Search found 60 matches

by SanityCheck
Thu Dec 10, 2020 7:06 pm
Forum: Personal Investments
Topic: 401k Choices (VG Wellington Being Removed)
Replies: 11
Views: 1117

Re: 401k Choices (VG Wellington Being Removed)

I decided to go 55% S&P Index and 45% Dodge & Cox Income to replace Wellington
by SanityCheck
Wed Dec 09, 2020 3:44 pm
Forum: Personal Investments
Topic: Retire at 65; Don't take Pension Until 70 ?
Replies: 12
Views: 1104

Retire at 65; Don't take Pension Until 70 ?

I am now age 64. My megacorp pension was "frozen" many years ago; and you basically get the same amount per year if you retire between 60 - 65. However; for every year between 65 - 70; the annual amount goes UP a very favorable 10 %. So, like I am planning to do for maxing Social Security;...
by SanityCheck
Wed Nov 11, 2020 10:08 am
Forum: Personal Investments
Topic: 401k Choices (VG Wellington Being Removed)
Replies: 11
Views: 1117

401k Choices (VG Wellington Being Removed)

So, my megacorp 401K is eliminating my current choice of "Vanguard Wellington" this December. Any funds will be automatically transferred to the Vanguard "Target Retirement Fund" closest to your age (for me it is the 2025 fund). We can transfer our funds now to other remaining fu...
by SanityCheck
Tue Oct 13, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Building a new house - Successes and regrets?
Replies: 53
Views: 5197

Re: Building a new house - Successes and regrets?

Once you get the room layouts finalized.....think about in advance - and document the location of every electric outlet, switch, cable drop etc. it will be easier once the framing goes up. Think about how you'll move throughout the house.....where you'll need 3 way type switches etc. Put in extra ou...
by SanityCheck
Thu Aug 27, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: CitiCard Double Cash Mastercard (Thankyou Points Conversion ?)
Replies: 16
Views: 1822

CitiCard Double Cash Mastercard (Thankyou Points Conversion ?)

Does anyone with this card fully understand the constant Citi marketing push to convert our cash rewards points into some type of "Thankyou Points" that can be used a certain retailers and to buy some type of gift cards. I just called Citi and got these fuzzy answers: "Is the conversi...
by SanityCheck
Thu Jan 02, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Boston condo purchase and renovation experience?
Replies: 21
Views: 1533

Re: Boston condo purchase and renovation experience?

Take your potential $1 million potential expenditure (condo cost plus renovation budget) and buy yourself a house in the nice Boston suburbs for much less cost (and avoid the "money pit" of renovating that ancient place) !
by SanityCheck
Tue Nov 12, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Condensate pump recommendations wanted
Replies: 7
Views: 795

Re: Condensate pump recommendations wanted

I've had real good luck with the Little Giant brand. Just occasionally clean out the basin and the check valve; and you should be "good" for a long time !
by SanityCheck
Thu Oct 31, 2019 2:50 pm
Forum: Personal Investments
Topic: Take Dividend Income From IRAs At 59.5?
Replies: 18
Views: 1419

Re: Take Dividend Income From IRAs At 59.5?

You can easily handle pulling out 1/4 of your annual dividends....then if you do get another job; reassess the situation.
by SanityCheck
Wed Oct 02, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Is It Too Late to Stain My House? (Massachusetts)
Replies: 10
Views: 1030

Re: Is It Too Late to Stain My House? (Massachusetts)

I vote "no go"....why risk a very expensive project; when there is a risk that the stain will not cure/set properly. You may even get temp's into the 30's by the time the job is finished.

How much is the job costing ?
by SanityCheck
Mon Aug 19, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: How late in life to buy long term disability at work?
Replies: 7
Views: 718

Re: How late in life to buy long term disability at work?

With my large corporate employer; we fully pay the premium, there is a 6 month waiting period for benefits....and these are the maximum benefits based on age (at some point I plan to drop the coverage): Your maximum benefit period is the later of your Social Security Normal Retirement Age or if, whe...
by SanityCheck
Wed Feb 06, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 3208

Re: Employer wants to borrow $50k

12-15 % rate of return ….fantastic....I say go for !!

What can possibly go wrong ?? (oh wait !; only about 10,000 potential snafu's...nevermind !)
by SanityCheck
Tue Jan 22, 2019 11:31 am
Forum: Personal Investments
Topic: Ally bank 1-year 2.75% CD or Vanguard VMLUX?
Replies: 19
Views: 3331

Re: Ally bank 1-year 2.75% CD or Vanguard VMLUX?

What is your marginal tax rate ? (so you can compare Tax Exempt to Taxable return)
by SanityCheck
Fri Dec 21, 2018 11:37 am
Forum: Personal Investments
Topic: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?
Replies: 7
Views: 676

Re: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?

I found my error......I was using number of share units (after) the distribution to do the math calculation.....when I should have used the number of units on the date of declaration ! I own more units now; but i had quite a few less units a couple of weeks ago. Now the math makes sense !
by SanityCheck
Fri Dec 21, 2018 11:13 am
Forum: Personal Investments
Topic: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?
Replies: 7
Views: 676

Re: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?

Good questions ! (answers in below) Does the price of the units equal the price quoted on the Vanguard website? (yes) Is the expense ratio charged by your 401k plan equivalent to that of Vanguard Admiral shares for Wellington? (I will need to dig into this) Did you actually confirm that the shares y...
by SanityCheck
Fri Dec 21, 2018 10:31 am
Forum: Personal Investments
Topic: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?
Replies: 7
Views: 676

VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?

I own VG Wellington in my megaCorp 401k. I believe it is the equivalent of the Wellington Admiral Shares; as the daily price tracks that amount. When there is a "distribution" from Vanguard...... My 401k just shows one big lump sum as "Dividend". I know this includes the real div...
by SanityCheck
Wed Dec 19, 2018 9:27 pm
Forum: Personal Investments
Topic: Colorado Stable Value Plus only 2.49% in 2019
Replies: 7
Views: 1374

Re: Colorado Stable Value Plus only 2.49% in 2019

I had used this Colorado 529 fund as an alternative to the low rates paid in the past on CD's. I have no need for the college tuition savings and it used to be a great deal in the past - even after paying the 10% tax penalty on the earnings. Unfortunately; the past couple years lower rates became th...
by SanityCheck
Wed Oct 17, 2018 1:20 pm
Forum: Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 955

"Breaking" a CD: On a Specific Date ??

I am looking to break a CD with a lower interest rate and move to a higher rate one. I have already run the calculator to prove that the move is beneficial. The current CD has interest credited monthly on the first of every month. There is 90 day 'Early Withdrawal Penalty" charged. Since I have...
by SanityCheck
Mon Oct 15, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: LTD Insurance via Employer: Even in Your 60's ?
Replies: 2
Views: 278

LTD Insurance via Employer: Even in Your 60's ?

What are your thoughts on continuing to sign up for LTD offered by your employer......when the insurance premium is fully paid by you; there is a 180 day waiting period; you are in your mid 60's, payments are for 66% of annual salary (tax free); but the payments stop at age 65 ? It seems like you re...
by SanityCheck
Sat Aug 18, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 126
Views: 27722

Re: The Fall of Consumer Reports

What is interesting is to read the Consumer Reports online reports for a specific product (say a lawnmower) ; and then immediately read some of the CR "User Reviews" for the same product on their website ......quite a lot of "disconnects" where CR loves the item; and real buyers ...
by SanityCheck
Sat Aug 18, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2657

Re: Soap for hand washing dishes

Use "Dawn Ultra"......much better than "Original" !!
by SanityCheck
Thu Jul 26, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 7863

Re: Home Theater vs. Soundbar

Great input and suggestions !....but I am looking for something unique and challenging from my home theater sound system.....I really want to install a sound system that...changes inane dialog, bad/lame scripts, and clownish talking head TV commentators into wonderfully flowing and meaningful words ...
by SanityCheck
Thu Jun 21, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 13863

Re: Surprise - Costco sells - but does not install vehicle batteries

AAA has a battery service....they will come to your house and change it in the driveway. Price was the same as buying a battery at a store. Batteries are made my Interstate (I believe) and come with a good warranty. Used them twice....very happy :happy In the process of changing the battery.....they...
by SanityCheck
Thu Jun 21, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2794

Re: 1st Car Mechanic service experience

Synthetic Oil/Filter change at local Honda Dealer $34.95 (with coupon). Includes top off of all fluids and a car wash......can't beat that price ! Any other service I go to my local independent mechanic.
by SanityCheck
Fri Apr 27, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Touch Up Paint on New Car
Replies: 10
Views: 1244

Re: Touch Up Paint on New Car

Wow ! So Subaru is now know for “thin” paint ??!
Any other brands out there with same situation ?
by SanityCheck
Wed Mar 21, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Kettlebell Swing experience?
Replies: 50
Views: 6291

Re: Kettlebell Swing experience?

I've been "two hand" swinging a 79 pound kettlebell for years !! .....it is great for really pushing up the intensity of your workouts. Is it the only exercise I do ?...No, it is one element of a cross training type routine that includes running, free weights, yoga etc. I also have lighter...
by SanityCheck
Tue Feb 27, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 5454

Re: "FREE" Employer Group Life - Really Costs You !

I know that some Megacorps will allow you to decline "FREE" employer-provided group life. The main reason for doing so, as you have indicated, is that the imputed taxable income may not be worth it. I haven't yet been in a situation where I would decline it but, like many things, there is...
by SanityCheck
Tue Feb 27, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 5454

Re: "FREE" Employer Group Life - Really Costs You !

OP, For the amount of coverage you are receiving, what would be the premiums from the same insurance company if you ask for quote individually? Would it be the $2100 annual premium or less or more? As I mentioned before....the "fake premium" number added back to your gross is based on an ...
by SanityCheck
Tue Feb 27, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 5454

"FREE" Employer Group Life - Really Costs You !

Has anyone ever taken a hard look at the whole "imputed Income" item on your W2 form ? This is where "income" is added back to your gross for tax purposes; namely the "premium" cost of employer provided Group Life over $50,000. My employer provides us 2X salary in group...
by SanityCheck
Wed Aug 23, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: At age 66, should let my $1MM life insurance policy lapse?
Replies: 32
Views: 5547

Re: At age 66, should let my $1MM life insurance policy lapse?

Are you still "working" and is anyone dependent on your monthly paycheck ?
by SanityCheck
Thu Jul 13, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 5172

Re: Fidelity layoffs

You're worried about a 1 % reduction in staff ? (corporations make changes like this all the time)
by SanityCheck
Sat Apr 01, 2017 11:32 am
Forum: Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 11533

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

Thanks for all the insightful feedback !.....the different perspectives were very helpful !
by SanityCheck
Fri Mar 31, 2017 10:28 am
Forum: Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 11533

Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

It is interesting to read the member contributions over the years about this fund; from a safety and security standpoint. There are certainly folks with concerns about any NAV movement, underlying security duration / credit risk etc. But then there are quite a few folks with this type of attitude; w...
by SanityCheck
Thu Mar 16, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 6121

Re: Help with rebuttal to a Facebook post

....just want to contribute few questions / commens: "Survivorship" bias ?? How many Amercian Funds crashed, burned, were merged or deleted during that same timeframe ? Is the S&P 500 really a good risk adjusted benchmark to compare against those 5 American funds ? And how did did the ...
by SanityCheck
Thu Mar 16, 2017 7:06 am
Forum: Personal Investments
Topic: Confirming reliable online banks for CDs
Replies: 8
Views: 1276

Re: Confirming reliable online banks for CDs

Looks like Andrews Federal Credit Union no longer offers its 3% (84 month) CD.......rate dropped to 2.2 % (effective 3/16/17)
by SanityCheck
Thu Dec 22, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 15954

Re: Reliable washer/dryer brands

The only real reliable washer these days is a "rock down by the river'" ; and a "rope between two trees" for a dryer ! Unfortunately, laundry appliances seem to be oriented around a 5-7 year obsolescence cycle purposely by the manufacturers. The days of Grandma getting 25 years o...
by SanityCheck
Thu Dec 22, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: WSJ $99 for 6 months -- worth it?
Replies: 62
Views: 11305

Re: WSJ $99 for 6 months -- worth it?

Pretty good newspaper ! .....but here is the secret to getting the most out of the WSJ: - Get the best deal you can on the on-line version. (don't bother with the print version...it takes forever to wade through all the paper / ads) - Sign up for the daily WSJ "In Today's Paper" email news...
by SanityCheck
Thu Dec 08, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 16212

Re: Vanguard's new "account overview" page... BOO!

I've heard Ameriprise has super pretty, perfectly aligned and formatted font proportioned pages........I suggest you move over there !
by SanityCheck
Tue Oct 25, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Purchase - Radon mitigation
Replies: 19
Views: 5155

Re: Condo Purchase - Radon mitigation

Radon's connection to lung cancer is pseudo science; and was extrapolated from some old study uranium miners who also smoked. Check out: http://www.forensic-applications.com/radon/radon.html There are also studies showing that INCREASED radon in homes results in LOWER rates of lung cancer. https://w...
by SanityCheck
Thu Aug 18, 2016 9:58 am
Forum: Personal Finance (Not Investing)
Topic: TaxCaster Interface
Replies: 22
Views: 2615

Re: TaxCaster Interface

Anybody know of a workable alternative "quick" tax calculator ? (or a way we can contact TurboTax with our feedback ? )
by SanityCheck
Thu Aug 18, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: TaxCaster Interface
Replies: 22
Views: 2615

Re: TaxCaster Interface

Horrible change in the interface......a giant step "backwards"......what the heck were they thinking ??
by SanityCheck
Mon Sep 28, 2015 10:58 am
Forum: Personal Investments
Topic: 2nd Home as Vacation Home Pros and Cons
Replies: 17
Views: 2349

Re: 2nd Home as Vacation Home Pros and Cons

Beside the cautions mentioned about.....sit down and do this analysis: 1) - How many nights will you really visit that second home per year ? 2) - What are the real annual costs (mortgage, Prop tax, heat, electricity, travel costs)? 3) What does this place cost me "per night"? (# 2 divided...
by SanityCheck
Tue Jul 28, 2015 11:01 am
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 88
Views: 12481

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

I always laugh when a poster like "Clive" says : " Own a home, which is like having a roof over your head with all rent paid in advance. The home value also provides a cushion in perhaps ultimately being sold in order to fund care in twilight years." .....they make it sound like ...
by SanityCheck
Fri Jul 24, 2015 8:30 am
Forum: Personal Consumer Issues
Topic: dehumidifer repair
Replies: 8
Views: 1228

Re: dehumidifer repair

Yes - time for a new one; these things are "disposable" . Or go on CraigsList and find an old running Kenore model. The old ones are more reliable
by SanityCheck
Wed May 13, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Received Comcast equipment at our house which we did not order
Replies: 25
Views: 3776

Re: Received Comcast equipment at our house which we did not order

Oh My !.....Comcast made an "error".....shocking !!!
by SanityCheck
Tue Apr 21, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 24072

Re: How much do you pay in Property Taxes?

In regard to this comment "Our place is about 2000 sq. ft., on an acre, and over 7k in property taxes. No income taxes, though. New Hampster"......I assume the OP means "New Hampshire". If so; there is an income tax ....5% of all Interest / Dividends (with $4800 exemption per cou...
by SanityCheck
Fri Mar 27, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 12099

Re: Sued and won for drycleaner losing suit, suit now found.

It is a valuable, magic - Wonder Woman suit ?? (just askin)
by SanityCheck
Thu Mar 19, 2015 1:44 pm
Forum: Personal Investments
Topic: Retiring soon ... help with setting up income stream?
Replies: 9
Views: 2375

Re: Retiring soon ... help with setting up income stream?

First of all; have you really sat down and prepared a comprehensive "Expense" chart showing ALL your annual costs (including health care) ? This needs to be your starting point for the next step...to prepare a withdrawal strategy to match up to your expense needs and determine the chances ...
by SanityCheck
Thu Mar 19, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 29
Views: 4201

Re: Long Term Care Insurance Premium Increase

Yes, I agree with the above comment........your company is losing money in their LTC insurance business unit. They really want to cancel everyone.....but don't want the backlash from a PR standpoint.....so they will price you out of the market. I predict very few insurers being left in this market i...
by SanityCheck
Thu Mar 12, 2015 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 12114

Re: Bonus received. But its not what was agreed upon. Advi

"Please, please , Step back from the ledge.......let's all talk about this serious issue.....come back inside and join the group counseling session !"
- Dr. Phil