Search found 1338 matches

by jdb
Tue May 22, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: If RMD are large should you still defer into 401k
Replies: 32
Views: 2816

Re: If RMD are large should you still defer into 401k

Not sure why anyone would object to large RMD. Sounds to me like a good situation. If don’t need the distribution or don’t want to pay any taxes on RMD do a QCD to local charity for the portion don’t need or don’t want to pay taxes on. That is what I plan to do in three months, and with an RMD appro...
by jdb
Tue May 22, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: If RMD are large should you still defer into 401k
Replies: 32
Views: 2816

Re: If RMD are large should you still defer into 401k

max 401k pre-ax to your next tax bracket if it is not 35%. If you are into higher tax bracket, then max pre-tax. If you projected RMD is too big, good news for you, you can retire earlier and using the gap years to do Roth conversion till you start to withdraw SS and pension. You can also do a one ...
by jdb
Thu May 17, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2523

Re: What would you do? takes 6 months to fix a Tesla Model S

:confused [OT comment removed by moderator prudent] We have owned a Tesla Model S now going on 6 years and it has had a few collisions, ... I'm trying to imagine owning a Tesla (or any car) and colliding in it "a few" times over 6 years. :shock: Me too. I have been driving for 65 years with only on...
by jdb
Thu May 17, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2523

Re: What would you do? takes 6 months to fix a Tesla Model S

[OT comment removed by moderator prudent] We have owned a Tesla Model S now going on 6 years and it has had a few collisions, been to the local Tesla authorized body shop in Florida each time. Never took more than a few weeks, less than my infamous Audi A8 which took months for the aluminum roof pa...
by jdb
Thu May 10, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6940

Re: Gold ball cracked my house window. Do I have any recourse?

When looking for a new house a couple years ago, there were some new homes in our price range on a golf course. I thought, oh, that would be great! Then, I researched it and found out folks play golf on those courses, hit golf balls that hit the houses, hit windows, hit people, walk by or in your y...
by jdb
Wed May 09, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6940

Re: Gold ball cracked my house window. Do I have any recourse?

Not legal advice. A golfer generally only responsible for damages when his or her golf ball goes where it is reasonably supposed to go and causes damage. Think of a golfer hitting to par 3 green while other golfers still on green and causing personal injury. But truly errant shots are considered par...
by jdb
Wed May 09, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 38
Views: 2724

Re: What is your favorite reasonably priced Rum?

Good to see these important old threads revived. Just bought a bottle of El Dorado 15 Reserve from Guyana (has anyone ever actually visited Guyana) for my monthly Costco hamburger/cigars/whisky/rum lunch fiesta with the guys tomorrow. That is good sipping rum, ranks right up with the Barbancout 15. ...
by jdb
Mon May 07, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Fidelity Employees Fired After Alleged Misuse of Reimbursement Programs
Replies: 32
Views: 4421

Re: WSJ--Fidelity Employees Fired After Alleged Misuse of Reimbursement Programs

This may say something about the culture at that place. More importantly says something to me about general level of ethics and intelligence. Who is stupid enough to sacrifice employment for getting an undeserved $2K reimbursement. Apparently many worked in the brokerage unit. I have always had sus...
by jdb
Sat May 05, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: One space or two ...
Replies: 18
Views: 1419

Re: One space or two ...

vested1 wrote:
Sat May 05, 2018 6:26 pm
Andthentherearetheoddindividualswhorefusetouseany!
Veryfunny.
by jdb
Mon Apr 30, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 2936

Re: Avocado Timing

My avocado trees are starting to fruit but will be a couple months before harvest. But have been spoiled with home grown, no longer buy the small Mexicans at grocery store. Suggest guacamole at Costco, good stuff and saves some work. Good luck.
by jdb
Sun Apr 29, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 1976

Re: My first week of cycling in Slovenia and Croatia

Great post. Made me want to take up bicycle touring. But I probably need an electric booster motor. Thanks.
by jdb
Fri Apr 27, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2771

Re: Ikea Quality

At any rate don’t forget to buy the items I love at IKEA, Swedish meatballs and lingonberry jam and gravlax and smoked herring, worth a trip just for those. Good luck.
by jdb
Fri Apr 27, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 942
Views: 73633

Re: To take or not to take delivery of Tesla 3

No matter what the autosteer disclaimer says, that tesla MX didn't do what the website claims it would do. And that guy died. I haven't cancelled my reservation. For now I'm sitting on it. I will admit that I was really really looking forward to owning an TM3, and a big part of me still wants one e...
by jdb
Sun Apr 22, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone in high bracket using short or Ltd. term muni for EF?
Replies: 19
Views: 866

Re: Anyone in high bracket using short or Ltd. term muni for EF?

Yes, use the Vanguard short term muni bond fund for all our cash equivalents, including EF. Have done so for a few years, keep our bank checking account which we use to pay most bills via online billpay with only enough to cover immediate expenses and when need additional funds do ACH transfers fro...
by jdb
Sun Apr 22, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone in high bracket using short or Ltd. term muni for EF?
Replies: 19
Views: 866

Re: Anyone in high bracket using short or Ltd. term muni for EF?

Yes, use the Vanguard short term muni bond fund for all our cash equivalents, including EF. Have done so for a few years, keep our bank checking account which we use to pay most bills via online billpay with only enough to cover immediate expenses and when need additional funds do ACH transfers from...
by jdb
Sat Apr 21, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7068

Re: Help me explain why pre-tax investing can help when retiring in same bracket

It’s possible that someone could get to the point late in life where RMD’s push them into a high marginal rate, but if someone has that level of assets, I’m just not that worried about their ability to pay taxes. You and me think that way but that is only because either we will not be affected or w...
by jdb
Fri Apr 20, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7068

Re: Help me explain why pre-tax investing can help when retiring in same bracket

Interesting discussion. Then let me add note about QCDs in traditional taxable RMD withdrawals. Didn’t pay tax (actually deferred the tax) on the contributions. And will not be taxed on the withdrawal to extent qualify as QCD. In my opinion that is a good argument for the traditional IRA or 401(k) i...
by jdb
Thu Apr 19, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 942
Views: 73633

Re: To take or not to take delivery of Tesla 3

I saw a Model 3 in the parking lot at the golf course this afternoon. Looked great. A bit bigger than I thought it would be. I was impressed. Very impressive from DanMahowny who is not a Tesla fan far as I can figure. I have never seen Model 3 in person. I think Dan should do a test drive and repor...
by jdb
Mon Apr 16, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3026
Views: 931935

Re: What Book Are You Currently Reading? Part VI

https://www.amazon.com/Fate-Rome-Climate-Disease-Princeton/dp/0691166838/ref=sr_1_1?ie=UTF8&qid=1521545261&sr=8-1&keywords=climate+change+roman+empire The Fate of Rome: Climate, Disease, and the End of an Empire (The Princeton History of the Ancient World) by Kyle Harper This is an amazing book. Ne...
by jdb
Mon Apr 16, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 942
Views: 73633

Re: To take or not to take delivery of Tesla 3

10 days ago I got my M3 configuration invitation. However, tesla's reaction to the deadly March autopilot MX crash has dampened my enthusiasm and I'm wondering what yall think about this. I was very dissapointed in their response. I wanted a response similar to the deadly autopilot MS crash in FL i...
by jdb
Sun Apr 15, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Max % of tax exempt bonds in portfolio?
Replies: 10
Views: 834

Re: Max % of tax exempt bonds in portfolio?

We are in a tax rate above 30 percent, and 100 percent of our taxable fixed income allocation is in muni bonds, a combination of individual muni bond laddder and Vanguard Short term, Intermediate term and Long term muni bond funds in a 2:1:1 ratio. Works for us. Good luck.
by jdb
Thu Apr 12, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Men's Boxer briefs without brand/embossing
Replies: 10
Views: 1154

Re: Men's Boxer briefs without brand/embossing

OK, someone had to ask, might as well be me. Why do you care? No one has ever mentioned labels on my boxer briefs. Just curious.
by jdb
Thu Apr 12, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 8862

Re: 2-year AA Munis at Vanguard and Fidelity Today

Great to see Larry commenting again. His bond buying advice on this forum and in his books were invaluable to me in building a muni bond ladder a few years ago. Good to see your comments.
by jdb
Mon Apr 09, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Persian Rug Passed Down From Grandmother
Replies: 28
Views: 2233

Re: Persian Rug Passed Down From Grandmother

I am no Persian Rug expert though we have a bunch of very nice oriental rugs purchased in Turkey and India and China, which we probably overpaid for, all in high traffic areas of house. Persian rugs are generally designed for foot traffic, my advice is put it in high traffic area and enjoy it. Good ...
by jdb
Mon Apr 09, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3798

Re: Active Adult Retirement Communities

My parents have lived in Sun City Grand for about 15 years and I have visited many times. It is top notch and they are very happy there. If you understand the culture and community and want that lifestyle it is great. You have have to like the life style though. My wife doesn’t like it all. It kind...
by jdb
Mon Apr 09, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3312

Re: Anyone tried a sunrise alarm clock?

We have a natural sunrise alarm, large glass french doors fronting our second story bedroom balcony and facing due east toward the rising sun, with nothing between them and the horizon, and we have no window coverings. Almost impossible to sleep past early sunrise. Good luck.
by jdb
Mon Apr 09, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4409

Re: New Lexus LS or Tesla Model S

Love all criticisms os Tesla interior by those who do not own the vehicle. We have two, and have owned full panoply of luxury German, Japanese and American luxury cars and find the somewhat minimalist Tesla interiors very comfortable and more to our liking. But really no comparison in driving. Answe...
by jdb
Mon Apr 09, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 4907

Re: If you want an actively managed fund, which one would you use?

Wellesley in tax deferred. I have Vanguard Primecap in both taxable and tax deferred, add the maximum $25K to each account every year. Good luck.
by jdb
Sun Apr 08, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4409

Re: New Lexus LS or Tesla Model S

We owned a Lexus LS 460 for almost 8 years. In our late 60’s. It was my wife’s daily driver. No complaints other than expensive annual maintenance costs, especially after warranty expired, and a rather boring albeit very comfortable ride. Problem was that driving it made us feel our age (I think we ...
by jdb
Tue Apr 03, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 942
Views: 73633

Re: To take or not to take delivery of Tesla 3

As a model 3 reservation holder (actually 2 reservations) started reading this overly long thread recently. But query: if poster does not have a Model 3 reservation why hijack this thread in order to bash the company? Should be limited to responses of those who actually have Model 3 reservations and...
by jdb
Tue Apr 03, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Travel to Dominican Republic
Replies: 17
Views: 1535

Re: Travel to Dominican Republic

Buy a bottle of Havana Club 7 year rum and if like cigars a box of Cuban Cohiba and enjoy with friends when return. Good luck.
by jdb
Mon Apr 02, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 942
Views: 73633

Re: To take or not to take delivery of Tesla 3

Also looking forward to installing Tesla solar roof on our house with garage storage battery so can get off the electric grid. Please let us know how it goes with off-grid and EV combination. Wow, am impressed with your research. Like many other things in life I know what I want but not quite sure ...
by jdb
Sun Apr 01, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 10908

Re: “We’re not making enough money off you”

I think I would look at the Groucho Marx solution, just as he switched Doctors when he was told to give up wine, women, and song; your Father-In-Law ought to change brokers. Total digression but thanks for the Groucho Marx quote, he is one of my favorites. Other quote I like is an interview during ...
by jdb
Sun Apr 01, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 942
Views: 73633

Re: To take or not to take delivery of Tesla 3

Also, my insurance agent says his company will not write a collision policy on a Tesla. WHAT???? Would current Tesla owner comment on this please??? Uh, FUD (Fear, Uncertainty, Dread). It’s either nonsense, or time to get a new insurance company. ETA: in case it doesn’t go without saying, my Tesla ...
by jdb
Sun Apr 01, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 942
Views: 73633

Re: To take or not to take delivery of Tesla 3

OK, what taxpayer subsidy? I keep hearing this and it is beginning to seriously annoy me. What does Tesla get? They had one loan guaranty and paid it off 9 years early with full interest. Other than that they have received nothing. They did get a tax forgiveness for putting the Giga factory in Neva...
by jdb
Fri Mar 30, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144824

Re: Boglehead Beer

Unless you live in or visit south Florida probably won’t be able to find my favorite craft beer. Pop’s Porter from Wynwood Brewing Company, a Miami craft brewer. Better than Guinness. Great with a cigar. Good luck.
by jdb
Thu Mar 29, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Lowest Fees Donor Advised Fund?
Replies: 11
Views: 661

Re: Lowest Fees Donor Advised Fund?

Does a contribution from a RMD to a Donor Advised Fund qualify as a QCD even though the contribution would not be allocated to a specific charity until a subsequent year? In other words can one make a lump RMD contribution to a Donor Advised Fund and count it all as QCD even though the monies stay w...
by jdb
Wed Mar 28, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 8173

Re: Thinking of getting an Apple Watch

Have to admit I get tempted by the beautiful watch ads to go to my safe deposit box and retrieve my fancy Audemars Swiss watch. Even after 3 years of wearing an Apple Watch. But then I need to use the find iPhone feature twice in one day to figure out where last left my iPhone and as another poster ...
by jdb
Wed Mar 28, 2018 4:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 18689

Re: A lot of heavy hitters this morning

[ There are also the cases where people get accused of outright lying or trolling. I called out a VERY likely insurance troll on a Whole Life post yesterday. They created an account at 1:55pm yesterday and posted a very long diatribe on why Whole Life was good as an investment at 2:56pm on a post f...
by jdb
Tue Mar 27, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 68
Views: 7644

Re: So... What bond fund or bond-like instrument do you use?

Recently retired though wife still working full time. 70 percent of our portfolio in fixed income. Taxable (for better or worse we are in highest tax bracket and will probably remain above 30% rate during retirement) is individual muni bond ladder plus combination of Vanguard short term, Intermediat...
by jdb
Mon Mar 26, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Hobby Property for "tinkering"
Replies: 14
Views: 1969

Re: Hobby Property for "tinkering"

If a hobby not business do not need that much land, provided property is fertile with good drainage and sun exposure. My father retired to five sunny and well drained acres in northern Wisconsin where enjoyed great garden and planted lots of maples and beautiful blue spruce trees and his hobby of ra...
by jdb
Fri Mar 23, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 5529

Re: Costco Kirkland Brand Liquor

I don’t drink hard liquor other than occasional rum so can only give anecdotal advice. Bought Kirkland Bourbon to serve to guests, one of my bourbon drinking friends grimaced when sipping and said best as a mixer, apparently packs quite a kick. Costco does sell name brand bourbons at decent prices. ...
by jdb
Wed Mar 21, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 35
Views: 2925

Re: Most Effective Rat Poison

Get a screech owl house and put it in nearby tree. We have had families of screech owls living in our screech owl houses past few years and no rat or mice problems. Plus they are cute to watch. Only time I tried a rat trap caught a juvenile skunk by its paw. Never again. Good luck.
by jdb
Wed Mar 21, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 1353

Re: Outdoor Blower

If you want top of the line with most power (and also quietest) but also most expensive then Stihl BGA 85 is the one. Have used weekly throughout year. Lots of power and lasts long on one charge. Problem is also need to buy expensive battery and charger. I justified by also buying the battery chains...
by jdb
Tue Mar 20, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9552

Re: Maybe Ramsey is right

This is not intended as an anti DR rant. Never heard of the guy before this forum. Never listened to him and after reading commentary never will listen to him. Instead it is a plea to leave him out of threads on this site. There must be other Internet forums where readers are happy to gain his insig...
by jdb
Tue Mar 20, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is buying $50,000 worth of TSLA at this time advisable?
Replies: 46
Views: 3591

Re: Is buying $50,000 worth of TSLA at this time advisable?

You guys shouldn’t encourage bad behavior by responding to a troll post.
by jdb
Tue Mar 20, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Any recommendation on non-leather dress shoes?
Replies: 16
Views: 1007

Re: Any recommendation on non-leather dress shoes?

Allbirds. 100% merino wool and very comfortable. Those are great in the Silicon Valley and Mountain View type tech sectors. My wife has a pair and they look like very nice dress sneakers. Would not go over well in Wall Street or Main Street for dress shoes. Non leather dress shoes is an oxymoron. S...
by jdb
Tue Mar 20, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is buying $50,000 worth of TSLA at this time advisable?
Replies: 46
Views: 3591

Re: Is buying $50,000 worth of TSLA at this time advisable?

I suspect this is a troll. Probably a Tesla short looking to get some negative comments. Certainly someone in wrong forum.
by jdb
Sun Mar 18, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Global Wellesley Fund Pays First Quarter Dividend
Replies: 2
Views: 1176

Re: Vanguard Global Wellesley Fund Pays First Quarter Dividend

I invested in Admiral shares in both my and my wife’s IRA last year, recently doubled down on investment. Monies came from Wellesley accounts. Am long term investor, have held Wellesley accounts for over 10 years and don’t pay attention to distributions except annually at year end, same with new fun...
by jdb
Sun Mar 18, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Quiet vehicle for two cats
Replies: 15
Views: 1061

Re: Quiet vehicle for two cats

I was going to recommend flying on United and taking the cats with you but Squeaky would probably end up in Japan and Buttercup in the overhead bin. Maybe a Ford Crown Victoria or Olds 88? Good luck.