Search found 433 matches

by Blueskies123
Tue Nov 13, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Florida BCBS through ACA: experiences/reviews
Replies: 10
Views: 690

Re: Florida BCBS through ACA: experiences/reviews

I have had BCBS in the last 3 years. None of my doctors were on the Select HMO but all of them were in the Options PPO. I have had two knee surgeries and two shoulder surgeries and had zero problems with BCBS, however, the Options version is incredibly expensive without subsidies. The Select is much...
by Blueskies123
Mon Nov 12, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1077

Re: Flood Insurance- When is it necessary?

Storm damage is not covered by flood insurance. Only flood damage is covered by flooding and it is carefully defined in the insurance documents. Has your area ever flooded? Would you know if there were floods in the last 200 years? A lot of new development will make areas flood that have not flooded...
by Blueskies123
Wed Nov 07, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market vs. Bonds/CDs
Replies: 6
Views: 1018

Re: Prime Money Market vs. Bonds/CDs

Many of us have gone through this same thought process. There are numerous discussions threads. Many call it timing and say it is a mistake but many have shortened their duration. If there is a recession in the next year or two your MM fund will pay less interest and bonds should go up in value. The...
by Blueskies123
Wed Nov 07, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7375

Re: Move savings to Prime Money Market Fund (VMMXX)

PMM is 67% Yankee bonds: https://investor.vanguard.com/mutual-funds/profile/VMMXX Here is a thread that explains what a Yankee bond is : https://www.bogleheads.org/forum/viewtopic.php?t=86187 Your online savings account is FDIC guaranteed as you said, this account is not FDIC guaranteed. As long as ...
by Blueskies123
Thu Nov 01, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - Over the cliff and back.
Replies: 2
Views: 581

Re: ACA - Over the cliff and back.

They will ask you for an explanation. You write it up and submit it on ACA.
by Blueskies123
Thu Nov 01, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7605

Re: I Bond fixed rate = 0.5%

Are not TIPS yielding (real) more than 1%? Why buy IBonds?
by Blueskies123
Thu Nov 01, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: controlling retirement income for ACA threshold-457
Replies: 7
Views: 797

Re: controlling retirement income for ACA threshold-457

One other point is to have several different plans and strategies because A LOT can change in the next 5-10 years.
by Blueskies123
Thu Nov 01, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: controlling retirement income for ACA threshold-457
Replies: 7
Views: 797

Re: controlling retirement income for ACA threshold-457

What I did was that I saved as much as I could after I maxed out my 401K and HSA. For the few years before retirement, I sold off the investments I had put the money in and paid the capital gains (at favorable rates) and then lived off the fully taxed savings after I retired.
by Blueskies123
Wed Oct 31, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How would you proceed?--car accident
Replies: 22
Views: 1782

Re: How would you proceed?--car accident

Last two times this happened to people I know the other driver said my friend drove into their lane. Good luck and be emotionally ready. There is no consequence when bad people lie, even when subsequent a video recording shows who was at fault. A bad person does not get a ticket for lying and their ...
by Blueskies123
Sun Oct 21, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Dentist "Service Fee" for Filing Insurance Claim?
Replies: 33
Views: 3239

Re: Dentist "Service Fee" for Filing Insurance Claim?

No, it not normal. Do not pay it and find another dentist.
by Blueskies123
Sat Oct 20, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4866

Re: Beer - Strong German Style Lagers

Check the calories on those beers. I have to drink light to keep my weight down.
by Blueskies123
Fri Oct 19, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on 5 year TIPS bonds?
Replies: 42
Views: 3597

Re: Thoughts on 5 year TIPS bonds?

If you buy a 5-year TIP bond you are betting that REAL interest rates are not going to rise. I have not idea what they will do, maybe they will go down in the next recession or maybe they will go up. Why 5 year and not 2 years.
by Blueskies123
Fri Oct 19, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 60
Views: 4265

Re: noisy generator

by Blueskies123
Wed Oct 17, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1691

Re: Treasuries safe?

If China were to dump $1T in treasuries it would probably cause a global panic that would be of no benefit to them. China is heavily dependent on Western importers, they're not in a position to do anything so dramatic. Like 123 said the Treasury could buy them at a discount and not have to pay all ...
by Blueskies123
Wed Oct 17, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1462

Re: To replace old Volvo

Since you already own a high-end Volvo I assume you can afford a nice car. I suggest an Avalon or Lexus ES350. They hold their resale value and are very reliable.
Many new Volvo's are build in China.
by Blueskies123
Wed Oct 17, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1691

Re: Treasuries safe?

If China were to dump $1T in treasuries it would probably cause a global panic that would be of no benefit to them. China is heavily dependent on Western importers, they're not in a position to do anything so dramatic. Like 123 said the Treasury could buy them at a discount and not have to pay all ...
by Blueskies123
Sun Oct 14, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 26
Views: 6613

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

I'm not really convinced of the value of such a thing. In my case, I have printed instructions for my wife (or my executor, if it comes to that) referring to a USB memory stick in my safe with all that type information stored on it. What benefit does FidSafe provide that my USB stick in my safe doe...
by Blueskies123
Sat Oct 13, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 26
Views: 6613

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

I'm not really convinced of the value of such a thing. In my case, I have printed instructions for my wife (or my executor, if it comes to that) referring to a USB memory stick in my safe with all that type information stored on it. What benefit does FidSafe provide that my USB stick in my safe doe...
by Blueskies123
Sun Oct 07, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 7986

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

Wow, so much dislike for Fidelity. I for one find their site and especially their latest iPhone app very easy to navigate but I have been with them for a long time. I think their bond and CD ladder section is great. The main reason I like Fidelity is their telephone customer support. While I may hav...
by Blueskies123
Sat Oct 06, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12911

Re: What purchase saved you the most money?

I see a number of people have said their house saved them money. I guess that means they think owning a home is a huge saving over renting. I keep good records for the house I bought 25 years ago. I took the time to add up all the improvements, painting, repairs, taxes and insurance. I realized that...
by Blueskies123
Thu Sep 27, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3500

Re: Good flip flops

I love these. Living in Florida where it is either hot or rainy/slippery I wanted a sandle that gripped wet floors. These have it all:


https://www.amazon.com/Teva-Mens-Pajaro ... va+sandals
by Blueskies123
Sun Sep 23, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11667

Re: Minimalist Lifestyle

Only buy stuff you really really need, not just want for an emergency. Give unneeded stuff to charity, it is amazing how good it makes you feel.
No and No.

Here is a place for minimalists.
https://forum.mrmoneymustache.com/unread/
by Blueskies123
Fri Sep 21, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Buying secondary market TIPS via Vanguard Brokerage
Replies: 7
Views: 486

Re: Buying secondary market TIPS via Vanguard Brokerage

I use Fidelity but this is exactly I did when I bought TIPS using Fidelity.
by Blueskies123
Tue Sep 18, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: New SUV
Replies: 24
Views: 2181

Re: New SUV

I was in the leasing business. Leasing is for people where the cost of ownership is down the list of priorities. The leasing group is always the most profitable group of any company.
by Blueskies123
Wed Sep 12, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6700

Re: Hurricane Florence - survival guide

I guess we have set up our home and lives such that we don't need power to survive. I don't have to pay for a generator nor its gas nor its maintenance . I realize many people cannot do that, but it is something else to consider. You may not "need" power to simply "survive" in a tent outside you yo...
by Blueskies123
Wed Sep 12, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6700

Re: Hurricane Florence - survival guide

if you ever say "i THINK my car can drive through that much water", turn around and find another route. it isn't worth the risk. try to stay calm, and do stay safe. this too shall pass. I always wondered why this was and then I saw a clip somewhere that showed the air pressure in your tires actual ...
by Blueskies123
Mon Sep 10, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6700

Re: Hurricane Florence - survival guide

I have a very large garage with plenty of ventilation and no pilot lights so I feel OK about saving the jugs in the garage for a few days. Right after the storm, I put them outside until I use them in the generator or my car. My generator came with a very good multioutlet extension cord. I crack ope...
by Blueskies123
Mon Sep 10, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6700

Re: Hurricane Florence - survival guide

You need a generator that isn't so thirsty. I would add a quiet Honda or Yamaha to the mix, so you only have to start the hog to run the big stuff. My 2.4kW Yamaha can run two refrigerators, a chest freezer, my TV, computer and some lights. Agreed, when I bought it 10 years ago I should have studie...
by Blueskies123
Mon Sep 10, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6700

Hurricane Florence - survival guide

Lessons from living thru multiple disastrous hurricanes (I have posted this elsewhere too): 1) Two days out everything will be sold out. You should stock up and prepare 4-5 days before. 2) No electricity=no gasoline. My generator drinkes 5 gallons in about 7 hours. If you do not have electricity for...
by Blueskies123
Sat Sep 08, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4840

Re: Buying a new Toyota Camry. What extra options if any?

I didn't look at the options that are options and are not standard, but I will say that I drove a 2018 Camry rental car for over 400+ miles and it had the safety features such as adaptive cruise control, lane change alert/assist, parking assist beeps, backup camera, navigation, reverse automatic br...
by Blueskies123
Fri Sep 07, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Car Shopping, Seem to lose my Boglehead way each time help!!
Replies: 37
Views: 3019

Re: Car Shopping, Seem to lose my Boglehead way each time help!!

Tens of thousands of the brightest students go to the most expensive schools every year to study how to manipulate you to buy stuff you do not need. Some of those kids make millions of dollars spending 100's of millions of dollars on advertising designed to trick you to buy junk you will be getting ...
by Blueskies123
Wed Sep 05, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Where's the Inflation Hedge for Short-Term TIPS?
Replies: 79
Views: 4733

Re: Where's the Inflation Hedge for Short-Term TIPS?

[/quote]Thanks hdas for posting the link to this pdf and for the quote in particular. The overall point, concluded in the last paragraph (my underlining), has been made in the forum before but it bears repeating, frequently. People casually talk about TIPS duration and nominals duration in the same ...
by Blueskies123
Tue Sep 04, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9749

Re: How to "waste" money on groceries?

Shopping at Publix instead of Walmart or Costco.
by Blueskies123
Mon Sep 03, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: Hold cash in Treasury Bills or in Money Market Fund?
Replies: 36
Views: 4759

Re: Hold cash in Treasury Bills or in Money Market Fund?

Looking at what FNSXX invests in it has more than “ slightly “ more risk than treasuries.
by Blueskies123
Mon Sep 03, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1559

Re: F2 Tornado just slammed our area - Any way to recover expenses?

Not sure how relevant this may be. I know a guy who had a persimmon tree in his front yard destroyed by a drunk driver. The homeowner's insurance refused to pay because the house was not damaged. He filed for loss of use, or diminished value, or something like that and got several hundred dollars. ...
by Blueskies123
Sat Sep 01, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Thoughts on investing in Uranium???
Replies: 48
Views: 3162

Re: Thoughts on investing in Uranium???

All of what you say makes sense in isolation. However, there is astronomical risk that you have not quantified. All you need is one bad accident anywhere in the world and it all unwinds. If you have an itch take 5% of the stock money you do not need and speculate. Keep a log for 20 years of how your...
by Blueskies123
Sat Sep 01, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7158

Re: Daily Driver (Car) Over 100K Miles?

Probably most of us that post on this board, until we retire and realize there is only so much time left. Before I retired I had 180,000 on my Accord. I am retired now with 120,000 on my Avalon and 40,000 on the wife's Acadia. We drive a lot less now so when we replace the Avalon we may not have car...
by Blueskies123
Fri Aug 31, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Another car (truck) buying question
Replies: 20
Views: 1369

Re: Another car (truck) buying question

I would check consumer reports for which one has a better quality history but buying used you will never know how the previous owner treated it so unless you can find the maintenance history of the Ford I might be tempted to go new with the Dodge.
by Blueskies123
Fri Aug 31, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5227

Re: Will I ever sell Ibonds from 2001 - 3% fixed

30 years thanks. I will enjoy the money when I am 77. Heck of a tax bill though. I own quite a few of the same ones - plan on holding to maturity, those were a gift and I’m glad I took Uncle Sam up on it. You will be retired by then, I will likely still be working. Ironic, bought them in a low tax ...
by Blueskies123
Thu Aug 30, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5227

Re: Will I ever sell Ibonds from 2001 - 3% fixed

30 years thanks. I will enjoy the money when I am 77. Heck of a tax bill though.
by Blueskies123
Thu Aug 30, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5227

Will I ever sell Ibonds from 2001 - 3% fixed

I have some Ibonds I bought in 2001 with a fixed rate of 3% in the lock box. I assume they never mature and I will not pay taxes until I redeem them. I was thinking that these bonds might be the last thing I ever sell. More likely I will give them to the kids when I die but I do not know if I can pa...
by Blueskies123
Thu Aug 30, 2018 3:19 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 241
Views: 202522

Re: Please Try Out Test Posts Here

Thanks Cruncher: If I use imgur and use the "image link box" (see below for what I could copy and paste) and then use the "picture" icons above is get the following message: "It was not possible to determine the dimensions of the image. Please verify that the URL you entered is correct." Which of th...
by Blueskies123
Thu Aug 30, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 5408

Re: Bosch dishwasher odor

Consumer reports (I think) said scrape them clean, we are all wasting too much water raising. The wife gets angry at me if I do not rise them so I lightly rise them if I load the dishwasher. We have never had an order problem with our Bosh. Affresh makes a dishwasher product if you have checked the ...
by Blueskies123
Tue Aug 28, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: International investing and currency risk - why do it?
Replies: 43
Views: 3007

Re: International investing and currency risk - why do it?

Assuming you are investing for the long run, 20-40 years what do you think will happen to the dollar over 30 years? You may want to diversify out of dollars, but who knows what will happen tomorrow or 20 years from now. I am 50% domestic stock and 50% intl stock on the stock side of the portfolio. I...
by Blueskies123
Mon Aug 27, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3600

Re: Best ultra thin pocket knife?

Victorinox Swiss Army Cadet Knife is my favorite. Like you already pointed out the steel is a little softer than more expensive knives but as you also pointed out it is easy to sharpen. One of my Spiderco knives has a chip although it stays sharp for so long. It bothers me to see that small chip. ht...
by Blueskies123
Sun Aug 26, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 34
Views: 2801

Re: Umbrella insurance - again

Where you live, rural vs expensive big city, and teenage kids will affect the premium. If I recall state farm offers multiline discounts so if you have your house and car insurance with them you will get an additional discount.
by Blueskies123
Sat Aug 25, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: TIPS Versus Nominal Bonds
Replies: 46
Views: 4172

Re: Larry Swedroe: TIPS Versus Nominal Bonds

You are correct that a single tip bond vs a single nominal bond with the exact same duration should behave the same with a 100 basis point rise in interest rates but for tip funds look at page 4 on this link if it shows on your screen like my screen: https://www.verusinvestments.com/documents/2014-0...
by Blueskies123
Sat Aug 25, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Investment Podcasts
Replies: 5
Views: 576

Re: Investment Podcasts

https://paulmerriman.com/podcasts/ - has some beginners information

Meb Faber is good for intermediate to advanced.
by Blueskies123
Sat Aug 25, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: TIPS Versus Nominal Bonds
Replies: 46
Views: 4172

Re: Larry Swedroe: TIPS Versus Nominal Bonds

If interest rates continue up but inflation stays at 2% it would seem TIPS would lag. Please explain this comment. To clarify, the longer-dated TIPs do have duration risk. A 10-year Tip bond will decrease in value if the Fed raises rates, say, 100 basis points and assuming no underlying change in i...