Search found 169 matches

by ScooterBob
Wed Jul 22, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 14858

Re: Retirees, share your epiphanies..

I'll share this post of mine from 2015, hoping it may be helpful: by protagonist » Thu Jul 30, 2015 10:39 am I'm 63. Last week I had a heart attack on the way to the airport to play music abroad. I'm 6'1" and I weigh 162. I work out regularly (rode 30 miles on my bike the day before the incident). ...
by ScooterBob
Wed Jul 15, 2020 12:13 pm
Forum: Personal Investments
Topic: Assistance with AA Adjustment-Wellesley
Replies: 13
Views: 875

Re: Assistance with AA Adjustment-Wellesley

kiss, just xfr from the balanced index into wellesley Thought about doing that! I had it as one of my options but I still lean towards indexing overall. Plan A was to just reduce Balanced and transfer some to Wellesley. Plan B was to just go all-in with Wellesley. Plan C was to split Balanced into ...
by ScooterBob
Wed Jul 15, 2020 7:19 am
Forum: Personal Investments
Topic: Assistance with AA Adjustment-Wellesley
Replies: 13
Views: 875

Re: Assistance with AA Adjustment-Wellesley

kiss, just xfr from the balanced index into wellesley Thought about doing that! I had it as one of my options but I still lean towards indexing overall. Plan A was to just reduce Balanced and transfer some to Wellesley. Plan B was to just go all-in with Wellesley. Plan C was to split Balanced into ...
by ScooterBob
Tue Jul 14, 2020 6:18 pm
Forum: Personal Investments
Topic: Assistance with AA Adjustment-Wellesley
Replies: 13
Views: 875

Re: Assistance with AA Adjustment-Wellesley

Done! Feels great to go more conservative at this point in time. I know this move isn't for everyone, but for me it's a relief to be able to do this. I was trying to get it done pre-Covid but things usually always work out. Thank you Bogleheads for all the guidance over the years.... To newbies: rea...
by ScooterBob
Tue Jul 14, 2020 12:41 pm
Forum: Personal Investments
Topic: Assistance with AA Adjustment-Wellesley
Replies: 13
Views: 875

Re: Assistance with AA Adjustment-Wellesley

tibbitts wrote:
Tue Jul 14, 2020 10:13 am
ScooterBob wrote:
Tue Jul 14, 2020 8:58 am
Still deciding between the S&P 500 index or Total Stock.
I suggest not spending as much time deciding between them as you spent typing those words.
LOL! I know they have about the same long term results. I am going with the S&P... :beer
by ScooterBob
Tue Jul 14, 2020 9:20 am
Forum: Personal Investments
Topic: Assistance with AA Adjustment-Wellesley
Replies: 13
Views: 875

Re: Assistance with AA Adjustment-Wellesley

kiss, just xfr from the balanced index into wellesley Thought about doing that! I had it as one of my options but I still lean towards indexing overall. Plan A was to just reduce Balanced and transfer some to Wellesley. Plan B was to just go all-in with Wellesley. Plan C was to split Balanced into ...
by ScooterBob
Tue Jul 14, 2020 8:58 am
Forum: Personal Investments
Topic: Assistance with AA Adjustment-Wellesley
Replies: 13
Views: 875

Re: Assistance with AA Adjustment-Wellesley

I do hold Balanced Index in taxable along with it being in my tax advantaged accounts. The shares in taxable will have to stay put for now. There's a cap gain that I don't want to take all at once. I've been taking that account down bit by bit for the past three years. Everything I'm "adjusting" is ...
by ScooterBob
Tue Jul 14, 2020 7:59 am
Forum: Personal Investments
Topic: Assistance with AA Adjustment-Wellesley
Replies: 13
Views: 875

Assistance with AA Adjustment-Wellesley

I've been using a blend of Wellesley and the Balanced Index for the past couple of years. Before Covid struck, I was in the process of realigning our AA to get to a more conservative number but the Crisis struck before I got to where I wanted to be. I'm now in a position to finish what I started but...
by ScooterBob
Thu May 07, 2020 12:42 pm
Forum: Personal Investments
Topic: Drawbacks to chasing savings account bonuses?
Replies: 28
Views: 2265

Re: Drawbacks to chasing savings account bonuses?

The hassle of opening a new account is the main concern. If you have your credit frozen, you might have to unfreeze it. If you needed to use the money you might lose the bonus if you did not keep it with the bank for the requisite period. By having your info with yet another financial institution, ...
by ScooterBob
Mon May 04, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9656

Re: Amazon Prime Membership Question

Very happy with Prime. There have been only a couple delays on items we have purchased. Everything is usually here in ONE day as opposed to the normal two. My wife watches tons of stuff on Prime video since we've been locked down. Amazon has gone above and beyond every time we had reason to call wit...
by ScooterBob
Tue Apr 21, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6515

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

To the O.P. IF you are being persuaded by folks telling you to check out a Mazda 3 or a Subaru, please go to a Mazda and Subaru dealer, preferably while the dealership is closed, and check the visual quality control. I'm a "car guy" and I'm VERY particular about my cars. I looked at Mazdas and coul...
by ScooterBob
Tue Apr 21, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6515

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

To the O.P. IF you are being persuaded by folks telling you to check out a Mazda 3 or a Subaru, please go to a Mazda and Subaru dealer, preferably while the dealership is closed, and check the visual quality control. I'm a "car guy" and I'm VERY particular about my cars. I looked at Mazdas and could...
by ScooterBob
Tue Apr 21, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6515

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

If you like "bigger" and "more comfortable" then get the Camry. I have one, bullet proof, and extremely comfortable. It's a 2014.5 and is plenty quick and the gas mileage is off the charts. It does ride and drive like a comfortable car that it is. I am considering getting a Corolla for myself as I l...
by ScooterBob
Fri Apr 10, 2020 1:18 pm
Forum: Investing - Theory, News & General
Topic: Am I being dumb ["standing and doing nothing"]?
Replies: 43
Views: 4017

Re: Am I being dumb?

Nope. Not being dumb... What you are doing is in my opinion the correct way to handle this. I've also noticed that some others are trying to use this situation to "beat the market-conditions". If you are comfortable with your AA and it seems you are- as I am also, just standing there is what to do. ...
by ScooterBob
Mon Apr 06, 2020 3:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2020 distribution schedule
Replies: 9
Views: 1002

Re: Vanguard 2020 distribution schedule

Thanks for the link.

Bob
by ScooterBob
Fri Mar 27, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2383

Re: Leaky kitchen sink in middle of Pandemic

We are having a problem with our chimney leaking into the fireplace. What a time for this....Supposed to storm the next two days. I went up there today and put silicon on the cracks on the crown that I could see. Hopefully that will stop any leaks until this is all over so I can have a pro come out ...
by ScooterBob
Wed Mar 25, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1858

Re: My treadmill broke. Now what?

Just bought a Concept 2 rower. Love it! Built like a tank and easy to move or store. +1 I have one and is a very good cardio workout. It uses almost every muscle. It won't "build" muscle but will make you more "athletic" for lack of a better term. Its a hell of a workout. I bike, use dumbells, kett...
by ScooterBob
Sat Mar 21, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Need a new car, please help given COVID-19
Replies: 44
Views: 3095

Re: Need a new car, please help given COVID-19

Given a quick search, it looks like Nissan's are the some of the cheapest used cars that are only a few years old - is there a reason to avoid them? It's been a long while since i bought (2012), but pretty much every maker with maybe one or two exceptions had a poor model or two from reliability, i...
by ScooterBob
Wed Mar 18, 2020 4:54 pm
Forum: Investing - Theory, News & General
Topic: What Would Jack Bogle Do?
Replies: 45
Views: 3310

Re: What Would Jack Bogle Do?

This is why I said awhile back it would be great to hear from Mr. Bogle...

viewtopic.php?f=10&t=306242&p=5072661#p5072661

Thanks for the link.

Bob
by ScooterBob
Wed Mar 11, 2020 4:58 pm
Forum: Investing - Theory, News & General
Topic: Sure wish Jack was here to opine
Replies: 54
Views: 4336

Re: Sure wish Jack was here to opine

Still have all my shares too! As of tonight, I'm down 9.2% from the highs. Not too bad. I could have gotten that better but the Coronavirus got here too quickly. Not touching a thing- Just riding it out. :beer
by ScooterBob
Wed Mar 11, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard First Quarter 2020 distribution schedule
Replies: 26
Views: 1677

Re: Vanguard First Quarter 2020 distribution schedule

From memory, they usually announce around the 12th of the month in the afternoon. I'm betting they are overwhelmed with the increased volume from what is going on in the market. As an aside, I had reason to call there yesterday and the service was outstanding as it has always been for me.

Bob
by ScooterBob
Mon Mar 09, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Dealer wants $350+tax for repair. Doesn't seem right... I believe it is a warranty issue
Replies: 40
Views: 2146

Re: Dealer wants $350+tax for repair. Doesn't seem right... I believe it is a warranty issue

Just replace the PCV valve. In fact, you can remove it and test to see if it's working by shaking it. If it doesn't make any noise then it's probably bad. Not sure why you'd have to reprogram the PCM for something like that. Have you checked the appropriate forums for your car? You'll get much bett...
by ScooterBob
Sat Mar 07, 2020 8:03 pm
Forum: Investing - Theory, News & General
Topic: Sure wish Jack was here to opine
Replies: 54
Views: 4336

Re: Sure wish Jack was here to opine

Definitely not scared with this in any way. Really. Just would be comforting- especially for some folks here to hear Mr. Bogle's thoughts. I am reading about a lot of panicking here. Younger investors that haven't been through things like this I can understand, but seasoned investors shouldn't be p...
by ScooterBob
Sat Mar 07, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: Sure wish Jack was here to opine
Replies: 54
Views: 4336

Re: Sure wish Jack was here to opine

Definitely not scared with this in any way. Really. Just would be comforting- especially for some folks here to hear Mr. Bogle's thoughts. I am reading about a lot of panicking here. Younger investors that haven't been through things like this I can understand, but seasoned investors shouldn't be p...
by ScooterBob
Sat Mar 07, 2020 7:19 pm
Forum: Investing - Theory, News & General
Topic: VG supplemental fund distributions
Replies: 2
Views: 225

Re: VG supplemental fund distributions

VG Estimated supplemental fund distributions announcement The Vanguard funds listed in the PDF below earned taxable income, realized capital gains, or both for their fiscal years ended December 31, 2019, or January 31, 2020, in excess of the amounts distributed in December 2019. The remaining taxab...
by ScooterBob
Sat Mar 07, 2020 7:16 pm
Forum: Investing - Theory, News & General
Topic: Sure wish Jack was here to opine
Replies: 54
Views: 4336

Re: Sure wish Jack was here to opine

I was just telling my wife last week it sure would be nice to hear Jack's views of what is going on. This Corona virus scare, interest rates heading to zero, etc. In my opinion, the Corona virus scare will pass and the implications that it is currently creating will pass in a quarter or two. I woul...
by ScooterBob
Sat Mar 07, 2020 7:10 pm
Forum: Investing - Theory, News & General
Topic: Sure wish Jack was here to opine
Replies: 54
Views: 4336

Re: Sure wish Jack was here to opine

True! I would love to hear his thoughts specifically regarding the bond market going forward. I think I know what he'd say but since this is a near historic occurrence with rates, it would be interesting to hear in his voice his thoughts. I'm not doing anything different. I've thought things through...
by ScooterBob
Sat Mar 07, 2020 6:55 pm
Forum: Investing - Theory, News & General
Topic: Sure wish Jack was here to opine
Replies: 54
Views: 4336

Sure wish Jack was here to opine

I was just telling my wife last week it sure would be nice to hear Jack's views of what is going on. This Corona virus scare, interest rates heading to zero, etc. In my opinion, the Corona virus scare will pass and the implications that it is currently creating will pass in a quarter or two. I would...
by ScooterBob
Thu Mar 05, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Yet another mysterious unsolved problem with the Honda CRV [Infotainment Screen]
Replies: 38
Views: 3100

Re: Yet another mysterious unsolved problem with the Honda CRV [Infotainment Screen]

Interesting that you heard that Honda would not fix it because the display was made by an outside company. That really can't be right and would open Honda to lawsuits. All cars are made up of many parts sourced from outside concerns. If they pull that on you ask about the many other parts on the car...
by ScooterBob
Wed Mar 04, 2020 4:26 pm
Forum: Personal Investments
Topic: Ex-Dividend date dumb question
Replies: 25
Views: 1171

Re: Ex-Dividend date dumb question

This is what I was talking about. This is from Vanguard. The price of the security can fluctuate between the record date and the actual ex-dividend date by market actions. I NEVER buy the dividend myself but I thought that I had the concept down. Maybe not... https://investor.vanguard.com/investing/...
by ScooterBob
Wed Mar 04, 2020 4:00 pm
Forum: Personal Investments
Topic: Ex-Dividend date dumb question
Replies: 25
Views: 1171

Re: Ex-Dividend date dumb question

What matters is the ex-div date. If you buy before that date, you'll get the dividends. If you buy on the ex-div date, or later you won't. That's why on the ex-div date the stock begins trading at a lower value (ceteris paribus). Isn't the "record date" what is important here? I thought you had to ...
by ScooterBob
Wed Mar 04, 2020 3:53 pm
Forum: Personal Investments
Topic: Ex-Dividend date dumb question
Replies: 25
Views: 1171

Re: Ex-Dividend date dumb question

Zacks claims here that the only thing that matters is the record date, not the settlement date. So in my hypothetical scenario, I would indeed "own" BIGCO for purposes of ex-dividend, even though the trade hadn't been settled. But the "record Date" could be 3 days - for example - before the ex-divi...
by ScooterBob
Wed Mar 04, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Yet another mysterious unsolved problem with the Honda CRV [Infotainment Screen]
Replies: 38
Views: 3100

Re: Yet another mysterious unsolved problem with the Honda CRV [Infotainment Screen]

You have the patience of a saint! I would have traded/sold that piece of junk a year ago. I know you post here to either get info and/or to inform others what they "may" be getting by purchasing a CRV but the reality is that life is too short to put up with a constant annoyance. Sometime the best fi...
by ScooterBob
Tue Mar 03, 2020 8:35 am
Forum: Investing - Theory, News & General
Topic: Is this the start of the dead cat bounce?
Replies: 147
Views: 11755

Re: Is this the start of the dead cat bounce?

I can say with 100% certainty, that nobody knows whether yesterday was a "dead cat bounce". If the cat is dead, then yeah it wouldn't know if it bounced. If the cat is alive, it would know if it bounced. But if it were alive, it definitely would not be a dead cat bounce. Either way... This is a dri...
by ScooterBob
Fri Feb 28, 2020 7:16 pm
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 4758

Re: Are you glad to have bonds in your AA? I am.

I have just slightly more bonds than you but really wish I had more. I was in the process (over the past few months) of adding more but the downturn beat me to the punch. Talked to a friend today that is older than me but has 85% stocks. He took a beating and is kicking himself. It will come back......
by ScooterBob
Fri Feb 28, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: Percentage Gain/Loss for your Asset allocation during downturn
Replies: 6
Views: 498

Re: Percentage change for your Asset allocation

Ended up down 5.2% since 2/19. Not toooo bad, but I was a bit disappointed in how Wellesley acted today- it was down more than the Balanced fund. Somewhat of a rebound towards the end of the day. Interesting move since that leads into the weekend.

Bob
by ScooterBob
Thu Feb 27, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: Percentage Gain/Loss for your Asset allocation during downturn
Replies: 6
Views: 498

Re: Percentage change for your Asset allocation

Has anyone checked their percentage loss (or gain) since this thing started? I did a quick check of the numbers this evening and my portfolio is down 4.8% since last Thursday. Today of course was the worst day so far. My asset allocation is 46.9/53.1. With the overall market down a bit more than 10...
by ScooterBob
Thu Feb 27, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19465
Views: 2696181

Re: U.S. stocks in free fall

My vote is that it will be up for the day by end of trading tomorrow. Doubt that one. With the way this market is spooked, traders don't want to hold over the weekend for fear of what might be announced. I do think this is way overblown. The market has been "looking" for a reason to correct and thi...
by ScooterBob
Thu Feb 27, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: Percentage Gain/Loss for your Asset allocation during downturn
Replies: 6
Views: 498

Percentage Gain/Loss for your Asset allocation during downturn

Has anyone checked their percentage loss (or gain) since this thing started? I did a quick check of the numbers this evening and my portfolio is down 4.8% since last Thursday. Today of course was the worst day so far. My asset allocation is 46.9/53.1. With the overall market down a bit more than 10%...
by ScooterBob
Sat Feb 15, 2020 7:09 pm
Forum: Personal Investments
Topic: I feel my AA is a little high
Replies: 26
Views: 2368

Re: I feel my AA is a little high

I'm slightly older than you. I retired at 54 and was around 65/35 at that point. I'm now down to 46.9/53.1. I'm in the process of working that down to 40/60. No reason to take unnecessary chances at this point. I am also investing with a realistic life expectancy time frame in mind. I don't invest w...
by ScooterBob
Fri Feb 07, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27775

Re: What is the best concert you ever witnessed?

Anyone see the Rolling Stones in the last few years, if so how was it? They are coming to my hometown Cleveland, but I fear I'm too late I mean, how is Keith Richards still alive anyways Personally, I wouldn't pay to see them at this point. As with almost everything in life, you have to know when t...
by ScooterBob
Thu Feb 06, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27775

Re: What is the best concert you ever witnessed?

Toto a couple years ago. Outstanding musicians. Most underrated band of all time. Look up the history of the individual players on almost EVERYTHING you heard in the late 70's, 80's, etc. Some of the best studio musicians ever. Should be in the rock and roll hall of fame.... Bob Funny... these guys...
by ScooterBob
Thu Feb 06, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27775

Re: What is the best concert you ever witnessed?

Toto a couple years ago. Outstanding musicians. Most underrated band of all time. Look up the history of the individual players on almost EVERYTHING you heard in the late 70's, 80's, etc. Some of the best studio musicians ever. Should be in the rock and roll hall of fame....

Bob
by ScooterBob
Fri Jan 17, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: Why did Wellesley fund do so well this year?
Replies: 19
Views: 4141

Re: Why did Wellesley fund do so well this year?

I blend it with the VBIAX (Vanguard Balanced Fund) to get to approximately 50/50 AA. Has been working very well as one would imagine. I see many folks attack Wellesley - not for what it is and is supposed to do- but as an investment comparison to the total stock market. That is comparing apples to o...
by ScooterBob
Mon Jan 13, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: ACA ... Asset Allocation backed in a corner
Replies: 65
Views: 4284

Re: ACA ... Asset Allocation backed in a corner

Thanks for the clarification. I understand what the "real" cliff is with the ACA- wasn't sure of the amounts for married, single, etc. A friend of mine is battling with keeping his income low to get the full amount of subsides. That seems kind of self defeating to me to a point- limiting income (wh...
by ScooterBob
Mon Jan 13, 2020 6:54 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 798
Views: 44031

Re: What are you listening to now

Gino Vannelli "Brother to Brother" on Youtube as I surf. Great voice and the musicianship is outstanding.

Bob
by ScooterBob
Mon Jan 13, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: ACA ... Asset Allocation backed in a corner
Replies: 65
Views: 4284

Re: ACA ... Asset Allocation backed in a corner

Thanks for the clarification. I understand what the "real" cliff is with the ACA- wasn't sure of the amounts for married, single, etc. A friend of mine is battling with keeping his income low to get the full amount of subsides. That seems kind of self defeating to me to a point- limiting income (whi...
by ScooterBob
Mon Jan 13, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: ACA ... Asset Allocation backed in a corner
Replies: 65
Views: 4284

Re: ACA ... Asset Allocation backed in a corner

Are you referring to the "cliff" on the high side where you would not receive ANY subsides, or are you referring to your own "personal" cliff where if you go over a certain amount of income - be it from dividends, capital gains, etc.- that you will no longer receive a full subsidy and will have to s...
by ScooterBob
Tue Dec 31, 2019 6:51 pm
Forum: Investing - Theory, News & General
Topic: ‘It Bogles the mind’ — Where’s Jack Bogle?
Replies: 22
Views: 2287

Re: ‘It Bogles the mind’ — Where’s Jack Bogle?

You'd be amazed at how many people don't invest using low cost index funds. They've been sold the line that investing is hard. Somehow, I still feel that we are not getting Jack's message out to the wider world. +1- Even here-people try to reinvent the wheel.... What is your opinion of the wheel? I...