Search found 106 matches

by ScooterBob
Tue Oct 15, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Open Windows and Shower- Smoke Detector
Replies: 9
Views: 842

Re: Open Windows and Shower- Smoke Detector

Ours did the same thing. I ended up replacing the detector. That wasn't the reason for the change, it actually died. When it would do it, I would either wave my towel around it or take it off the wall and move it into another room. I think it has to do with the humidity.

Bob
by ScooterBob
Sat Sep 21, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6173

Re: New Camry Questions

I have a 2014 LE. Get the LE, forget all the useless "fake safety" equipment (its a convenience- not safety) and keep the car for 15-20 years...the cloth will hold up extremely well. I know the new Camry has a bunch of the "safety" stuff included but don't rely on it. Just use the car as you would h...
by ScooterBob
Wed Sep 18, 2019 4:56 pm
Forum: Personal Investments
Topic: [Convince Me that Wellesley is the only fund I need in retirement]
Replies: 23
Views: 2337

Re: [Convince Me that Wellington is the only fund I need in retirement]

Someone please change this headline to read Wellesley. I'm sure there are others that may be thinking the same as the O.P. but not reading the thread because it says "Wellington".

Bob
by ScooterBob
Wed Sep 04, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 4903

Re: Need to get a car in a hurry.

I was in nearly the same situation in February of this year. Here's a link to my thoughts at the time. I'm glad I got it fixed. It was a royal pain finding a competent shop but its done and the car is still rolling. Just had the oil changed and tires rotated yesterday. Mechanic said he'd drive it to...
by ScooterBob
Mon Aug 19, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: Balanced Index and Wellesley Admiral
Replies: 11
Views: 1664

Re: Balanced Index and Wellesley Admiral

How about 50/50 between these two funds: LifeStrategy Conservative Growth Fund (40/60) LifeStrategy Moderate Growth Fund (60/40) This will give you exposure to international stocks and bonds. This will not overweigh corporate bonds as other posters have pointed out in OP's approach. Since these fun...
by ScooterBob
Sun Aug 18, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: Balanced Index and Wellesley Admiral
Replies: 11
Views: 1664

Re: Balanced Index and Wellesley Admiral

The Mac and Cheese portfolio...sounds like something for the Wiki...I'm fine with the minuscule amount of international stock with this portfolio and also the added "risk" with corporates. The overall expense ratio is also very tolerable combining these two. Interesting that these two were never (as...
by ScooterBob
Sun Aug 18, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: Balanced Index and Wellesley Admiral
Replies: 11
Views: 1664

Balanced Index and Wellesley Admiral

I've read the thread regarding some folks using a combination of Wellesley and Wellington in their portfolio to achieve a near 50/50 stock/bond allocation. By doing that, it seems that would completely abandon the indexing utilization. I'm thinking of using a split of Balanced Index and Wellesley to...
by ScooterBob
Tue Aug 13, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7615

Re: Use Vanguard MM Prime for cash rather than local bank?

I also use the Prime MM instead of local banks- I HATE banks... Don't be put off by all the negative views some people give Vanguard's customer service. I have had nothing but GREAT experiences every time I have had to call. NEVER once did I have a bad experience. Some folks may possibly come across...
by ScooterBob
Mon Aug 12, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 16270

Re: Wellesley 56.05% drop today

This actually is a good time to check your balances at Vanguard just to see how you "feel" about the drop that is listed. Of course this is a glitch and will be fixed but it is also sort of a gut check to see if the number you see on your balances truly reflects your risk tolerance. Down 30% in one ...
by ScooterBob
Sat Jun 08, 2019 8:47 pm
Forum: Personal Investments
Topic: Fund Timing/Exchange question
Replies: 2
Views: 224

Re: Fund Timing/Exchange question

Since this is in an account that doesn't have tax consequences for this exchange, there are no issues with timing of the quarterly distribution at all that I can see. Thanks for the response. I think I'll start on making this change over the next couple of weeks. If it hits after the distribution n...
by ScooterBob
Sat Jun 08, 2019 7:59 pm
Forum: Personal Investments
Topic: Fund Timing/Exchange question
Replies: 2
Views: 224

Fund Timing/Exchange question

Its time to change my AA and I'd like to start making some changes soon but have a question first. I'm currently using Vanguard Balanced Fund (vbiax) which has a 60/40 allocation of all U.S. stocks/bonds. I would like to start going a bit more conservative by adding some Wellesley. I know that Welle...
by ScooterBob
Thu Apr 25, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Savings account
Replies: 6
Views: 948

Re: Bank Savings account

Simplifying life. Closed it. I see no need to let money just sit somewhere for no good reason.
by ScooterBob
Thu Apr 25, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Savings account
Replies: 6
Views: 948

Re: Bank Savings account

Interesting thought about the Medallion. I needed a signature twice in the past five years and they wouldn't do it. I got sent all over the place- even the home office. No one had the "cojones" to do this service. I had to call my brokerage and work around the need for that signature. Hence one of t...
by ScooterBob
Thu Apr 25, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Savings account
Replies: 6
Views: 948

Bank Savings account

I have a very (VERY) small "savings account" at a local bank. I've had it since I was a kid but just keep basically the minimum in there. Is there any good reason to keep this open? I haven't really used it in years. I add to it on occasion then transfer some to checking for use. I always thought it...
by ScooterBob
Tue Mar 26, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 9546

Re: Tattoos and Bogleheads

No tattoos here. My nieces both have them... my dad passed prior to them getting them. I can't imagine what he would have told them.... I know its mostly a generational thing- it seems most people under 40 now have them. One of my friends (same age as me) has one but no one else in my circle does. I...
by ScooterBob
Thu Feb 21, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question [2002 Nissan Sentra]

LadyGeek wrote:
Thu Feb 21, 2019 5:17 pm
If the air temperature is above 50 deg or so, may I recommend going the full "deluxe" treatment and throw in a wax?
She'll get the finest driveway wash in 43 degree weather a guy with a bad cold can give her!

Bob
by ScooterBob
Thu Feb 21, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question [2002 Nissan Sentra]

The Mighty Sentra rides again! I did have them put a new fuel pump in there too since everything was all apart. She's back to normal now. Let's hope everything else holds up for awhile to make this the right decision. I think it will be. I'll treat her to a bath tomorrow and go forward. Sure felt go...
by ScooterBob
Tue Feb 19, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Old car repair.. Justifiable?
Replies: 14
Views: 1014

Re: Old car repair.. Justifiable?

I started a similar thread a couple days ago. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=273046&start=50 I'm still waiting for the shop to call to pick it up. I'm in no rush but tomorrow we are supposed to have a winter storm. I'd rather have the car that is being fixed on the road than o...
by ScooterBob
Tue Feb 19, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question [2002 Nissan Sentra]

Taking off soon to find someone to do this job other than the shop that gave me that $1000.00+ estimate. It's really dripping now. This has to be sorted one way or another today. Most folks here rightly think the car may be totally rusted because of my location and the car's age, but the rest of th...
by ScooterBob
Mon Feb 18, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question [2002 Nissan Sentra]

Decided to do it. It is now in the shop awaiting the new tank and straps. Went to about 7 shops this morning. Most were in the $800 range. Some higher. Went with a smaller busy shop that offered me a ride home. Sold! $811.50. If the car can make it another year- trouble free I'll be even further ahe...
by ScooterBob
Mon Feb 18, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question [2002 Nissan Sentra]

Taking off soon to find someone to do this job other than the shop that gave me that $1000.00+ estimate. It's really dripping now. This has to be sorted one way or another today. Most folks here rightly think the car may be totally rusted because of my location and the car's age, but the rest of the...
by ScooterBob
Sat Feb 16, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question

If the tank is failing from rust it is likely that everything else under the car is also questionable. This includes fuel lines, brake lines and floor pans as well as suspension parts. It's probably worth having somebody check that the car really is in the good condition you think it is. Some of th...
by ScooterBob
Sat Feb 16, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question

The gas tank at Rock Auto is $200. Whoever is telling you $500 for a tank is on crack. You are absolutely right! $200 and change. I searched myself this afternoon and was finding $380 plus $40 for the straps. At RockAuto I can get the whole thing plus the gaskets for $215.00. I am going to check wi...
by ScooterBob
Fri Feb 15, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question

The gas tank at Rock Auto is $200. Whoever is telling you $500 for a tank is on crack. You are absolutely right! $200 and change. I searched myself this afternoon and was finding $380 plus $40 for the straps. At RockAuto I can get the whole thing plus the gaskets for $215.00. I am going to check wi...
by ScooterBob
Fri Feb 15, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Re: Another "Is it worth it to fix" question

Thought of using a junk yard tank initially but then thought that one would probably be in the same shape as mine or worse. If someone could find one not rusted through, how would the inside look? One piece of rust breaking free and getting into the fuel system could spell disaster to the injectors....
by ScooterBob
Fri Feb 15, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4396

Another "Is it worth it to fix" question [2002 Nissan Sentra]

Trying to determine what to do here. I have a 2002 Nissan Sentra that needs a fuel tank. Sounds simple, no? A fuel tank for this particular car is very expensive in relation to the type of car it is. Labor on top of it is making me think I should junk the car. A shame, really, since the car is in pr...
by ScooterBob
Mon Feb 04, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsides and COBRA offer
Replies: 4
Views: 306

Re: ACA subsides and COBRA offer

furwut is correct. COBRA does not count as a 'job-based health care plan since you have no job. Instead, it is continuation coverage of your former job-based coverage. Ahhhhhh, I wonder why the rep at the Marketplace referred me to that page in the first place? You're absolutely right that it is no...
by ScooterBob
Mon Feb 04, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsides and COBRA offer
Replies: 4
Views: 306

Re: ACA subsides and COBRA offer

Thanks for the info. Here's a link to show exactly what I am talking about. I was offered COBRA but turned it down because of the costs- and the costs were high enough to be considered not affordable. How will the IRS no that the cost for COBRA was not affordable in MY situation? https://www.healthc...
by ScooterBob
Mon Feb 04, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsides and COBRA offer
Replies: 4
Views: 306

ACA subsides and COBRA offer

I have a question regarding ACA. Here's the situation: I "retired" last April (early) and purchased a policy via the Marketplace for my wife and I. This was in effect from May through December of 2018. I was offered COBRA but the costs for just ME (this is in accordance with ACA rules) was 20% of ou...
by ScooterBob
Mon Dec 10, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5391

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

Looking for them too. I think the November 12th cap gains numbers came out in the early afternoon (EST). Should be available very soon.

Bob
by ScooterBob
Fri Nov 09, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 8171

Re: Too many choices for my next TRUCK

From what I have been told by friends that have them, you cannot go wrong with either the Toyota, Nissan, Ford, or GM. The Dodge- I have 3 friends that have them- all have problems. One guy will tell you its the greatest truck he ever owned and that its the greatest ever made, but his brother told m...
by ScooterBob
Tue May 22, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 3067

Re: Time For New Car?

As for the dude who poo-poos the latest safety upgrades, I submit that they are nothing short of breathtaking. The Insurance Institute for Highway Safety agrees. In the approximate order of importance they are: Autonomous emergency braking Backup camera Rear collision mitigation Lane keeping assist...
by ScooterBob
Mon May 21, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 3067

Re: Time For New Car?

I'd keep it. Sounds like it could also be the strut bearings or the cv joints. If the steering wheel tends to stick and tries to remain going in the direction of a sharp turn - it could be the strut bearings clanking. If it clanks going in one direction more so than the other (making turns) could be...
by ScooterBob
Tue May 15, 2018 9:31 am
Forum: US Chapters
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 14368

Re: Yes, I'm 89 all right!

Its surreal to be reading a post by my one and only hero. My friend's 25th wedding anniversary was on the 8th and I asked him if he is taking his wife to dinner to "celebrate Jack's birthday?".... He said "Yeah, but I'll tell the wife its for our 25th"...

Continued good health Mr. Bogle!

Bob
by ScooterBob
Mon May 14, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Sumitomo Tires
Replies: 8
Views: 2367

Re: Sumitomo Tires

I have a set of Sumitomos on my car. LS model. They are probably the best tires I ever bought regardless of price. I have Michelins on my other car that are comparable but will cost WAY MORE if I replace them with the same tires. The Sumitomos transformed my car when I put them on. Highly recommend ...
by ScooterBob
Wed May 09, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2604
Views: 1677426

Re: The Three-Fund Portfolio or a Target Fund?

This is probably a very rookie question (and if it's misplaced, apologies in advance) - but what is the advantage of going with a three-fund portfolio (US equity/non-US equity/fixed income) vs. a single target fund? shorekat14: It is not a "rookie" question because the Three-Fund and a low-cost Tar...
by ScooterBob
Wed May 09, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2604
Views: 1677426

Re: The Three-Fund Portfolio or a Target Fund?

This is probably a very rookie question (and if it's misplaced, apologies in advance) - but what is the advantage of going with a three-fund portfolio (US equity/non-US equity/fixed income) vs. a single target fund? shorekat14: It is not a "rookie" question because the Three-Fund and a low-cost Tar...
by ScooterBob
Mon May 07, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA: Anyone know if you qualify if you resign?
Replies: 13
Views: 1566

Re: COBRA: Anyone know if you qualify if you resign?

Yes- first hand knowledge...I worked in a department that got this ready for folks that quit...

Bob
by ScooterBob
Wed May 02, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 14177

Re: Have you quit eating sugar? Tell me how!

The way to stop (or at least cut WAY back) eating sugar? Go get your fasting glucose checked. If it comes back above 100 you'll be motivated to get it and most everything else that makes your blood glucose spike out of your diet. Think wheat bread...that will make it spike more than you can imagine....
by ScooterBob
Thu Apr 19, 2018 12:23 pm
Forum: Personal Investments
Topic: Balanced vs 2025 vs 2 fund portfolio
Replies: 8
Views: 1981

Re: Balanced vs 2025 vs 2 fund portfolio

VERY limited funds to chose from. Just recently they added Blackrock target date funds. These are the ones that have the low expenses. Everything else is around 1% or higher. I know there are some benefits to leaving it in a 403(b)- better isolation from creditors etc. but leaving it there I would b...
by ScooterBob
Thu Apr 19, 2018 10:15 am
Forum: Personal Investments
Topic: Balanced vs 2025 vs 2 fund portfolio
Replies: 8
Views: 1981

Re: Balanced vs 2025 vs 2 fund portfolio

I read some of these discussions in the past regarding withdrawals in during a down period. I questioned it again to see if the rule of thought may have changed since those discussions took place. I am still a few years away from tapping these funds so there is no immediate need. I do want to simpli...
by ScooterBob
Wed Apr 18, 2018 8:18 pm
Forum: Personal Investments
Topic: Balanced vs 2025 vs 2 fund portfolio
Replies: 8
Views: 1981

Re: Balanced vs 2025 vs 2 fund portfolio

I think deep down this is what I have been leaning towards. I do like the simplicity and you make a good point that being in a tax deferred account making changes isn't as big as a deal as in a taxable account. Also being in VIABX it would give me less of chance to tinker. Of course we all know that...
by ScooterBob
Wed Apr 18, 2018 6:54 pm
Forum: Personal Investments
Topic: Balanced vs 2025 vs 2 fund portfolio
Replies: 8
Views: 1981

Balanced vs 2025 vs 2 fund portfolio

I'm going to be doing some consolidating of my (tax deferred) portfolio and would like to basically do this once. Right now I have a portion in Vanguard Balanced Admiral and 2025 investor shares. I also am "retiring" next week and will take my 403(b) and combine it into my Vanguard account. I'm deba...
by ScooterBob
Fri Apr 06, 2018 2:25 pm
Forum: Personal Investments
Topic: net expense ratio 3 fund portfolio
Replies: 2
Views: 401

Re: net expense ratio 3 fund portfolio

Thanks, makes sense. I'm battling the real flu and couldn't put that together.... I'll end up with the portfolio that I prefer and save some $ on expenses so its a win-win.

Bob
by ScooterBob
Fri Apr 06, 2018 12:32 pm
Forum: Personal Investments
Topic: net expense ratio 3 fund portfolio
Replies: 2
Views: 401

net expense ratio 3 fund portfolio

I'm thinking about converting my tax advantaged accounts to a simple three fund portfolio which would consist of: 48% VTSAX- expense .04% 12% VTIAX- expense .11% 40% VBTLX- expense .05% My brain doesn't seem to be working right now so I am asking for some help. What would my net expense ratio be usi...
by ScooterBob
Tue Feb 13, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 3898

Re: The value of car body repairs/upkeep of older cars?

I was in the same position as you -also with a Nissan- a couple years ago. I have a 2002 Sentra that was starting to have a bit of rust. The dogleg on the passenger side was going along with a spot on the rocker on the same side. That one was more underneath than on the side. Both were getting bad q...
by ScooterBob
Fri Jan 05, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 5748

Re: Downsizing to one car in retirement...

I'm a year or so from "retiring" and we've already said we are going to one car when my car-16 years old- finally dies. It still looks and runs like new even in the harsh winter environment we live in so it will hopefully not be too soon. Having one car will save room in the garage, cut expenses, an...
by ScooterBob
Mon Apr 17, 2017 8:23 pm
Forum: Personal Investments
Topic: All in with Balanced Index fund
Replies: 52
Views: 10784

Re: All in with Balanced Index fund

VBIAX has a net expense of .08! It truly is a great fund for someone looking for a 60/40 asset allocation. Not a big fan of international either so this fund fits the bill. It's a good set it and forget it fund.

Bob
by ScooterBob
Sun Jan 29, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 4844

Re: Nissan? (Cars.)

I've had a few Nissans and still have my 15 year old "Mighty" Sentra. Absolutely love that car. Just put a new battery and had new brakes installed front and rear. She's ready for the year. The Nissans were all great cars. I've had Volkswagens (they can go a long way but will break and they are EXPE...
by ScooterBob
Tue Jan 24, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Why is Lexus not fixing its air bags?
Replies: 8
Views: 1299

Re: Why is Lexus not fixing its air bags?

I got a notice a couple years ago for my Nissan Sentra. I waited forever to make an appointment so Nissan kept contacting me. They even promised a loaner car for me while mine was being fixed! Couldn't believe the customer service. I take the car to the dealer and told the guy that any loaner will d...