire
Replies: 1
Views: 519

Re: Ken Volpert to retire

Just to clarify, he's retiring from Vanguard (I googled him)....