Search found 348 matches

by TBillT
Tue May 22, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 1711

Re: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?

I agree PONAX follows similar performance curve as VWINX, with PONAX being smoother.
So in Fidelity I use PONAX. PTIAX is a good combo fund complimentary with PONAX.
by TBillT
Sun May 20, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2499

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Usually there is no reason for an instant decision. I left my 401K in there for about 7 years after retirement before rollover, and my wife is still in hers after retirement. I think we are about ready to rollover hers now though, now that interest rates are up on CD's etc.
by TBillT
Mon May 14, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4335

Re: keyless ignitions and carbon monoxide

Sounds like some valid issue, but limited per below. Perhaps car-on alarm or something could help (and CO alarm of course). My Toyota Prius carbon monoxide is almost zero due to the cat converter. (Prius are all California pollution control design). I am having to wonder how it is even possible for ...
by TBillT
Tue May 08, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 207
Views: 27989

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin- Fidelity question for you, I used to like to use the Fidelity graphics function for CD's and bonds to pick out the best. Looks like we can only get the tabular data now. no more plots vs. maturity date? I don't recall seeing that at Fidelity, but yeah, now all I see in the search results is ...
by TBillT
Mon May 07, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 207
Views: 27989

Re: 2-year CDs at Vanguard and Fidelity Today

Of course these things can change tomorrow, or even later today. I wonder if the secondary deal is signaling that a new-issue 2-year will be coming out at 2.80% soon. Kevin Kevin- Fidelity question for you, I used to like to use the Fidelity graphics function for CD's and bonds to pick out the best...
by TBillT
Mon May 07, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: XOM Question
Replies: 6
Views: 632

Re: XOM Question

I've been a seller last couple years. Dividend is good though.
by TBillT
Sun May 06, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7865

Re: Bucket List Adventures/Activities

I want to go up Washington Monument.
Seems like a cliche but it's been closed so much since the 2011 earthquake, I may have procrastinated too long.
I live close too.
Yellowstone is a favorite but been there twice already.
by TBillT
Wed May 02, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5688

Re: Moving to The Woodlands,TX

We did not live in Houston, but we did live in Baton Rouge a few years. Southern lifestyle can be different in some ways from the northeast. I certainly like the warmer climate for year-round jogging etc. One thing is fire ants so in my experience sitting in the lawn is less likely activity. Not sur...
by TBillT
Tue May 01, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Why was my CD purchase order got cancelled?
Replies: 6
Views: 1004

Re: Why was my CD purchase order got cancelled?

Is the CD avail today? Pretty rare I do not recall a cancellation before. I had one case where I grabbed a bond they had mispriced modestly in my favor. End of the day the trading desk "did me a favor" reversed the purchase rather than charge me the real cost. I probably could have complained. It wa...
by TBillT
Sat Apr 28, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Lake Tahoe
Replies: 28
Views: 2340

Re: Lake Tahoe

I will be attending a conference in Lake Tahoe in June and will be taking my wife and two boys (ages 17 & 9). We will have 4 free days after it is over and am looking for suggestions on places to visit. Was considering 2 days in the Yosemite area then driving to San Francisco for a couple of days. ...
by TBillT
Fri Apr 27, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: HOA won't help. [Homeowners Association]
Replies: 37
Views: 4617

Re: HOA won't help.

Like TbillT, I am in VA. Anyone can recommend me where to look such HOA regulations or laws? Google helps me find Property Owners' Association Act. I will read it tonight. Thank you for all your input. Makes sense you are in Virginia... HOA are common here actually quasi-gov't bodies substituting f...
by TBillT
Wed Apr 25, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2090

Re: MAGI and Medicare Premium

That "dump" will not happen soon. I signed up for Medicare in June 2017 with coverage beginning in September 2017. In August 2017 they sent me my IRMAA information, and it was based on my 2015 tax return even though my 2016 tax return had been filed in January 2017. If they were still using 2015 ta...
by TBillT
Wed Apr 25, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: HOA won't help. [Homeowners Association]
Replies: 37
Views: 4617

Re: HOA won't help.

Our HOA recently published a summary Virginia laws on the tree issue. If a tree falls unexpectedly, it is an Act of God and nobody is at fault. So that means if Neighbor-A's tree falls on Neighbor-B's yard and house, that is Neighbor-B's financial problem. However, if it is considered negligence (Ne...
by TBillT
Sat Apr 21, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Decline an International Job Assignment
Replies: 23
Views: 1698

Re: Best Way to Decline an International Job Assignment

As someone above advised, it partially depends on company expectations and practices and your ranking status. I worked for one big company that I thought was more fair to me (as a non-high-flyer), another big company less so, that would allow office politics to rule, and allow higher ranked folks to...
by TBillT
Sat Apr 21, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Buying T-bills ..help needed
Replies: 17
Views: 1965

Re: Buying T-bills ..help needed

For what it's worth, economist Gary Shilling who has been recommending long term TBonds since 1980. still seems to feel 2% will come someday to the 30-year. He likes long term, zero-coupon bonds as a high-octane approach, which would hypothetically yield a large cap gain if long term rates did indee...
by TBillT
Sat Apr 21, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Buying T-bills ..help needed
Replies: 17
Views: 1965

Re: Buying T-bills ..help needed

I use Fidelity which I find convenient, but I have not tried the others. You can do new or secondary, but for new you have to wait for the date of auctions...not always available. You also have the zero coupon option. There is not really too much mark-up on TBIlls, I don't think. You pay a small fee...
by TBillT
Sat Apr 21, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 4190

Re: Undecided students and STEM majors

My father before me (an ME) was interested in electronics so he suggested EE for me.
So that was the decision, but after a year I switched to ChE as that was my passion, along with biology- eg; bioengineering.
Later in life, guess what, I am interested in electronics.
by TBillT
Thu Apr 19, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2090

Re: MAGI and Medicare Premium

I am in the same boat: I would rather use 2017 income over 2016. My approach was to file my 2017 FORM 1040 early in hopes they will see that latest return when I apply. But my guess is they will use 2016 return, even if 2017 is available to them. Your guess is right. If you want them to look at a l...
by TBillT
Wed Apr 18, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10141

Re: Got hit with a $2800 Medical bill. Can I negotiate?

One thing too is where you were injured...I had fallen once on a common path in our town due to maintenance issue, and I got a letter from my insurer asking where this happened. Town paid the Bill in the end.
by TBillT
Wed Apr 18, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2090

Re: MAGI and Medicare Premium

I am in the same boat: I would rather use 2017 income over 2016.
My approach was to file my 2017 FORM 1040 early in hopes they will see that latest return when I apply.
But my guess is they will use 2016 return, even if 2017 is available to them.
by TBillT
Tue Apr 03, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: VW Atlas
Replies: 46
Views: 3289

Re: VW Atlas

My daughter has the Atlas for her family, replacement for Odessey.
They have had some recall issues with gaso tank leak, which they had repaired took about 2 weeks they had a loaner.
Otherwise they seem to like it.
I would go minivan route, but SUV's are the hot sell these days.
by TBillT
Thu Mar 29, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 4-in-one
Replies: 9
Views: 1247

Re: Fidelity 4-in-one

Yes now that you mention it, it is interesting.
I like Vanguard LifeStrategy Moderate which has the international bond component, and roughly approximates the total stock+bond market.
That would be the fund I would compare to as far as performance.
by TBillT
Sun Mar 25, 2018 12:30 am
Forum: Investing - Theory, News & General
Topic: Pls Help me understand 2018 SALT deductions.
Replies: 17
Views: 1924

Re: Pls Help me understand 2018 SALT deductions.

So as far as loopholes, some states give generous state tax credits for donations to certain state-favored non-profits. If your state has this type of program, presumably that is one possible way to essentially convert state tax owed into a donation. NJ is talking about re-defining state tax as a do...
by TBillT
Wed Mar 21, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: Bond question
Replies: 6
Views: 563

Re: Bond question

Yes to above sometimes bonds are callable, so you will have yield to first call (worst), and yield to maturity, if it does not get called. Sometimes I will take a 3% yield to worst, and 5% yield to maturity, hoping if interest rates go up, I'll have a 5% bond yield. So far I've lost most of those bo...
by TBillT
Tue Mar 20, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Is buying $50,000 worth of TSLA at this time advisable?
Replies: 46
Views: 3593

Re: Is buying $50,000 worth of TSLA at this time advisable?

Goldman downgraded yesterday. The immediate risk would be any issue with Model-3 ...right now a successful Model-3 launch is baked into the price. In general, scale-up is a problem that many assume is duck soup. Who needs R&D anymore? Too expensive., Let's just build a huge plant and it should work ...
by TBillT
Sun Mar 18, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market Yield Gaps
Replies: 8
Views: 2015

Re: Vanguard Money Market Yield Gaps

Cool I think we have some of each including Treasury MMF...did not realize it was keeping pace quite so well.
by TBillT
Sun Mar 18, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question - NJ vs PA + DC vs NY vs PA
Replies: 7
Views: 450

Re: Tax Question - NJ vs PA + DC vs NY vs PA

We lived in South Jersey outside Philly a long time, but I can only offer general trends due to time away. You already know about the Philly wage tax, which it sounds like they are working very hard to minimize by 2022. When they first implemented that tax in 1985, it tended to force an population o...
by TBillT
Thu Mar 15, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5239

Re: Tires on a 15 year old car....Replace or not?

Must replace. The problem is rain and you could fishtail.
by TBillT
Thu Mar 08, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: 0W-20 Synthetic Motor Oil
Replies: 58
Views: 7326

Re: 0W-20 Synthetic Motor Oil

If the question is just where to buy cheap I go to Walmart.
by TBillT
Wed Mar 07, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 22
Views: 2008

Re: New Zealand - Bucket list trip

We actually lived there 5 months, but it was so long ago now. We lived with Mount Taranaki behind our home which is photogenic volcano like Mt Fuji, but probably off the tourist path. North Island you have the Rotorua/Lake Taupo areas and the volcanos. Besides thermal areas, I am thinking Rotorua ha...
by TBillT
Mon Mar 05, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Emergency Medevac - costs and options
Replies: 35
Views: 3382

Re: Emergency Medevac - costs and options

What do you mean by this: " trip insurance only covers $10000-20000 in medical overages " What type of trip insurance did you/they have? RM When you take a cruise ship (which I do not) you can get trip insurance. My understanding, typically that's going to cover MediVac to a major hospital if neede...
by TBillT
Mon Mar 05, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Emergency Medevac - costs and options
Replies: 35
Views: 3382

Re: Emergency Medevac - costs and options

We went through all this last year when a close relative got sick on a cruise ship - major cruise line - overseas. The insurance has not all settled yet so we are not sure the financial outcome. But we are thinking the trip insurance covered the Medivac (very expensive) from the ship quite a distanc...
by TBillT
Mon Mar 05, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: New tax law and QCD's - article
Replies: 18
Views: 1730

Re: New tax law and QCD's - article

Good post, read something similar and was wondering if Bogleheads were doing that.
Does it make as much sense before 70.5 RMD age, when your are moving IRA money to Roth IRA?
Can you still do matching Corporate donation to the charity?
by TBillT
Mon Mar 05, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: VWINX vs VWENX vs VTCIX vs VTINX vs VHDYX with 250K
Replies: 37
Views: 3119

Re: VWINX vs VWENX vs VTCIX vs VTINX vs VHDYX with 250K

Guys, Question 4 Everyone here that is at retirement age. in hindsight do you wish you had bought some houses in you younger years and held them and paid them off and used that as retirement income? or if not paid off maybe close to paid off when you retired and then use whats left as income? For p...
by TBillT
Fri Mar 02, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: VWINX vs VWENX vs VTCIX vs VTINX vs VHDYX with 250K
Replies: 37
Views: 3119

Re: VWINX vs VWENX vs VTCIX vs VTINX vs VHDYX with 250K

The VSMGX (Life Strategy Moderate) is an interesting fund because it mimics the overall USA+International Stock+Bond markets, which is an overall market approach some like. I have not used the fund yet but I probably will soon.
by TBillT
Fri Mar 02, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 50
Views: 4053

Re: used Prius (or Chevy Volt?)

Looks like I am late to the Prius party here we have a 2006 Prius at 170k miles You can go to PriusChat.com for more info. Younger Prius will have warranty up to 150k miles in certain states. Older Prii off warranty can sometimes have repair needs (battery etc) so a heavily used Prii sometimes is a ...
by TBillT
Thu Mar 01, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Simple question regarding caring for elderly parents
Replies: 16
Views: 2374

Re: Simple question regarding caring for elderly parents

I run my elderly Mom's stuff in Fidelity. We met together with Fidelity one time at their office. Her account shows up under my accounts and I can invest for her. They gave me control access..she also has normal access if she wants to pull out cash to the bank. She is 90 god bless. Life Strategy fun...
by TBillT
Wed Feb 28, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3579

Re: New vehicle research

You might add Prius to the list, but I understand the new Camry hybrid gets up to 50 MPG - not too shabby. I think Camry Hybrid MPG depends on whether you want the basic or luxury (for which some MPG is sacrificed for power etc). Also Toyota knows how to put the hybrid battery under the back seat no...
by TBillT
Wed Feb 07, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 5073

Re: Leaving HCOL state for financial reasons

It seems in the NY metro area everybody around in any walk of life who doesn't have a high paying job or public job is picking up stakes and leaving or planning for this. The taxes and housing costs (and many other costs) are just way too high. That's what's going on. Yes we were going to move back...
by TBillT
Wed Feb 07, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2758

Re: Getting Rid of Ants in the House?

I assume small ants.
The Terro liquid traps is borax (safe) and they take it back to the next
by TBillT
Wed Feb 07, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3732

Re: Jogging in the cold.

My rule is need about 30 Deg F for running ...50 deg F for biking
by TBillT
Mon Feb 05, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell PONDX?
Replies: 10
Views: 1241

Re: Should I sell PONDX?

I don't understand selling PONDX due solely to price level. If you look at Growth of $$$, it is one of the best bond funds. Clearly some bond funds have the strategy leak share price in favor of higher overall returns. Now obviously it is good time to reassess, but PONDX would be low on my list to s...
by TBillT
Wed Jan 31, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax CD Install Problem/Solved
Replies: 2
Views: 433

TurboTax CD Install Problem/Solved

Had trouble installing TurboTax BASIC 2017 from CD purchased, until I saw an explanation that a recent Windows 10 update causes the installation to freeze up due to antivirus program (eg AVAST). Fix is to update or temporarily disable antivirus, then it installs.
by TBillT
Wed Jan 31, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1684

Re: Paris Hotel Recommendations

It's been over 10-yrs ago, and we stayed in smaller hotels, but the one memorable room was indeed the Hilton by the airport, which we only had one night probably with some points. It is not in the thick of Paris itself but public transit is good.
by TBillT
Wed Jan 31, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: How to pay cap gain tax
Replies: 3
Views: 462

Re: How to pay cap gain tax

As above, but what I do is just go to EFTPS.gov and make a payment...you'll have to create a login. Same idea for state tax. At tax time, I then refer back to EFTPS.gov for payment history, and hand enter that onto Turbo Tax. I do not worry about making equal payments or any forms.
by TBillT
Tue Jan 30, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Core Position-Fidelity
Replies: 5
Views: 1282

Re: Core Position-Fidelity

During the period 2009-2016 when money market funds were paying essentially zero, then we had cash in the CD sweep. Worked fine. Now that money market funds are paying interest again, I switched everything over to money market funds for the core accounts.
by TBillT
Mon Jan 29, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Seeking Yosemite advice for late March
Replies: 9
Views: 727

Re: Seeking Yosemite advice for late March

We went 2 years ago right about that time of year late March. There had been some snow, but it was clear roads into the main part of the park, with a rental Cruze and no chains from SFO area. We went the main valley Rt 140 from Merced. What was confusing was understanding the road conditions from th...
by TBillT
Mon Jan 22, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 85
Views: 11275

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

I use PONDX and PTIAX as stronger performers. LQD might be good but I have trouble holding it due to volatility.
by TBillT
Mon Jan 22, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard New Issue Brokered CDs (again)
Replies: 5
Views: 805

Re: Vanguard New Issue Brokered CDs (again)

I have used my Fidelity account for these types of CD's. How do you know what the demand is? Anyways if you are considering selling before maturity, you could want a large offering for marketability. Also need to look at monthly vs. semi payments. I see Wells Fargo at 1.9% and a huge offering with m...
by TBillT
Sun Jan 21, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Investing in Individual Corporate Bonds
Replies: 8
Views: 678

Re: Investing in Individual Corporate Bonds

I've done quite a bit of individual bonds at Fidelity. I tend to do many smaller positions, and do corporate, Treasuries, agency bonds. I go for longer maturity dates. Over the last several years I have a much harder time seeing good deals, so I do not do too much. I might benefit from a professiona...