Search found 874 matches

by dumbbunny
Thu Jul 18, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 30
Views: 2186

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: 2693

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: 812

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: 812

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: 812

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: 812

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: 812

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: 2733

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: 2733

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: 53657

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: 1385
Views: 144285

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: 2269

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: 2269

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: 4742

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: 824

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: 1385
Views: 144285

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: 2412
Views: 435421

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: 3619

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: 2723

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: 3619

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: 142
Views: 9278

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: 2723

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: 4058

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: 5694

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: 13780

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: 59
Views: 6263

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: 4058

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...
by dumbbunny
Wed Dec 19, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Should I Continue to Delay SS One More Year
Replies: 29
Views: 4058

Re: Should I Continue to Delay SS One More Year

.... ..... a couple of quotes omitted I know the purpose of an IRA is to have money to fund my retirement but spending that money (especially at market lows) and watching the amount decrease just to have bigger monthly SS check causes me anxiety. If I can keep my living expenses (plus taxes) to $42...
by dumbbunny
Tue Dec 18, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 5570

Re: Marriage and separate accounts - how does it work?

Married for 26 years. My wife wanted separate accounts because her first husband mis-managed their joint accounts. She moved into my house and paid 25% of mortgage and property taxes. We had the deed to house changed to 75/25 ownership. We split groceries, utilities and vacations 50%. Any home impro...
by dumbbunny
Tue Dec 18, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 756
Views: 227337

Re: Retiree Portfolio Model

My wife and I keep our finances separate. This agreement was her choice due to her first marriage. I prepare the taxes (TurboTax) so I know her income comes from a small pension and Social Security. But I don't know her IRA and taxable account balances. Will this spreadsheet be beneficial to me with...
by dumbbunny
Tue Dec 18, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Should I Continue to Delay SS One More Year
Replies: 29
Views: 4058

Re: Should I Continue to Delay SS One More Year

Am I doing the right thing, financially, by continuing to delay my social security one more year? Age: 64 will be 65 in March and starting Medicare Retired Married - wife and I keep our money separate. She (66) is collecting SS at $1550/month Monthly SS benefit at 65 $1978 Monthly SS benefit at 66 ...
by dumbbunny
Mon Dec 17, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Continue to Delay SS One More Year
Replies: 29
Views: 4058

Re: Should I Continue to Delay SS One More Year

My guess is when you run the calculator, you will be provided with the answer to delay SS until age 70. One thing I noticed is how much larger the SS survivor benefit is for your wife, if you wait until age 70. (I do not know if it is correct or not.) But your concern is that you would need to make...
by dumbbunny
Mon Dec 17, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Continue to Delay SS One More Year
Replies: 29
Views: 4058

Re: Should I Continue to Delay SS One More Year

With the size of your IRA you should definately consider Roth conversions in years where your taxable income is low. RMDs in later years could make more of your higher social security benefits taxable depending on your joint income situation. It might be a good idea to currently maximize income to ...
by dumbbunny
Mon Dec 17, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Continue to Delay SS One More Year
Replies: 29
Views: 4058

Re: Should I Continue to Delay SS One More Year

mhalley wrote:
Mon Dec 17, 2018 12:15 am
Have you tried https://opensocialsecurity.com/
I use firecalc but this look more specific. Thanks for the link. I will check it out.
by dumbbunny
Sun Dec 16, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Continue to Delay SS One More Year
Replies: 29
Views: 4058

Should I Continue to Delay SS One More Year

Am I doing the right thing, financially, by continuing to delay my social security one more year? I have been living off of my IRA money for the past 18 months after depleting my non-IRA funds with a home purchase and living expenses. Age: 64 will be 65 in March and starting Medicare Retired Married...
by dumbbunny
Sun Oct 14, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3357

Re: Pacific Northwest trip

Has OP said if they want an urban trip or more nature? Good question. We'd obviously like to experience the city, but definitely want to do other things (whitewater rafting, boat trip, maybe fishing charter). Now I'm thinking that we might just spend the whole time in Oregon using Portland as a bas...
by dumbbunny
Sun Oct 14, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4380

Re: How Much Is Your Sewer Bill?

$150/quarter
by dumbbunny
Sat Oct 13, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3357

Re: Pacific Northwest trip

Portland > Dundee area (Wineries) > Gleneden Beach (Salishan Golf Resort) > Pacific City (Haystack Rock) > Tillamook (Cheese Factory) > Portland

Portland > Columbia River Gorge (Multnomah Falls) > Bonneville Dam (Salmon Ladder) > Hood River (Wind surfing) > Timberline Lodge > Portland
by dumbbunny
Thu Oct 11, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: What to do with Bose cube speakers left in rec room
Replies: 17
Views: 1974

Re: What to do with Bose cube speakers left in rec room

You can probably find the acoustimass unit on eBay. That vintage Bose setup was not that great. I had them. Tinny sound compared to newer Bose systems. I would reuse the wires. Use your speakers for now. Research an upgrade later. I had this same system and the CD player needed repair twice. You st...
by dumbbunny
Tue Oct 09, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 1126

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

I bailed on the iPhone 5 to get a Moto G4 in January 2017 ($150). Loved the phone but accidentally broke the screen. So waited until the Moto G6 came and bought a Moto G5+ in July 2018 ($120 on a flash sale). Supposedly it is upgradeable to Oreo when it's ready. You can thank me later.
by dumbbunny
Tue Oct 09, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13565

Re: What purchase saved you the most money?

Pizza_and_Beer wrote:
Thu Oct 04, 2018 6:17 pm
My bicycle to get around town/commute to work.
Same for me (for 19 years commuting 12 miles round trip and for 6 years commuting 25 miles round trip)
by dumbbunny
Tue Oct 09, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 7148

Re: Best headphones under 500 bucks

If you are considering in-ear phones I would recommend Ultimate Ear 5 Pros.
As for cans, I have enjoyed my Bose QCs but I feel they are over-priced.
by dumbbunny
Mon Oct 08, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3801

Re: Garage Shelving?

In terms of free standing shelving. I bought the Whalen Brand heavy metal shelving from Costco. I have 2 of those free standing in my garage to divide the single bay from the double bay and it works great. Super heavy duty and wide enough to be very stable when free standing. It's industrial whareh...
by dumbbunny
Thu Oct 04, 2018 8:50 am
Forum: Personal Investments
Topic: Case for buying individual Stocks as 10% of portfolio
Replies: 43
Views: 3960

Re: Case for buying individual Stocks as 10% of portfolio

As they say famously that $1000 investment each in Apple in 1980 ($300k now), Microsoft in 1987 ($600k now), Walmart in 1980 ($1.7M now) would have netted over $2.5M in the past 40 years. In addition to the other many problems with your plan one problem that has not been mentioned is that even if y...
by dumbbunny
Thu Oct 04, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4296

Re: Black suit with dark brown shoes?

No.
I remember this comment by George Gobel on the Johnny Carson show.
https://www.youtube.com/watch?v=efHVcgUajtA
by dumbbunny
Wed Sep 26, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Know Any Good Forums for Android Smartphone Users?
Replies: 10
Views: 1134

Re: Know Any Good Forums for Android Smartphone Users?

I use a forum brand specific for my phone - Moto G. - but I keep it to a minimum because a lot of geeks hang out and blather. I get most of my help from clicking on the Moto and Device Help app on the phone itself.
by dumbbunny
Wed Sep 26, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9360

Re: Losing Passion for Hobbies. Cheap or normal aging?

Not gonna play psychologist here but you might be going through a phase. My life is one phase after another. Some phases I nurture as I find another and other phases die. It drives my wife (and friends) nuts wondering which phase I'm going through (or starting).
by dumbbunny
Tue Sep 25, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26809

Re: What is your single most expensive mistake?

Wrong career choice. I was offered a full-time job at the local public library after working there part-time. At the same time I was offered a marketing job for a local (but national) craft brewery. I chose the marketing job based upon a passion for craft beers and the "glamour" of it here in the Pa...
by dumbbunny
Sat Sep 22, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 5050

Re: Quicken - Do you use it?

I started using Quicken in the early 90's - Mac version. I would upgrade to the newer versions until my Macbook OS couldn't run the upgrade. Since I didn't want to purchase a new Mac I decided to enter my transactions into an LibreOffice spreadsheet. Although I miss some of the reports I could run i...