Search found 3715 matches

by munemaker
Tue Jan 15, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in law had a stroke (health ins options?)
Replies: 6
Views: 586

Re: Brother in law had a stroke (health ins options?)

Disability insurance is only going to pay cash (% of salary).

He could use COBRA which is normally limited to 18 months; I don't know if there are any special rules for disability. After that, it would be ObamaCare.
by munemaker
Tue Jan 15, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 73
Views: 6029

Re: Large SUV

-Highlander - too small -4 Runner - nice, I like the body on frame "real truck" aspect, but it's smaller than the Pilot. Is this what you get if you want a Highlander, but want a "truck" instead of a crossover? The Highlander and 4 Runner are about the same size, so if the Highlander is too small, ...
by munemaker
Tue Jan 15, 2019 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX at Merrill Edge
Replies: 18
Views: 1586

Re: VTSAX at Merrill Edge

Is it possible to make an in-kind transfer VTSAX (in a taxable account) from Vangaurd to Merrill Edge?

If so, would such a transfer qualify for the transfer bonus?
by munemaker
Tue Jan 15, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3717

Re: Brake fluid replacement?

I always try to follow the manufacturer's recommendations for maintenance. I follow the maintenance minder on my Hondas. There is a note in the manual saying the brake fluid should be changed every 3 years. I missed it and by the time I noticed it, the car was so old, I was afraid the bleeders woul...
by munemaker
Tue Jan 15, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3717

Re: Brake fluid replacement?

I always try to follow the manufacturer's recommendations for maintenance. I follow the maintenance minder on my Hondas. There is a note in the manual saying the brake fluid should be changed every 3 years. I missed it and by the time I noticed it, the car was so old, I was afraid the bleeders would...
by munemaker
Tue Jan 15, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 73
Views: 6029

Re: Large SUV

-Highlander - too small -4 Runner - nice, I like the body on frame "real truck" aspect, but it's smaller than the Pilot. Is this what you get if you want a Highlander, but want a "truck" instead of a crossover? The Highlander and 4 Runner are about the same size, so if the Highlander is too small, ...
by munemaker
Tue Jan 15, 2019 2:00 am
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 73
Views: 6029

Re: Large SUV

Have a look at the Buick Enclave/Chevrolet Traverse twins. They both a feature a third row that an adult can actually sit in, which isn't the case for most uni-body three row SUVs. The current build quality of GM products might surprise you. After wearing out two Odysseys, and with mostly grown kid...
by munemaker
Mon Jan 14, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4350

Re: Long term care insurance policy

Payouts are clearly defined as to amount paid per period for care and total amount to be paid; , thresholds met are clearly defined and tied to ADL's and elimination period before any payments are made, strength of the insurer can reasonably be determined. OK, the real problem is the PREMIUMS are n...
by munemaker
Mon Jan 14, 2019 4:32 pm
Forum: Investing - Theory, News & General
Topic: Book on withdrawal strategies / retirement income?
Replies: 13
Views: 1105

Re: Book on withdrawal strategies / retirement income?

germark wrote:
Mon Jan 14, 2019 3:47 pm

I just read the first few chapters of Living Off Your Money: The Modern Mechanics of Investing During Retirement with Stock and Bonds but didn't like it.
Curious what you did not like about it. I thought it was excellent and pretty much covered the subject.
by munemaker
Mon Jan 14, 2019 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Drawing down tax deferred accounts pre RMD
Replies: 2
Views: 272

Re: Drawing down tax deferred accounts pre RMD

Recently there was a thread regarding the strategy of drawing down tax deferred accounts in the years before RMD in order to avoid having to pay taxes at a higher rate once RMD begins. I read the thread with interest but after a week or two of thinking about it I can't find the thread (yes I did a ...
by munemaker
Mon Jan 14, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cigna/Express Scripts merger - pls help me understand how I lost half my value
Replies: 6
Views: 659

Re: Cigna/Express Scripts merger - pls help me understand how I lost half my value

You didn't lose any money. "...each outstanding share of Express Scripts common stock (other than certain excluded shares) was converted into (1) 0.2434 of a share of New Cigna common stock and (2) the right to receive $48.75 in cash, without interest, subject to applicable withholding taxes." Refer...
by munemaker
Mon Jan 14, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 498
Views: 177925

Re: Retiree Portfolio Model

Just want to report there seems like a minor error on the "Balances by Account at Year End" graph on the RESULTS sheet. For my situation, the graph shows for colors: red, orange, yellow and green. However, there are only 3 labels: Blue = Taxable, Green = IRA, Red = Inherited IRA. The Blue and Green...
by munemaker
Mon Jan 14, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 498
Views: 177925

Re: Retiree Portfolio Model

Just want to report there seems like a minor error on the "Balances by Account at Year End" graph on the RESULTS sheet. For my situation, the graph shows for colors: red, orange, yellow and green. However, there are only 3 labels: Blue = Taxable, Green = IRA, Red = Inherited IRA. The Blue and Green ...
by munemaker
Fri Jan 11, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 134
Views: 14212

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

The Doctor reported that "Choose Your 3% Category" went live today (01/11). Has anyone seen it on their BOA cards? I have not. Maybe it is a phased cut in and I will see it in a few days.
by munemaker
Fri Jan 11, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 146
Views: 10993

Re: Around 43K in dividends last year - feel good about it ?

You should feel terrible about the $14K in taxable dividends. Terrible? Seriously? Sometimes I think some people on this forum live in an alternate universe. You should feel proud. That is an excellent accomplishment. Your total dividends is more than my annual salary. Keep up the good work. Yes, y...
by munemaker
Thu Jan 10, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8329

Re: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]

Vanguard to stop accepting purchases in leveraged and inverse investments Beginning January 22, Vanguard will no longer accept purchases in leveraged or inverse mutual funds, ETFs (exchange-traded funds), or ETNs (exchange-traded notes). So, forget BDCL, MORL, MRRL, etc. An investor would be much b...
by munemaker
Thu Jan 10, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 73
Views: 6029

Re: Large SUV

I’d stay away from another Honda if you’re having engine issues. Someone else was having engine issues as well in their low-mileage Honda as discussed in a long-running :P thread around here. Oil in the gas or something like that. The gas-in-the oil thread you reference is a very unique situation i...
by munemaker
Tue Jan 08, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3513
Views: 1032894

Re: What Book Are You Currently Reading? Part VI

"The Upside of Inequality" by Edward Conrad (2016)

fascinating!
by munemaker
Tue Jan 08, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security
Replies: 10
Views: 976

Re: Applying for Social Security

Should we just apply on line? Leroy Jones :sharebeer Leroy, Yes, Yes, Yes! You should apply online. It takes about 15 minutes. Why would you want to put up with being on hold for 20 minutes and hang around the SS office with a bunch of derelicts when you can apply so easily and quickly online?
by munemaker
Tue Jan 08, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9192

Re: Which Compact SUV Should I Buy?

The Mazda was sleek and attractive the way a young professional looks in his first tailored suit: lots of promise, but no real power. This is no longer the case for the Mazda CX-5. It's available with a 2.5L turbo motor producing 250 HP and 310 lb-ft torque at just 2000 RPM. In the reviews of the t...
by munemaker
Tue Jan 08, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 101
Views: 11456

Re: Ray Dalio’s latest fearmongering round

Folks, If you are worried enough about something, then, be prepared. Do something. KlangFool But what should we do? Please tell us! munemaker, Diversification. Be prepared for inflation, deflation, hyperinflation and so on. A) Inflation i) 30 years fixed rate mortgage on a reasonably priced house t...
by munemaker
Tue Jan 08, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 101
Views: 11456

Re: Ray Dalio’s latest fearmongering round

KlangFool wrote:
Tue Jan 08, 2019 11:59 am
Folks,

If you are worried enough about something, then, be prepared. Do something.

KlangFool
But what should we do? Please tell us!
by munemaker
Tue Jan 08, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9192

Re: Which Compact SUV Should I Buy?

I've always seen Honda as the "classiest" of the non-luxury brands, and I notice a lot of physicians driving well-equipped ones. I don't think anyone will look down on you for driving a CRV, and they might rather think you're being sensible-- which you are, being a Boglehead. The turbo motor in the...
by munemaker
Tue Jan 08, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 8329

Re: More Nanny State From Vanguard

Vanguard to stop accepting purchases in leveraged and inverse investments Beginning January 22, Vanguard will no longer accept purchases in leveraged or inverse mutual funds, ETFs (exchange-traded funds), or ETNs (exchange-traded notes). So, forget BDCL, MORL, MRRL, etc. Personally, I think that's ...
by munemaker
Tue Jan 08, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 101
Views: 11456

Re: Ray Dalio’s latest fearmongering round

Another alpha-less, fear-mongering, snake oil salesperson trying to remain relevant. If you are referring to Ray Dalio, then you know nothing about the man. He is very smart and principled. Here some evidence that he is not what you say he is: https://www.cnbc.com/2019/01/07/bridgewaters-pure-alpha...
by munemaker
Mon Jan 07, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: Why Total Bond Market over CDs?
Replies: 22
Views: 2546

Re: Why Total Bond Market over CDs?

onourway wrote:
Mon Jan 07, 2019 8:50 am

CD's are not marked to market which gives people the false impression that they have not lost any money if they stay put in the above situation.
Comment: CDs bought through a broker such as Vanguard or Fidelity are marked to market daily. CDs purchased directly from a bank are not.
by munemaker
Mon Jan 07, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 498
Views: 177925

Re: Retiree Portfolio Model

On the DETAILS sheet: - Cells E8, E11, E14, E17, E18, E19 are in green (suspected wrong) and do not agree with the actual Final Balance cells, which in my case are AN8, AN11, AN14, AN17, AN18, AN19. Cells AU8, AU11, AU14, AU17, AU18, AU19 (also in green) agree with the incorrect values in column E....
by munemaker
Sun Jan 06, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 498
Views: 177925

Re: Retiree Portfolio Model

On the DETAILS sheet: - Cells E8, E11, E14, E17, E18, E19 are in green (suspected wrong) and do not agree with the actual Final Balance cells, which in my case are AN8, AN11, AN14, AN17, AN18, AN19. Cells AU8, AU11, AU14, AU17, AU18, AU19 (also in green) agree with the incorrect values in column E....
by munemaker
Sat Jan 05, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9192

Re: Which Compact SUV Should I Buy?

They are stating that they have not bought into all the Lexuses, Maseratis, Porsches, Bentleys, Audis, BMWs, that many others drive. They don't need to show their wealth and status. They are comfortable in their own skin. They like their RAV4s because it also makes them feel younger and sensible li...
by munemaker
Sat Jan 05, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2545

Re: Carryon for 7-day FL vacation?

Why do you want to do this?
by munemaker
Sat Jan 05, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4429

Re: Retirees: any major goals for 2019?

I left the goals behind when I retired.
by munemaker
Sat Jan 05, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9192

Re: Which Compact SUV Should I Buy?

Love my 2017 CX-5 and 2018 Mazda 3. I find Mazda gets very little respect outside of Mazda fans. I hear a lot of, “isn’t that just a rebranded Ford?” I am planning to replace my 2009 CR*V during the next year. The default would have been to buy another CR*V because I love it and it has been extreme...
by munemaker
Sat Jan 05, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9192

Re: Which Compact SUV Should I Buy?

SUVs are terrible and compact SUVs are even worse. Stay with a wagon. Why do you say that? I like the higher entry/exit points and the higher seating positions in the SUVs. I also like the AWD and higher ground clearance since we live in snow country. What makes them terrible (in your view)?
by munemaker
Fri Jan 04, 2019 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 498
Views: 177925

Re: Retiree Portfolio Model

BigFoot48 wrote:
Fri Jan 04, 2019 11:35 pm
You may need to send me a PM and your model for me to understand how that is happening.
PM sent
by munemaker
Fri Jan 04, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 498
Views: 177925

Re: Retiree Portfolio Model

Hi Bigfoot48 Thank you very much for the new version. Very impressive. I am having a problem I hope you can help me with. I ran the same input data using Excel and Google Sheets, with identical results including the same problem in both. Problem is...there are a number of places in the workbook wher...
by munemaker
Thu Jan 03, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781664

Re: U.S. stocks in free fall

Days like today make me thankful that we have ETF alternatives to mutual funds. I guess I am dense. Why does a day like today make you thankful we have ETF alternatives to mutual funds. I hold mutual funds and am a long term buy-and-hold investor. So what difference does it make if you have ETF or ...
by munemaker
Thu Jan 03, 2019 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6125

Re: Delaying retirement just to help adult children

But some people do view life insurance as a gift to their heirs, as opposed to temporary income replacement for their dependents. A lot of people who don't have any dependents at all buy life insurance. They could be spending their money on vacations or luxury cars instead, but they value the gift ...
by munemaker
Thu Jan 03, 2019 1:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781664

Re: U.S. stocks in free fall

Bought AAPL this morning. I love when the market takes off 60-70 bn in market cap because revenue guidance was lowered... Let's also remember that Apple's free cash flow is around 70 bn per year, so trading at or below 10x free cash flow now. Sweet. Buying individual stock is very risky. You would ...
by munemaker
Thu Jan 03, 2019 1:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781664

Re: U.S. stocks in free fall

Days like today make me thankful that we have ETF alternatives to mutual funds. I guess I am dense. Why does a day like today make you thankful we have ETF alternatives to mutual funds. I hold mutual funds and am a long term buy-and-hold investor. So what difference does it make if you have ETF or ...
by munemaker
Thu Jan 03, 2019 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6125

Re: Delaying retirement just to help adult children

My remaining parent is your age and seems to want to leave us 'kids' an inheritance. However, we're all self-sufficient adults (youngest is mid 30s). I don't need or want an inheritance and have let my parent know that I would rather see them indulge and enjoy the fruits of their labor rather than ...
by munemaker
Thu Jan 03, 2019 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6125

Re: Delaying retirement just to help adult children

Was going over my brother and sister-in law's finances the other day. Neither of them like their jobs and they appear to be in great shape to retire (40x annual expenses saved in a 50-50 boglehead type portfolio). Both are 60 and have four great grown kids who (by their own choosing) are all in fre...
by munemaker
Thu Jan 03, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 45
Views: 3344

Re: ug - seeking medical billing advice for ambulance ride

My wife fainted in a public area. A bystander called 911 and an ambulance showed up (it is stationed about a block away from the incident). She recovered in a few minutes and declined the ambulance and did not receive any services. We received a bill for...I think it was $100. We live in a small tow...
by munemaker
Thu Jan 03, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Does Buyer ever Lose on eBay?
Replies: 36
Views: 2225

Re: Does Buyer ever Lose on eBay?

I had a bad experience on eBay and as a result, I totally quit using them. I bought what was represented as several K&N oil filters and a jug of Honda rear differential lubricant. I don't remember what it was, but my bid was very low and the seller did not protect himself with a reserve. I assume t...
by munemaker
Wed Jan 02, 2019 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation approaching retirement
Replies: 9
Views: 682

Re: Asset allocation approaching retirement

Working one more year. I have already “won the game” and feel very comfortable that my wife and I have more than enough to live comfortably and give to charity. I am now 50% stocks and 50% bonds. I feel comfortable in this AA in today’s extreme market volatility. I do not need to increase my assets...
by munemaker
Wed Jan 02, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Intro. & Monthly Food Expenses
Replies: 32
Views: 1843

Re: Intro. & Monthly Food Expenses

We eat out a lot, but we will eat only a portion of what we are served and take the rest home. For the last 4 times that you ate out, how many adult meals from the leftovers did you eat at home? For me, a $30 meal will often yield 6 adult meals. I don't know how you do that! The best we ever do is ...
by munemaker
Wed Jan 02, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Does Buyer ever Lose on eBay?
Replies: 36
Views: 2225

Re: Does Buyer ever Lose on eBay?

If you use PayPal for payment you can be pretty confident as a buyer. As a seller PayPal is risky since an unscrupulous buyer (I've had 3) will be backed by PayPal over the seller. +1 Not only do I use PayPal, but PayPal puts the charge on my credit card. So if something happens and PayPal does not...
by munemaker
Wed Jan 02, 2019 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 3373

Re: VG advises 15% International Bonds (VTABX)... Why?

I think it is strange that many/most Bogleheads believe international diversification in equities is important, but not so for bonds.
by munemaker
Wed Jan 02, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51770

Re: Fidelity free Turbotax

FWIW, my PCG rep just told me this regarding the offer. Not sure if it's true. The free turbo tax is for clients who have over $500k in non 401k assets. That is why not all premium/private clients will see the free turbo tax offer. Some only qualify for the discount. I don't think it is true. I hav...