Search found 454 matches

by Prudence
Sat Oct 26, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: My Amazon Seller review disappeared ... anyone else have this experience?
Replies: 22
Views: 2344

Re: My Amazon Seller review disappeared ... anyone else have this experience?

Not exactly. I have ordered numerous items over many years from Amazon. I ordered a product a few days ago and tried to return it yesterday. But, it is not eligible. So, I wrote a detailed negative review with one star (deserved none) and submitted it. Amazon gave me an automatic reply saying they w...
by Prudence
Fri Oct 25, 2019 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Entrance Fee for Retirement Community
Replies: 39
Views: 5002

Re: Entrance Fee for Retirement Community

That's one of the primary reasons we are going to put down a deposit on a CRCC. If we wait until we need assisted living or comprehensive care, it is unlikely that we would be accepted into the nice nearby CRCCs that we could tolerate living in. So, it is better to come in to independent living when...
by Prudence
Tue Oct 22, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Entrance Fee for Retirement Community
Replies: 39
Views: 5002

Re: Entrance Fee for Retirement Community

Based on my personal observation, I wouldn’t move to a CCRC until age 75 or so. Unless, of course, I had a progressive medical condition that made the CCRC a good option for the future and I was afraid that I couldn’t qualify if my condition deteriorated. Note also that a lot of CCRCs have waiting ...
by Prudence
Tue Oct 22, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Entrance Fee for Retirement Community
Replies: 39
Views: 5002

Re: Entrance Fee for Retirement Community

Agree 100%! Thanks.
by Prudence
Sun Oct 20, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Entrance Fee for Retirement Community
Replies: 39
Views: 5002

Re: Entrance Fee for Retirement Community

We considered an CRCC and an independent living community, and, we preferred the latter. If we plan to stay until we die in the latter, we would need to plan on having assistance and then nursing care in the unit (in home care) at some point. I was thinking that, at some point in the future, we woul...
by Prudence
Sun Oct 20, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Entrance Fee for Retirement Community
Replies: 39
Views: 5002

Entrance Fee for Retirement Community

DW and I are considering selling our house and moving into an independent living retirement community. The community requires an entrance fee and a monthly fee. There are three options for the entrance fee: declining balance (entrance fee declines one percent per month for 60 months and then the ref...
by Prudence
Sun Jul 28, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Question about Zocdoc
Replies: 1
Views: 282

Question about Zocdoc

I scheduled an appointment with a doctor's office which seems to do all it's scheduling through Zocdoc. I am wondering if I can trust that the appointment will be made accurately. Also, Zocdoc asked me to send Zocdoc my medical records so the doctor can review them before the appointment. I am wonde...
by Prudence
Mon Jul 08, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 196
Views: 22213

Re: What I spent in 6 months on medicare

$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock: That is a line item in the budget that I didn't expect. I didn't realize it was so expensive. I had the opposite reaction. I wish I could buy into Medicare. I recently saw the 2019 figures for my ACA plan. My premiu...
by Prudence
Sat Jun 29, 2019 1:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market (VMMXX)
Replies: 19
Views: 2866

Re: Vanguard Money Market (VMMXX)

TerribleGolfer wrote:
Fri Jun 28, 2019 12:31 pm
How does this fund make its interest payments?

Does it payout every month?

Also - does interest rate risk apply to money market accounts (just talking about the principal amount invested)?

Thanks.
Investors should lose no principal although it is not guaranteed.
by Prudence
Thu Jun 27, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 4115

Re: Trex decking or alternatives?

We chose Azek (TimberTech product line) at the recommendation of the builder we trust. It is expensive but nice.
by Prudence
Wed Jun 05, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: are TIPS expensive? or are they cheap?
Replies: 204
Views: 19862

Re: are TIPS expensive? or are they cheap?

Doc, suppose I decide to hold short term Treasuries instead of a TIPs ladder for protection against unexpected inflation. Can I get that protection with a short term Treasury mutual fund? Doc can answer that question but I would like to add the quibble that you can't buy protection against inflatio...
by Prudence
Wed Jun 05, 2019 7:24 am
Forum: Investing - Theory, News & General
Topic: are TIPS expensive? or are they cheap?
Replies: 204
Views: 19862

Re: are TIPS expensive? or are they cheap?

In the I believe unusual case of someone who loads up on corporate bonds as a 'safe' asset to the point where any other fixed income instrument is subject to likely sale for rebalancing , then the liquidity premium of any TIPS couldn't be assumed to go into the investor's pocket. But in a more usua...
by Prudence
Mon Jun 03, 2019 6:38 am
Forum: Personal Investments
Topic: Required Minimum Distributions
Replies: 1
Views: 383

Required Minimum Distributions

In 2019, I did a transfer from a credit union t-IRA to my Vanguard t-IRA, and, a transfer from my Vanguard t-IRA to a credit union t-IRA. I normally do my RMDs at the end of the year. So I am wondering if Vanguard (and the credit union) has the correct information to calculate the RMD for the end of...
by Prudence
Sun May 26, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1611

Re: Three days In Montreal

We stayed 4 nights in Montreal and 3 nights in Quebec City. I was underwhelmed by Montreal (except Notre Dame) but really enjoyed QC and the Frontenac. I have no desire to return to Montreal but am looking forward to another visit to QC.
by Prudence
Wed May 01, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: TIPs vs total return portfolio in retirement
Replies: 27
Views: 2652

Re: TIPs vs total return portfolio in retirement

Got it and love your long posts!
by Prudence
Tue Apr 30, 2019 1:07 pm
Forum: Investing - Theory, News & General
Topic: TIPs vs total return portfolio in retirement
Replies: 27
Views: 2652

Re: TIPs vs total return portfolio in retirement

Thanks much #Cruncher, very helpful! Regarding the last question, just to confirm, the targeted spending amount of $40,000 per year in Pfau's sample ladder does not include inflation, so, for example if purchasing power drops one half in twenty years due to compounded actual inflation, I would need ...
by Prudence
Mon Apr 29, 2019 8:19 am
Forum: Investing - Theory, News & General
Topic: TIPs vs total return portfolio in retirement
Replies: 27
Views: 2652

Re: TIPs vs total return portfolio in retirement

I think I'm missing something in my understanding of retirement funding. Hoping someone can clear this up. According to Wade Pfau's article, approx $1M is needed for a 30 year, $40,000 per year TIPS ladder. https://retirementresearcher.com/building-retirement-income-tips-ladder/ Using a total retur...
by Prudence
Wed Apr 17, 2019 1:02 pm
Forum: Investing - Theory, News & General
Topic: Five Year TIPs Auction
Replies: 3
Views: 470

Five Year TIPs Auction

I submitted a buy order this morning. I plan to hold to maturity. The indicative yield is .528% and the current CPI rate is around 2.1%. So, I am estimating that my annual rate on the this will be about 2.1 + .528 = 2.628%, more or less. I realize that this will fluctuate going forward. Is this gene...
by Prudence
Tue Mar 26, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Customer Lobby [is it a good review site?]
Replies: 0
Views: 210

Customer Lobby [is it a good review site?]

I am trying to find a good contractor for some work on my house. I normally use checkbook.org for ratings and reviews of local firms. One company I have talked to has reviews on Customer Lobby. The reviews are mostly positive although there is one very negative one. I feel like Customer Lobby is not...
by Prudence
Mon Mar 18, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Microsoft Windows License
Replies: 5
Views: 402

Re: Microsoft Windows License

Many thanks, guys!
by Prudence
Mon Mar 18, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Microsoft Windows License
Replies: 5
Views: 402

Microsoft Windows License

I have received a few phone messages with a recording saying my license has expired and I need to pay $299.00 to renew. I have Windows and various Microsoft products (Word, Excel, Edge etc.). I have not received any other notifications from Microsoft via email or regular mail. This sounds fishy to m...
by Prudence
Tue Feb 19, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Using Federal Tax Refund to Purchase Ibonds
Replies: 3
Views: 486

Re: Using Federal Tax Refund to Purchase Ibonds

I didn't see that option. Thanks!
by Prudence
Tue Feb 19, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Using Federal Tax Refund to Purchase Ibonds
Replies: 3
Views: 486

Using Federal Tax Refund to Purchase Ibonds

I prepared my 2018 return using H&R Block software. Can I submit the return electronically if I want to use the refund to purchase ibonds? If not, do I have to submit a paper return with the special form? Same issue with TurboTax?
by Prudence
Mon Feb 11, 2019 9:53 am
Forum: Personal Investments
Topic: TIPs Question
Replies: 4
Views: 410

Re: TIPs Question

Good point blueskies. I see two ways to mitigate the liquidity issue. One, hold TIPs bonds to maturity. Two, be prepared to wait out the panic and the liquidity crunch before selling.
by Prudence
Mon Feb 11, 2019 7:56 am
Forum: Personal Investments
Topic: TIPs Question
Replies: 4
Views: 410

TIPs Question

Below is a link to an article by Larry Swedroe in August 2018. At that time, I believe Larry made a case that TIPs bonds or TIPS funds compared favorably to nominal bonds or nominal bond funds, considering interest rates at that time and various other relevant factors. My take on the article is that...
by Prudence
Thu Feb 07, 2019 2:27 pm
Forum: Personal Investments
Topic: CD investment decision
Replies: 55
Views: 4726

Re: CD investment decision

Don't know, but, I think guaranteed 3.7% fixed will do as well as ST or intermediate term bond index funds over the next five years (e.g. total bond index, ST Treasuries or IT Treasuries). The problem is the reinvestment risk. If you do a CD ladder, you may come out ahead when you eventually conside...
by Prudence
Thu Feb 07, 2019 8:17 am
Forum: Personal Investments
Topic: CD investment decision
Replies: 55
Views: 4726

Re: CD investment decision

I would not do it but it looks ok to me (75/25 fixed to cash allocation which is low risk). As others have said, make sure you structure it so all your CDs are fully insured by FDIC. Keep an eye on unexpected inflation. When you go to re-invest in five years, you may face a difficult situation. When...
by Prudence
Mon Feb 04, 2019 10:51 pm
Forum: Personal Investments
Topic: Why ally bank
Replies: 30
Views: 4354

Re: Why ally bank

Love Ally. Today I set up a new external bank to link to my Ally account and it was done and ready to submit a transfer in five minutes. Nirvana.
by Prudence
Mon Feb 04, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - vehicle mileage deduction
Replies: 8
Views: 514

Re: Tax question - vehicle mileage deduction

No I can't but I had a similar experience in prior years (my wife uses her car for business purpose commuting). I decided that it was not worth the time to do all the record keeping for such a small write-off. So, we don't claim it. (I think it's the tax regs not TT).
by Prudence
Sun Feb 03, 2019 4:52 pm
Forum: Investing - Theory, News & General
Topic: investing in short term treasury vs CDs
Replies: 17
Views: 1747

Re: investing in short term treasury vs CDs

It depends. I like the ST Treasury fund instead of CDs of comparable duration, except when I can get a good rate such as the 3.25% deal JTColton mentioned above.
by Prudence
Sun Feb 03, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: investing in short term treasury vs CDs
Replies: 17
Views: 1747

Re: investing in short term treasury vs CDs

Also, a ST Treasury bond fund position can adjust to increasing interest rates and increasing inflation.
by Prudence
Tue Jan 15, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Form 1099 for 2018
Replies: 8
Views: 1214

Vanguard Brokerage Form 1099 for 2018

Vanguard said in an email that the form was ready. I tried to pull this info from H&R Block today but Block says that can't happen until January 31 (I can input manually now they say). Struck me as odd.
by Prudence
Tue Jan 15, 2019 9:33 am
Forum: Personal Investments
Topic: The Three-Fund Portfolio
Replies: 10
Views: 1203

Re: The Three-Fund Portfolio

Here is a related posting.
viewtopic.php?p=4224478#p4224478
by Prudence
Mon Jan 14, 2019 4:16 pm
Forum: Personal Investments
Topic: Retirement portfolio
Replies: 14
Views: 1861

Re: Retirement portfolio

jtelwood:
Do have either tIRAs or 401Ks now? If so, would you rather move your portfolio to one or both of these funds, to gain simplicity, rather than separating the bond and equity pieces where appropriate, for tax efficiency?
by Prudence
Mon Jan 14, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: golf clubs
Replies: 17
Views: 1559

Re: golf clubs

Last year I replaced all my clubs except the wedges and putters with TaylorMade (M4). Very happy with the clubs, customer service and advice. Also, they had a military discount for veterans (15%) and a very convenient trade in program that reduced the cost. You can probably get a higher price for ol...
by Prudence
Tue Jan 08, 2019 8:46 am
Forum: Personal Investments
Topic: Best brokerage for TIPS?
Replies: 7
Views: 581

Re: Best brokerage for TIPS?

Thanks!
by Prudence
Tue Jan 08, 2019 8:33 am
Forum: Personal Investments
Topic: Best brokerage for TIPS?
Replies: 7
Views: 581

Re: Best brokerage for TIPS?

I have a traditional IRA account at Vanguard (includes a MM). Does this mean that I can purchase individual TIPS at auction using this account? But, I cannot use my Treasury Direct account to purchase TIPS for my traditional IRA, right?
by Prudence
Mon Jan 07, 2019 6:42 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union 40 Month IRA CD 3.75%
Replies: 8
Views: 1710

Re: Navy Federal Credit Union 40 Month IRA CD 3.75%

Hi all, Anyone have thoughts on the Navy Federal IRA CD 40 month for 3.75% up to 150k? We have maturing money from PenFed. We are members. Can't find anything comparable for brokered CD's or treasuries. Thanks in advance Rate is great but I probably won't bother due to $150K limit. Thanks for menti...
by Prudence
Mon Jan 07, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: Why Total Bond Market over CDs?
Replies: 24
Views: 4410

Re: Why Total Bond Market over CDs?

I have been juggling multiple CDs for several years now and I am tired of it and the constraints on liquidity. Also, interest rates are on the rise. So, I am thinking about investing cash I might need within the next two years in my online savings account and a short term Treasury fund and the remai...
by Prudence
Mon Jan 07, 2019 8:28 am
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

Kevin, what is the logic driving this? Suppose we are continuing along with about 2.2% inflation per CPI and SEC yield on short term Treasury bond fund of 2.6% and then unexpectedly the inflation trend jumps to 3% annual or greater (due to some heretofore unknown like spike in price of oil, or known...
by Prudence
Sun Jan 06, 2019 11:00 am
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

dbr, regarding ibonds, I see that I can buy up to $10,000 electronic per year plus up to $5,000 paper (total $15,000 limit per year). The estimated tax payment for Q4 is due January 15th. So, I can make another payment now to Treasury in order to ensure my refund for the 2018 tax year is at least $5...
by Prudence
Sun Jan 06, 2019 9:28 am
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

In this specific transaction, is the execution better with Schwab than Vanguard? You read my mind. I'd like to know that also. And another question: Would an investor invest in a TIPS fund rather than a bond fund to minimize the swings in value, and accept lower earnings in exchange? No because a T...
by Prudence
Sat Jan 05, 2019 10:18 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

<snip> Suppose I buy 10 year TIPS from Treasury Direct this month and plan to hold them to maturity in 2029. Let's assume that there is very high inflation in multiple years before 2029 . So, I will be using non TIPS sources (probably cash and fixed accounts) to cover residual expense outlays befor...
by Prudence
Sat Jan 05, 2019 6:03 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

If you buy one TIPS, you will only have inflation protection for that ONE bond, not any of your other fixed income. You are correct that a TIPS mutual fund fluctuates in value. You may have more or less than your initial investment when you sell the TIPS fud. I have a large TIPS ladder. Bought most...
by Prudence
Sat Jan 05, 2019 5:20 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

Unfortunately, a TIPS fund can't necessarily protect the principal.... Please excuse my ignorance but is VIPSX (Vanguard Inflation-Protected Securities Fund) a TIPS fund? And would the principal not be protected if I invested in it? I looked but haven't been able to find the answer myself. Thanks I...
by Prudence
Sat Jan 05, 2019 3:16 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

Let's say I want to buy some TIPS (not a mutual fund) to protect our portfolio against high unexpected inflation but I am not interested in building and maintaining a TIPS ladder. Suppose I buy 10 year TIPS from Treasury Direct this month and plan to hold them to maturity in 2029. Let's assume that...
by Prudence
Sat Jan 05, 2019 2:59 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

Unfortunately, a TIPS fund can't necessarily protect the principal, so, I am thinking about just buying a ten year TIPS and holding to maturity as an insurance policy against rampant inflation.
by Prudence
Sat Jan 05, 2019 2:17 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

Re: TIPS Question

Let's say I want to buy some TIPS (not a mutual fund) to protect our portfolio against high unexpected inflation but I am not interested in building and maintaining a TIPS ladder. Suppose I buy 10 year TIPS from Treasury Direct this month and plan to hold them to maturity in 2029. Let's assume that...
by Prudence
Sat Jan 05, 2019 12:22 pm
Forum: Personal Investments
Topic: TIPS Question
Replies: 26
Views: 1847

TIPS Question

Let's say I want to buy some TIPS (not a mutual fund) to protect our portfolio against high unexpected inflation but I am not interested in building and maintaining a TIPS ladder. Suppose I buy 10 year TIPS from Treasury Direct this month and plan to hold them to maturity in 2029. Let's assume that ...