Search found 1575 matches

by jdb
Sun Oct 13, 2019 4:30 pm
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 48
Views: 2615

Re: How often do you look at your IRA or 401K Balances

Once in mid December each year, both mine and my spouse IRA, which I “manage”. Lots better things to do with my time, just finished planting tomatoes for winter season. Good luck.
by jdb
Mon Oct 07, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5593

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

As a newbie applying for first Plan D supplement starting next week this is crazy news. My question is why bother? Why not go cold turkey and just pay out of pocket? Are prescription drug prices higher for those without insurance? My current cost quite reasonable especially using Good Rx coupons at ...
by jdb
Sun Oct 06, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Asset protection
Replies: 34
Views: 2951

Re: Asset protection

With all due respect I think you are overly worried about non issue. Not to give legal advice but in Florida a married couple can hold title to assets as tenants by the entireties and Florida law exempts such assets from a judgment creditor of only one spouse. This includes not only real estate but ...
by jdb
Thu Sep 26, 2019 5:48 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 9098

Re: Merrill Lynch Advisor wants to meet for coffee

With most of the calls coming into the house being SPAM, I stopped returning calls. Learn to say “no” is excellent advice. We unplugged all our phones about 3 years ago, letting the answering machine pick up all incoming calls. We unplugged the answering machine 2 years ago. Good to know we are not...
by jdb
Wed Sep 18, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4394

Re: Best Dog Car?

My dog liked our Datsun the best. I hear you. Our dog loved our family 1957 4 door Buick Roadmaster without air conditioning, especially on summer road trip from Wisconsin to visit family in Southern California and back along Route 66. Can you imagine how much pleasure a terrier gets riding over 40...
by jdb
Tue Sep 17, 2019 7:16 am
Forum: Investing - Theory, News & General
Topic: I hesitate to post this (the sky is falling again on BND) but...
Replies: 28
Views: 4052

Re: I hesitate to post this (the sky is falling again on BND) but...

With all due respect to the poster, I think there should be a filter or warning on this site alerting us whenever an article is cited from the nonsense internet click bait factories, Seeking Alpha, Market Watch, Motley Fool and their ilk, probably also include Forbes, to save us time so we can skip...
by jdb
Sun Sep 15, 2019 8:10 am
Forum: Investing - Theory, News & General
Topic: I hesitate to post this (the sky is falling again on BND) but...
Replies: 28
Views: 4052

Re: I hesitate to post this (the sky is falling again on BND) but...

With all due respect to the poster, I think there should be a filter or warning on this site alerting us whenever an article is cited from the nonsense internet click bait factories, Seeking Alpha, Market Watch, Motley Fool and their ilk, probably also include Forbes, to save us time so we can skip ...
by jdb
Fri Sep 13, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 3949

Re: Best Leaf Blower?

I am just going to very respectfully post a message and retract to my cave: leaf blowers belong in the seventh circle of Hell. I could not agree more. Agree as to gasoline blowers, they are an awful noisy and fume causing invention. But give us users of electric a break, much much less noisy and we...
by jdb
Fri Sep 13, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 3949

Re: Best Leaf Blower?

Have used my Stihl 85 BGA battery powered leaf blower last five years every week, would never go back to gasoline. Stihl now has upgraded to BGA 100 model. And great thing about Stihl battery tools is you can get the chainsaw, great for small jobs, pole chain pruner, use for my fruit trees, and stri...
by jdb
Wed Sep 11, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4394

Re: Best Dog Car?

Tesla with Dog Mode. As additional reassurance the screen says in large print “MY OWNER WILL BE BACK SOON”. :happy
by jdb
Mon Sep 09, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4017
Views: 1149713

Re: What Book Are You Currently Reading? Part VI

Now in a mood to read old classics again. Just finished My Antonia by Willa Cather, last read at least 10 years ago. And I enjoy these classic novels much more on second or third read. Just saw favorable reviews of new novel based on Boris Pasternak and the creation and publishing and promotion of D...
by jdb
Mon Sep 09, 2019 5:45 pm
Forum: Personal Investments
Topic: Has the bond bubble finally arrived? If so, is anyone doing anything about it?
Replies: 94
Views: 10425

Re: Has the bond bubble finally arrived? If so, is anyone doing anything about it?

Yes. Bought more IT tax free Vanguard bond fund today for taxable account. It was on my to do list for asset allocation but it is the title of threads like this which give impetus to my contrarian impulses. Good luck.
by jdb
Thu Sep 05, 2019 6:46 pm
Forum: Investing - Theory, News & General
Topic: Forbes: The Bubble That Is The S&P 500 Index
Replies: 38
Views: 7230

Re: Forbes: The Bubble That Is The S&P 500 Index

Forbes. Marketwatch.com. CNBC. Motley Fool. Bloomberg. They are all a joke. Their business model is based on click-baiting speculation and poorly edited articles. +1. Should add Seeking Alpha and Barrons and Fortune and Fox business news. In fact almost all internet and mass media business news bot...
by jdb
Thu Aug 29, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6643

Re: Purchasing a truck - thoughts?

Free anecdotal answers are worth every penny. One vote for the Chevy Colorado with crew cab, have been satisfied with vehicle past 3 years. But be sure to get the 6 cylinder. Will keep it until the Tesla truck is available. But that is another future thread. Good luck.
by jdb
Tue Aug 27, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8335

Re: Coffee becomes cold too soon

Problems abound. I have same issue with my morning coffee in my souvenir ceramic cup from the Met in NYC, too many good memories to use another. But have similar issue with my late afternoon early evening pre dinner chilled gin martini straight up in martini glass. It gets lukewarm too soon. I belie...
by jdb
Mon Aug 19, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: Treasury 2-10 year yield curve has inverted!
Replies: 115
Views: 10566

Re: Treasury 2-10 year yield curve has inverted!

gotta say, I don’t think anything good comes from watching CNBC. :wink: I have my reasons and it isn't about inverted yield curves. This just in from Bank of Amearica. The U.S. Treasury 2-10 year yield curve inverted and that means stocks are on ‘borrowed time,’ says BAML This is not unlike the wea...
by jdb
Sat Aug 17, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7609

Re: Use Vanguard MM Prime for cash rather than local bank?

It’s what we do. Cheers Me too! Have been doing this for years. No reason to have substantial monies in low or non interest bearing checking account when can get market leading money market fund yield at Vanguard and seamlessly and without cost transfer funds to checking account when needed. As lon...
by jdb
Wed Aug 14, 2019 5:38 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 27325

Re: Larry Swedroe: Small Value Stocks are Cheap

I like Larry, for bonds. But with all due respect his continued infatuation with SCV after decade of underperformance reminds me of the description of people getting married for third or fourth time, a triumph of hope over experience. Good luck.
by jdb
Wed Aug 14, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 45
Views: 3465

Re: Cutting the Cord - NFL Network?

Yes, give up watching football. You'll be glad you did after a couple of years. So much more free time :) +1. Glad to see I am not alone in cutting the cord on NFL football. Games were getting boring to me, and the collective league boycott of Colin, who I think still has lots of talent, was last s...
by jdb
Tue Aug 13, 2019 1:44 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16249

Re: [Vanguard ongoing glitches, August 12-13, 2019]

bondsr4me wrote:
Tue Aug 13, 2019 1:04 pm
UpperNwGuy wrote:
Tue Aug 13, 2019 12:49 pm
It's OK to check your account daily.
Anyone not keeping tabs on their money is irresponsible IMO.
I check my accounts everyday.
Reminds me of two of my favorite Frank Sinatra songs. “Call Me Irresponsible”. And “I Did It My Way”. Each to their own. I’m with Frank.
by jdb
Tue Aug 13, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16249

Re: [Vanguard price glitches, incorrect market info for August 12, 2019]

For a forum dedicated to long term, stay the course, ignore emotional reactions, there sure is a lot of short term, react now, raw emotion on this thread... There is zero reason to check your portfolio holdings daily. +1. I thought reading this thread that I had stumbled upon a day trade forum. But...
by jdb
Mon Aug 12, 2019 6:19 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16249

Re: Wellesley 56.05% drop today

In my opinion and with all due respect think some posters need a hobby. We have well over $1.5 million in Wellesley and Wellington in our various Vanguard accounts and until this thread was not aware of any issue. And probably would never have been aware. Will check balances in mid December to see i...
by jdb
Mon Aug 12, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Anyone been to a Kevin O'Leary event???
Replies: 22
Views: 3344

Re: Anyone been to a Kevin O'Leary event???

Never heard of him. So answer is no.
by jdb
Sun Aug 11, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10443

Re: Healthy fast food

I think most people on this thread are confusing low calorie with healthy. Just because the calories are low does not make it a desirable food. This should rule out pretty much almost all fast food which is full of chemicals and preservative. Also, diet drinks are not healthy since nutrasweet actua...
by jdb
Sat Aug 03, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 44898

Re: Talk me out of buying a Tesla Model 3

I don’t know. My service continues to be good, going on my 4th year and my charge works fine. That said, I usually go for service annually and supercharge infrequently. I did have to have my key fob reprogrammed a few months ago, and also scheduled an annual maintenance recently. Both times, Mobile...
by jdb
Thu Aug 01, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4017
Views: 1149713

Re: What Book Are You Currently Reading? Part VI

Just finished Sea Stories by Admiral William McRaven, retired. Found at Costco, bought for purpose of spending few leisurely hours, but to my surprise really enjoyed the memoir by the former top ranking special operations officer in US military. The book is not great literature, it consists of short...
by jdb
Thu Aug 01, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 44898

Re: Talk me out of buying a Tesla Model 3

Congratulations 4nursebee! I am happy for you. May you have many years of enjoyment. I am also a little jealous and curious about the new Sentry camera feature not on our older Teslas.
by jdb
Wed Jul 31, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Burned the mortgage. Change the insurance?
Replies: 27
Views: 1998

Re: Burned the mortgage. Change the insurance?

Congratulations. We live in South Florida, after paying off mortgage a number of years ago we dropped high deductible windstorm coverage, later dropped flood insurance, both of which were of course required by our mortgage. Good luck.
by jdb
Wed Jul 31, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: When one of them die, does the mortgage become due for total pay-off of loan ???
Replies: 3
Views: 596

Re: When one of them die, does the mortgage become due for total pay-off of loan ???

Depends on the terms of the specific mortgage whether death of one of joint obligors is event of default.
by jdb
Wed Jul 31, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Recurring QCDs?
Replies: 7
Views: 713

Re: Recurring QCDs?

You may be making this too complicated. I do recurring QCDs to same charities without any telephone calls. Have form in my Vanguard message box asking for amount of donation and payee etc, takes me a few minutes at most to fill out and click send, within few days magically get QCD check in mail from...
by jdb
Thu Jul 25, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4017
Views: 1149713

Re: What Book Are You Currently Reading? Part VI

Just finished Underland, A Deep Time Journey, by Robert McFarlane. A book unlike any that I have ever read. The author is an English mountaineer and caver. This book is not about mountains. It is about the exploration of the world beneath our feet, the catacombs of Paris, the black underground river...
by jdb
Thu Jul 25, 2019 2:44 pm
Forum: Personal Investments
Topic: specific investments when market crashes
Replies: 38
Views: 4091

Re: specific investments when market crashes

Sure. But the point isn't just taxes but that the taxes come from somewhere. If it is from cash..then the same cash could have been used to byy more cheap assets ...so conversion isn't adding more value more so keeping it the same. We can’t change the past but should consider the future and that ta...
by jdb
Mon Jul 22, 2019 3:07 pm
Forum: Personal Investments
Topic: Bonds: all munis in taxable account?
Replies: 18
Views: 1682

Re: Bonds: all munis in taxable account?

Yes. Good idea. I do the same. I am recently retired but still in highest tax bracket as will be for foreseeable future and have been allocating all fixed income in taxable accounts with muni bonds for many years. I divide amongst Vanguard short term, Vanguard intermediate term and Vanguard long ter...
by jdb
Fri Jul 19, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 3747

Re: Apple Watch Worth The $$$?

Two months ago I would have said yes. I had the series one from first day available and the series 3. Wore every day and enjoyed. But then watch stopped working right so took it off and planned to make appt at Apple store for repairs, two weeks went by and never got around to making appointment. And...
by jdb
Wed Jul 17, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 44898

Re: Talk me out of buying a Tesla Model 3

Feels worse than a dealer to me. You haven't encountered any bad dealers then. 10 Things you won't see buying Tesla: 1) How much can you afford per month? 2) What can I do to get you into this car today? 3) Gotta have that Tru Coat! 4) $800 "document fee" 5) $300 for nitrogen in the tires 6) $5,000...
by jdb
Wed Jul 17, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 44898

Re: Talk me out of buying a Tesla Model 3

https://cleantechnica.com/2019/07/10/tesla-model-3-awarded-2019-car-of-the-year-by-uks-auto-express-reflections-on-uk-media-coverage/ Interesting worthwhile current event article. Also interesting is question po sed why US media mostly anti Tesla while European press mostly laudatory. I do suspect ...
by jdb
Tue Jul 16, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1014
Views: 209056

Re: Tesla S

https://www.motortrend.com/news/2013-te ... -the-year/
Current article worth reading. As a very satisfied owner of a 2013 model S now with 80K miles could not agree more. A great vehicle produced by innovative American company. Good luck.
by jdb
Tue Jul 16, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 44898

Re: Talk me out of buying a Tesla Model 3

https://cleantechnica.com/2019/07/10/tesla-model-3-awarded-2019-car-of-the-year-by-uks-auto-express-reflections-on-uk-media-coverage/ Interesting worthwhile current event article. Also interesting is question posed why US media mostly anti Tesla while European press mostly laudatory. I do suspect oi...
by jdb
Wed Jul 10, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2605

Re: Grill Mat

I like using my cast iron pan or griddle for these applications. What's the benefit of a mat over a big chunk of solid iron? Agreed. Get a La Plancha cast iron pan which fits your grill. Will almost never use regular grill again. Makes great steak and burgers without drying out, same for salmon and...
by jdb
Tue Jul 09, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4017
Views: 1149713

Re: What Book Are You Currently Reading? Part VI

Had one of those first world existential problems on Sunday. Facing a 3 hour afternoon flight, already read Sunday NYT, no reading material, option was to talk with wife for 3 hours. So stopped at airport newsstand. All junk but then I saw a book I had heard favorable reviews, A Gentleman In Moscow ...
by jdb
Fri Jul 05, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 44898

Re: Talk me out of buying a Tesla Model 3

My question for owners: does the novelty of the crazy acceleration wear off? I was hoping for red lights so I could stomp on it! IWt never got old after a half-week rental. The acceleration NEVER gets old. It spoils you. In fact, if you drive a gasoline car you’ll be shocked at how primitive, unref...
by jdb
Wed Jul 03, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4017
Views: 1149713

Re: What Book Are You Currently Reading? Part VI

Appropriate that on the eve of July 4 finished reading The British Are Coming, The War For America, Lexington To Princeton, 1775-1777 by Rick Atkinson. I had enjoyed the author’s trilogy on the Second World War, this was every bit as good. This is what is known as popular history, for us non histori...
by jdb
Fri Jun 21, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4017
Views: 1149713

Re: What Book Are You Currently Reading? Part VI

Just finished the best book I have read this year, published over 45 years ago, The Tree Where Man Was Born by Peter Matthiessen, with photographs by Eliot Porter entitled The African Experience. Was invited by local Audubon Society to estate book sale of deceased couple who had been active in the o...
by jdb
Wed Jun 12, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?
Replies: 27
Views: 1997

Re: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?

Been there done that. South Florida 40 years a quarter mile from Biscayne Bay. Hurricane Andrew did $80K damage covered by our State Farm windstorm. Now that was a storm. But the insurance companies got smart and raised windstorm premiums and deductibles, at least for those of us on the coasts. We p...
by jdb
Thu Jun 06, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is IRA check writing a security risk?
Replies: 13
Views: 1050

Re: Is IRA check writing a security risk?

As a victim of check fraud on a regular bank checking account it is my opinion that anytime you send a check there is the possibility of someone copying the information and doing check fraud. After all each check contains your name, address, checking account number and routing number. But probably h...
by jdb
Thu Jun 06, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: How to pay electrician
Replies: 38
Views: 3623

Re: How to pay electrician

Every home owner needs a good plumber and a good electrician. Just like every car owner needs good mechanic. Took us years to find good plumber and good electrician. Gave up on good mechanic, bought Tesla vehicles which don’t need one. I would
pay the $200 without second thought. Good luck.
by jdb
Wed Jun 05, 2019 5:41 pm
Forum: Personal Investments
Topic: Bond Ladder Managed Account
Replies: 41
Views: 2775

Re: Bond Ladder Managed Account

I suspect that the low coupon long terms were purchased at a discount so your YTM is larger than coupon, worth investigating. I second the opinion to retain the bonds till maturity or redemption. And as a side note, unless non callable it is surprising to me how often long term bonds are called, des...
by jdb
Wed Jun 05, 2019 4:41 pm
Forum: Personal Investments
Topic: Problem at Vanguard?
Replies: 42
Views: 5446

Re: Problem at Vanguard?

Re: Taylor Larimore response to OP in the thread. The OP asked what would be a reasonable question anywhere in the world except here. Here the orthodoxy is so powerful that the "Dean of the bogleheads" calls the guys reasonable behavior " mind boggling" and it isn't even considered rude or hostile....
by jdb
Tue Jun 04, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4017
Views: 1149713

Re: What Book Are You Currently Reading? Part VI

Just finished Endeavour, The Ship That Changed the World, by Peter Moore. A fascinating account of the circumnavigation by Captain Cook but focused in part on the ship itself. Everyone knows the story, the voyage to Tahiti, charting of the Society Islands and New Zealand with assistance of a Polynes...
by jdb
Wed May 29, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Blackbird Problem
Replies: 11
Views: 965

Re: Blackbird Problem

coalcracker wrote:
Wed May 29, 2019 5:42 pm
Be careful antagonizing crows (if that's what they are). They can hold a grudge:

http://blogs.discovermagazine.com/80bea ... O8KX3tKhhE
Yes, 50 plus years later those crows still hate me. 😎