Search found 73 matches

by coacher
Mon Aug 26, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 2717

Re: Tax Aid Volunteering for AARP or VITA

No direct experience but have known people who have done both. My understanding is that the training requirements for AARP program are a bit more time consuming vs. VITA because of the exposure to a wider spectrum of income levels. However this is somewhat mitigated by not taking on returns that are...
by coacher
Mon Aug 12, 2019 5:34 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16205

Re: [Why did my fund suddenly drop in value?]

Just called them re: the alleged drop of 40-60% in many of the balanced funds (Wellesley, Target Retirement Income, etc.) today. They said they are "working on it." Apparently several clients have called to be walked off the ledge.
by coacher
Sun Mar 10, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: My name is _____, & I am a MARKET TIMER.
Replies: 109
Views: 7926

Re: My name is _____, & I am a MARKET TIMER.

My name is ____, & I am a MARKET TIMER. I know that market timing is futile, but I keep sliding back into in. I think I’m no longer market timing, but find myself back to it, again & again. Is there an AA group for market timers like myself? Is there a CURE? :? Don't fret as long as you are being h...
by coacher
Tue Feb 12, 2019 12:49 am
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5893

Re: Best ways to provide STRUCTURE to retired life

Find two TV shows that you like that are on daily; one in the AM and one in the PM. Get in the habit of watching them. The TV networks then become your scheduler. You now have a basic structure and the rest of your time will fill up naturally. Enjoy!
by coacher
Sat Feb 02, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 155
Views: 11564

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

One of my children is a professional dog walker in a densely populated metropolitan area as well as a part time vet tech. I showed her this thread and quote her advice as follows: "Kudos to you for your desire to put your best friend first. He needs companionship and exercise at shorter intervals th...
by coacher
Mon Jan 28, 2019 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Career Decision - Asking for help.
Replies: 30
Views: 3012

Re: Career Decision - Asking for help.

I suggest engaging with the recruiters, going on interviews, and hopefully getting some job offers. No need to feel guilty about that, right? You need some tangible opportunities to compare with your present situation. Then you will have the clarity, data, and leverage in order to make the best deci...
by coacher
Sun Jan 27, 2019 8:28 am
Forum: Personal Investments
Topic: Sell the business or stay the course?
Replies: 42
Views: 2998

Re: Sell the business or stay the course?

Are any of your kids involved in the business? If that would be the case I’m wondering if passing it down to them over time might be a consideration in your long term family plan.
by coacher
Sun Jan 20, 2019 11:19 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 7167

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I was fortunate to be able to attend the Super Bowl in New Orleans 6 years ago. Great game and great fun, but from a football purist perspective the environment was far less exciting than if I had been at a playoff game at one of the teams' home venues. I won the tickets from a local radio sports ta...
by coacher
Wed Jan 02, 2019 10:43 pm
Forum: Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6458

Re: Delaying retirement just to help adult children

I do understand this mindset - i.e., being somewhat pessimistic about future opportunities for kids' wealth building due to profession choices and skepticism about the future investment climate. I am also inferring from the OP's post that the "kids" are not spoiled and don't squander; it's just that...
by coacher
Thu Oct 25, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Seeking temporary health insurance in Chicago
Replies: 17
Views: 1107

Re: Seeking temporary health insurance in Chicago

Thanks all appreciate the guidance. Cobra no longer an option. Will look into the online options mentioned. FInding out that the big companies there tend to use Blue Cross (doubt they would offer anything cost effective for the individual).
by coacher
Thu Oct 25, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Seeking temporary health insurance in Chicago
Replies: 17
Views: 1107

Seeking temporary health insurance in Chicago

Trying to help a friend who is in between jobs to identify quality and cost effective health insurance in Chicago until he secures his next position with benefits. 33 years old, good health, no dependents. Recommendations are appreciated. Thank you.
by coacher
Sun Jun 24, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 14041

Re: When did you start flying business class?

I have found that as long as my spouse is sitting next to me, a prescription sleep aid in coach will make long flights as bearable as business class at a small fraction of the cost.
by coacher
Tue Nov 21, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 13798

Re: What are the things you want to do between 55 and 65?

Applause to those of you who are deciding to "front load" your bucket list with adventures that are physically demanding. Besides the natural slowdown that comes with aging (notwithstanding habits that mitigate this - exercise, diet, etc.), a common reality those in this age group face is the slower...
by coacher
Tue Oct 31, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 50
Views: 5929

Re: Pet insurance?

Thinking of investigating vet insurance quotes for our Golden Retriever (now 5 1/2 years old), since our 3 previous Goldens started with their health issues at age 6 and I would like to limit large (>$1K) outlays. Our first lived until 12; we purchased VPI for her and essentially broke even at the e...
by coacher
Sat Oct 07, 2017 1:05 pm
Forum: Personal Investments
Topic: Using "Bear" Funds In Lieu of Taxable Reallocation
Replies: 8
Views: 1054

Re: Using "Bear" Funds In Lieu of Taxable Reallocation

I happened to employ this strategy (using Rydex funds) during the 07-08. It worked out for me then but I don't think I would do it again. You need to deal with the high expense ratios, the decision of when to sell the stock market inverse funds (and pay THOSE capital gains, if it works out), and inc...
by coacher
Fri Aug 18, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 9776

Re: popcorn ceiling, removal or drywall over it?

Get some estimates from reputable contractors - the good ones will be able to talk through the options intelligently by examining the situation. We had our popcorn ceilings tested, scraped, spackled, and primed professionally and then I did the painting and cleanup. Saved $$ doing this as I'm long o...
by coacher
Fri May 26, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 74
Views: 13668

Re: Should I drink or sell my Pappy 12 year?

Depends on your objectives. What is your target asset allocation in relation to your current holdings? If you are underweight fixed income and overweight bourbon then sell, if the opposite then drink it. If neither then hold as there would be no compelling reason at this time to re-balance.
by coacher
Sat Mar 25, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Hussman doesn't view me an a true investor
Replies: 20
Views: 2854

Hussman doesn't view me an a true investor

Below is from his latest commentary (implying that from a valuation perspective risk free treasuries will beat the S&P now on a long term buy and hold scenario). I respect the guy's intelligence and enjoy his doomsday writings (for entertainment). I guess I will respect his advice below and no longe...
by coacher
Tue Feb 21, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 10944

Re: Which puppy to buy: golden retriever or labrador retriever?

We've had four goldens. All different personalities and energy levels, but all wonderful. Got two as puppies, two as 2-year olds. Definitely an advantage to get a 1-2 year old in terms of assessing fit for your home. Here is a case where past performance is normally indicative of future results. Goo...
by coacher
Tue Jan 24, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 60
Views: 5938

Re: Alaska cruise - Help me convince my family

Highly recommend you go. We are animal lovers and so our excursion (we took Holland America) to ride (and play with) the sled dogs in Juneau was the top highlight. The only thing that rivaled it was swimming with the dolphins in the Caribbean!
by coacher
Mon Jan 16, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Medical Alert System
Replies: 20
Views: 2288

Re: Medical Alert System

I'm in the process of shopping around for a medical alert system on behalf of an elderly relative living alone and wondering if anyone has good/bad experiences to share on any specific providers as an update to this original question. Thanks!
by coacher
Fri Dec 16, 2016 11:08 am
Forum: Investing - Theory, News & General
Topic: What do you think is in more of a bubble right now?
Replies: 57
Views: 8083

Re: What do you think is in more of a bubble right now?

- Executive, Investment Banking, and Pro Athlete salaries/bonuses
- Tweets
- Top ten lists
- Pop-ups
by coacher
Sun Nov 20, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: Thoughts on Ray Dalio's "All Weather Portfolio?"
Replies: 17
Views: 11989

Re: Thoughts on Ray Dalio's "All Weather Portfolio?"

http://www.businessinsider.com/ray-dali ... cy-2016-11

Does the above indicate a recommended "climate" tweak to this portfolio (more U.S. stocks, less bonds, more commodities, etc.)?
by coacher
Sun Sep 25, 2016 9:28 am
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 4453

Re: Selling in October

"Sell in October, buy back in when you're sober"?
by coacher
Tue May 24, 2016 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Whole Life using your RMD
Replies: 28
Views: 3574

Re: Buying Whole Life using your RMD

I happen to know the host of the show. He is a disciple of Ed Slott (discussed in this forum before) and has similar views as Ed regarding the "benefits" of whole life as a valuable part of one's portfolio for the purpose of leaving tax free money to heirs. I think he often positions this as a way t...
by coacher
Sun Apr 03, 2016 7:52 pm
Forum: Personal Investments
Topic: 1099-R and State Taxes
Replies: 1
Views: 356

Re: 1099-R and State Taxes

What does the accountant that worked with you say? As far as whether or not the distribution is reported to the state, best to confirm with the custodian (I do not believe Vanguard for example reports to states, but I may be mistaken).
by coacher
Wed Aug 26, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Recommendations for steam mop
Replies: 18
Views: 2890

Re: Recommendations for steam mop

If you have your heart set on a steam mop OK, but just adding that we've been using these for years and find them light, flexible with all types of cleaners and locations, easy to maneuver, and very effective. http://www.amazon.com/Sh-Mop-ALUMINUM-Sh-wipes-PRODUCT-Sh-Micro2-0/dp/B00GLX25UI/ref=sr_1_...
by coacher
Tue Aug 25, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: Was vanguard.com slow for anyone else this morning?
Replies: 37
Views: 3766

Re: Was vanguard.com slow for anyone else this morning?

Learned from the last time I wanted to TLH on a volatile day in real time that the best course was to do it by phone
by coacher
Thu Jul 23, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 10708

Re: Greatest money lesson movie

It could happen to you
by coacher
Sat May 09, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: Selling house; what to fix, what to leave?
Replies: 26
Views: 8264

Re: Selling house; what to fix, what to leave?

If your market assessment is as you say (price sensitive) and you are a motivated seller, my opinion is you are more likely to regret spending more $$ now (which could cause you to be less flexible in negotiations later on) than doing so. I think your instincts about the kitchen floor are probably r...
by coacher
Sat Mar 14, 2015 12:13 pm
Forum: Personal Investments
Topic: Heavy 401K Contributor? Read Your Custodian's Fine Print
Replies: 4
Views: 995

Re: Heavy 401K Contributor? Read Your Custodian's Fine Print

Thank you ERISA and Rob for alerting me to the parallel discussion.
by coacher
Sat Mar 14, 2015 10:26 am
Forum: Personal Investments
Topic: Heavy 401K Contributor? Read Your Custodian's Fine Print
Replies: 4
Views: 995

Heavy 401K Contributor? Read Your Custodian's Fine Print

Friend of mine (age 56) called me yesterday a bit distraught over a check he received from his 401K custodian (Fidelity) of a return for excess contributions to his plan during 2014 with both Fed (10%) and State tax withheld, advising him that he'd be receiving a 2015 1099-R for this ordinary income...
by coacher
Sun Mar 08, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: [Where's] a Family to Live in New York?
Replies: 22
Views: 4417

Re: [Where's] a Family to Live in New York?

Cousin of mine lived in Ridgewood (NJ - good schools) and commuted to Tarrytown. You need to work off hours else the Tappan Zee traffic can get difficult (especially between 5:30-6:30 PM); otherwise it was a good solution for her family.
by coacher
Sun Mar 01, 2015 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 5169

Re: Has anyone ever voluntarily downsized their job?

Did it two years ago as a result of refusing a promotion that would have necessitated a move to another state; this resulted a mutually agreed upon "demotion" that cut my compensation by 20% but also most of my management responsibilities. Since that time I have enjoyed my job and realized life/work...
by coacher
Fri Feb 27, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: Is Vanguard understaffed?
Replies: 37
Views: 5047

Re: Is Vanguard understaffed?

I have also noticed a marked slowdown of late (defined as the past 2 months), both in terms of response times (to messages) and processing delays (with regard to custodial transfers, etc.). For now I will simply adjust expectations.
by coacher
Thu Feb 19, 2015 11:37 pm
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 5670

Re: Poll: Largest fraudulent charge to your credit card(s)?

$4,300, charged at a jewelry store approximately 15 min. after pick-pocketing my Discover card at Home Depot
by coacher
Wed Feb 04, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 113
Views: 19310

Re: Approaching 50...What to expect?

If you have adult children who lack maturity or independence (if not financial then emotional), make it a priority during the next few years to do what you can to get them there. One can do all the "right things," (diet, exercise, mental stimulation), but I have found for myself and witnessed in oth...
by coacher
Tue Feb 03, 2015 11:04 pm
Forum: Personal Consumer Issues
Topic: alaska cruise
Replies: 35
Views: 5419

Re: alaska cruise

Planning a cruise to Alaska with my wife this June. Wondering if anyone has anything to add to the helpful comments that were posted here a while back in terms of sites to book through, comparison shop, what ships to avoid, etc. Looking for a generally relaxing (not overly adventurous) cruising expe...
by coacher
Sat Sep 27, 2014 12:17 am
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 9517

Re: What did you always wish for but never got?

I used to watch My Favorite Martian and thought one could purchase the ability to read minds
by coacher
Sat Sep 13, 2014 3:49 pm
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 6354

Re: Share your Hot-Rod Portfolio

Six Spicy Sectors Sans(Consumer) Staples

VGENX - 17%
VGHCX -17%
VGPMX - 15%
VGSLX -17%
FSPTX - 17%
FSDCX - -17%
by coacher
Fri Sep 05, 2014 6:04 pm
Forum: Personal Investments
Topic: "Funding" a Future Tax Liability from a Roth Conversion
Replies: 5
Views: 725

Re: "Funding" a Future Tax Liability from a Roth Conversion

It appears the OP is asking whether it makes sense for him/her to start "saving" for this future tax liability with after tax funds in safe investments (like CDs) so he/she knows the money will be there, vs. putting more in after tax equities that he/she may not want to liquidate at the time of the ...
by coacher
Fri Sep 05, 2014 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 40
Views: 122093

Re: Where can I go to get a signature guarantee or Medallion

I have a Bank of America checking account and got a signature medallion guarantee at my BofA branch last week. Best to go in person and ask.
by coacher
Tue Aug 19, 2014 9:49 pm
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 3773

Re: B&H Photo - NY City Experience

Highly recommend them
by coacher
Thu Aug 07, 2014 12:35 pm
Forum: Investing - Theory, News & General
Topic: Bear market fund for diversification?
Replies: 18
Views: 2576

Re: Bear market fund for diversification?

Just curious if anybody is re-considering this as a strategy at this time in light of at least the "perceived" lack of current attractiveness of the bond market (relative to previous time periods anyway) as the favored diversifier to one's long equity position.
by coacher
Wed Jul 16, 2014 2:12 pm
Forum: Personal Consumer Issues
Topic: General Contractor recommendation for Central Jersey
Replies: 3
Views: 743

Re: General Contractor recommendation for Central Jersey

Dave McClellan out of Milltown/E.Brunswick. Priced a bit above average but quality work/sub contractors and covers all based.
by coacher
Tue Jul 15, 2014 9:10 pm
Forum: Personal Consumer Issues
Topic: Fix Car or Get a New One?
Replies: 11
Views: 1471

Re: Fix Car or Get a New One?

My experience is no matter how you run the numbers the most economical decision is almost always to do the repairs (and keep doing them). Therefore the decision has much more to do with issues (that are no less important) such as convenience, aesthetic preference, safety concerns, and simply the pat...
by coacher
Tue Jul 08, 2014 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 23886

Re: Easy careers to last me to retirement?

If you don't mind getting yelled at on occasion, work at Motor Vehicles
by coacher
Sun Jun 22, 2014 9:05 pm
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 3731

Re: A day in Dachau?

My advice is take it all in and take back the feeling and lessons to your children, grandchildren, and any other young people you know so that you may all have a part in building a brighter and more tolerant future for us all. Best wishes for a meaningful trip.
by coacher
Thu Jun 19, 2014 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 6223

Re: How much $$ to change jobs?

The key I believe for you is to take a hard introspective look and determine whether your assertion "Bearing in mind that I dislike work in general" is truly a general truism (and if so that is nothing to be ashamed about; rather you are lucky to know yourself well at a relatively young age), or mer...