Search found 45 matches

by jbh42
Thu Jul 26, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1458

Re: disposable cell phone

Shallowpockets,
Great call(jitterbug) does not work outside the US. Thanks for the advice from all of you, but I ONLY want to know if any bogleheads know
of an inexpensive disposable cell phone that can be used in Vancouver for 2 days.
by jbh42
Thu Jul 26, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1458

Re: disposable cell phone

Great Call, Jitterbug basic phone
by jbh42
Thu Jul 26, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1458

Re: disposable cell phone

I will be on vacation for 3 weeks within the US after Vancouver. Borrowing a cell phone is not possible.
by jbh42
Thu Jul 26, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1458

Re: disposable cell phone

Yes, I meant inexpensive. My provider does not offer service outside the US.
by jbh42
Thu Jul 26, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1458

disposable cell phone

What is an expensive disposable cell phone(preferably calls only) for usage in Vancouver, BC (need 2 days only)that will accept calls from the US?
Thanks
by jbh42
Fri Nov 04, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 2755

Re: Visiting San Francisco

Just was there. Parking at hotel was $60- a day.
by jbh42
Sat Dec 05, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy long-term disability insurance?
Replies: 10
Views: 1818

Re: Should I buy long-term disability insurance?

A young CPA,partner, had a brain tumor 4 years ago. Having disability insurance has been a blessing due to not being
able to work.
by jbh42
Sun Aug 23, 2015 10:46 pm
Forum: Personal Consumer Issues
Topic: Diamond ring- insurance vs resale value
Replies: 13
Views: 1956

Re: Diamond ring- insurance vs resale value

Your appraisal from a jeweler will do you no good. A 3ct. diamond is best sent to GIA (approx. $250-)to authenticate its grade. A difference of 1 grade in clarity or color could translate into thousands of dollars for a diamond of this size. However GIA will only grade unmounted stones. It is wise t...
by jbh42
Sun Jul 19, 2015 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Bridge loan vs paying cash
Replies: 21
Views: 2457

Re: Bridge loan vs paying cash

It's possible to make a 60-day penalty-free, short-term IRA withdrawal, but make sure to follow the rules when returning funds.
by jbh42
Wed May 20, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: Trip Insurance
Replies: 35
Views: 3230

Re: Trip Insurance

I was in Colombia and was fortunate to have insurance. Due to a medical emergency a Lear jet was flown in with a doctor and a nurse and flew me to a hospital in Miami. Travel Insurance covered the flight, the ambulance, 1 week hotel expenses for my wife and first class air home.My personal insurance...
by jbh42
Mon Jun 16, 2014 11:36 am
Forum: Investing - Help with Personal Investments
Topic: bridge loan
Replies: 6
Views: 1602

Re: bridge loan

Hi Stan, Thanks for your response. Mine is not a legal question. I would only like to know if I can take separate rollovers from both the traditional IRA and Roth during the same 1 year period and refund each within the 60 day period. I understand there are no Roth income taxes. Can a boglehead plea...
by jbh42
Mon Jun 16, 2014 10:57 am
Forum: Investing - Help with Personal Investments
Topic: bridge loan
Replies: 6
Views: 1602

Re: bridge loan

I'll try to make my request simpler. I know that one can rollover a traditional IRA for any purpose and refund it within a 60 day period without any tax consequences. My question is: Can one rollover a Roth IRA and refund it within a 60 day period after the option is used for the traditional IRA? My...
by jbh42
Sat Jun 14, 2014 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: bridge loan
Replies: 6
Views: 1602

bridge loan

I used part of my traditional IRA for a bridge loan which I will refund with in 60 days.

My question is: Can I use my Roth IRA afterwards for another bridge loan in the same 12 month period?





I
by jbh42
Mon May 19, 2014 10:19 am
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 7952

Re: 2600 days of every dollar tracked

Hard to believe you spent $2662.00 for health in a span of 2600 days. That is approx. $374.00/year
for insurance, dental, eyes and medicine. You are very fortunate.
by jbh42
Wed Apr 30, 2014 10:38 am
Forum: Personal Consumer Issues
Topic: Selling gold jewelry
Replies: 29
Views: 4252

Re: Selling gold jewelry

First do your do diligence. 24K is pure gold. 14K is 14/24 or 58.33% gold. Prior to 1981 jewelry could be marked 14K and contain a % as low as 13/24 or 54.17% gold. More than likely a jeweler will pay on the 54.17% calculation. Let's say you have 1 troy oz (1 troy ounce is equivalent to to approx. 1...
by jbh42
Thu Feb 06, 2014 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 6/12 to 12/31 2013
Replies: 8
Views: 845

Re: S&P 6/12 to 12/31 2013

FYI
S&P return from 6/12 -12/31/13 is 1612-1848...+11.4% plus dividends
by jbh42
Wed Feb 05, 2014 2:09 pm
Forum: Personal Consumer Issues
Topic: apple 4 or 5
Replies: 17
Views: 1842

apple 4 or 5

I hope this question is appropriate for the forum. My contract is up for renewal for my cellphone. Verizon gave me an overview of
the Apple 4 and 5 phone. I text and email as well as use the camera. I like the siri feature as well. Which phone would be best for me?
by jbh42
Thu Nov 21, 2013 11:50 am
Forum: Investing - Help with Personal Investments
Topic: what is the formula?
Replies: 12
Views: 1185

Re: what is the formula?

Grt2bOutdoors, thanks for the answer.

But is there a formula where similar numbers can be plugged in while using a basic
handheld calculator?
by jbh42
Thu Nov 21, 2013 11:37 am
Forum: Investing - Help with Personal Investments
Topic: what is the formula?
Replies: 12
Views: 1185

what is the formula?

What is the formula for the following?
100K in a savings acct. earning 1% APR. Withdraw $1000/month until 0. What is the total amount returned?

Is there a site where similar numbers can be plugged in?
by jbh42
Sun Nov 10, 2013 4:08 pm
Forum: Personal Consumer Issues
Topic: Best way to sell old engagement ring
Replies: 47
Views: 5620

Re: Best way to sell old engagement ring

BanditKing ,
if you let us know the GIA Report number someone on this site may be able to help you.
The report is available for anyone to see and does not reveal your name.
by jbh42
Thu Oct 31, 2013 7:48 pm
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 11095

Re: Poll: How conservative/aggressive is your AA for your ag

nisiprius , since you started this poll, where do you stand?
by jbh42
Fri Oct 11, 2013 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: what to do [Tax-free windfall]
Replies: 4
Views: 966

what to do [Tax-free windfall]

I have just come into 700k cash which I owe no taxes. I am 71 and married and am in a 25% FIT and 8% SIT bracket. I do not need this money to live on, and would like to know which tax efficient Vanguard funds are available with the possibility of some income? All my current investments are in an IRA...
by jbh42
Thu Sep 19, 2013 9:54 am
Forum: Investing - Help with Personal Investments
Topic: IRA-Roth-VA question
Replies: 1
Views: 234

IRA-Roth-VA question

My retirement portfolio is IRA-78%, Roth-14%, Variable Annuity 8%.
Allocation is 60% bond-40% stock.
My expenses are more than met with Social Security and IRA RMD.

My question : While maintaining a 60B-40S overall, should B-S allocation % differ among 3 vehicles?
by jbh42
Tue May 07, 2013 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: effective average duration
Replies: 1
Views: 263

effective average duration

How would I estimate the effective average duration (EAD)for the following bond portfolio?
Please provide the formula.

22% @ EAD 3.7 years
20% @ EAD 8.1 years
30% @ EAD 2.8 years
28% @ EAD 5.2 years

Thanks
by jbh42
Wed Feb 27, 2013 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs Medigap
Replies: 30
Views: 3876

Re: Medicare Advantage vs Medigap

The main reason I have medigap is to have the flexibility to have the doctor of my choice. I had a major surgery and was
glad to have that choice. You may be healthy today, but some major illness will occur in the future is likely.
by jbh42
Wed Jan 09, 2013 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Buying American Gold & Silver Eagles (monthly)
Replies: 22
Views: 3072

Re: Buying American Gold & Silver Eagles (monthly)

Consider the commission you have to pay when buying or selling coins.
by jbh42
Tue Nov 27, 2012 6:28 pm
Forum: Personal Consumer Issues
Topic: Speeding ticket out of state
Replies: 59
Views: 7052

Re: Speeding ticket out of state

Don't get a moving violation in LA county. Recently had my first moving violation
in Culver City... $548- plus $30- traffic school. $131- seems like a bargain.
by jbh42
Mon Nov 26, 2012 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: The most optimal account setup possible
Replies: 16
Views: 1041

Re: The most optimal account setup possible

Are you aware that the Sallie Mae MMA pays 1.05%?
by jbh42
Wed Oct 24, 2012 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: does it make a difference?
Replies: 5
Views: 1152

does it make a difference?

I am receiving my RMD and have a portfolio with an IRA and Roth.I do not need to withdraw from the Roth.
Asset allocation of porfolio:
Total stock-65%
Total bond- 30%
Cash- 5%

My question is, what should my % of the TSM be in the IRA?
by jbh42
Tue Sep 25, 2012 9:54 am
Forum: Personal Finance (Not Investing)
Topic: why has VCAIX performed so well
Replies: 3
Views: 527

why has VCAIX performed so well

Why has the Vanguard California Intermediate-Term Tax-Exempt Fund(VCAIX) has performed so well these past 2 years. Considering that the state has fiscal problems and three cities bankrupt what is the explanation for this fund's success?
by jbh42
Fri Sep 21, 2012 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Scott Burns on fixed-index annuities
Replies: 30
Views: 3137

Re: Scott Burns on fixed-index annuities

Tell me what I'm missing here. A 65 year old male would receive approx. $6500/year with a 100K SPIA. Would'nt it make sense to put that 100K in a product like a long term investment grade bond fund(VWESX) or similar. I understand that the principal would vary over a thirty year period but he would r...
by jbh42
Sat Sep 01, 2012 12:50 pm
Forum: Investing - Theory, News & General
Topic: VBMFX possibilities
Replies: 8
Views: 1451

VBMFX possibilities

Assume $100k in VBMFX and the current prime rate of 3.25% doubles in one year to 6.5%. What is the market value after 1year? Assuming after the year has past and continues at 6.5% for the next 2 years what is the account value. Is it possible to give an account value if dividends are withdrawn and a...
by jbh42
Thu Jun 14, 2012 8:15 pm
Forum: Investing - Theory, News & General
Topic: Am I diversified and efficient with my $$$$?
Replies: 45
Views: 4367

Re: Am I diversified and efficient with my $$$$?

Re: Am I diversified and efficient with my $$$$? by YDNAL ┬╗ Thu Jun 14, 2012 4:22 am Easy Rhino wrote: YDNAL wrote:. 1. An S&P 500 company - the likes of Goodyear Tire - represents 0.0216% of Vanguard VFINX. 2. The largest current holding in Vanguard Extended VEXMX - Las Vegas Sand - represents 0.81...
by jbh42
Tue Jun 12, 2012 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance advice
Replies: 6
Views: 953

Re: Refinance advice

by jbh42
Wed May 30, 2012 4:31 pm
Forum: Investing - Theory, News & General
Topic: Mortgage rate math
Replies: 4
Views: 585

Re: Mortgage rate math

your current loan has 164 payments @$2976.79=$488194-
the new loan has 180 payments @2716.78 =$489020- plus refinancing costs
by jbh42
Wed May 23, 2012 3:31 pm
Forum: Investing - Theory, News & General
Topic: so what if i wanted to learn day trading
Replies: 103
Views: 9068

Re: so what if i wanted to learn day trading

You have a better shot at the track where you can make a bet on one of 10 horses.
Seems to be much easier than betting from thousands of stocks.
by jbh42
Fri May 11, 2012 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard variable annuity
Replies: 4
Views: 616

vanguard variable annuity

I have a variable annuity thru Vanguard with 65K value and a 20K cost basis. It is a small % of my net worth
and do not need the money. I'm aware that if withdrawn is subject to capital gains. What are my options?
by jbh42
Tue May 08, 2012 9:48 am
Forum: Investing - Help with Personal Investments
Topic: VFIIX or VBMFX
Replies: 2
Views: 1131

VFIIX or VBMFX

i have a subsantial portion of my bond portfolio in VFIIX. In your opinion is it better to be in VBMFX?
by jbh42
Wed May 02, 2012 1:28 pm
Forum: Investing - Theory, News & General
Topic: Las Vegas and bogleheads
Replies: 5
Views: 800

Las Vegas and bogleheads

Just a thought, is the boglehead philosophy akin to what makes Las Vegas casinos successful? That is to say..stay the course
and don't try to beat the odds by making foolish bets.
by jbh42
Sat Apr 28, 2012 1:06 pm
Forum: Investing - Theory, News & General
Topic: Portfolio loss from 10/12/2007 to 3/9/2009
Replies: 2
Views: 625

Portfolio loss from 10/12/2007 to 3/9/2009

Is there a way to determine the loss in a portfolio invested in VBTLX-VTSAX-VTIAX, % depending on one's particular circumstances,
from the market high on 10/12/2007 to the low on 3/09/2009?
by jbh42
Sat Apr 14, 2012 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation
Replies: 11
Views: 1117

Re: asset allocation

No matter what one's AA is, I doubt if anyone can sleep at nite if the market dives 50% in a day.
However, I just wanted to know if my AA is appropriate for my age. Thanks for your input.
by jbh42
Wed Apr 11, 2012 11:41 am
Forum: Investing - Help with Personal Investments
Topic: asset allocation
Replies: 11
Views: 1117

asset allocation

I am retired at age 70 and currently have$ $1million(40 stock and 60 bond) in retirement accts. and 100k in tax cash accts.I receive 27k from social security and have annual expenses of 60k and a 600k home mortgage free. I do not need to leave money to my children. Am I being too conservative with m...