Search found 610 matches

by EyeYield
Mon May 21, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2615
Views: 496758

Re: What's Your Credit Card Rewards Strategy?

State Farm Visa. Certainly not the best, but it works for me. I buy a lot of insurance, but admit I don’t try to play the rewards game like a lot of you. 3 points per $1 spent on insurance premium payments Up to $4,000 annually, 1 point per $1 thereafter. And 1 point per $1 for every thing else. No ...
by EyeYield
Tue May 15, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2229

Re: Free skin cancer screenings

Dear all, I was browsing the web and stumbled on an announcement that May is Skin Cancer Awareness Month, and the American Academy of Dermatology is providing free skin cancer screenings. This site provides locations and dates: https://www.aad.org/public/spot-skin-cancer/programs/screenings/find-a-...
by EyeYield
Fri May 11, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 60
Views: 8316

Re: Savings Bond Wizard to be eliminated 5/18

I am confused as to what this is. I have loaded all my paper bonds into the website then I saved it (data only) using the instructions they provided. Then, when I click on the file saved the next month it automatically updates on the web. I then save under a different name and do that all over agai...
by EyeYield
Sun May 06, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: DRIP (Dividend Reinvestment Plan)
Replies: 21
Views: 1730

Re: DRIP (Dividend Reinvestment Plan)

I am thinking about buying stocks, and I was wondering if a DRIP plan is good. I've never bought stocks before. The stocks I'm thinking about buying would be from big companies, like Coca-Cola, Starbucks, ExxonMobil, etc. The DRIP plan sounds so good. It automatically reinvests your dividend paymen...
by EyeYield
Wed Apr 25, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: What happened to the Dow Jones between 1966-1982?
Replies: 72
Views: 4449

Re: What happened to the Dow Jones between 1966-1982?

What happened to the Dow Jones between 1966-1982? It was the best time in history to start building a portfolio - if you were young. You got to buy at a discount for a long period of time, even if you didn’t realize it then. I bought my first shares of equities in 1964 - the DJIA closed that year at...
by EyeYield
Wed Apr 18, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15334

Re: Is Los Angeles a good place long term to live financially?

I’m thinking ...... Keep thinking, thinking is good. Make a list of the things you need to do to get to #1. Then, if you can get accepted to an MBA program and get through it successfully, you will be able to self-answer the rest of your questions. Work on communication and language skills, those a...
by EyeYield
Wed Apr 18, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15334

Re: Is Los Angeles a good place long term to live financially?

I’m thinking ...... Keep thinking, thinking is good. Make a list of the things you need to do to get to #1. Then, if you can get accepted to an MBA program and get through it successfully, you will be able to self-answer the rest of your questions. Work on communication and language skills, those a...
by EyeYield
Fri Apr 13, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Savings Bonds
Replies: 18
Views: 2195

Re: Question about Savings Bonds

1.) The $50 printed on the bond is basically a marketing gimmick by Uncle Sam, it just makes it look like you were given a bigger gift than you were. The official answer is that each EE bond has a guaranteed doubling period (currently 20 years, shorter for older bonds) so that is double the $25 pur...
by EyeYield
Mon Apr 09, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Help Me Make The Case Against Online Trading Academy
Replies: 33
Views: 2480

Re: Help Me Make The Case Against Online Trading Academy

Online Trading Academy is a business that relies on dreamers and fools to stay solvent. Try to dissuade your co-worker, or is he a friend, by over encouraging him to go beyond simply learning how to trade, to teaching others how to do it. No trading experience necessary. The franchise requirements a...
by EyeYield
Thu Apr 05, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Reinvest dividends or sweep to settlement account
Replies: 38
Views: 4791

Re: Reinvest dividends or sweep to settlement account

The other point is taxes in that it makes little sense to reinvest dividends after paying tax on them and then sell shares with more taxes to fund withdrawals or for rebalancing. Doing research on this topic because it is tax time and I'm thinking of strategies going forward. Apologies for resurrec...
by EyeYield
Wed Apr 04, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Should I get a loan for a motorcycle?
Replies: 24
Views: 1828

Re: Should I get a loan for a motorcycle?

Alexa9 wrote:
Wed Apr 04, 2018 8:32 pm
Alaska is not motorcycle country.
Alaska has some of the most sought after motorcycle roads in the country, both on and off.
by EyeYield
Wed Apr 04, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Should I get a loan for a motorcycle?
Replies: 24
Views: 1828

Re: Should I get a loan for a motorcycle?

The good thing about Alaska, for buyers, is that the riding season is short. Couple that with the fact that a great deal of motorcycle purchases are impulse buys and you will usually find used bikes with very low mileage in very good condition in cold climates. Riders may realize that they aren’t ge...
by EyeYield
Wed Mar 28, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9582

Re: How Do You Value Your Home for Net Worth Purposes?

I don’t think of my house as part of my net worth. I suppose if all my other assets were to go to zero, I would reconsider that thinking - like if I had to survive on a reverse mortgage. If I did include it in my net worth, I would value it the same way I value my stock and bond portfolio. Take toda...
by EyeYield
Wed Mar 21, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Any lawyers? Got scammed
Replies: 39
Views: 3670

Re: Any lawyers? Got scammed

Yes, try Judge Judy, if: 1) Defendant is NOT in the throes of cancer. 2) You don’t mind taking the time to go to Miami? is it. 3) You don’t mind being on national tv. Apparently you will get paid, if this is correct. “A claim can be made for up to $5,000, and the award for each judgment is paid by t...
by EyeYield
Sun Mar 18, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8742

Re: Need for Medicare supplemental plan?

First time I've ever heard of Plan "G". G is basically F with a $183 deductible. At some point, F plans will no longer be sold to new enrollees. As far as I know Plan G is exactly the same as Plan F except that F pays the part B deductible (currently $183) and G does not. A $183 per year in premium...
by EyeYield
Sun Mar 18, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 7995

Re: Incredibly sleazy Northwestern Mutual cold caller

I can appreciate the OP’s willingness to spar with a financial sales person. I will usually hang up, but sometimes I just have the time to spare or I’m bored and need the entertainment. Rather than respond to a salesperson’s pitch, I find it more entertaining to immediately begin my sales pitch for ...
by EyeYield
Sat Mar 10, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 51
Views: 6454

Re: This is not a typical medical collections issue- what to do?

OP, imo you’re getting anxious before you need to be, relax. There is no need to rush to a lawyer based on a letter you received in the mail. Dispute the debt, ask for the verification and wait. If and when you get verification, then, maybe, you can see a lawyer. You have no idea what they have, if ...
by EyeYield
Fri Mar 09, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 51
Views: 6454

Re: This is not a typical medical collections issue- what to do?

As mentioned above, send a letter disputing the debt and offer no other information, except the account numbers that they have provided on their letterhead. I went through this recently and sent a letter of dispute, but received no response. Six moths latter a different collection agency sent me the...
by EyeYield
Sat Mar 03, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 2313

Re: What are the Best Tablet to Read PDFs?

There are a many PDF apps at the Apple App Store that will let you do everything you want to do with PDF’s. Readdle make the PDF Expert, which can be bundled with the PDF Converter, or my favorite bundle, with Scanner Pro and Printer Pro. Scanner Pro lets you scan photographs, convert to PDF, then e...
by EyeYield
Thu Mar 01, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, Medigap, MA - Budget for Retirement
Replies: 12
Views: 1047

Re: Medicare, Medigap, MA - Budget for Retirement

13 years out is too far to reliably predict costs and plans. Medicare could look a lot different by then.

For currrent info look here: https://www.medicare.gov
by EyeYield
Thu Mar 01, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2610

Re: Big umbrella increase: anyone else's risen dramatically?

Just paid my annual premium in Jan - same as last year. HCOL area, clean driving record.
by EyeYield
Wed Feb 28, 2018 9:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404558

Re: U.S. stocks in freefall

These daily swings a + 30 - 40 + 45 - 40 make zero sense to me. Then stop trying to make sense of them. They don't... Nassim Nicholas Taleb and Jeremy Siegel each have cited examples that show what nonsense "explanations" of daily movements are. One day in December 2003, when Saddam Hussein was cap...
by EyeYield
Mon Feb 26, 2018 4:05 am
Forum: Investing - Theory, News & General
Topic: Goldman Sachs says...
Replies: 13
Views: 1936

Re: Goldman Sachs says...

Don’t discount what GS says, they’re currently in 104th place in the Bogleheads contest. Now what does Taz say, he/she is currently in first place.
Don’t blink, ratings subject to change.

IF Pluto is in Uranus, you MAY have problems with the family dog.
Badumpbump!
by EyeYield
Sat Feb 10, 2018 3:16 am
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4402

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

Derivative, all your answers will be questioned by going here: https://www.bogleheads.org/RecommendedReading.php For an easy introduction start here: https://www.etf.com/docs/IfYouCan.pdf If you like that, try this: http://www.amazon.com/Four-Pillars-Investing-Building-Portfolio/dp/0071747052/ref=pd...
by EyeYield
Thu Feb 08, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 21
Views: 1227

Re: Tip amount for daily newspaper delivery

I've often wondered if I'm tipping too little, so this thread may give me some perspective. I send the carrier $50 at Christmas time for good service. I am cheap. My carrier delivers the newspaper at my mailbox in a newspaper slot there, but sometimes, in the Christmas season (lots of ads), it is t...
by EyeYield
Thu Feb 08, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404558

Re: U.S. stocks in freefall

I'm deeply amused that folks on this thread seem to view this thread like the majority of folks view the stock market - paying too much attention to the noise. See these two posts and similar: I've learned a lot about many of the posters in this thread over the past couple of days. They are expert ...
by EyeYield
Thu Feb 08, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 21
Views: 1227

Re: Tip amount for daily newspaper delivery

I've often wondered if I'm tipping too little, so this thread may give me some perspective.
I send the carrier $50 at Christmas time for good service.
by EyeYield
Thu Feb 08, 2018 3:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404558

Re: U.S. stocks in freefall

I'm deeply amused that folks on this thread seem to view this thread like the majority of folks view the stock market - paying too much attention to the noise. See these two posts and similar: I've learned a lot about many of the posters in this thread over the past couple of days. They are expert ...
by EyeYield
Tue Feb 06, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404558

Re: U.S. stocks in freefall

I remember when this was my favorite thread on the BH forums. Stay the course in posting as well as investing, folks! I've learned a lot about many of the posters in this thread over the past couple of days. They are expert on identifying daily market movements, explaining why they moved and how to...
by EyeYield
Mon Feb 05, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404558

Re: U.S. stocks in freefall

Every year, the market provides us with some important lessons on prudent investment strategy. Many times, the market will offer investors remedial courses, covering lessons that it has already delivered in previous years. That’s why one of my favorite sayings is that there’s nothing new in investin...
by EyeYield
Fri Feb 02, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6900

Re: Finally going to invest, brother is FA

Wow, did not expect this many responses within such a short time. I enjoyed reading through everyone's thoughts, and I believe it is an understatement to say the community is unanimous. My brother is one of my best friends (I know, this is exactly the reason I shouldn't invest with him) so I truly ...
by EyeYield
Thu Feb 01, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6900

Re: Finally going to invest, brother is FA

A friendly, respectful way to involve your brother in your investing life would be to tell him that you think you've found a way that's best for you and ask him if he can find any problems with it. Then give him this link: https://www.bogleheads.org/wiki/Main_Page I did this once with my Fidelity ad...
by EyeYield
Thu Feb 01, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Finally going to invest, brother is FA
Replies: 89
Views: 6900

Re: Finally going to invest, brother is FA

My brother being an FA at EJ puts me in a bit of a predicament (emotionally and practically). predicament noun - A situation, especially an unpleasant, troublesome, or trying one, from which extrication is difficult. You have the power and it's your choice, so any predicament you find yourself in w...
by EyeYield
Mon Jan 29, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 96
Views: 9833

Re: Dalio says bonds have entered a bear market

One of my hobbies is checking how well the gurus who are making predictions today have done in the past, to find the folly in such predictions by showing how wrong they have been. Randomly I searched Ray Dalio 2012. The results showed that in a Forbes article dated Dec. 13 2012 he called an end to t...
by EyeYield
Thu Jan 25, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404558

Re: U.S. stocks in freefall

Be careful what you wish for ... Everyone has a plan 'til they get punched in the mouth--Mike Tyson Many people even have a plan for when they get punched in the mouth. But then the Black Swan rears it's ugly head and they get their ear bit off. Proving that you just can't plan for possibilities th...
by EyeYield
Tue Jan 16, 2018 2:05 am
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 39
Views: 4962

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

I'm so glad I got my Doctorate in Financial Astrology (DFA) and don't have to guess about future numbers; it's all known. :twisted:
by EyeYield
Mon Jan 15, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 20308

Re: Are you finding any good values at Amazon anymore?

No, lately Amazon has been 20 - 25% higher for the products I've bought. I look there first, but with minimal time spent doing price comparisons I can find much better deals.

The mass hypnosis that Amazon is always the cheapest place to shop doesn't reflect my personal experience.
by EyeYield
Mon Jan 08, 2018 1:45 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on The Aurora Report? [Arora Report]
Replies: 51
Views: 11151

Re: Any thoughts on The Aurora Report? [Arora Report]

Adding to my prior post. As A physician I found that some specialists were exceptional. Why would that not be true for market experts? I know that many do not beat the market. The investment club has used the Arora Report for a decade. This is a very long time. The club has about double the returns...
by EyeYield
Sun Jan 07, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Banks and Brokerages defend against doomsday attack
Replies: 1
Views: 522

Re: Banks and Brokerages defend against doomsday attack

I couldn't read the WSJ article, but apparently a lot about the project is secret, as it should be, but I would (possibly wrongly) assume that the big brokerages would be a part of it. An article about the Sheltered Harbor project is in today's LA Times. It states, in part: Sheltered Harbor’s member...
by EyeYield
Wed Jan 03, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1485

Re: Recommend me a backpack for business use

A relatively new company you've probably never heard of, Hylete, makes some pretty sturdy backpacks. https://www.hylete.com/backpacks I chose this one, which is pretty versatile. It separates into two packs and works great as a carry on, duffle, hand held, as well as a backpack. Check out the video ...
by EyeYield
Mon Jan 01, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 101
Views: 7045

Re: Individual Stocks That Went Bust

One of the darlings of Wall Street for decades, the company that everybody had to own, Polaroid. Many of their patents under the name Polaroid are still licensed today. I owned it. It cured me of buying stocks. I almost bought some too, but I think I went with IBM at the time, which may be added to...
by EyeYield
Mon Jan 01, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 60
Views: 8316

Re: Savings Bond Wizard to be eliminated 5/18

I am confused as to what this is. I have loaded all my paper bonds into the website then I saved it (data only) using the instructions they provided. Then, when I click on the file saved the next month it automatically updates on the web. I then save under a different name and do that all over agai...
by EyeYield
Sat Dec 30, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 101
Views: 7045

Re: Individual Stocks That Went Bust

One of the darlings of Wall Street for decades, the company that everybody had to own, Polaroid.
Many of their patents under the name Polaroid are still licensed today.
by EyeYield
Sat Dec 23, 2017 10:06 pm
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 7894

Re: Saving for the crash

I was on another forum mostly unrelated to investment, and a bunch of people were saying that they're setting aside a large amount of cash for the next big market crash (e.g., 2008). I think I know what folks will say about this plan (e.g., money not making money while you wait), but I'd love to he...
by EyeYield
Sun Dec 17, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)
Replies: 11
Views: 1274

Re: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)

If a beneficiary does not elect the 5 year rule, because Life expectancy is the default rule under VG and almost all IRA custodian's beneficiary clause, the 5 year rule is not necessarily triggered. IRS PLR <a href="tel:2008-11028">2008-11028</a> concluded that the missed LE RMDs can be made up and...
by EyeYield
Sun Dec 17, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)
Replies: 11
Views: 1274

Re: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)

Thanks to EVERYONE for correcting my understanding and to celia and livesoft for breaking it down so even I could understand it.

I'm just beginning this conversion now, to the top of my tax bracket, and will convert as much as possible before I begin my RMD's in four and a half years.
by EyeYield
Sun Dec 17, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)
Replies: 11
Views: 1274

What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)

I'm starting a Roth conversion and want my early twenties nephews to be equal co-beneficiaries. As I understand it, they will have three options. They can choose to let it grow tax free, but not contribute to it, choose to take yearly RMDs tax free or take the whole thing after 5 years tax free. Do ...
by EyeYield
Thu Dec 14, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: FIFO and withdrawals from taxable
Replies: 12
Views: 690

Re: FIFO and withdrawals from taxable

That's a big IF in the middle of fIFo, which we're not allowed to talk about.
by EyeYield
Thu Dec 14, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 7083

Re: State Farm Insurance, Time to Leave

I have had all of my insurance with State Farm for at least 30 years. Right now that is 6 cars, Homeowners, umbrella, 3 rental properties, personal articles, tractor, camping trailer, and DW's consulting business. Are you aware that a State Farm Visa card offers 3x's points when used to buy State F...
by EyeYield
Mon Dec 04, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: One answer to the Dividend stocks puzzle from behavioral finance
Replies: 184
Views: 14278

Re: One answer to the Dividend stocks puzzle from behavioral finance

To echo and perhaps even amplify triceratop's voice: We are not against dividends. We are only against misconceptions about dividends. PJW I think it is you who misunderstand dividends. A finance professor performing an academic valuation would say that keeping the cash in the company increases the...