Search found 707 matches

by rixer
Mon Nov 23, 2020 1:56 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 43
Views: 2346

Re: How to avoid tinkering?

Get a balanced fund.
by rixer
Mon Nov 23, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Fossil Collecting?
Replies: 14
Views: 832

Re: Fossil Collecting?

I don't really collect fossils but on a rockhounding trip to Delta, Utah we took a side trip to a place called U-Digg. It's a fee dig site where you break open slate slabs to find Trilobites. We spent 2-3 hours there and came away with many fossilized Trilobites. It was a lot of fun. https://u-digfo...
by rixer
Fri Nov 20, 2020 1:37 pm
Forum: Personal Investments
Topic: Starting late at 37 and requesting your expertise/advise
Replies: 38
Views: 2987

Re: Starting late at 37 and requesting your expertise/advise

I like simplicity of one fund. You simply contribute regularly and forget it. I would look into the Lifestrategy growth fund. It maintains AA of 80/20 and doesn't vary. In a tax advantaged account you can change it as you get closer to retirement. A Target Rate fund may get too conservative sooner ...
by rixer
Fri Nov 20, 2020 1:00 pm
Forum: Personal Investments
Topic: Starting late at 37 and requesting your expertise/advise
Replies: 38
Views: 2987

Re: Starting late at 37 and requesting your expertise/advise

I like simplicity of one fund. You simply contribute regularly and forget it. I would look into the Lifestrategy growth fund. It maintains AA of 80/20 and doesn't vary. In a tax advantaged account you can change it as you get closer to retirement. A Target Rate fund may get too conservative sooner t...
by rixer
Thu Nov 19, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Recliner chair
Replies: 14
Views: 1175

Re: Recliner chair

We have a power reclining loveseat with a counsel in the center from Flexsteel. We like it.
by rixer
Thu Nov 19, 2020 8:49 am
Forum: Personal Investments
Topic: Strategy for Inherited IRA
Replies: 7
Views: 732

Re: Strategy for Inherited IRA

If you waited 10 years and then drew it all out at once, I suspect the tax on that amount would be pretty high. Maybe it would be better to take 1/10th each year and put it in a taxable account with the same AA you desire.
by rixer
Wed Nov 18, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1759
Views: 146651

Re: Coronavirus (Consumer Issues) How you are preparing?

We stocked up on food, toilet paper, paper towels, cleaning supplies and replenish as we use it. We shop online, groceries either delivered or e-cat pick-up.
We have had a family trust built several years ago and have our daughter as a POA.
by rixer
Wed Nov 18, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: How to remove wrinkles from crumpled silk without washing?
Replies: 11
Views: 666

Re: How to remove wrinkles from crumpled silk without washing?

I would try putting it on a hanger and just placing it outside in the sun for a few hours.
by rixer
Wed Nov 18, 2020 12:43 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 13605

Re: Which diet soda pop do you enjoy?

We're diet pepsi people.
by rixer
Wed Nov 18, 2020 12:39 am
Forum: Personal Consumer Issues
Topic: Lenovo Chromebook Duet
Replies: 9
Views: 959

Re: Lenovo Chromebook Duet

I can only speak of my experience. I bought a lenova and it's the slowest laptop I've used in years. I hate it, today it took almost 3 hours to update and I was frozen out. My dell chromebook that I surf with has never had that issue. For a cheap laptop, my chromebook has it all over my lenova. But ...
by rixer
Wed Nov 18, 2020 12:35 am
Forum: Personal Investments
Topic: Rollover to Schwab or Bofa preferred rewards
Replies: 10
Views: 836

Re: Rollover to Schwab or Bofa preferred rewards

Personally, I would never choose BofA over Schwab. Not in a million years.
by rixer
Sun Nov 15, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2283
Views: 238952

Re: [What TV Show Have You Recently Watched?]

On Hulu, Devious Maids.
by rixer
Sun Nov 15, 2020 11:29 am
Forum: Personal Consumer Issues
Topic: New Traeger Pellet Grill - Super Excited!
Replies: 38
Views: 3012

Re: New Traeger Pellet Grill - Super Excited!

I've been using a Traeger for about 6 years now. It's boosted my outdoor cooking skills 100%. I love it, good choice!
by rixer
Sun Nov 15, 2020 12:56 am
Forum: Investing - Theory, News & General
Topic: Not all Lazy Portfolios are Equal. Help!
Replies: 44
Views: 4027

Re: Not all Lazy Portfolios are Equal. Help!

I also use a lifestrategy fund and it's been working fine so far. You might check into that. LSCGX is 40/60 and is up 7.4% year to date. It doesn't get much simpler than one fund.
by rixer
Sun Nov 01, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: iPhone 12 Pro Max OR ...?
Replies: 72
Views: 5687

Re: iPhone 12 Pro Max OR ...?

I'm going down right now to buy the Samsung S20 FE 5G on sale at Best Buy for $350.
by rixer
Mon Oct 26, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Best place to sell used truck (1998)
Replies: 31
Views: 1791

Re: Best place to sell used truck (1998)

We have a lot that happens on weekends only, at a Jr. College parking lot. There's a fee for putting your vehicle there for several weekends. I sold an inheirited car there the first day. It's all for sale by owners, you meet there, not your home. I would see if you have anything like this in your a...
by rixer
Thu Oct 22, 2020 6:13 pm
Forum: Personal Investments
Topic: 72 year old, wanting to put investments in "auto pilot" mode, please advise
Replies: 25
Views: 3265

Re: 72 year old, wanting to put investments in "auto pilot" mode, please advise

I'm also 72 and I'm using the lifestrategy conservative growth index fund. It's as autopilot as it gets and remains a constant AA. So far so good.
by rixer
Wed Oct 21, 2020 5:29 pm
Forum: Personal Investments
Topic: Going “all in” on paying mortgage
Replies: 178
Views: 14425

Re: Going “all in” on paying mortgage

We paid ours off early by sending an extra check along with each monthly payment. We never stopped till we paid it off. I was self employed and never knew what to expect for income. It was reassuring to have a home that's paid for. It still is and we're grateful for it.
by rixer
Wed Oct 21, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 6885

Re: New smoker recommendation?

We have been using a Traeger for about 7 years. It's so simple to use and reliable that we use it at least 4 times a week. I would buy another one in a heartbeat if this one ever quit.
by rixer
Mon Oct 19, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: Does Dry Powder Work? - The White Coat Investor
Replies: 89
Views: 11127

Re: Does Dry Powder Work? - The White Coat Investor

Is holding a couple of years expenses in cash investments when retired considered dry powder?
by rixer
Fri Oct 16, 2020 11:36 am
Forum: Investing - Theory, News & General
Topic: How The Creator Of The 4 Percent Rule Applied It For His Clients And His Own Retirement
Replies: 59
Views: 7574

Re: How The Creator Of The 4 Percent Rule Applied It For His Clients And His Own Retirement

I'm 72 and retired 8 years ago. No pension, we draw SS and our portfolio. While we don't use the 4% plan as written, we use it as a guide. Like Taylor, we take a little more if it's a good year and less if it isn't. It still hovers around the original 4% either way. We have more in our portfolio now...
by rixer
Thu Oct 15, 2020 11:29 pm
Forum: Personal Consumer Issues
Topic: How do YOU handle home security [alarm systems]
Replies: 89
Views: 6367

Re: How do YOU handle home security [alarm systems]

We had ADT for years but the price kept going up and up untill we were paying over $65 per month.
We purchased Simply Safe about a year ago. Great system, easy to install and the monitering is $15 month. They have great customer support when you need an answer or help.
by rixer
Thu Oct 15, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: Most comfortable shoe: please recommend
Replies: 81
Views: 6555

Re: Most comfortable shoe: please recommend

Sketcher's Go Walks for long walks and workout. Reef's flip flops for everyday wear. :sharebeer
by rixer
Tue Oct 06, 2020 9:21 am
Forum: Personal Investments
Topic: Life Strategy Fund Tax Implications
Replies: 31
Views: 2435

Re: Life Strategy Fund Tax Implications

It depends. When I retired, I put 200k in VSCGX in my taxable account. It's not that much money, dividends pay little and I'm now in a very low tax bracket so I don't pay that much at all. So for me it works.
by rixer
Fri Oct 02, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6817

Re: how do you make your home smell good?

I hate most artificial scents and if a house has any kind of smell is a huge turnoff for me. For those suggesting plugins etc. You may be interested in https://stinkmovie.com/ No, it didn't interest me. We have an older house and it gets a musty odor when it's been closed up. The house is clean, no...
by rixer
Thu Oct 01, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6817

Re: how do you make your home smell good?

I hate most artificial scents and if a house has any kind of smell is a huge turnoff for me. For those suggesting plugins etc. You may be interested in https://stinkmovie.com/ No, it didn't interest me. We have an older house and it gets a musty odor when it's been closed up. The house is clean, no...
by rixer
Thu Oct 01, 2020 12:13 am
Forum: Personal Consumer Issues
Topic: Do you have any hobbies for a long winter? I bought a Sony A7 III mirrorless camera.
Replies: 72
Views: 4487

Re: Do you have any hobbies for a long winter? I bought a Sony A7 III mirrorless camera.

I have a lapidary shop that I work in.I started rockhounding when I retired and I enjoy making things out of rocks I've collected.
by rixer
Thu Oct 01, 2020 12:03 am
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6817

Re: how do you make your home smell good?

I hate most artificial scents and if a house has any kind of smell is a huge turnoff for me. For those suggesting plugins etc. You may be interested in https://stinkmovie.com/ No, it didn't interest me. We have an older house and it gets a musty odor when it's been closed up. The house is clean, no...
by rixer
Wed Sep 30, 2020 12:17 am
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6817

Re: how do you make your home smell good?

Glade plug ins. Work great.
by rixer
Wed Sep 30, 2020 12:14 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2283
Views: 238952

Re: [What TV Show Have You Recently Watched?]

Filthy Rich. :moneybag
by rixer
Wed Sep 30, 2020 12:06 am
Forum: Personal Consumer Issues
Topic: Anybody have experience booking through Hotels.com?
Replies: 31
Views: 2178

Re: Anybody have experience booking through Hotels.com?

Every time I try to use sites like Hotels.com, Expedia, etc, I find that making the reservation directly with the hotel to be a better deal for me. It's usually at least the same price but the cancellation policy is so much better by booking direct. Often, you can cancell within 24 hrs before check-...
by rixer
Mon Sep 28, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: Retirees spending question
Replies: 41
Views: 3524

Re: Retirees spending question

I spend more. I was always saving money before retirement but that ship has sailed. Of course this year has been different because of covid.
by rixer
Thu Sep 24, 2020 1:18 pm
Forum: Investing - Theory, News & General
Topic: What did your accounts look like in your 30's?
Replies: 89
Views: 7972

Re: What did your accounts look like in your 30's?

I didn't have an account in my 30's.
by rixer
Sat Sep 19, 2020 9:00 am
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 14062

Re: Losing Money with Index Funds

It depends on which index fund. Some people have lost up to 75% investing in VDE (energy index fund).
by rixer
Thu Sep 10, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard International Bonds
Replies: 42
Views: 3540

Re: Vanguard International Bonds

I have International Bonds in my lifestrategy fund. I probably wouldn't buy it if it wasn't in there. That said, it's not worth bailing because of it. I enjoy the simplicity of the fund and it is supposed to add more diversity to the portfolio so I'll have to hope it works out. I know nothing....
by rixer
Wed Sep 09, 2020 12:40 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7966

Re: How do Bogleheads cope with FOMO? [Fear Of Missing Out]

To be completly honest, I do get jealous of a friend who has made millions of dollars from a 100k investment in Amazon. But I am not comfortable buying in now. I will just stick with my balanced fund and watch my friend remodel his lake house..... But yes, I'm jealous and wish I had done the same th...
by rixer
Wed Sep 09, 2020 9:50 am
Forum: Personal Investments
Topic: Requesting advice for financial planning
Replies: 12
Views: 1168

Re: Requesting advice for financial planning

Or you could just move into a low cost, balanced mutual fund of indexes and be done with it.
by rixer
Thu Sep 03, 2020 10:49 am
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4381

Re: Moving my wife's investments to Schwab?

I'm at Schwab, When I retired, I put most everything in Vanguard Strategy fund, conservative growth. There's a fee of about $75 ( I think) to purchase and no fee to sell, ever. So it was just a small one time fee. I supose you could do the same with the other Vanguard Funds. At any rate, the Schwab ...
by rixer
Fri Aug 28, 2020 11:41 am
Forum: Investing - Theory, News & General
Topic: How long could you live off your portfolio if the worst happened?
Replies: 110
Views: 10784

Re: How long could you live off your portfolio if the worst happened?

If it came down to it, I could last longer than I have years to live. I'm retired, live in a smaller house compared to today's homes so it's cheaper to heat and cool,It's also paid off and we carry no debt, have medicare and Social Security pays for most all our neccessary expenses. Now that's more ...
by rixer
Tue Aug 18, 2020 10:01 am
Forum: Personal Investments
Topic: Disappointed with Vanguard service. Better options?
Replies: 80
Views: 7309

Re: Disappointed with Vanguard service. Better options?

I'm all in at Schwab and have been for years. Great customer service and user freindly website.
by rixer
Wed Jul 29, 2020 12:50 pm
Forum: Personal Investments
Topic: Poor service at Vanguard making me re-think my decision
Replies: 98
Views: 8957

Re: Poor service at Vanguard making me re-think my decision

I have been with Schwab for many years. Their customer support has always been top notch and you get a personal consultant that you can always talk to.
by rixer
Thu Jul 23, 2020 9:50 am
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 174
Views: 19315

Re: What is your game plan as market is reaching its previous all time high?

My game plan is stay in to stay in the lifestrategy balanced fund and take what the market gives me.
by rixer
Tue Jul 21, 2020 12:12 pm
Forum: Personal Investments
Topic: Charles Schwab
Replies: 48
Views: 5342

Re: Charles Schwab

The best thing I did was move to Schwab years ago. I love their low fee's, website and customer support.
by rixer
Tue Jul 21, 2020 12:08 pm
Forum: Personal Investments
Topic: Where is your fixed income invested?
Replies: 71
Views: 5500

Re: Where is your fixed income invested?

I'm in Lifestrategy so except for a couple of years expenses in CD's, my FI is total bond and total international bond.
by rixer
Wed Jun 24, 2020 9:47 am
Forum: Investing - Theory, News & General
Topic: Study claims active management better than benchmarks
Replies: 30
Views: 3270

Re: Study claims active management better than benchmarks

My retirement porfolio is in a vanguard balanced fund, I'm a believer. However, it really gets to me when people like my friend who uses a FA has become wealthy. As an example, just one of his holdings was 100k in Amazon and now it's worth millions. He's averaged around 15% per year. Much better tha...
by rixer
Thu Jun 18, 2020 12:43 am
Forum: Personal Investments
Topic: USAA to Charles Schwab - not happy
Replies: 43
Views: 3561

Re: USAA to Charles Schwab - not happy

I think your best option is to just purchase Schwabs sp500 index fund. It's an excellent fund and Schwab has excellent customer service and their website is very user friendly.
I'd stay with Schwab.
by rixer
Sat Jun 13, 2020 12:37 am
Forum: Investing - Theory, News & General
Topic: Frequency of Withdrawals in Retirement
Replies: 50
Views: 4160

Re: Frequency of Withdrawals in Retirement

I take a yearly withdrawal in January and hold it in a high interest savings. If you want to call it high interest..... Then I have monthly distributions automatically sent to my brick and mortar bank with some excess left for emergencies.
by rixer
Mon Jun 01, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: Best Diversification Portfolio For Different Asset Allocations
Replies: 11
Views: 889

Re: Best Diversification Portfolio For Different Asset Allocations

I'm rolling with a lifestrategy fund.Have been since retirement, so far, so good.
by rixer
Sat May 30, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 48
Views: 8878

Re: Put checking accounts in living revocable trusts?

I was the successor trustee for the inlaws. They had the checking account listed under the trust so I don't know how it would have been handled if it wasn't. At any rate, the m/l passed first and later the f/l was incapacitated by alzhiemers. I just had to furnish death certificate for m/l and two ...
by rixer
Wed May 27, 2020 12:24 pm
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 5945

Re: At what moment does retirement begin?

For me, retirement began the first day I quit working.