Search found 608 matches

by david99
Sat Jul 14, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 50
Views: 5417

Re: Be Careful Using Mailboxes

I use the corner mailboxes every month or two. The last time I noticed the box only opened a few inches. I had a very small soft package that did not fit without forcing. Actually I assumed the mailbox was broken until I got to the next one and it also only opened only a few inches. This is new in ...
by david99
Fri Jul 13, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 92
Views: 6041

Re: What are you learning or studying?

1. Cooking/ healthy eating
2. Spanish
3. Strength training
by david99
Fri Jul 13, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9847

Re: COMING SOON: BOGLEHEADS PODCASTS

I vote for: Bogleheads Investing Podcast
by david99
Fri Jul 13, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 24
Views: 3734

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

It is true that it might violate local laws in terms of the number of people allowed to live in a two bedroom apartment. In a local college town there was a fire in a house with too many college kids living there and one of the students died in the fire. I would imagine that the landlord is in big t...
by david99
Fri Jul 13, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 1994

Re: Replace water heater at end of warranty or repair?

Look into a stainless steel hot water heater. You can get a lifetime warranty.
by david99
Mon Jul 02, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9376

Re: What’s your plan for a market downturn?

Rebalance, stay the course, and have some fun.
by david99
Sat Jun 23, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3398

Re: Am I wasting money on my old car?

I had a 2000 Toyota Corolla that I recently sold to CarMax. The gas line started to rust out and leak gas. The mechanic said that it wasn't worth fixing and also the brake lines were very rusty. The car ran very well and only had 98k miles, but I decided to sell it and get a new car. I suppose that ...
by david99
Fri Jun 01, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8791

Re: is Having more and needing less normal?

As I get close to 60, I find that I need the gym membership more than ever. But I agree that I don't need a lot of the stuff that I've accumulated over the years. I think that needing less is normal as we get older.
by david99
Sun May 20, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8824

Re: Golden Handcuffs

How difficult would it be to return to your current employer if you left? If you are confident that they would take you back when they have an opening, then try another company and get it out of your system.
by david99
Sat May 12, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2727

Re: Happy 89th birthday to [Jack] Bogle

Happy birthday Mr. Bogle. Thanks for all that you've done for us.
by david99
Sat May 12, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 26
Views: 2221

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Look at the Prius Prime. Because it is part electric, it qualifies for a $4500 Federal tax credit and in my state it is eligible for a $1500 rebate. In addition, Toyota was offering an incentive. I bought one a few months ago and it came out to less than $18,000 with the tax incentives---- that's th...
by david99
Sun May 06, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: New Car Purchase
Replies: 11
Views: 1690

Re: New Car Purchase

I would just negotiate via email for an out the door price.
by david99
Wed May 02, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10782

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

I agree about the moderation part. Sugar is not an issue for me, but Pizza is. I can't just eat two slices and walk away, it turns me into this eating machine. No other food does that to me. Having said that I'm currently reading the Starch Solution by Dr. McDougal and he claims that sugar is not t...
by david99
Sun Apr 29, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 996

Re: Did you rent car in Spain?

I've been to Spain a few times and never rented a car. I just took busses or trains. You do need to know some Spanish to interact with folks at the train station or bus terminal.
by david99
Sat Apr 21, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 36
Views: 3853

Re: Negotiating for a new Toyota.[my fault comparing apples and oranges]

I bought a Prius prime about two months ago. I emailed twelve dealers and four came back with an out the door price. One dealer was $1500 cheaper than the rest and the others could not beat his price or even match it. So I recommend emailing many dealers in your area.
by david99
Fri Mar 30, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 8191

Re: Vanguard in the WSJ today

Thanks for sharing. I was considering moving my ira from Vanguard to Fidelity. Now I have to wonder if they will mangle the transaction... :shock: I just did a rollover of a 401k with TIAA to an IRA with Vanguard, and the process was easy and fast. I also did a rollover last year and it went very w...
by david99
Sun Mar 25, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5437

Re: Big time home inspection issues

You shouldn't just look at the amount of money that needs to be put into this house but also the time. Even with a contractor managing the job you will be at the house all the time. My sister bought a house like this and they have been working on it for years. Fortunately her husband is retired and ...
by david99
Fri Mar 02, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3758

Re: New vehicle research

I just bought a Prius Prime Plus. Toyota had a 3000 discount and there is a Federal tax credit of 4500 and in MA a state rebate of 1500 plus I got a dealer discount ---- so altogether it comes out to under 18k out the door. The Prime Plus is the base model but it comes with heated seats, navigation,...
by david99
Fri Mar 02, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 51
Views: 4519

Re: used Prius

What about the 2017 plug-in hybrid, Prius Prime? Buy one in the northeast (NY, NJ) and get $4000 from Toyota, another $1000 or so from the dealer, $4502 from the Feds, and perhaps your State has an incentive (like the $5000 I'm getting from CO after having bought one in NY). New car at a used price...
by david99
Thu Feb 22, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 7599

Re: Staying Motivated: How do you ward off hopelessness?

Only worry about the things you can change such as getting a better job, going back to school or saving more money. Also keep in mind that life isn't just about money --- it is about health, friends, family, hobbies, etc.... These are all things you can also improve to have better quality of life. M...
by david99
Thu Jan 11, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3549

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

I have most of our money at Schwab and Fidelity. I'm a DIY investor, never receive calls to push me into anything. Advisors are there if I choose, but they seem to be fine leaving me alone. I have some of my portfolio at Fidelity and I get calls from them wanting to review my investments. I just ig...
by david99
Sat Jan 06, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43551

Re: What frugal thing did you do today?

I purchased an Instant Pot on Amazon after reading the Instant Pot thread on Bogelheads. I used my Amazon Prime Card and saved 5%, plus I saved $10 by signing up for the automatic reloading of my gift card. So , I did spend money but got a $15 discount. You'll save money using the Instant Pot since...
by david99
Sat Jan 06, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship milestone: Thank You Bogleheads!
Replies: 13
Views: 2750

Re: Flagship milestone: Thank You Bogleheads!

Congratulations. Great accomplishment ---- the first million are the hardest.
by david99
Sun Dec 31, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 25455

Re: TurboTax Prices

I also purchased the deluxe version at Costco for $40.
by david99
Fri Dec 29, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 13358

Re: Another should i buy my dream porsche thread...

I just went through 2 years of the same machinations and bought a brand new 2017 C4S in October (1 month before my 40th birthday). My advice, buy the car, enjoy it and sell it if/when you're no longer excited about it. Sure you'll lose some money, but why do you earn it if not to enjoy it responsib...
by david99
Fri Dec 29, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 59
Views: 12326

Re: This is Unbelievable - another Vanguard customer support odyssey

I transferred a 403b to a TIRA at Vanguard this year and I didn't have any problems. I didn't do anything complicated ----- I just transferred the entire amount to one fund.
by david99
Fri Dec 29, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5183

Re: A Year of Extreme Frugality

But, I never tried to save by eating what I would consider an unhealthy diet. Healthy food is the last thing I'd give up. Excellent point. It's worth repeating even if it's obvious. Victoria I also would not be frugal when it comes to healthy food. Eating unhealthy food can cost you a lot more mone...
by david99
Thu Dec 28, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Frozen credit and TMobile
Replies: 5
Views: 511

Re: Frozen credit and TMobile

TMobile said that they use Transunion for me. I would call them again and see if you get another person that speaks better English.
by david99
Thu Dec 28, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 103
Views: 12582

Re: Any Instant Pot users here?

I got an Instant Pot during Black Friday. It's easy to use and as others have pointed out, you can set it and forget it ----- put all the ingredients in, set the pressure and timer and do something else while it cooks. You can also saute in the pressure cooker and then put in the rest of the ingredi...
by david99
Mon Dec 25, 2017 10:04 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 9334

Re: My Christmas Present to You

Merry Christmas, Taylor
by david99
Mon Dec 25, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 65
Views: 9510

Re: Do any of you follow Bob Brinker?

I would avoid all of the broadcast gurus. As nearly as I can tell, they are all the same in several regards: 1) They spout off what can only be called a mixture of fact and personal opinion--admittedly it's hard to distinguish those in investing--but, unfortunately, their broadcast persona is that ...
by david99
Fri Dec 22, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: How I got to $1.5MM
Replies: 42
Views: 7804

Re: How I got to $1.5MM

Thanks for sharing your story with us --- a lot of lessons to be learned from it.
by david99
Sun Dec 17, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Simplicity"
Replies: 21
Views: 26624

Re: What Experts Say About "Simplicity"

As Henry David Thoreau said in Walden, “Our life is frittered away by detail. Simplify, simplify, simplify! I say, let your affairs be as two or three, and not a hundred or a thousand; instead of a million count half a dozen, and keep your accounts on your thumb-nail.” I think that in this era of th...
by david99
Fri Dec 15, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I open a fitness center for extra money?
Replies: 37
Views: 3301

Re: Should I open a fitness center for extra money?

I would find a franchise owner in another state ( so you are not competing with them) and ask them a bunch of questions.
How many hours do you have to put in? Can you do it part time? ..... Treat them to dinner and ask a lot of questions.
by david99
Fri Nov 24, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 57
Views: 8691

Re: Black Friday Deals/Holiday Gift Ideas

Instant Pot from Amazon $81.99
by david99
Wed Nov 01, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 65346

Re: Retirement Account Stolen by Identity theft

I know someone that has an account at Transamerica and she said that they only require a medallion signature guarantee for withdrawals over $150,000. For withdrawals under 150k you need a notary stamp. She also said that they allow you to fax the distribution request form ---- which means that someo...
by david99
Mon Oct 09, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 11732

Re: Third time in my 32 year career I have been laid off

Someone else mentioned the point of something to retire TO vs. FROM, so you may prefer to find some employment rather than immediately retire. If you do, remember you don't have to work full time and you can "semi-retire". This is one of my issues. I would have to phase into retirement. My routine ...
by david99
Sun Oct 08, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1461

Re: Keeping Tabs on Investment Accounts

I check my accounts weekly. I also receive emails and text messages from Vanguard if there is any activity. I wish that all my financial institutions sent me emails and text messages with any activity.
by david99
Sat Oct 07, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 65346

Re: Retirement Account Stolen by Identity theft

I think that Trans America is responsible for this mess. Why didn't they send a letter to the account holder when there was a change to the account? Why didn't they make a two minute phone call to the account holder to confirm that he requested the change? You probably have good reasons to take lega...
by david99
Sat Oct 07, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 65346

Re: Retirement Account Stolen by Identity theft

Thanks for posting this. I've increased the security on my accounts. I would get a lawyer involved in this situation. I think that a letter from your lawyer will put more pressure on Trans America. In the event that Trans America does not return your money, I would let them know that you plan to go ...
by david99
Sun Sep 17, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 3362

Re: Vanguard customer service/technology = "Bad returns in Bad times"

I have money at Fidelity. They might have called me once or twice to check in and I have just told them I don't need anything. If you start on with questions and indicate you might need or want help, then you might be opening the door. We get a couple of calls per year. They leave a message along t...
by david99
Sat Sep 16, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 8198

Re: Distressing news -> Flight to Safety ?

Doc, if all we're talking about is moving a portion of TBM into Treasuries and that action makes you feel more secure about future market disruptions, it seems rational to do it. Treasuries offer the ultimate safety in a market collapse. Currently their yields aren't far from TBM's, so switching is...
by david99
Sat Sep 16, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 19060

Re: Who has needed to use their umbrella insurance?

Umbrella liability only costs me $300 for 2 mill. But health insurance costs 10k ---my company pays half of that. If I had to pay the full amount I think that I would skip health insurance but I would keep the umbrella liability.
by david99
Fri Sep 15, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 8541

Re: Fidelity Security

Have you noticed that most banks and credit unions are way behind in terms of security? Sure they have the usual 2FA using SMS or email but I have yet to see Ally, PenFed, TD, Cap One, Citi, Chase and many others implement either a hard or software token. Thinking about consolidate all cash at Fido...
by david99
Fri Aug 18, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collector called, should we call them back?
Replies: 15
Views: 2453

Re: Debt collector called, should we call them back?

If you call them, ask them to send you something in writing that can review/check with your records.
by david99
Mon Aug 14, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 7802

Re: Expect to spend $2.6M on healthcare?

I wrote this earlier this year. I have copied it here as it shows an 18 year retired couple's actual out of pocket medical costs through 2016. Medical cost in retirement. This is not our estimated health care costs in retirement. (I retired at 65.) This is our actual cost over 18 years. Medical, de...
by david99
Thu Aug 10, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 21307

Re: Life at crossroads. What would you do ?

I knew two computer programmers that became math teachers in their 40's. One got carpal tunnel and the other got laid off. They both enjoy teaching.
by david99
Wed Aug 09, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 7558

Re: Time to leave our dentist??

I had a dentist tell me I needed two fillings. That seemed odd because I don't have a history of needing fillings and keep up with my dental care. So I went to another dentist for a checkup without any mention of what the other dentist said. That dentist didn't mention a need for fillings. I never ...
by david99
Fri Aug 04, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 51812

Re: A poll: How much money do you want to retire?

I feel poor, reading this thread :| ... - Ron A lot of people are going to retire with less than a million dollars in this country and they are going to be fine. My parents didn't have anywhere close to a million dollars and they were fine in retirement --- they enjoyed themselves with family and f...