Search found 123 matches

by dcb
Fri Sep 06, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: Episode 013: Bogleheads on Investing - guest Dr. Bill Bernstein, host Rick Ferri
Replies: 36
Views: 4272

Re: Episode 013: Bogleheads on Investing - guest Dr. Bill Bernstein, host Rick Ferri

I listened to the entire podcast and enjoyed it. I have always kept my FI in the totally safe area of SV funds, MM, CD's, and short duration bonds. Lately I have been wavering as the LTT folks have a good argument for being long. Bill has me back in my original mindset. I will take my chances with ...
by dcb
Sat Aug 31, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 5959

Re: What, besides dishes, do you run through your dishwasher?

Some time ago I put all my grown son's metal Tonka trucks in the dishwasher prior to selling them on eBay. Came out sparkling clean and sold at a premium.
dcb
by dcb
Mon Aug 12, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 26431

Re: Social Security -- Take it at 62, 67 or 70

Have you considered taking your soc. sec at some age between62 - 64 and for your wife to apply for spousal benefits at her FRA. She would then receive half of your PIA until age 70 at which time she would apply for her own benefits. I am not sure what the procedures are for this scenario today, but...
by dcb
Mon Aug 12, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 26431

Re: Social Security -- Take it at 62, 67 or 70

While you lie in bed dying you might also think about how you could have left your wife a monthly soc. sec. check double that of the pitifully small amount based on taking soc. sec. at age 62. But what if your spouse has the larger benefit so after you die, your benefit just ends (since the survivo...
by dcb
Mon Aug 12, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 26431

Re: Social Security -- Take it at 62, 67 or 70

But here's the thing: if you do not live past that break-even age, you don't care - you're dead. I'm not going to want to spend a large chunk of my own money in my 60s. If I die at 69, there will be a bunch of things I will not have done with my kids and my wife. I may not care when I'm dead, but I...
by dcb
Mon Jul 08, 2019 12:00 pm
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 3167

Re: Anyone itching to dabble in crypto?

I scratched the itch to dabble in crypto back in Nov. 2017. Here is my experience. I opened an account with Coinbase and bought $200 worth of Etherium. Within three months my account went up to over $500 and I thought 'this is easy' - I should have bought $2000 or maybe even $200,000 and I would now...
by dcb
Fri Jun 14, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2918

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

dknightd wrote:
Fri Jun 14, 2019 10:56 am
What about agett (SP?) beach? is that in lower or upper Michigan?
If you mean Agate Beach it is in the UP on Lake Superior near Houghton. Don't know much else about it.
by dcb
Fri Jun 14, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2918

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

Don't know how you are approaching the UP - coming across the Mackinaw bridge or through the Wisconsin border, but don't underestimate the size of the Upper Peninsula of Michigan. From the western tip to Drummond Is. on the east end you will travel over 500 miles and if you add in the Keweenaw Penin...
by dcb
Tue May 21, 2019 4:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs, ranked by diversification benefit
Replies: 66
Views: 4934

Re: Vanguard ETFs, ranked by diversification benefit

If I get 55 people in a room and average their height, I get 5.6'. If I then find another 45 people from another country and average their heights, I get 5.5'. I then pick 3 out of the original 55 people. Their average height is 5.2'. Then I pick one person, he is over 6.5'. Then I pick 2 out of th...
by dcb
Tue Apr 09, 2019 7:21 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 39
Views: 5828

Re: Vanguard Personal Advisor Services

In fact PAS will set up an asset allocation and hold it, rebalancing periodically. If you have sufficient assets to be a Flagship client (and perhaps Voyager Select, you'd need to check with them) you are entitled to a free annual plan. It's the same plan they'd use if you hired them. So it's up to...
by dcb
Tue Mar 19, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59851

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Yesterday, for example, we spent 45 minutes outside of our local Social Security Administration Office, waiting to get inside. Once inside, we spent an additional 1 ½ hours waiting in another line to get a number. Then, we waited another hour to get served. All we were trying to do was to change ou...
by dcb
Wed Mar 06, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 59851

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I do not believe that anyone in this thread has offered an alternative with a lower opportunity cost (i.e. a higher interest rate on a checking account) than Fidelity currently does using CMA and money market funds. I have, find a local bank or credit union that will provide decent banking services...
by dcb
Fri Feb 22, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 33
Views: 14524

Re: What is a lemon? 2018 Outback Infotainment issues

Do all 2018 Subaru Outbacks have this problem, or is it a quality control issue? I've been considering a Forester for my next car, and this has me a bit concerned. Bought my 2018 Outback Touring in October of 2017 and have had minimal problems with the infotainment system. I do think the Android Au...
by dcb
Thu Dec 13, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5871

Re: Volkswagen Reliability

2004 Jetta TDI, 2009 Jetta TDI, 2013 Passat TDI, and now a 2016 Passat SE gasser. No problems with any of them, but do miss the performance and mileage of the TDI's.
by dcb
Wed Dec 12, 2018 4:45 pm
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 39
Views: 3717

Re: My PenFed 5 yr CDs are maturing

I have a considerable amount of money in 5 CD's all maturing on the same date in January in a tIRA fund with PenFed. I would like to transfer it all back to my IRA with Vanguard (initially into a prime MM fund) as quickly as possible after the maturity date. What would be the best procedure for gett...
by dcb
Fri Oct 12, 2018 12:50 pm
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 4888

Re: New West Michigan Bogleheads Chapter Established

Interested! Kalamazoo
dcb
by dcb
Tue Oct 09, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 6532

Re: Subaru: Crosstrek or Outback?

This is patently wrong. I just got my 2019 outback and it does this. Has been for a while. I have a collision detector that goes off if I approach too close. The manual also describes it. Thanks, I'll investigate and report back. I think collision detection is not the same as parking assist. I cann...
by dcb
Sat Sep 15, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 4114

Re: Using Lastpass as your password manager

Hackers tend to go for the low hanging fruit. Those who use password managers are definitely not the low hanging fruit. Those who use "password" as their password are. No doubt. From a 2017 Pew Research article: Still, just 12% of internet users say that they ever use password management software t...
by dcb
Sun Sep 09, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 6532

Re: Subaru: Crosstrek or Outback?

My two cents worth: We have a 2017 Outback Touring and it has, for the most part, met our expectations. However, size is often in the eye of the beholder. We previously owned a GMC Envoy SUV and now find the Outback to be somewhat lacking in rear compartment storage but still workable. We waffled b...
by dcb
Sat Sep 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 6532

Re: Subaru: Crosstrek or Outback?

My two cents worth: We have a 2017 Outback Touring and it has, for the most part, met our expectations. However, size is often in the eye of the beholder. We previously owned a GMC Envoy SUV and now find the Outback to be somewhat lacking in rear compartment storage but still workable. We waffled ba...
by dcb
Thu Jul 19, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities
Replies: 15
Views: 966

Re: Medicare Supplement plans, 3 day rule, and coverage of Skilled Nursing facilities

Just to clarify. Unless the rule has changed recently, the 3-day rule is not three full days but must include three midnights.
by dcb
Wed Jul 11, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3908

Re: Any kayakers here?

I took up kayaking shortly after retiring at age 55. I am now 76 and in spite of some age-related physical limitations (arthritic knees, hips, shoulders) I still enjoy getting out on the water. Like my fellow Michigander, Yooper16, I enjoy kayaking the many small rivers, streams, marshes, and lakes ...
by dcb
Fri Apr 20, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 13512

Re: NYT article: Everyone should hire a financial planner

https://www.nytimes.com/2018/04/20/smarter-living/why-you-should-hire-a-financial-planner.html?action=click&module=Smarter%20Living&pgtype=Homepage Here’s the website of the journalist who wrote it... https://lizzschumer.com Living my passion project For years, whenever anyone asked why I’m a write...
by dcb
Sat Feb 24, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 7483

Re: Favorite socks?

I love Darn Tough socks! Worth every penny to me. Another endorsement for Darn Tough socks. I like wool socks for comfort but do not get much wear out of most brands. On my feet, Darn Tough wears longer than SmartWool. Plus, Darn Tough socks have a lifetime warranty for wear that I have taken advan...
by dcb
Thu Nov 02, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 5024

Re: Do you Mow your own Lawn?

Always did all my own lawn care, including mowing and trimming. But a year ago at age 75, I had some health issues which prevented me from doing the work and necessitated having it hired out. Thankfully, I am once again hale and hearty but have opted to continue having it done for me. The service I ...
by dcb
Fri Oct 20, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 28
Views: 6936

Re: How soon to cancel a credit card after signup bonus.

I have the Chase Sapphire Reserve card and the Chase Freedom card. My Sapphire card will be charged the annual fee soon and I would like to cancel it. All of my points from both cards are in the Ultimate Rewards program (some with the Freedom card, but most with the Sapphire card). If I cancel the S...
by dcb
Wed Aug 30, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 3255

Re: QCDs from Vanguard

I found out the hard way that you need the funds in your IRA brokerage 'settlement account' when writing a check on your IRA. This is true whether it is a QCD distribution or otherwise. As to writing a Vanguard IRA check for a QCD I have yet to find a definitive statement from the IRS, Vanguard, or...
by dcb
Wed Aug 30, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 3255

Re: QCDs from Vanguard

I found out the hard way that you need the funds in your IRA brokerage 'settlement account' when writing a check on your IRA. This is true whether it is a QCD distribution or otherwise. As to writing a Vanguard IRA check for a QCD I have yet to find a definitive statement from the IRS, Vanguard, or ...
by dcb
Sun Aug 13, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 92
Views: 13048

Re: T-Mobile promotion for 55+

This plan looks great. Even better than 'senior friendly' Consumer Cellular plans. A somewhat equivalent Consumer Cellular plan (unlimited minutes, unlimited messages, and 5gig data and 2 lines) is $80 plus a whole bunch of taxes and fees. Looks like I could save around $30/mo with t-mobile plan. Wo...
by dcb
Fri May 12, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 3171

Re: Fitbit Blaze vs Apple Watch

The OP asked for a comparison between the Fitbit Blase & Apple watch. Most of the comments so far mention the Fitbit Charge - pro or con. I don't know all the differences between the Charge and Blaze, but I have been happy with my Blaze. I had some problems initially with syncing but it has since be...
by dcb
Sun Apr 30, 2017 8:01 am
Forum: Personal Investments
Topic: Grandparents helping with College tuition
Replies: 27
Views: 2948

Re: Grandparents helping with College tuition

Thanks to all for your responses, advice, and suggestions. What do you mean by 529s not being a good fit? There are several that are low cost and have access to vanguard funds. Is there a logistical issue I'm missing? Obviously, the value of the 529 is that your grandkids also get to keep the capita...
by dcb
Sun Apr 30, 2017 7:28 am
Forum: Personal Investments
Topic: Grandparents helping with College tuition
Replies: 27
Views: 2948

Re: Grandparents helping with College tuition

We would like to help with college tuition for our grandkids. We can afford to do it without jeopardizing our retirement or lifestyle and would like to have a stake in their college experience. Can you be more specific about your financial commitment? You want to pay the full cost of any college th...
by dcb
Sat Apr 29, 2017 2:10 pm
Forum: Personal Investments
Topic: Grandparents helping with College tuition
Replies: 27
Views: 2948

Re: Grandparents helping with College tuition

Thanks, livesoft, I am looking at 529's but not found a good fit yet. Because we are not sure of being around for the 10-12 years of tuition payments and to be fair to both kids and all grandkids, we wish to fund it in entirety as soon as practical. So that sort of rules out doling out the money as ...
by dcb
Sat Apr 29, 2017 1:47 pm
Forum: Personal Investments
Topic: Grandparents helping with College tuition
Replies: 27
Views: 2948

Grandparents helping with College tuition

We would like to help with college tuition for our grandkids. We can afford to do it without jeopardizing our retirement or lifestyle and would like to have a stake in their college experience. Their parents (our kids) are middle class financially and can and will do their part, but with some stress...
by dcb
Sun Apr 02, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 39
Views: 7048

Re: Nespresso capsules

The capsules are half the price in Europe ($0.70 vs €0.35). Plus the capsules are more widely sold in retail stores, Nespresso boutiques and department stores. I mostly get the Fortissio Lungo blend. I agree. We recently purchased a few boxes at the equivalent of $0.40/capsule at a Nespresso boutiq...
by dcb
Wed Mar 22, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: QCD and H&R Block tax Software
Replies: 8
Views: 1589

Re: QCD and H&R Block tax Software

Don - Never used HRB software but suspect there is probably some way to enter the taxable portion of the total distribution and some block to check indicating that the difference between the two amounts represents the QCD amount. I would go back over that particular entry from start to finish looki...
by dcb
Fri Jan 27, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: QCD and H&R Block tax Software
Replies: 8
Views: 1589

Re: QCD and H&R Block tax Software

Don - Never used HRB software but suspect there is probably some way to enter the taxable portion of the total distribution and some block to check indicating that the difference between the two amounts represents the QCD amount. I would go back over that particular entry from start to finish looki...
by dcb
Fri Jan 27, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: QCD and H&R Block tax Software
Replies: 8
Views: 1589

QCD and H&R Block tax Software

Help. I am using H & R Block Deluxe tax software for the first time this year. But I have not been able to determine where to enter QCD'd(Qualified Charitable Distributions) from my tIRA. I downloaded the Vanguard 1099-R forms successfully but can find no place to enter the QCD amount. I hope I am j...
by dcb
Sat Dec 03, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: removing mildew/mold from sidewalk
Replies: 45
Views: 38901

Re: removing mildew/mold from sidewalk

Another endorsement for 'Wet & Forget'. Be patient- it takes a few weeks to work but continues to protect and improve look of walks, patios, etc. for months. Bonus - completely safe for plantings, painted surfaces, pets. They have a similar product for fiberglass showers but I have had less success ...
by dcb
Mon Nov 07, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: google phone project fi
Replies: 37
Views: 6553

Re: google phone project fi

Tried Google Fi for a few months and had good results international but spotty coverage in my area. Never did run across a free, with no sign-in, WiFi location. Is there a nationwide list of these type of WiFi sites?
dcb
by dcb
Sat Aug 27, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: What pre-paid cell phone or plan?
Replies: 31
Views: 4153

Re: What pre-paid cell phone or plan?

The t-mobile $3 plan may be as inexpensive as any you will find. I recently did the same thing with an old phone my wife occasionally uses. They are currently running an online special where you can purchase the starter sim kit for $3.99 and when activated gives you 30 min of call time and/or 30 mes...
by dcb
Sun Jul 10, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Would I be crazy to consider buying a used TDI? [Volkswagen Jetta diesel]
Replies: 16
Views: 6763

Re: Would I be crazy to consider buying a used TDI?

I've done a little reading, but I'm not that up on the "dieselgate" scandal. I've always heard good things about the TDI before all of this started with the emissions scandal. I commute about a 100 miles a day and I drive a 2008 Honda Fit with 220k miles. It has been an excellent car, but it's star...
by dcb
Thu Jun 30, 2016 7:30 am
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 4777

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

Perusing the court attachments, it appears that if you're driving less than 1042 miles per month, the buyback offer can increase over time. Not clear about how mileage adjustment is made. Is it using current mileage at time of vehicle buyout but the adjustment figures from the Sept, 1915 N.A.D.A. b...
by dcb
Wed Jun 29, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 4777

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

Perusing the court attachments, it appears that if you're driving less than 1042 miles per month, the buyback offer can increase over time. Not clear about how mileage adjustment is made. Is it using current mileage at time of vehicle buyout but the adjustment figures from the Sept, 1915 N.A.D.A. b...
by dcb
Wed May 18, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: 7 month / 7% / $7K CD at nrlfcu
Replies: 43
Views: 7973

Re: 7mo/7%/7K CD at nrlfcu

Appears that my application is a go. All they need from me is an electronic signature and an uploaded copy of my drivers lic. and it will be approved and funded with Chase card.
dcb
by dcb
Tue May 03, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: 7 month / 7% / $7K CD at nrlfcu
Replies: 43
Views: 7973

Re: 7mo/7%/7K CD at nrlfcu

whodidntante wrote:Doesn't look good. Did anyone get the deal?
Don't know yet. Applied at 8:30am EST 5/2. Message on site says "Approved- pending" We will see.
dcb
by dcb
Mon Mar 21, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Removing mildew from vinyl siding
Replies: 25
Views: 5156

Re: Removing mildew from vinyl siding

2 products that I have used with success... 1.) Wet N Forget -- get it at lowes or home depot, maybe ace hardware -- http://www.amazon.com/Wet-Forget-Remover-Concentrate-gallons/dp/B008RBX9K2/ref=sr_1_fkmr0_1?ie=UTF8&qid=1458563392&sr=8-1-fkmr0&keywords=wet+n+forget+concentrate 2.) Jomax -- also at...
by dcb
Thu Feb 11, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Bear Meat
Replies: 37
Views: 4348

Re: Bear Meat

Tastes like chicken. :wink:
by dcb
Tue Feb 09, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: COSTCO Membership Offer at LivingSocial
Replies: 10
Views: 3140

Re: COSTCO Membership Offer at LivingSocial

Yes, I was a household member under my wife's account. As long as you weren't a primary account holder after October 1, 2015, you are a new member. When I signed up, they actually saw I had a membership # already that just expired, but since I wasn't the primary, I qualified as a "new" member. ze23...
by dcb
Sat Dec 05, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: New Cell Plan
Replies: 21
Views: 3077

Re: New Cell Plan

I use AirVoice Wireless which gives unlimited talk, text, 500MB high speed (not LTE, I think it is HSDPA or HSPA+, not sure), and 500MB low speed @ 128 kbps. I'm on Airvoice's ultracheap pay-as-you-go plan using AT&T's network. It costs 10 cents for texts and each minute of talk and 6.6 cents per m...