Search found 196 matches

by Jim85
Sat May 16, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Heating Oil prices
Replies: 13
Views: 845

Re: Heating Oil prices

We look at codoil.com and shop their price around. Usually a local supplier we deal with beats the codoil.com price. About a month ago we ordered through codoil.com since no one beat their price this time around. The current price is $1.24/gal.
by Jim85
Thu Apr 30, 2020 6:46 am
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9274

Re: Anyone wish they would have invested more during recent downturn?

My allocation was off 5-6% around the low point, so re-balanced bonds into stock. This week was off 5% again and re-balanced in the other direction. Also did some TLH a few weeks ago. Can't remember the last time I had re-balanced and certainly never did twice in the span of 6 weeks or even twice in...
by Jim85
Mon Apr 20, 2020 4:28 am
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11835

Re: I'm out [of the market]

First post, only post by Talyho.....
by Jim85
Fri Apr 17, 2020 6:35 am
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 107
Views: 8424

Re: Budget Coffee

Eight O'Clock Dark Italian Espresso. I use it for coffee not espresso. Love it.
by Jim85
Wed Apr 15, 2020 6:41 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 935
Views: 175314

Re: Boglehead Beer

Current favorite Victory Cloud Walker (like a new England IPA). Others I like that are pretty widely available - Goose Island IPA, Sierra Nevada Torpedo IPA, Dogfish 60 min,Yuengling in a pinch. Many years ago Sierra Nevada Pale Ale was the one that got me hooked on Pale Ales. Still good.
by Jim85
Mon Mar 23, 2020 10:08 am
Forum: Personal Investments
Topic: Account restricted question
Replies: 7
Views: 532

Re: Account restricted question

I guess I wasn't clear. I tried to put in a order to exchange 100% of my shares in VFWAX for VTIAX today and it would not allow it. Said the account is restricted. I think I'll have to call because this doesn't seem right.
by Jim85
Mon Mar 23, 2020 9:25 am
Forum: Personal Investments
Topic: Account restricted question
Replies: 7
Views: 532

Re: Account restricted question

The sale was a loss. Although the shares I bought earlier that day had gains. Violation was trading with unsettled funds, actually I think it was that I was using the gains from the purchase earlier that day.
by Jim85
Mon Mar 23, 2020 8:11 am
Forum: Personal Investments
Topic: Account restricted question
Replies: 7
Views: 532

Account restricted question

Vanguard put my account on a 90 restricted status. I guess I know why. I had bought some additional shares of VTI early in the day and later decided I should sell all the shares (new and old) in order to TLH and exchanged for VFIAX (would not allow me to buy VOO). Don't think I ever done a same day ...
by Jim85
Tue Mar 17, 2020 5:56 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25668

Re: How much you lost/gain since Feb 20,2020 ?

Down 14% and rebalancing.
by Jim85
Sat Feb 08, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27375

Re: What is the best concert you ever witnessed?

I've seen a lot of live shows dating back to the early 70s. Springsteen 17 times, Lucinda Williams 10 times and a lot of the big acts - the Who, Eagles, ELO, Yes. But easily the best show was Jesse Winchester at the Sellersville theater (Sellersville PA) just a few years ago. I think he died within ...
by Jim85
Wed Jan 29, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: I have a question for those in early FIRE or planning on early FIRE
Replies: 81
Views: 8281

Re: I have a question for those in early FIRE or planning on early FIRE

I phased into retirement. Went to 3 days a week, for a couple years, than about 1 day a week, now fully retired since last spring. This is a typical week when not traveling, at least for 8-9 months of the year. 1. Run errands with wife, shop, maybe have lunch out 2. Play golf 3. Go to an event – con...
by Jim85
Thu Jan 23, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10276

Re: What did you do cool with your money today?

Splurged and bought a beautiful red bell pepper for about $2.50. Decided it wasn't worth stopping somewhere else (Aldi, Walmart...) where I probably could have saved $1.
by Jim85
Wed Jan 22, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Azamara Cruises
Replies: 13
Views: 1609

Re: Azamara Cruises

curmudgeon - suggest you give HAL another try for the music options. After many cruises on all the other major lines, we finally tried HAL this summer to Alaska. Celebrity had been our favorite (7 times) now HAL might have the edge. Similar food and service quality but the focus on music on HAL was ...
by Jim85
Sun Nov 17, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7282

Re: Disney plus streaming deal

If you have a Verizon cell phone plan with unlimited data, you can get Disney+ free for a year. Also if you have their 5G internet plan.
by Jim85
Wed Jul 31, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees - what's your spending like?
Replies: 36
Views: 4517

Re: Early retirees - what's your spending like?

This topic got me curious since I've been retired now for a little over a year. Looks like we spent about $70K over the last 12 months. The only significant change to our spending is I now am paying a Cobra rate for Medical insurance (about 12K/yr). There will be an additional spike there when Cobra...
by Jim85
Tue Jul 02, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new home before putting current home on the market?
Replies: 25
Views: 1744

Re: Buy new home before putting current home on the market?

My wife is very similar to yours. She wants veto power over throwing anything out. I bring her a small bin for her to approve of throwing out and it takes literally a year for her to completely go through it and even then, toys from when the kids were 3 aren't approved because "somebody could use t...
by Jim85
Tue Jul 02, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Buy new home before putting current home on the market?
Replies: 25
Views: 1744

Re: Buy new home before putting current home on the market?

Thanks for all the advice. My wife has been to a therapist. Didn't help. I could go on about the psychological aspects of this but this isn't the forum for that. Not sure she'd be open to those types of services mentioned but maybe she'd surprise me. Seems like I just may need to face the risk that ...
by Jim85
Tue Jul 02, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Buy new home before putting current home on the market?
Replies: 25
Views: 1744

Re: Buy new home before putting current home on the market?

Great responses here. I knew I came to the right place. A few of you (fittan, declamer) understand the psychology of this. And thanks watty for some of the financial mechanics. I would not do this unless she concurred and after showing her various houses I think this house was eye opening to her. I ...
by Jim85
Tue Jul 02, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Buy new home before putting current home on the market?
Replies: 25
Views: 1744

Buy new home before putting current home on the market?

Maybe someone here has been in my dilemma so I thought I’d post this. Some background - I really need to down size. I’m in a large 5 bedroom home with an acre lot and it’s just me and my wife. Kids are grown and gone. We are retired except for a little consulting (a few hours a month) that we each d...
by Jim85
Mon May 20, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Yellowstone Family Resort/Glamping Rec's
Replies: 11
Views: 1892

Re: Yellowstone Family Resort/Glamping Rec's

Not sure what falls into non-hotel and non-rustic category. In Yellowstone park there are the Lake Hotel, Mammoth Hotel and some Inns/lodges in the Old Faithful area. You should look at these to see what might fit your needs. Outside the park we stayed once at the Elephant head lodge (outside the Ea...
by Jim85
Sat Apr 13, 2019 7:17 am
Forum: Personal Investments
Topic: Are my 401k fees ridiculously high?
Replies: 32
Views: 2592

Re: Are my 401k fees ridiculously high?

My 401k (with Prudential) charges .45% annual record keeping fee charged quarterly. There are some decent Vanguard Target funds in the plan which I used. Just got hit with this fee which is getting significant now. I'm in my 60s and very part time now, but still "employed". Found out I could do an "...
by Jim85
Sat Apr 13, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9141

Re: Are Airport Lounges Worth the Money?

I have CSR and have visited various lounges with the Priority Pass. Some good, some just OK. FYI - just got the Hilton Honors Ascend AMEX (with 150K bonus points), annual fee $95. This also comes with Priority Pass but I think limited to 10 visits a year. That's enough for me. I don't think I'll ren...
by Jim85
Sat Mar 30, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 6994

Re: What to see in Philly?

I'm from the Philly suburbs. Almost anything I'd think of has been mentioned. If you like Italian food head to South Philly. I could eat there every day. Victor Cafe, FrancoLuigis (might be closed for remodel now), Villa DiRoma (no frills, mom and pop). Plenty others see Yelp or Google. If you're a ...
by Jim85
Fri Jan 18, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 3534

Re: What shelf liquor and your favorite cocktails?

Mostly a bourbon guy. Four Roses small batch and single barrel both excellent. Buffalo Trace and Makers Mark also good. On the budget side, Jim Beam Black (extra aged) is not bad and fine for a Manhattan.
by Jim85
Tue Jan 15, 2019 7:38 am
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 32444

Re: Funniest movies of all time? Name five of your favorites...

Annie Hall
Airplane
Being There
Monty Python and the Holy Grail
Sleeper

I guess I haven't seen a comedy in a long while.
by Jim85
Sun Jan 06, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 6375

Re: best cheap printer

I have a Canon imageClass B&W laser that copies and scans as well. A great move after years of awful inkjets. The "starter" toner cartridge may have lasted a year and I'm now on my first full cartridge which I've had at least 2 years. I only ever used color on the inkjets for occasional photos. Now ...
by Jim85
Tue Jan 01, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5431
Views: 1349336

Re: What Movie Have You Recently Watched?

The Mule - Always liked Eastwood but this was OK, not great. Bird Box - terrible. Can't believe I watched the whole thing but was curious about the ending. The ending was as bad as the rest. Roma - Much better than the above 2 but I thought it would be even better. From the start, I was afraid it wa...
by Jim85
Fri Dec 28, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Economy car vs Luxury - confirmation of a good decision
Replies: 29
Views: 1870

Re: Economy car vs Luxury - confirmation of a good decision

Also bought a 2018 Accord a couple months ago. Sprung for the EX-L model. Love it. A relative had bought an Acura at almost double the price I paid for the Accord. I like my car better and has some features the Acura lacks. Apple CarPlay for one. Not sure what more I'd want in a car. It's terrific. ...
by Jim85
Thu Dec 20, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 6115

Re: How much do you pay for internet only?

Verizon FIOS in Philly area. $49.99 total for 50/50. Stream YouTube TV, Netflix. 2 TVs, multiple phones, laptops, iPad. Never had an issue. Did the research and 50/50 is plenty for us, although all devices are probably rarely used simultaneously.
by Jim85
Sun Dec 16, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 22418

Re: Favorite Purchase of 2018?

Bought a 2018 Honda Accord EX-L after a couple of years pondering a new car purchase. Splurged with the upgraded trim (leather, moon roof, etc.) for the first time. Has everything I could imagine wanting in a car and drives great. I'm in my 60s and can say this may be the first car I've actually bee...
by Jim85
Sun Dec 09, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5431
Views: 1349336

Re: What Movie Have You Recently Watched?

Children of Men on Netflix. Might require viewing twice.
by Jim85
Tue Nov 13, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 7318

Re: Point and shoot camera

Bought the original RX100 a few months ago on B&H. $368. It's very nice. One thing it lacks is any kind of wifi or connection to view pictures on a larger screen, like an iPad or laptop. I like to do this when traveling to get a better idea of how the photos turned out (vs the tiny camera screen) af...
by Jim85
Tue Nov 06, 2018 10:12 am
Forum: Personal Investments
Topic: Need to liquidate $250K of investments
Replies: 5
Views: 1008

Re: Need to liquidate $250K of investments

Quite a bit of that entry fee may qualify as a medical expense, so it's possible that there will not be any tax hit from selling the securities. Talk to the staff at the facility she is entering about how much of the up front payment is deductible as a medical expense. Can you expand on this? I'm a...
by Jim85
Tue Nov 06, 2018 7:30 am
Forum: Personal Investments
Topic: Need to liquidate $250K of investments
Replies: 5
Views: 1008

Need to liquidate $250K of investments

My 86 yr old mother (in good health) is entering a Continuing Care Community with an entry fee of around $250K. She has $843K in assets. 82K cash, 94K in a 401k, 85K in an IRA, and 582K in taxable brokerage account. Asset allocation is 65 bonds+cash, 35 stock. My initial inclination is to liquidate ...
by Jim85
Wed Sep 26, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207270

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

Finished Season 2 of Ozark. Great. Not quite to the level of Breaking Bad, but what is. Billions was also great (Showtime). Waiting on season 4. Am currently watching Better Call Saul season 4. Feel the first 3 seasons were better but will no doubt keep watching. Anyone watch Westworld season 2 ? Re...
by Jim85
Tue Aug 28, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 40
Views: 3642

Re: Streaming TV services

I have Youtube TV and it's great. Has all the stations I watched on Cable. But no Bloomberg TV.
by Jim85
Wed Aug 08, 2018 7:01 am
Forum: Personal Investments
Topic: 401k rollover to Trad IRA
Replies: 2
Views: 355

401k rollover to Trad IRA

Sorry, I know there are many threads on this topic. But I can't seem to find an exact match to our situation. My wife's job has just ended (small company, owner is retiring and closing shop). We had planned to rollover her 401k to a traditional rollover IRA already established at Vanguard. We may wa...
by Jim85
Tue Jul 24, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7467

Re: Cell phone tip: block callers

The solution I use on my iPhone is pretty simple. In iOS if you turn on Do Not Disturb mode it will block all calls, however in the DND options you can set it to allow calls from anyone in your contact list even if DND is turned on. So all I did add everyone to my contact list that I would want to ...
by Jim85
Tue Jul 24, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1659

Re: Verizon streaming issues

I disabled the wifi on my Verizon modem/router and used a separate NetGear wifi router. I have 50/50 service and have never had performance issues. 2 TVs with Chromecast, 2 iPhones, an iPad and a desktop computer. Obviously not all used at the same time but definitely a few at a time. Not sure if th...
by Jim85
Mon Jul 23, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: I think it's time to cut the landline cord, how to do it?
Replies: 25
Views: 3414

Re: I think it's time to cut the landline cord, how to do it?

I did this about 6 months ago. Had Verizon Triple play (phone, cable and internet). Now only have Verizon $39 month internet only, plus YouTube TV. I ported my landline phone number to Google voice which is free and forwarded (in Google voice) all calls to our cell phones. When a call comes to our o...
by Jim85
Sun Jul 08, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 61922

Re: That Extravagant Thing You Do

I spend money on some things - dinner out, travel, golf, sporting events, concerts, etc. None of this would I consider extravagant since I don't overpay or go for the "luxury" option. Might sound nuts but I think my iPhone with data plan etc. is an extravagance. There's not much I do with it that I ...
by Jim85
Sun Jul 08, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Ireland trip
Replies: 20
Views: 1956

Re: Ireland trip

Just back from 10 days in Ireland. We rented a car and booked accommodations ourselves, a combination of standard hotel (Hilton garden Inn in Dublin), Airbnb homes and regular B&B. Had little problem driving although Google maps took us on some short cuts that ended being very rural, one car width r...
by Jim85
Mon Jul 02, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3886

Re: International Vacation Ideas

Just back from Ireland. People have tried to talk us into it for years. Finally went and loved it. Not as exotic as some of the places above but is a good time. Always pictured rolling green hills but coastal areas have much more dramatic scenery. Just have to get used to driving on the left, with a...
by Jim85
Thu May 24, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 7898

Re: Anyone using Obitalk for Google Voice?

Why do those with Google voice use Obitalk? I canceled my landline a few months ago after getting the number ported to Google voice. I intended to get Obitalk or something but then just decided to forward all calls coming into my Google voice to my cellphone. Works great.
by Jim85
Sun May 20, 2018 10:19 am
Forum: Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 4185

Re: Retiring soon - some questions

Thanks once again to all. I really do need to look closer at the whole Roth conversion value vs ACA subsidy. As some have suggested, I may be able to do some conversion and still get the subsidy. Very possible I may only use COBRA until the end of this year as it might turn out that the ACA subsidy ...
by Jim85
Fri May 18, 2018 8:24 am
Forum: Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 4185

Re: Retiring soon - some questions

Thank you all. This site is a great sounding board. Livesoft - I think I will do exactly what you suggested. Thought that muni fund wasn't right for us and definitely generating more taxable income than necessary with the MM and CDs. Most of that was my emergency fund. Thank you for the detailed res...
by Jim85
Fri May 18, 2018 6:40 am
Forum: Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 4185

Retiring soon - some questions

I’m retiring next month and have a few questions. Some background data: Age 62, married, wife also 62. Kids all on their own. No debt, house paid off (worth maybe $425K) Planned annual spending – about 85K which is about 25K higher than current spending but includes more travel and of course healthc...
by Jim85
Tue Feb 27, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 588
Views: 51581

Re: What UN-frugal thing do you do?

This is easy - Season tickets to Villanova basketball. I don't blink an eye at the annual bill and it's likely to go up quite a bit next year.
by Jim85
Thu Feb 22, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 146
Views: 21673

Re: Bogleheads with $100K+ MSRP cars?

My 2012 Ford Fusion has over 100K on it. Oops..
by Jim85
Thu Feb 22, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 2346

Re: Caribbean Cruise 1st timer Cash or Card?

On the ship you cannot use cash or credit, only your key card, which is tied to a credit card. This is setup upon boarding. I suppose you could slip some cash to staff but I wouldn't see any reason to do this. Any tip is typically put on your account. Some cash on land may be helpful in some situati...