Search found 1015 matches

by JPH
Sat Aug 01, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1174
Views: 187456

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I went ahead and joined a class action lawsuit (Fath v. American Honda Motor Co., Inc.) concerning oil dilution, and I received a letter today informing me that if/when the judge approves the proposed final settlement I would receive $173.16 in reimbursement for oil analysis and extra oil changes. I...
by JPH
Fri Jul 10, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: (Koi) Pond Maintenance
Replies: 36
Views: 1590

Re: (Koi) Pond Maintenance

Raccoons got my two big koi (Shadrach and Lefty). You may have that problem someday. Also, toads pollute the pond when they lay large volumes of slimy eggs that clog up the filter. Good luck. I think my Koi eat those eggs! I'm really no expert on the subject, but I was told toad eggs are toxic to f...
by JPH
Fri Jul 10, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: (Koi) Pond Maintenance
Replies: 36
Views: 1590

Re: (Koi) Pond Maintenance

Raccoons got my two big koi (Shadrach and Lefty). You may have that problem someday. Also, toads pollute the pond when they lay large volumes of slimy eggs that clog up the filter. Good luck.
by JPH
Tue Jul 07, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Why Did I Receive This Check From Medicare?
Replies: 3
Views: 732

Re: Why Did I Receive This Check From Medicare?

Did you have other medical bills that may have satisfied your annual Part B deductible? I think this is somehow related to the Part B deductible as you note. After reading your reply, I looked again and found a footnote that reads, "Of the total $47.84 paid on this claim, we are paying you $23.04 b...
by JPH
Mon Jul 06, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why Did I Receive This Check From Medicare?
Replies: 3
Views: 732

Why Did I Receive This Check From Medicare?

I recently had my hearing tested by an audiologist. There were two charges, and Medicare approved and paid both claims. The "Maximum You May Be Billed" column shows $0.00. At the bottom of the last page of the Medicare Summary Notice is a check for $23.04. The is no explanation. Immediately above th...
by JPH
Mon Jul 06, 2020 2:11 pm
Forum: Investing - Theory, News & General
Topic: The case for investing NOW
Replies: 11
Views: 1441

Re: The case for investing NOW

If not now, when? When would you feel it is safest to invest?
by JPH
Sat Jul 04, 2020 10:56 am
Forum: US Chapters
Topic: Celebrating the Fourth of July
Replies: 17
Views: 1154

Re: Celebrating the Fourth of July

God bless America. Hope and Freedom for all!
by JPH
Wed Jun 24, 2020 7:03 am
Forum: Investing - Theory, News & General
Topic: Study claims active management better than benchmarks
Replies: 30
Views: 3197

Re: Study claims active management better than benchmarks

Hey, Rick Ferri, why not invite them to defend the study in a podcast?
by JPH
Tue Jun 23, 2020 7:13 am
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13845

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

I generally dislike article based on lists of things. They almost always set up straw man arguments. Every Bogleheads post on the topics he covers contains plenty of pushback and diversity of opinion. Seems like needless stereotyping to come up with an easy article.
by JPH
Mon Jun 22, 2020 7:47 am
Forum: Personal Investments
Topic: Potentially Putting 50% Cash Savings Into Income Mutual Fund
Replies: 39
Views: 1846

Re: Potentially Putting 50% Cash Savings Into Income Mutual Fund

You seem to understand the implications: better returns in exchange for increased risk of temporary loss. You don't say why you need this much cash or what your time horizon is, but your plan may be reasonable. I like to think I am taking risk with my equities allocation and preserving capital with ...
by JPH
Wed Jun 17, 2020 7:10 am
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance?
Replies: 146
Views: 7635

Re: How much umbrella insurance?

Is it necessary for the umbrella insurance to cover funds in retirement accounts?
by JPH
Tue Jun 09, 2020 3:17 pm
Forum: Personal Investments
Topic: investment priority recommendations - what do we fund next?
Replies: 38
Views: 1267

Re: investment priority recommendations - what do we fund next?

Are you asking only about your investment portfolio? Don't forget life insurance and disability insurance, which are important components of a young person's financial plan. Congratulation on making a great start.
by JPH
Mon Jun 08, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6396

Re: Does Buying an RV make sense?

If you own the RV could you park it for free on your property or would you need to rent a storage lot?
by JPH
Mon Jun 08, 2020 7:36 am
Forum: Personal Investments
Topic: Haven't been sleeping well.. thinking of getting super conservative with AA
Replies: 69
Views: 7307

Re: Haven't been sleeping well.. thinking of getting super conservative with AA

My spouse and I are frugal and we save a solid chunk (50%) of our income, so we've always let our savings rate do the really heavy lifting. This is a lot of heavy lifting, but it is an important component of your situation. If you can keep it up it should offset some of the potentially negative eff...
by JPH
Sun Jun 07, 2020 2:59 pm
Forum: Personal Investments
Topic: Advise To Maximize Taxes When I Pass(Have Cancer)
Replies: 43
Views: 4225

Re: Advise To Maximize Taxes When I Pass(Have Cancer)

I can't answer your question about taxes. There is a Wiki article on tax efficiency. What I want to ask is this. Is your wife currently involved in making these decisions? I don't know her aptitude or inclination to learn about personal finance, but I assume she will be managing the family finances ...
by JPH
Fri Jun 05, 2020 1:05 pm
Forum: Personal Investments
Topic: Rebalancing from a 100% stock portfolio.
Replies: 19
Views: 1805

Re: Rebalancing from a 100% stock portfolio.

I want my current asset allocation to match my current risk tolerance. If I know now that my target is x% bonds, then I want to be there now, not some future date. Why carry more risk than I want into the future just to dribble the funds into bonds? You don't just wake up thinking: I should go from...
by JPH
Fri Jun 05, 2020 12:36 pm
Forum: Personal Investments
Topic: Rebalancing from a 100% stock portfolio.
Replies: 19
Views: 1805

Re: Rebalancing from a 100% stock portfolio.

I want my current asset allocation to match my current risk tolerance. If I know now that my target is x% bonds, then I want to be there now, not some future date. Why carry more risk than I want into the future just to dribble the funds into bonds?
by JPH
Sat May 30, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324462

Re: Best watch for around $5,000?

This thread was started on 15 Nov 2008. According to the Department of Labor CPI inflation calculator that $5,000 watch would cost you $6,034.81 now. Who would even want a cheesy $5000 watch today?
by JPH
Sat May 30, 2020 2:00 pm
Forum: Investing - Theory, News & General
Topic: What Is the Stock Market Even for Anymore?
Replies: 25
Views: 3763

Re: What Is the Stock Market Even for Anymore?

The stock market is not the economy. Actually it is. It's just that many Americans don't meaningfully contribute to the measured economy. Could you please explain? Do you think that if a person doesn't buy or sell stocks that the don't contribute to the economy? How can any living person not have s...
by JPH
Sat May 30, 2020 12:05 pm
Forum: Investing - Theory, News & General
Topic: What Is the Stock Market Even for Anymore?
Replies: 25
Views: 3763

Re: What Is the Stock Market Even for Anymore?

The stock market is not the economy.
by JPH
Thu May 14, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 2021

Re: Dental estimate for a gold crown

https://www.ncbi.nlm.nih.gov/pubmed/18976267 After an observation period of 6, 12 and 24 months, the prospective survival rates (Kaplan-Meier) for the KaVo Everest HPC crowns were 97.9%, 95.1% and 89.8% and for the gold crowns 100%, 94.8% and 92.7%, respectively. There were no significant differenc...
by JPH
Wed May 13, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 557
Views: 20581

Re: Bird watchers – what birds are you seeing?

Six of these flew directly over my house today.

Image
by JPH
Mon May 11, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 557
Views: 20581

Re: Bird watchers – what birds are you seeing?

This morning I saw a loggerhead shrike feeding its young.
by JPH
Mon May 11, 2020 12:05 pm
Forum: Personal Investments
Topic: Cheap FA, Should I take over?
Replies: 12
Views: 821

Re: Cheap FA, Should I take over?

For what you are paying it may not be a bad deal. But you did not say what the advisor does for you or how you value the service. For me, that number of funds would be crazy complex. But if someone is effectively managing the portfolio, then it is not a problem for you. My advice is to keep monitori...
by JPH
Fri May 08, 2020 11:31 am
Forum: Personal Investments
Topic: Dow Futures on Yahoo Finance
Replies: 6
Views: 626

Re: Dow Futures on Yahoo Finance

Is it supposed/intended to predict the future prices?
by JPH
Wed May 06, 2020 7:34 am
Forum: Personal Consumer Issues
Topic: Can I save this tree? (Mulberry Tree SF Bay Area)
Replies: 10
Views: 736

Re: Can I save this tree? (Mulberry Tree SF Bay Area)

Are you asking for medical advice? :D
by JPH
Wed May 06, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: "Glide Path" for asset allocation
Replies: 26
Views: 1844

Re: "Glide Path" for asset allocation

Too much work even to think about the shape of the curve. Every so often just think about what you have, what you will need in retirement, how much of a loss you could sustain, and how long you would have to recover.
by JPH
Tue May 05, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1344

Re: Plunger reccomendation for newer toilets

I actually joined a plumber's forum one time. :shock: The consensus was that it is never a good idea to use a plunger on a toilet. Supposedly it can damage the wax ring or force paper or other matter into the siphon. Now if I use one I'm careful to be very gentle.
by JPH
Mon May 04, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: "Knock" sound when turning right
Replies: 19
Views: 1135

Re: "Knock" sound when turning right

Remember the Tappet Brothers who had a car repair show on public radio? One time a guy called in complaining of a very annoying noise coming from the right front of his car. Their question was "Where does your wife sit?"
by JPH
Mon May 04, 2020 7:21 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Based on Asset Amount
Replies: 14
Views: 880

Re: Asset Allocation Based on Asset Amount

I have a high percentage of my assets in bonds that exceeds the AA I would choose based on risk tolerance alone. The reason for doing so is to hold reserves that may be needed for long-term care (or possibly some other huge expense). It's not in a separate bucket, but I sort of think of it that way....
by JPH
Sat May 02, 2020 9:32 am
Forum: Personal Investments
Topic: Question on how RMDs affect a spending plan in retirement.
Replies: 16
Views: 1221

Re: Question on how RMDs affect a spending plan in retirement.

Do you plan on receiving Social Security? That's the biggest chunk of my spending money.
by JPH
Sat May 02, 2020 8:05 am
Forum: Personal Investments
Topic: DAD Trying to accumulate wealth for his lil Girl (Special Needs)
Replies: 27
Views: 3871

Re: DAD Trying to accumulate wealth for his lil Girl (Special Needs)

I can only repeat a few things that others have said. A special needs trust might be the ideal "bucket" in your situation. Life insurance is important for both parents. As another thread emphasized recently, if you go with a slice and dice approach you should be willing to stick with it for a long t...
by JPH
Wed Apr 29, 2020 9:54 am
Forum: Personal Investments
Topic: Leaving Edward Jones is there a better or worse time
Replies: 35
Views: 2014

Re: Leaving Edward Jones is there a better or worse time

David Jay wrote:
Wed Apr 29, 2020 7:30 am
Always work with the brokerage house receiving the funds, they have the biggest incentive to make it go smoothly. Vanguard, Fidelity and Schwab are the most common brokerage recommendations.
This is what I would do. Call Vanguard and ask how they can make this go smoothly.
by JPH
Wed Apr 29, 2020 9:47 am
Forum: Personal Investments
Topic: Tracking Progress on my Market Timing
Replies: 36
Views: 1699

Re: Tracking Progress on my Market Timing

How do you expect people to respond? I don't know what I could say that would be constructive or informative. If it is for play then I hope you win and it is fun for you.
by JPH
Wed Apr 29, 2020 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Physician portal
Replies: 16
Views: 1339

Re: Physician portal

My doctors use MyChart published by Epic Systems Corporation. I receive an email when new information is posted. I can see all my lab values, test results, radiology reports, etc., even MRI images. I can send a question to my physicians, A weakness is that I cannot attach information I want them to ...
by JPH
Tue Apr 28, 2020 11:30 am
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 3155

Re: What is a Boglehead? Some Fun.

Boglehead investing starts by determining an asset allocation plan, finding low-cost, tax-efficient funds to meet that allocation, and then adjusting only as life circumstances (not temporary market conditions) require. Or we could stick with Bogle's mantra: - Keep it simple. - Costs matter. - Stay...
by JPH
Tue Apr 28, 2020 10:01 am
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 3155

Re: What is a Boglehead? Some Fun.

Stef wrote:
Mon Apr 27, 2020 9:22 pm
A person that lives under a bridge to save money on rent and invest that in low cost index funds.
And then pours a cup of expensive home roasted and ground coffer before joining a group that produced 1,387 posts on "Best Watch for around $5,000!"
by JPH
Sat Apr 25, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: I need financial/general advice
Replies: 47
Views: 2999

Re: I need financial/general advice

No. Don't quit your job for the reasons you state. Your plan is not sound. If you want to use some of the inheritance to develop skills or training that will permit you to enter a job that you love, then carefully plan that out. Day trading is certainly not the way to go. There are no skills that pr...
by JPH
Thu Apr 23, 2020 12:56 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard or any other institution offer the ability to customize index funds?
Replies: 40
Views: 1911

Re: Does Vanguard or any other institution offer the ability to customize index funds?

Before you start, write out a proper definition of the "index" you wish your fund to track. By how much would you be willing to let the definition drift over time? I don't think that I could be objective about it.
by JPH
Thu Apr 23, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Scented Candle recommendations?
Replies: 14
Views: 763

Re: Scented Candle recommendations?

Aren't they easy to make? If you have time on your hands, why not take up a new hobby and create a recipe that you love?
by JPH
Thu Apr 23, 2020 7:36 am
Forum: Personal Investments
Topic: 24 Year Old Nurse [seeking help]
Replies: 21
Views: 3014

Re: 24 Year Old Nurse [seeking help]

Welcome to the forum. Thank you for your service. You cannot grow your $10,000 to cover your $100,000 education costs in a short time. You will have to fund your education from employment income, savings, gifts, or loans. If education in the near future is the goal, then the important thing is to ke...
by JPH
Thu Apr 23, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5712

Re: Costco Delivery

I ordered cookies online about a week ago. The site automatically added a fee for 2-day delivery, and I could not find a way to remove it. Since then, I have received two email messages saying they will try to ship the order soon.
by JPH
Tue Apr 21, 2020 6:59 am
Forum: Investing - Theory, News & General
Topic: How many of you would pull funds from a 3% APY CD to put the funds into the equity market this quarter/this year
Replies: 12
Views: 880

Re: How many of you would pull funds from a 3% APY CD to put the funds into the equity market this quarter/this year

I own equities and cash equivalents for different reasons. Equities for growth and income and cash for safety. If my need and tolerance for those has not changed then I would stand pat.
by JPH
Mon Apr 20, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4501
Views: 1263613

Re: What Book Are You Currently Reading? Part VI

The White Coat Investor. I ordered the gook as a gift for my doctor. But since I can't see her now except for a video conference and my community library is closed, I read the book myself. It is a tiny book, but otherwise what I expected.
by JPH
Fri Apr 17, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Runners -Anyone use the old fashion Shoe Goo??
Replies: 30
Views: 1413

Re: Runners -Anyone use the old fashion Shoe Goo??

As the heel starts to wear unevenly I put a bit of Shoe Goo on the bottom to even it up. It stays on quite well.
by JPH
Sun Apr 12, 2020 7:21 am
Forum: Personal Finance (Not Investing)
Topic: When to take social security
Replies: 24
Views: 1819

Re: When to take social security

I assume you already are retired. Is that correct? Can you withdraw from your bonds while the equities are depressed and stick to your original plan? If not retired I would think twice about retiring at a time such as this.
by JPH
Wed Apr 08, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8857

Re: How do you maximize enjoyment after achieving FI?

I'm not as wealthy as you, but I am FI for my standard of living. I also can't think of anything that I could purchase that would really spark more then momentary joy. For me, the enjoyment comes from the security of knowing I don't need to worry about basic necessities, losing my job, a nursing hom...
by JPH
Wed Apr 08, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: FT Lauderdale vs San Antonio - For Retirement
Replies: 14
Views: 1514

Re: FT Lauderdale vs San Antonio - For Retirement

Spend the first 2 weeks of August in one and the second 2 weeks in the other, then decide.
by JPH
Wed Apr 08, 2020 1:02 pm
Forum: Personal Investments
Topic: Early 20's investor sold everything transitioning from Managed to Self-Managed (Help with re-investing)
Replies: 17
Views: 935

Re: Early 20's investor sold everything transitioning from Managed to Self-Managed (Help with re-investing)

The time to invest is when you have money that you want to invest. You will do well over your investing career.