Search found 101 matches

by 4ransom
Tue Feb 02, 2021 2:02 pm
Forum: Personal Investments
Topic: Your mental "tricks" to avoid doing dumb things?
Replies: 73
Views: 5239

Re: Your mental "tricks" to avoid doing dumb things?

When I come u[ with a brilliant idea I write it down, date it, then come back and rethink it in a month. If I still the think it's brilliant I implement it. Ninety percent of the time I decide to do nothing.
by 4ransom
Fri Jan 15, 2021 6:28 pm
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 197
Views: 10697

Re: On what are you most bullish?

Bonds-because all the experts say bonds are dead for the next few years, for the 40 years I have listened to the experts forecast the future and it seems to me they more often wrong than right.
by 4ransom
Sat Jan 09, 2021 2:18 pm
Forum: Investing - Theory, News & General
Topic: Best way to check your returns against a benchmark
Replies: 10
Views: 865

Re: Best way to check your returns against a benchmark

Check against a target fund that closely matches your AA.
by 4ransom
Mon Nov 23, 2020 6:31 pm
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 171
Views: 14099

Re: Silliest Investment Mistakes?

Forty years ago bought a few stocks, did not go to well, tried a bunch of mutual funds, little better. Next bought a non traded RIET, was a catastrophe. Finally found this forum back in the Morningstar days. Read a couple of lBogelhead books and got rid of all advisors, fairly smooth sailing ever si...
by 4ransom
Fri Nov 20, 2020 2:39 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 466
Views: 38771

Re: What is your age and asset allocation ?

Mid 70s, varies-keep enough in fixed to keep us solvent until 90ish. The rest is all invested in what we think will provide the best return for our kids.
by 4ransom
Tue Oct 27, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Car Batteries
Replies: 127
Views: 6014

Re: Car Batteries

You never know. I am a farmer and go through several batteries every year. Just had tires installed and had them check the batteries before I headed to the mountains hunting. Said one was fine and 1 was just a little weak, diesel wit 2 batteries. Chickened out and had them changed, both were the ori...
by 4ransom
Mon Sep 28, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Treadmill recommendations
Replies: 43
Views: 2823

Re: Treadmill recommendations

Landice-wore out 2 cheap ones then bought a Landice 10 years ago, 5 yrs ago small problem, they provided excellent phone help and fast shipment of free replacement parts. Highly recommend, excellent company, I think machine is going to outlast me.
by 4ransom
Mon Jul 27, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Canadian Citizenship - any downsides?
Replies: 99
Views: 7674

Re: Adding Canadian Citizenship - any downsides?

My sister lived in the US near the border and crossed to Canada to have her kids, she liked the Dr. and the hospital and it was cheaper. The kids had duel citizenship until they were 21. They then had to chose, they all chose the good old USA; this was about 25 years ago so things may have changed.
by 4ransom
Tue Jul 07, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Can I use dishwasher if no hot water?
Replies: 15
Views: 1727

Re: Can I use dishwasher if no hot water?

Lived in an apartment once that had hot water plumbed to the toilet. Was real nice on a cold winter morning,especially after the first flush.
by 4ransom
Thu Jun 25, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 259
Views: 17564

Re: What is the single best piece of exercise equipment you bought for your home?

80 yrs old, have used most of the things mentioned. Now I use a Landice treadmill, TV, and a VCR. Now I stroll along and watch a movie or TV show.
by 4ransom
Fri Jun 12, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: DIY Fluoride Varnish Application
Replies: 14
Views: 883

Re: DIY Fluoride Varnish Application

I had a couple of fillings ever year for at least 10 years. Dentist finally gave me a prescription for a toothpaste with 1.1% sodium fluoride, the name is Prevident 5000, I have not had 1 filling since-5 yrs.
by 4ransom
Fri May 15, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5570

Re: Secrets to a great lawn

It all starts with the soil. A good contractor will leave you a layer of top soil, if he leaves nothing but areas of sand, clay or rocks you got troubles.
by 4ransom
Thu May 07, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Toilet lid suddenly popped up?
Replies: 30
Views: 3770

Re: Toilet lid suddenly popped up?

Reminds me-what ever happened on the talking house and discovered floor safe threads?
by 4ransom
Thu Apr 09, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 164
Views: 9957

Re: How do you maximize enjoyment after achieving FI?

I have everything I desire. A nice home, FI, fast car, 2 wonderful kids and most importantly the best woman in the world to manage it.
by 4ransom
Thu Apr 02, 2020 3:05 pm
Forum: Personal Investments
Topic: Simple TSL question.
Replies: 1
Views: 121

Simple TSL question.

Can I exchange VFWAX [FTSE all world except for US] for VTIAX [total international]? I think I did this the other way around a couple of bears ago with no wash sale problems, but I can not find old records. Thanks
by 4ransom
Tue Feb 25, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6561

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

I think most safes home owners buy just shows the thief where youave your good stuff and if they are competent -it is gone. I keep low value bait in a cheap safe, my main wad I keep in a fool proof hiding place. I would tell but as they say then I would have to shoot you.
by 4ransom
Mon Feb 17, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Risky Financial Decisions You’ve Made in the Past
Replies: 49
Views: 3679

Re: Risky Financial Decisions You’ve Made in the Past

Saved money, bought a business, went broke. Tried it again and it worked-still going after 40 yrs. now operated by kids. Wife and I have comfortable retirement-completely separate from business.
by 4ransom
Wed Feb 12, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Where to leave money when we die
Replies: 68
Views: 5575

Re: Where to leave money when we die

I would cut out the middle man. Make a list of the best people you have known in your life who need or would put the gift to good use.
by 4ransom
Tue Jan 28, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 9049

Re: When to Change Car Battery?

I will go for the record, 2004 Dodge Ram diesel, comes with 2 batteries stock. 80,000 miles-15 years and stock batteries have never been replaced.
by 4ransom
Tue Jan 14, 2020 2:01 pm
Forum: Personal Investments
Topic: Combining traditional and rollover IRAs?
Replies: 5
Views: 474

Combining traditional and rollover IRAs?

Can I combine different years of Vanguard accounts in traditional and Roth accounts-assuming all in the same fund?
by 4ransom
Sun Oct 27, 2019 6:55 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 13458

Re: Inside Fisher Investments

I have been hounded by Fishers mail and phone calls for years, did not take much research to decide it was terrible product I would never be interested in, I could care less what he says, I try to judge people by what they do, not what they say. If I find a good mechanic, he can say anything he want...
by 4ransom
Wed Oct 23, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 8309

Re: car battery change or not? 2 year old battery

Lets go for the record, I have a 14 year old diesel Dodge Ram with 100K on it. Have never had the batteries out. Was thinking of replacing them this summer, checked out like new, decided to live dangerously and see how long they last.
by 4ransom
Sun Sep 08, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: 3.875% fixed rate, 30-year mortgage: are you paying it off early?
Replies: 93
Views: 4504

Re: 3.875% fixed rate, 30-year mortgage: are you paying it off early?

My 3 fund has averaged 8.8% over the last 10 yrs, my mortgage is 3.5%. Is it really that complicated.
by 4ransom
Fri Aug 30, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 17288

Re: What is your plan for the last few years of a long life?

I asked my wife what she thought of having me cremated instead of a normal burial to save a little money, she said it was a good idea, but she was busy on Monday, would Tuesday be OK?
by 4ransom
Wed Mar 20, 2019 1:47 pm
Forum: Personal Investments
Topic: KF's rebalancing rule for the recession
Replies: 77
Views: 4731

Re: KF's rebalancing rule for the recession

This is the perfect plan, it has to be because it matches my IPS almost exactly, even the numbers are close. If I have to rebalance back to 300K we should be able to maintain our life style with the small amount of income from the bond, SS, and pension income.
by 4ransom
Sat Mar 02, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: NO Gift Tax on Gifts >$15k in a Year
Replies: 138
Views: 13089

Re: NO Gift Tax on Gifts >$15k in a Year

Does the person who received the gift required to pay regular income tax on it?
by 4ransom
Sat Nov 24, 2018 8:43 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 443
Views: 429875

Re: A time to EVALUATE your jitters

Thanks Misiprius-been reading the forum since the Morningstar days. I mostly just skim through but I am always keeping an eye out for the BUTTERFLY. Your posts are informative, factual, easy to understandable, ect. Please keep up the great job and thanks again,
by 4ransom
Fri Nov 23, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 80
Views: 10809

Re: Rodents ate my car!

We bought a new Toyota Prious that started smelling kinda strange. took it to the dealer and they could not find anything wrong. Went on a cross country trip and nothing changed so we kept hounding the dealer, they finally found small community of mice living throughout the AC-heater vents. Cost aro...
by 4ransom
Fri Nov 16, 2018 8:36 pm
Forum: Personal Investments
Topic: Tax lose harvesting bond funds?
Replies: 7
Views: 788

Tax lose harvesting bond funds?

Can tax lose harvesting be done with bond funds? Would changing from intermediate to short term be considered a wash sale?
by 4ransom
Sat Oct 06, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: A strategy to pay off home at retirement?
Replies: 57
Views: 4978

Re: A strategy to pay off home at retirement?

I am 70 years old with a 350K mortgage @ 3.5%. I could pay it off, but money would have to come from taxable and capitol gains would be considerable. Vanguard says my return over the last 10 years has been 10,4%. I have paid off a couple of mortgages over the years and agree it is great feeling but ...
by 4ransom
Mon May 21, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 17757

Re: What big item (>20k) are you saving up for?

I have saved 20K for a party. My dad was a wonderful and thrifty guy. In his will he specifically told me not to waste money on a funeral. I rented a lodge in the mountains and invited about 50 of his family and friends-food and beverages all paid for-a wonderful time was had by all. For years now a...
by 4ransom
Wed Feb 21, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 6839

Re: Chillin' in the BH Lounge

The perfect portfolio is just in my grasp
Figure I'll find it just before I pass
by 4ransom
Fri Feb 02, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22063
Views: 2940764

Re: U.S. stocks in freefall

Not time to dig out the PLAN B yet.
by 4ransom
Wed Jan 03, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 7702

Re: Did everyone in the early 80s have their money in CDs?

Those were interesting times-the reason I bought TIPS and the only reason I have not sold them all.
by 4ransom
Sat Dec 09, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 21947

Re: Save all this money, what do you splurge on?

Retired 10 yrs ago, we are now 70 and decided to splurge, bought a Corvette and went on a big road trip, were home 2 weeks then took a month cruise through the cannal and around the horn. Still trying to catch up and rest up. Loved it but would not do it again-travel is for the younger.
by 4ransom
Fri Oct 27, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for social security
Replies: 14
Views: 2010

Re: Signing up for social security

Four years ago I called SS to ask a question, they answered it and asked if I wanted to sign up, I said yes. Never went to an office or signed any paperwork, check comes every month.
by 4ransom
Sun Oct 22, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 7100

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Nothing can do it all. We have a 4 passenger jeep for off road, snow and passengers and a classic Corvette convertible for summer fun and road trips with wife.
by 4ransom
Wed Oct 18, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 57
Views: 7334

Re: Are Roomba's effective?

Not effective, piece of garbage as a vacuum cleaner, excellent cat toy.
by 4ransom
Wed Jun 28, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 41
Views: 6318

Re: Need help to sell family farm.

Go to the court house and look what look up what similar farmland has sold for in the last few years; it should be in the public record, I know it is in the state I live in. I have seen some good appraisals and some that are ridiculous.
by 4ransom
Tue Jun 06, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 55
Views: 7999

Re: How does a mere mortal navigate healthcare/insurance issues

I do not think a mere mortal can navigate the system. We tried for 30 yrs. and never could get it straight, it gets worse every year. My wife was an accountant and it drove her crazy. We are on medicare and pay for the F supplement and still get undeciferable billings; I gave up and send them all th...
by 4ransom
Tue May 16, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 7795

Re: Funny Letter [Canceling Escrow Account]

Several years ago before bogleheads, decided I wanted to be debt free. I had two loans, a car loan and a small mortgage. I guessed what I thought the payoffs would be and mailed checks explaining what I wanted to do. I received a letter on the car loan, they wanted $11.46 and would then send the tit...
by 4ransom
Mon Oct 24, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: A better measure of retirement security
Replies: 13
Views: 5347

Re: A better measure of retirement security

Sounds like plain old common sense to me.
by 4ransom
Sun Oct 09, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Moving to Tri Cities Wa
Replies: 19
Views: 4878

Re: Moving to Tri Cities Wa

Miami to Tri-Cities - wow, about as far as you can move within the States! We have lived in Tri-Cities for over 30 years and are now both retired. Hanford is closest to Richland but all three have very convenient access to the Hanford area. We live just north of Pasco across the Columbia River looki...
by 4ransom
Fri Jul 08, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: United Kingdom Traffic Ticket--Funny story though!!
Replies: 20
Views: 3910

Re: United Kingdom Traffic Ticket--Funny story though!!

Depends if you are ever going back. I got a speeding ticket in the Australian outback from a plane, don't plan on returning so never got around to paying it. They actually scent me a couple of letters, but haven't extradited me yet.
by 4ransom
Wed Jun 29, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: How to grow grass in hard-to-grow conditions?
Replies: 17
Views: 1754

Re: How to grow grass in hard-to-grow conditions?

Seeds must have constant moisture to germinate and establish. I have had luck with a little bit of mulch and sprinkler irrigate for 5 minutes of every hour during the heat of the day. Hard to overwater, just don't cause erosion or float the seed.
by 4ransom
Tue Jun 14, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: How many activities for your kids?
Replies: 70
Views: 14181

Re: How many activities for your kids?

I think every kid should have a few "work" activities and then worry about the fun activities.
by 4ransom
Wed Jun 01, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: My former attorney has become an Edward Jones rep
Replies: 54
Views: 7906

Re: My former attorney has become an Edward Jones rep

From personal experience I would rather deal with a used car salesman than a FA or attorney.
by 4ransom
Mon May 02, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 33893

Re: I bought the wrong car - know it after 15 days

Take your wallet out of your back pocket, I was amazed.
by 4ransom
Mon May 02, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 33893

Re: I bought the wrong car - know it after 15 days

Take your wallet out of your back pocket; I was amazed.
by 4ransom
Mon May 02, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 12913

Re: How to Bogleheads TRAVEL?

This thread brings back memories. Now I am getting old and travel the real boglehead way, grab a 6 pack and turn on the Travel chanel.