Search found 137 matches

by wanderer
Wed Jan 22, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Different View On Money After Cancer Scare?
Replies: 13
Views: 2021

Re: Different View On Money After Cancer Scare?

In my 60s now. In my 30s I had a a small cancer surgically removed. Then learned a coworker’s wife had had the same cancer, but had now returned. Sadly she died within a year or so. It shook us up as we had 3 small kids, I was the primary earner, and we were not financially ‘stable’. A few years lat...
by wanderer
Fri Jan 03, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 HSA contribution deadline?
Replies: 8
Views: 614

2019 HSA contribution deadline?

Hi: While reviewing 2020 HSA rules it appears that both my wife and I can contribute $1000 catch-up to our own HSAs in addition to splitting family amount. We are both retired, over 55, and both covered by a qualifying HD health plan. In the past we were just contributing the family limit and a sing...
by wanderer
Sun Dec 29, 2019 12:03 am
Forum: Personal Investments
Topic: Should I sell my farmland and buy stocks?
Replies: 65
Views: 5116

Re: Should I sell my farmland and buy stocks?

The $9000 per acre appraisal from a few years back seems high for row crop land in South Dakota. You see appraisals like that these days only in the farm belt where they seldom go above $10K per acre. Prime irrigated farm land in the Mississippi delta where I farm is currently about $5K per acre. B...
by wanderer
Tue Dec 24, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity.com website; not easy to find 2019 contributions
Replies: 6
Views: 491

Re: Fidelity.com website; not easy to find 2019 contributions

Perhaps I misunderstand the issue. My monthly statements show YTD additions (contributions). From there it's easy to review recent activity for current month contributions (if needed). I confirmed my YTD amount from the November statement for determining any year-end IRA to Roth conversions. Since t...
by wanderer
Mon Dec 09, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: Historical allocation returns table
Replies: 10
Views: 879

Re: Historical allocation returns table

Vanguard has a few fixed allocation "Lifestrategy" funds. The prospectus shows the 10-year history for each allocation fund (separately). While this may be overwhelming to start, reading the prospectus is an essential skill for self-directed investors. https://personal.vanguard.com/pub/Pdf/p088.pdf?...
by wanderer
Thu Dec 05, 2019 10:53 pm
Forum: Personal Investments
Topic: Managing Dad's Retirement
Replies: 5
Views: 1177

Re: Managing Dad's Retirement

Hi: Congrats to your dad for his marriage and pending retirement. Your investment choices seem very reasonable, however it's not clear how solid the retirement budget is. BH has a format for posting retirement review questions. This might help gather responses. You mention contributing to a 401(k), ...
by wanderer
Wed Nov 13, 2019 11:34 pm
Forum: Personal Investments
Topic: Retiring soon and need help
Replies: 19
Views: 2424

Re: Retiring soon and need help

My 2cents.. You can do this! We did! I retired 6+ years ago with somewhat similar balance. We had no idea what we were doing, but had a "bad feeling" when we talked to an advisor that recommended some variable annuities and some other "products" designed "just for our situation". We didn't bite, but...
by wanderer
Sun Nov 10, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1292
Views: 174039

Re: Fidelity as a one stop shop

rama13 » Sun Nov 10, 2019 4:23 pm saulg wrote: ↑ Sun Nov 10, 2019 4:16 pm Within the unlinked CMA, if you put everything in the SPRXX money market fund and leave the Core position at $0, will the CMA automatically sell/liquidate SPRXX into Core to satisfy incoming debit transactions (eg, checks, Bi...
by wanderer
Sun Nov 10, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1292
Views: 174039

Re: Fidelity as a one stop shop

We find the CMA account (joint) as easy to use as our previous checking accounts at WF and USBank. We are retired and keep a 3-6 month expense buffer in the CMA in the MM (SPRXX) and $0 in the core (cash) sort of like our old emergency saving accounts at the other banks. We keep the CMA separate fro...
by wanderer
Fri Nov 08, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9034

Re: Should I buy the family cottage?

Be careful and realistic. As other have said, annual cost of ownership and upkeep can be costly in both time and money. Annual cost for a cottage by the lake is likely 3-4%/year of it's value - that is 12-20K (personal experience). Most weekends at the cottage will be doing the usual household chore...
by wanderer
Sat Nov 02, 2019 8:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard without Jack Bogle - Allan Roth
Replies: 28
Views: 4824

Re: Vanguard without Jack Bogle - Allan Roth

Why buy directly from Vanguard if the same VG ETFs trade free at many other brokers? Seems to me that Vanguard has lost the lead in direct-to-consumer services and functions, but they are well positioned as a fund provider like Blackrock/iShares. With zero commission trades perhaps there is no money...
by wanderer
Sat Nov 02, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Minimizing recurring expenses while travelling
Replies: 12
Views: 1392

Re: Minimizing recurring expenses while travelling

We bought a small patio home for retirement in an area close to some friends with the intention of travelling now, and adequate for long-term living if health fails. We wanted a "home" that was simple to maintain, easy to "lock-and-leave" but with no HOA issues. No mortgage, but do have the usual ta...
by wanderer
Tue Oct 29, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4840

Re: Women wearing black to a wedding?

We attended a 5 PM wedding in Austin, TX this month and one this summer that were "evening" weddings. Immediately following was the dinner and reception. More than half of the women from 20s- 60s were wearing black at both events - mostly some version of a "little black dress". Men were a mix of bus...
by wanderer
Sun Oct 27, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Is drive up storage worth the cost?
Replies: 16
Views: 1571

Re: Is drive up storage worth the cost?

I'd do elevator with that size storage. We were on the 2nd floor of the UHaul site by Memorial Park for 2+ years while working overseas (2009-2012). Almost all home possessions including some electronics and sound equipment. No 65" TVs at that time :D . They had good elevators and dollies on site. L...
by wanderer
Fri Sep 27, 2019 10:14 am
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance?
Replies: 26
Views: 1940

Re: Which brokerages can display Personal Portfolio Performance?

Perhaps the type of account impacts whether or not the "Performance" tab is viewable or not.

I have a "Performance" tab for all of my personal accounts as described by others, but not for my "Workplace Savings" (401(k) account.
by wanderer
Tue Sep 17, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations/advice for waterproofing a balcony
Replies: 7
Views: 601

Re: Looking for recommendations/advice for waterproofing a balcony

Flashing between wall and deck joists/floor was most likely not installed properly. Not an easy fix but unless the deck is flashed properly the leak will continue, and potentially seriously damage the wall that is attached to the deck. Tile and grout is not supposed to be waterproof. Sealing is des...
by wanderer
Tue Sep 10, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 4946

Re: Vanguard Insane (?) Procedures on Death of a Spouse

Very sorry for your loss. I am not a VG customer anymore, but can confirm that ML, EJ, and Fido all freeze the accounts and refer folks to a ‘transition’ team. My mom went through that when my dad passed using ML and EJ. Same with Fidelity when my mom passed. The accounts are frozen until certificat...
by wanderer
Sat Aug 31, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5535

Re: Cash & Checkbook Register Reconciliation

FYI - We have had 2 checks in the last year posted with the incorrect amounts. So it does happen. We caught these events during our regular review of checking activity, and reconciliation. Both were quickly corrected by the banks (we have 3 checking accounts). To each, their own, but for DW and I - ...
by wanderer
Mon Aug 05, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Pocket protector recommendations
Replies: 21
Views: 2562

Re: Pocket protector recommendations

Are you looking for something that will hold a particular model of slide rule? You're bringing back some fond memories. My grandfather had several slide rules, including a nice full length K&E, a circular slide rule and a small one that fit perfectly in his shirt pocket. I wish I knew what happened...
by wanderer
Tue Jul 30, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 4440

Re: VOIP - what do you use?

We have had voip.ms for several years. Runs around $5 month with the DID (phone number), 911 service, and calls at under a penny/minute. We're not heavy users. It provides for voicemail, caller id filtering, phone book, hunt groups, and more things that are business oriented. I use hunt groups with...
by wanderer
Thu Jul 25, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Spotting scopes
Replies: 21
Views: 1574

Re: Spotting scopes

I have Swarovski binos and Vortex Viper scope. Love them both and compared similar products for each service. As noted above, the Swarovski‘s are generally brighter with less distortion. Not a big deal in most lighting situations, but can add a lot of value in poor lighting. We chose this combo beca...
by wanderer
Thu Jul 11, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Drive to Olympic National Park from Midwest
Replies: 26
Views: 2311

Re: Drive to Olympic National Park from Midwest

Some ideas I didn't see listed above. If you ride bikes, very highly recommend https://www.ridethehiawatha.com/ . It's in Idaho, near the Montana border. Wallace, ID is a nice stop for mining history and great craft brewery/diner for dinner afterwards the ride. Near Missoula, MT is one of the more c...
by wanderer
Sat Jul 06, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: No More Posts Of Larry Swedroe Essays [by Random Walker]
Replies: 64
Views: 7422

Re: No More Posts Of Larry Swedroe Essays

I don't "factor" but I appreciate the diversity of investing ideas discussed here. it's easy to just move on to the next post. Are informational posts regarding articles by Cristine Benz, Michael Kites, Wade Phau, and other advisors also banned? Banning a single advisor perspective seems inconsisten...
by wanderer
Fri Jul 05, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?
Replies: 23
Views: 2379

Re: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?

Not sure what you are sharing... here's an option. We don't save photos to the basic iCloud storage. Rather we use a photo sharing site for photos, SmugMug at $48/year, accessible by phone apps and internet. There are several others. We use it for backup and sharing of our DSLR photos too. You have ...
by wanderer
Fri Jul 05, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?
Replies: 24
Views: 1671

Re: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?

Hikes in Black Hills (Custer SP) are up or down depending on where you start. Black Elk (Harney) Peak is a hike to the highest elevation east of the Rockies. You generally start the hike at Sylvan Lake. It can be "steep" in spots, but nothing like climbing in many areas in UT or NH Whites. Devil's T...
by wanderer
Thu Jul 04, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?
Replies: 24
Views: 1671

Re: Theodore Roosevelt National Park -- good for hiking in August?

Have to agree on Mt. Rushmore. Still, it's on most folks "bucket list". They remodeled a number of years ago. Added the huge parking facility, bigger highway, and new display platform/buildings to accommodate the crowds. The old path and viewing was much more intimate and framed by the trees and hil...
by wanderer
Thu Jul 04, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Ground Cover - SE TX/ SW LA, Deep South?
Replies: 3
Views: 502

Re: Ground Cover - SE TX/ SW LA, Deep South?

In addition to the shade, our experience is that the tree roots are near enough the surface to help out-compete grasses and other herbaceous vegetation. Jasmine, basket grass, or other ground creepers might cover part of it, but not all. Contact your local county master gardener group or those in Je...
by wanderer
Thu Jul 04, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?
Replies: 24
Views: 1671

Re: Theodore Roosevelt National Park -- good for hiking in August?

I brought up bugs because the MDH trail and TRNP areas in North Dakota are open grassland range so the bugs there can be very annoying, again depending on how the season is going. The Black Hills area isn't bad at all. The nuisance, if any, will be more typical of park areas. The Black Hills area al...
by wanderer
Thu Jul 04, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?
Replies: 24
Views: 1671

Re: Theodore Roosevelt National Park -- good for hiking in August?

TRNP (North Dakota) has the Maah Daah Hey Trail 96 mile point-point trail. Can be section hiked. A lot of open grassland between the "badlands", so lots of sun and flies (and ticks earlier in the season). Access points are spread out. If you enjoy this scenery (I do!) than yes, it's great. I section...
by wanderer
Thu Jul 04, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: How to find senior living options?
Replies: 19
Views: 2149

Re: How to find senior living options?

My wife's mother is 86 and currently living in a 55+ community that provides few services. Her health and mobility have declined but she does not need or want full-time nursing care. We want to find her a new living situation in an apartment setting that provides services (meals, cleaning, etc.) an...
by wanderer
Thu Jul 04, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: bike for 79 year old man
Replies: 26
Views: 2524

Re: bike for 79 year old man

also suggest one of the "folding" bikes.

Several biking friends in their 70s have "Bike Friday" models - https://www.bikefriday.com/folding-bikes/bike-models.
They love them. I see DW and I getting these when we "out grow" our current touring bikes. :happy
by wanderer
Mon Jul 01, 2019 4:16 pm
Forum: Personal Investments
Topic: Transferring IRA's from VG to Fidelity
Replies: 10
Views: 866

Re: Transferring IRA's from VG to Fidelity

We transferred one account several years ago (2014 or 2015) but did it through the Fido rep in his office using their form. No issues. He walked the submittal in and we had a "receipt" in moments. It took maybe 1-2 weeks before the dust settled as I recall. I also recall having to provide a recent V...
by wanderer
Mon Jul 01, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 9493

Re: Would we regret buying a 2nd home?

-We purchased a lake home in 2010, while in our 50s. The home has lost value. -We share the home upkeep with our daughter's family. It is at least as much work as the primary residence! (3-4 hours of mowing along 800' drive and hillside to lake!) -It will require on-going utility and monitoring cost...
by wanderer
Wed Jun 26, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Considering opening a Wells Fargo Advisors account for 0.25% discount on mortgage interest rate
Replies: 11
Views: 1178

Re: Considering opening a Wells Fargo Advisors account for 0.25% discount on mortgage interest rate

You have to know if you would be charged an AUM fee every year. The AUM fee could be an annual 1% or more. We have a WellsTrade account where everything is free, but the letterhead on the account documents say "Wells Fargo Advisors" though we have no personal advisor and have no fees ever. That wri...
by wanderer
Wed Jun 26, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating essential vs discretionary expenses
Replies: 17
Views: 1088

Re: Calculating essential vs discretionary expenses

It's really your choice. Figure out what you could/could not live without in retirement if the budget was pinched. Here's what we did for an example. For pre-retirement planning, we worked up three budget levels : a minimum, a desired target, and a extravagant/legacy/world travel budget. We used the...
by wanderer
Wed Jun 26, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC insured up to $1 million? How is that possible?
Replies: 21
Views: 1969

Re: FDIC insured up to $1 million? How is that possible?

I thought this was common throughout the industry. So presumably safe and FDIC approved. https://www.fidelity.com/why-fidelity/safeguarding-your-accounts https://www.wellsfargo.com/investing/cash-sweep https://www.fdic.gov/deposit/deposits/brochures/your-insured-deposits-english.html#JA We have used...
by wanderer
Tue Jun 25, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Transition to management is stressful
Replies: 20
Views: 2796

Re: Transition to management is stressful

Making the transition to management can be very tough. Especially when your self-identity is tied to your technical skills. I was thrust into the role when our boss left "suddenly". I had a technical job I loved, was well respected in the role, and had an understudy and assistant who I worked well w...
by wanderer
Fri Jun 21, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4718

Re: Anyone moved cross country. How did you manage to do it without going nuts??

Moving is very stressful. So yes, be gentle with each other and take a deep breath when the stress gets overwhelming. We moved 6 times during our working career. Some on our own, some with corporate paid movers. To expand on the spreadsheet noted above.... First, figure out a tentative move schedule...
by wanderer
Sun May 26, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [journal added]
Replies: 52
Views: 5157

Re: 3 Alpine passes in 3 days by bicycle

Raybo: Always enjoy reading about your adventures.

Safe travels!
by wanderer
Thu May 02, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1292
Views: 174039

Re: Using Fidelity Cash Management as my only bank account

We tried Fido's CMA billpay these last few months for the various convenience reasons discussed on this site, and found several "issues" which make it unacceptable for our needs. 1) Fido's own VISA cards do not provide ebill and autopay. When "pulling" the monthly payment from the Elan site Fido's C...
by wanderer
Fri Feb 22, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: How to make a good, accurate map of a small village
Replies: 17
Views: 1630

Re: How to make a good, accurate map of a small village

To create a "track" as livesoft suggests... I use the "MotionX" app on an iPhone 7 to record my tracks. There are other apps. You can then save the "track" and send it to an email (such as your own) to use on a computer. MotionX sends both a "GPX" and a "KML" version of the track for your convenienc...
by wanderer
Mon Dec 10, 2018 10:37 pm
Forum: Personal Investments
Topic: Leaving Edward Jones for Fidelity
Replies: 3
Views: 1108

Re: Leaving Edward Jones for Fidelity

My mother was able to transfer her EJ accounts/funds to Fidelity (taxable, Roth, & tIRA) without selling any funds/assets. She worked through Fidelity and let them handle all the paperwork. She did let her EJ rep know it was happening. Once the account transfers were complete at Fidelity (1-2 weeks ...
by wanderer
Tue Sep 18, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: When did you decide to move from your home to senior living?
Replies: 15
Views: 3389

Re: When did you decide to move from your home to senior living?

Similar to others - this is a perspective from watching/helping our parents. Family were all many miles away so they were on their own, but had a great network of friends. Dad's Parkinson's dementia started showing up in his mid-70s. They are from the generation that grew up through the depression a...
by wanderer
Thu Aug 30, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity's calculator suddenly more optimistic?
Replies: 12
Views: 1892

Re: Fidelity's calculator suddenly more optimistic?

I checked our numbers last night for curiosity. They are consistent with what we had in June and March so no issues seen here. Consider emailing Fidelity and ask them to explain why your results are different (especially if you have Private Client status). That is their job. Reasoning.. I had an iss...
by wanderer
Sat Aug 25, 2018 4:53 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting (TLH) using Fido's new "Zero" funds
Replies: 3
Views: 647

Tax Loss Harvesting (TLH) using Fido's new "Zero" funds

Apologize in advance if this has already been discussed. I didn't find it.... Would these new funds be acceptable, legally different TLH pairs for their traditional defined-index cousins? FZROX (Zero Total Market) -to/from- FSTVX (Total Market Index - DJ published index) FZILX (Zero Int'l Market) -t...
by wanderer
Sun Aug 19, 2018 9:14 pm
Forum: Personal Investments
Topic: Advice Request: Considering removing advisor from IRA
Replies: 19
Views: 2168

Re: Advice Request: Considering removing advisor from IRA

I'll add my 2 cents regarding the bonds in your IRA. I am not a bond specialist . I inherited some bonds from my parents (Edward Jones customers) so had to learn some of the details. In my case, sold the corporate bonds and kept a few muni's because they fit my cash flow needs w/o taxes. First, take...
by wanderer
Thu Aug 16, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Wife turning 65. Need to enroll in medicare?
Replies: 6
Views: 1003

Re: Wife turning 65. Need to enroll in medicare?

I hope you have found this booklet from the SSA. the situation you describe appears to be on page 11.. https://www.ssa.gov/pubs/EN-05-10043.pdf . We face the transition in 2019, with DW a few months senior. We are currently on megacorp's pre-65 retiree plan. We were told by megacorp that DW signs up...