Search found 897 matches

by dumbbunny
Tue Jul 07, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: HD DVR Purchasing Advice
Replies: 4
Views: 262

Re: HD DVR Purchasing Advice

quantAndHold wrote:
Tue Jul 07, 2020 10:42 am
You might look at this thread from 10 days ago: https://www.bogleheads.org/forum/viewt ... p?t=318713
D'oh! I should have searched first. Thanks for the link.
by dumbbunny
Tue Jul 07, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: HD DVR Purchasing Advice
Replies: 4
Views: 262

HD DVR Purchasing Advice

I signed-up with YouTube TV when it was $35/month. Now's its $65/month. I have Charter Spectrum internet for my Samsung 65" QLED TV and am considering Charter Spectrum's TV Choice (instead of YouTube) for $29.99/month but my wife needs to be able to record some shows (Grey's Anatomy, The Voice) and ...
by dumbbunny
Thu Apr 02, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

TBH, he made a one or two financial decisions that weren't the wise. One was purchasing a $85K Tesla and then having an over-the-top wedding and honeymoon. And now he is a father. It's like trying to right a ship, it takes awhile. Thanks for your advice. This is an indication that he should not be ...
by dumbbunny
Thu Apr 02, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

Triple digit golfer wrote:
Thu Apr 02, 2020 10:52 am
If he's paying double digit interest rates (or even something more than 4%), I'd sell it immediately and pay the credit card debt.
I totally agree with you. He needs to do the math. Thanks
by dumbbunny
Thu Apr 02, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

The rate on the credit card matters. If the rate is low (say, under 3%), it may be worth holding on to it. If it is 0%, I'd drag out the payments for as long as possible. If it is at a high rate, it should be paid off immediately. He didn't share the rate. I know he transfers balances around to so ...
by dumbbunny
Thu Apr 02, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

sd323232 wrote:
Thu Apr 02, 2020 10:47 am
Paying off debt is always a great idea. I think your son is doing right decision here. You cant go wrong paying off debt, it is an immediate plus towards financial freedom.
Thanks for you advice. That's what I like about this forum.
by dumbbunny
Thu Apr 02, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

bloom2708 wrote:
Thu Apr 02, 2020 10:40 am
It is a good move to pay off credit card debt.

If he doesn't run the credit card back up. Have him freeze it in a block of ice in the freezer. Harder to use.
I will pass that trick on to him. Thanks.
by dumbbunny
Thu Apr 02, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

I"m more concerned about why he even has credit card debt after working 14 years at MSFT, rather than the optimal moves to handle the debt. The longer term question of his personal finances are more important than optimizing his current debt issue. He came to work for MSFT right out of college and ...
by dumbbunny
Thu Apr 02, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

Afty wrote:
Thu Apr 02, 2020 10:31 am
If your son had $XX in cash, would you advise him to use it to buy MSFT stock or to pay off his credit card debt?
MSFT is down 17% from its high today, it has been down 28%. I would have advised to use 100% at the low and 50% now.
by dumbbunny
Thu Apr 02, 2020 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

I think it is good idea. How MSFT stock does in the future is irrelevant to his credit card debt. They are 2 separate transactions. Whether his debt is $1K or $50K is irrelevant too. A debt is a debt. When you're paying 15% or more, any time you can eliminate a debt is a WIN. I also won't lend him ...
by dumbbunny
Thu Apr 02, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

This is a no brainer ...unless there's some weird contingency that wasn't shared, like the stock being inside a retirement account with a penalty... If I could get guaranteed return as high as credit card interest rates, I would never invest in the stock market. True dat. I really should get more p...
by dumbbunny
Thu Apr 02, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

livesoft wrote:
Thu Apr 02, 2020 9:59 am
MSFT is not low by any means today, so selling shares is a good idea.
Quite true in the grand scheme of things.
by dumbbunny
Thu Apr 02, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

I'm flirting with the idea of loaning him some money to either buy down his credit debt or purchase more MSFT and to pay me back over time. If you have such an amount of money that you can do that without endangering your well-being, I think it's a good idea. But I guess I'm wondering why a presuma...
by dumbbunny
Thu Apr 02, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

Selling stock to pay off credit-card debt is almost always a good move. You give up the potential for stock-market gains, but you get a very high guaranteed return. While it is generally correct to avoid selling low, this assumes that you had the right amount of stock to begin with. Your son is hol...
by dumbbunny
Thu Apr 02, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

Would you borrow on a margin account with the CC rates and buy stock now? Are you? As a card carrying Bogelhead, I wouldn't borrow money to buy an individual stock. I suggested he take advantage of the dip in MSFT and split the money he was paying towards the credit card and purchase more MSFT. MSF...
by dumbbunny
Thu Apr 02, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Re: Sell Stock to Payoff Credit Card Debt

N10sive wrote:
Thu Apr 02, 2020 9:53 am
When did he buy the MFST stock? It’s gone up quite a bit over the past two years.....
He has acquired MFST stock for fourteen years.
by dumbbunny
Thu Apr 02, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Sell Stock to Payoff Credit Card Debt
Replies: 34
Views: 991

Sell Stock to Payoff Credit Card Debt

My son wants to sell some of his MSFT stock to payoff credit card debt. He didn't share the specifics i.e., how much debt and interest rate. He has worked for MSFT for 14 years and get stock options and is able to buy more at a discount. I told him it's not the right time to sell (low) some shares n...
by dumbbunny
Wed Mar 25, 2020 6:00 am
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 3288

Re: How are you supporting your community?

I live in an HOA that surrounds Salishan a golf course and resort lodge hotel. The hotel staff and grounds crew was laid off except for the Course Superintendent. The resort is allowing the members of the golf course to still play golf (walking only - no carts - honoring social distancing). I came u...
by dumbbunny
Wed Mar 25, 2020 5:40 am
Forum: Personal Investments
Topic: Why not stand on the sidelines for a little while?
Replies: 302
Views: 14747

Re: Why not stand on the sidelines for a little while?

manatee2005 wrote:
Wed Mar 25, 2020 5:25 am
You’re about a month too late to go on the sidelines.
This^^
by dumbbunny
Tue Mar 17, 2020 1:08 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 26351

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

Three-fund portfolio 40/60 (February)
VBTLX 60%
VTIAX 15%
VTSAX 25%

34/66 (March 16 (my birthday))

Lost about 13.5%
by dumbbunny
Mon Feb 17, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Providing for My Wife Temporarily from the Grave
Replies: 18
Views: 2832

Re: Providing for My Wife Temporarily from the Grave

Just finished ordering Beyond the Grave from Amazon.
Thanks.
by dumbbunny
Mon Feb 17, 2020 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Providing for My Wife Temporarily from the Grave
Replies: 18
Views: 2832

Providing for My Wife Temporarily from the Grave

This week I sign a waiver of elective share (minimum 30% in Oregon) for my wife's estate. Her two children from another marriage would then split her estate. I'm okay with that. What I'm not okay with is I want to provide for my wife if I die first by providing a home for her but I don't want to beq...
by dumbbunny
Sun Oct 20, 2019 7:32 am
Forum: Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 72
Views: 9506

Re: How do you cope with regret over selling too soon?

I posted upthread that I quit computing what my investment would be worth before selling too soon in 2006. Today I did compute it as the stock had reached a new high recently. But a little backstory first. This stock was my last single stock held before going all in with a Vanguard 3 fund portfolio....
by dumbbunny
Thu Jul 18, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 30
Views: 2644

Re: Your pick for a lawn edger

I bought a used McLane edger (gas powered) from someone locally last year and have been happy with it. It needed a little work (new belt, new blade, etc.) but I am mechanically inclined and don't mind working on my yard equipment. I bought a used one also. I like this vs a string trimmer because wi...
by dumbbunny
Sat Apr 06, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my financed iPhone XS Max and going back to Android...
Replies: 40
Views: 2964

Re: Thinking of selling my financed iPhone XS Max and going back to Android...

sambb wrote:
Sat Apr 06, 2019 8:45 am
My ROI on iphone is much higher than android.
How so? Aren't smartphones just pocket computers with a phone app?
by dumbbunny
Sat Mar 16, 2019 7:35 pm
Forum: Personal Investments
Topic: Should I Reverse DCA or Lump Out of Mrkt?
Replies: 14
Views: 955

Re: Should I Reverse DCA or Lump Out of Mrkt?

In this sense of DCA the alternative whether accumulating or withdrawing is not lump sum but rather adding or removing shares by a constant number of shares per period. This goes back to the days when brokers liked to transact shares of stock in round lots, say 100 shares at a time. It turns out th...
by dumbbunny
Sat Mar 16, 2019 7:24 pm
Forum: Personal Investments
Topic: Should I Reverse DCA or Lump Out of Mrkt?
Replies: 14
Views: 955

Re: Should I Reverse DCA or Lump Out of Mrkt?

For the same reason why cost averaging into a volatile investments creates an additional return, cost averaging out of it will lose you money. What you want to do is sell equal amounts of shares. This is great advice if your bills are payable in shares. Most of my bills are only payable in dollars....
by dumbbunny
Sat Mar 16, 2019 7:15 pm
Forum: Personal Investments
Topic: Should I Reverse DCA or Lump Out of Mrkt?
Replies: 14
Views: 955

Re: Should I Reverse DCA or Lump Out of Mrkt?

At the time I was delaying SS I didn't have much in bonds and I didn't want to have to sell any stocks at a loss. I started increasing my bond allocation a little at retirement. As I wrote upstream in another reply, I entertained the thought of increasing my bond ratio for the next five years. Look...
by dumbbunny
Sat Mar 16, 2019 7:11 pm
Forum: Personal Investments
Topic: Should I Reverse DCA or Lump Out of Mrkt?
Replies: 14
Views: 955

Re: Should I Reverse DCA or Lump Out of Mrkt?

I intend to use non-stock investments for living expenses until I start SS at age 70. This will likely lower the non-stock percentage of my AA. I would not keep assets invested in stocks if I planned to liquidate and spend them in the next few years. If I am reading this correctly, you will be sell...
by dumbbunny
Sat Mar 16, 2019 4:05 pm
Forum: Personal Investments
Topic: Should I Reverse DCA or Lump Out of Mrkt?
Replies: 14
Views: 955

Should I Reverse DCA or Lump Out of Mrkt?

In a recent post, I was advised to wait until I am 70 before taking Social Security. I turned 65 today. I am considering reverse dollar cost averaging out of my Vanguard 3-Fund portfolio to cover living expense for the next FIVE years instead a lump sum distribution. If the answer lies in the table ...
by dumbbunny
Sun Feb 10, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Bose 301
Replies: 44
Views: 2952

Re: Upgrade from Bose 301

rebellovw wrote:
Fri Feb 08, 2019 8:19 pm
I think some KEFs would be a serious upgrade.
As I wrote upstream I sold my Bose 901s and now I have KEF Q50-Towers, KEF 90-center channel and KEF 10 bookshelf (rear) in my system. No regrets.
by dumbbunny
Thu Feb 07, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Upgrade from Bose 301
Replies: 44
Views: 2952

Re: Upgrade from Bose 301

Don’t get me wrong, I really have enjoyed my 301s and am not yet set on replacing them. I’ve had them for almost 20 years. They put out very nice sounds to my ears. I still have my Series V 901s that I bought in 1986. -B I bought my 901s in '75. Keep them around until 2011. I would still have them ...
by dumbbunny
Wed Jan 16, 2019 11:00 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 61040

Re: John Bogle has died at age 89

We lost a very gifted human being today. Gone but not forgotten. RIP.
by dumbbunny
Tue Jan 08, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2015
Views: 215983

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

dumbbunny wrote:
Mon Dec 31, 2018 9:33 pm
The Looming Tower on Hulu. Time well spent.
Oh, and Better Things on Hulu. A very pleasant surprise.
by dumbbunny
Thu Jan 03, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2405

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

Date, account, payee, comments, category (food, dining out, water, electricity, income, etc), amount is recorded. That's exactly what I do in Excel. I then have a pivot table showing monthly spending by category, and a dashboard that shows an automatically-calculated current balance of all accounts...
by dumbbunny
Thu Jan 03, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2405

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

My mother wrote everything down contemporaneously in a little notebook she kept in her purse for several years. My mom did this, too, along with tracking the meat in the freezer, my brother's and my weight and height and in later years, our salaries! I use LibreOffice spreadsheet. Google Sheets is ...
by dumbbunny
Thu Jan 03, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5132

Re: ug - seeking medical billing advice for ambulance ride

I needed ambulance service after going into anaphylaxis. The billing song and dance for me was the same as your situation. I called to see if I could get a break and they wouldn't waver. Bottomline is the paramedics saved my life and $750 is a small price to pay for that convenience.
by dumbbunny
Tue Jan 01, 2019 12:46 pm
Forum: Personal Investments
Topic: Inheriting spousal 401k
Replies: 9
Views: 864

Re: Inheriting spousal 401k

Don't assume anything. As a husband, I was asked to sign a document that gave my wife's 401K to her two children.
by dumbbunny
Mon Dec 31, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2015
Views: 215983

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

The Looming Tower on Hulu. Time well spent.
by dumbbunny
Mon Dec 31, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 542838

Re: What are you up YTD? [Year To Date]

All income (distributions, dividends, cap gains, poker) minus expenses I'm up $29,000.
by dumbbunny
Mon Dec 31, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 4037

Re: Bookshelf speakers under $300

Related to this thread...I bought the KEF Q150s recently. I had been eyeing them for a while and when I saw they were on sale for $300, I pulled the trigger. I haven't listened to them yet because I don't have an amp or receiver. Does anyone have one they'd recommend for this type of speaker? I pla...
by dumbbunny
Mon Dec 31, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 3150

Re: Best Albums of 2018

dumbbunny wrote:
Wed Dec 26, 2018 8:32 am
Patrick Droney - Patrick Droney EP
The five songs listed on the right side of: https://www.youtube.com/results?search_ ... ick+droney
You can thank me later.
Today I found the Rolling Blackouts Coastal Fever from this article -https://www.allmusic.com/year-in-review/2018
by dumbbunny
Mon Dec 31, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 4037

Re: Bookshelf speakers under $300

bloom2708 wrote:
Wed Dec 26, 2018 11:25 am
I like the Elac and KEF recommendations.
+ KEF speakers. They are my home theatre speakers and sub-woofer.
by dumbbunny
Sun Dec 30, 2018 3:58 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 13479

Re: My favorite Boglehead posters

Conch55 wrote:
Fri Dec 28, 2018 5:41 pm
sscritic. I'm not privy to the backstory on his departure but I enjoyed his posts. Agree with many of the others posters mentioned.
+1
Plus retiredjg and celia and Meg77
by dumbbunny
Wed Dec 26, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 3150

Re: Best Albums of 2018

Patrick Droney - Patrick Droney EP
The five songs listed on the right side of: https://www.youtube.com/results?search_ ... ick+droney
You can thank me later.
by dumbbunny
Fri Dec 21, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I Continue to Delay SS One More Year
Replies: 29
Views: 4245

Re: Should I Continue to Delay SS One More Year

More -- opportunity for Roth prior to RMD ========================== . But might you want to do some Roth conversions? The time to do it is prior to RMD. If you want to do Roth conversions, the table below shows nearly 47k available to the top of the 12% tax bracket. The additional tax would be 6k,...
by dumbbunny
Thu Dec 20, 2018 9:02 pm
Forum: Personal Investments
Topic: Another newbie investor who's feeling the pain and would like advice
Replies: 46
Views: 6192

Re: Another newbie investor who's feeling the pain and would like advice

Been there and done that. I'd ride it out. Apple will be good long term but sell it when it gets back to $218. Park whatever you have left in a money market until you figure out an asset allocation of 3-Fund portfolio. Don't check the market everyday. Read this - https://www.bogleheads.org/wiki/Inve...
by dumbbunny
Thu Dec 20, 2018 11:15 am
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 14392

Re: Is anyone's portfolio not tanking???

Down $93K since the high. Fortunately, I sold at the high and transferred one year's worth of expenses into cash.
by dumbbunny
Thu Dec 20, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 67
Views: 8137

Re: Cell Phone Plan/Carrier Recommendation?

I use Consumer Cellular. Simple plans. Great customer service. Even greater coverage (I think they use AT&T towers).
by dumbbunny
Wed Dec 19, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Continue to Delay SS One More Year
Replies: 29
Views: 4245

Re: Should I Continue to Delay SS One More Year

Effectively, you are buying an annuity when you defer taking SS. This helps to explain. I guess what still bothers me is I am buying the annuity with money that could be compounding in my IRA but I have no other choice. But take advantage when zero tax on Roth conversions is available. When does th...