Search found 2178 matches

by Broken Man 1999
Wed Apr 24, 2019 2:32 pm
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 55
Views: 2161

Re: Close Vanguard and go all in with Fidelity?

I'll echo Mr Larimore's comments concerning having a simple portfolio housed at a company that offers good funds and good ERs. As I have aged and gone thru some rough patches healthwise, I appreciate greatly having everything at one place, with fewer things to track and such. Plus, my intent is to m...
by Broken Man 1999
Wed Apr 24, 2019 1:58 pm
Forum: Personal Investments
Topic: New Three Fund Portfolio options for Fidelity Personal Retirement Annuities
Replies: 12
Views: 1130

Re: New Three Fund Portfolio options for Fidelity Personal Retirement Annuities

This post or information will not be pertinent to many, but for those that do happen to have money set aside in the Fidelity Personal Variable Annuity, in addition to the recent news of Fidelity adding the Zero ER funds for brokerage accounts, they have also increased the options available in the P...
by Broken Man 1999
Wed Apr 24, 2019 11:52 am
Forum: Personal Investments
Topic: New Three Fund Portfolio options for Fidelity Personal Retirement Annuities
Replies: 12
Views: 1130

Re: New Three Fund Portfolio options for Fidelity Personal Retirement Annuities

This post or information will not be pertinent to many, but for those that do happen to have money set aside in the Fidelity Personal Variable Annuity, in addition to the recent news of Fidelity adding the Zero ER funds for brokerage accounts, they have also increased the options available in the P...
by Broken Man 1999
Tue Apr 23, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: IRS and Taxes
Replies: 19
Views: 2141

Re: IRS and Taxes

I was under the understanding that everyone has to sign up for Medicare. Else you will later be penalized. Everyone signs up for Part A (hospitals). There is no requirement to sign up for Part B (doctors) or Part D (drugs). If you don't sign up for B and/or D when you become eligible, and you don't...
by Broken Man 1999
Tue Apr 23, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 74
Views: 6051

Re: What, if anything, do I owe this guy?

Me, I have zero knowledge about this "guy", but I certainly could simply send an email stating that I was not interested in employing him for investment services. I'm not going to join the flaming torch and pitchfork brigade, others will/have. Disagreeing without being disagreeable is an admirable t...
by Broken Man 1999
Tue Apr 23, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a car from a wholesaler?? BMW Z3
Replies: 8
Views: 569

Re: Would you ever buy a car from a wholesaler?? BMW Z3

I am not a car "collector" but even so, how "collectible" would this car be, anyway? $6000 seems a pretty low hurdle to me. A quick online search brought up scads of sellers of this year/model, prices all over the map, high and low mileage, etc. So, rare it isn't, and $6000 isn't tens of thousands o...
by Broken Man 1999
Tue Apr 23, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 589
Views: 45365

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

This is very interesting. I use these checks for QCDs. After I verify this is the case, I will ask Vanguard for a new checkbook that does not state the $250 minimum on each check. Let us know what you find out since I was planning to transfer the spouse's RMD to Fidelity since they allow you to wri...
by Broken Man 1999
Tue Apr 23, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2113

Amazon Returns accepted at Kohl's Dept. Stores...

I noticed that my Kohl's stock had a big pop this morning, and wondering why, I saw this: Kohl's wants more of your Amazon returns Date April 23, 2019 Time 10:14 AM Source Associated Press By JOSEPH PISANIAP Retail Writer NEW YORK (AP) — Kohl's wants you to skip the post office and bring your Amazon...
by Broken Man 1999
Mon Apr 22, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Father's POA Issue: Who has POA, successor or attorney?
Replies: 11
Views: 1102

Re: Father's POA Issue: Who has POA, successor or attorney?

Wow, that sounds a bit hinky for sure.

Sounds like you have the ability to serve as successor, I do think you might want to engage your own lawyer. Pure speculation on my part, but I think the current lawyer might be compromised.

Good luck unraveling this mess.

Broken Man 1999
by Broken Man 1999
Mon Apr 22, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: IRS and Taxes
Replies: 19
Views: 2141

Re: IRS and Taxes

Broken Man wrote: Our only income in 2019 will be our SS benefits and whatever is distributed from our IRAs during the year. For our 2018 taxes I had to pay $378 when I filed. Close enough to be in the "safe harbor" to avoid penalty. I used this https://www.mortgagecalculator.org/calc ... ulator.ph...
by Broken Man 1999
Mon Apr 22, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS and Taxes
Replies: 19
Views: 2141

Re: IRS and Taxes

My goal for 2019 is to close the year owing less than $100 when I file in April, 2020. Owing $378 for 2018 taxes was just sloppy income management. I am ashamed of my slothful ways! :annoyed I suppose it is all about one's perspective. I view not taking advantage of the best safe harbor option as w...
by Broken Man 1999
Mon Apr 22, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRS and Taxes
Replies: 19
Views: 2141

Re: IRS and Taxes

Our only income in 2019 will be our SS benefits and whatever is distributed from our IRAs during the year. For our 2018 taxes I had to pay $378 when I filed. Close enough to be in the "safe harbor" to avoid penalty. I used this https://www.mortgagecalculator.org/calcs/1040-calculator.php as an estim...
by Broken Man 1999
Mon Apr 22, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Delayed gratification.
Replies: 54
Views: 5635

Re: Delayed gratification.

Hello Bogleheads. First post here. I'm curious how people deal with the emotions surrounding delayed gratification. For example, I'm a resident physician who has >$300,000 in student loans. I moonlight for extra cash to ensure I can max my Roth IRA and add a little to my 403b and wifes 401K. I bike...
by Broken Man 1999
Mon Apr 22, 2019 10:39 am
Forum: Personal Investments
Topic: Investing for siblings
Replies: 21
Views: 1493

Re: Investing for siblings

I have been handling my BIL's investments for a couple of years now. As much as possible I invest his funds just like I invest our retirement. He is only a couple of years younger, close to retirement. Since I know his investments, he knows his sister's (my wife) and my investments. I have a low ba...
by Broken Man 1999
Sun Apr 21, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 4799

Re: Video Camera to check in on Elderly Parent

This is the classic argument between the elder generation and the children. From the parent's standpoint (we're about to retire), there's the "I don't need anyone ____" and "you're not going to tell me what to do" and from the children's standpoint there's concern over the parent's well-being. Havi...
by Broken Man 1999
Sun Apr 21, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3472

Re: update 70s kitchen or nah?

Last year and this year will see us putting $60,000 to $70,000 in our home. Will we get our money back? Who knows? But, I don't care. We are doing these things for ourselves, we are in the last home we will probably have, and we want a nice home to live in. I am not interested in someone else gettin...
by Broken Man 1999
Sun Apr 21, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Selling individual stock.
Replies: 13
Views: 1181

Re: Selling individual stock.

My father told me to always do business with your head, not your heart. I once entertained an irrational idea to buy back my father's home I grew up in after an earlier owner who had bought the home and 20 acres of grove that my father had planted the year I was born. Thankfully I did not do so, as ...
by Broken Man 1999
Sun Apr 21, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit and Debit card safety
Replies: 26
Views: 1288

Re: Credit and Debit card safety

I have never used a debit card. Any debit card was converted to an ATM card only. Any place that will accept a credit card is paid via credit card. I have every transaction on credit cards send me an email, so I always know if a charge is legit when I review my credit card statements. Over the years...
by Broken Man 1999
Sun Apr 21, 2019 3:44 pm
Forum: Personal Investments
Topic: Investing for siblings
Replies: 21
Views: 1493

Re: Investing for siblings

I have been handling my BIL's investments for a couple of years now. As much as possible I invest his funds just like I invest our retirement. He is only a couple of years younger, close to retirement. Since I know his investments, he knows his sister's (my wife) and my investments. I have a low bar...
by Broken Man 1999
Sun Apr 21, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Loan to employer?
Replies: 24
Views: 1730

Re: Loan to employer?

Tough choice! The pitfalls are you might not be repaid, your relationship might become a little weird, you could be fired after a period of time... Would the owner consider selling a portion of the company to you, instead of you fronting a loan? Perhaps you could sound her out about such a proposal,...
by Broken Man 1999
Sat Apr 20, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1635

Re: What's the lowdown on HVAC filters?

We have electrostatic filters plus the usual throw-away filters in both our heat pumps. Wife changes both throw-away filters each month. We buy filters by the case at Home Depot, very cheap ones, on the advice of our AC guy.

No pets, any longer.

Broken Man 1999
by Broken Man 1999
Fri Apr 19, 2019 5:13 pm
Forum: Personal Investments
Topic: Pensions and early retirement issues
Replies: 4
Views: 733

Re: Pensions and early retirement issues

Don't let up on your savings. My MegaCorp pension was great, now new management hires have no pension. My MegaCorp retiree insurance is great, now new management hires have no retiree insurance. I retired in 2015, my pension had been frozen since 2006. Fortunately I was already vested for max pensio...
by Broken Man 1999
Fri Apr 19, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: 2016 Toyota Sienna all weather mats
Replies: 12
Views: 648

Re: 2016 Toyota Sienna all weather mats

WeatherTech. The mats fit. Period.

Life is too short to mess around with ill-fitting mats that could contribute to an accident.

I bought my 2008 E150 van a set of WeatherTech mats near ten years ago. Fit then, fit now.

Broken Man 1999
by Broken Man 1999
Fri Apr 19, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 54
Views: 1972

Re: In search of a dishwasher that dries plastics well...

I have a Samsung that opens itself 6 inches at the end of a cycle. It does well as long as I set cups and plastics at a slope so that water doesn’t puddle on them. We have a Samsung dishwasher as well. So very quiet, dries well, opens after the cycle as described above. And, the controls are on the...
by Broken Man 1999
Thu Apr 18, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Garage Door Opener Replacement
Replies: 28
Views: 2051

Re: Garage Door Opener Replacement

Do you have any objects in the safety-beam that might be blocking complete door closing?

Sounds exactly what I observe when our garage door starts down, stops, then goes back up.

Broken Man 1999
by Broken Man 1999
Thu Apr 18, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1915

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

I like lastpass. No need to pay for the subscription. The free version offers all the features you should need. I've been using LastPass for the last few years, after Roboform started charging me. I use the free version, not sure what else I need other than what is included in the free version. I d...
by Broken Man 1999
Thu Apr 18, 2019 1:35 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 79
Views: 4413

Re: In which companies do you own a single share, or token amount, of stock?

Strictly for sentimental reasons I wish I had kept a stock certificate for a single share from my original MegaCorp, but we sold everything long ago. I do have plenty of stock certificates from my father's Sub-chapter S corporation, but those certificates are pretty drab compared to the certificates...
by Broken Man 1999
Thu Apr 18, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 79
Views: 4413

Re: In which companies do you own a single share, or token amount, of stock?

TomatoTomahto wrote:
Thu Apr 18, 2019 11:48 am
We only own one share of BRK.A because it would cost too much to sell. The kids will get the stepped up basis.
Nice problem to have, kids will be happy you held on, I suspect! :beer

Broken Man 1999
by Broken Man 1999
Thu Apr 18, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 79
Views: 4413

Re: In which companies do you own a single share, or token amount, of stock?

I have 4.129 shares of Wabtec, shares spun off by a business deal involving Wabtec and GE. Currently on my holding I am up 13 cents, stock trading at $78.01, but I'm holding out for $79/share with a limit order I put in a couple of days ago. All my other individual stocks are each valued in the thou...
by Broken Man 1999
Thu Apr 18, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1493

Re: Controlling Ivy on walls

As already said, you can talk to the neighbors or keep cutting it off your walls. One thing I would consider though is what it looks like under the ivy. You might not like the ivy but you might not like what is under it even more. I've heard about it damaging buildings, yet see 100+ year old buildi...
by Broken Man 1999
Wed Apr 17, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Granny Cam
Replies: 8
Views: 1329

Re: Granny Cam

I don't believe the idea of watching the caretakers was addressed in that thread. Definitely a vulnerable situation. Not quite the same but my neighbor installed a nanny cam and fired her nanny the first day based on what she saw. And the nanny knew there was a camera! One of my CNAs has a disabled...
by Broken Man 1999
Wed Apr 17, 2019 8:30 am
Forum: Personal Investments
Topic: Why buy a CD with a brokerage firm?
Replies: 17
Views: 1186

Re: Why buy a CD with a brokerage firm?

In no particular order... - wider range of lengths of CDs available. - amounts over $250,000 easy to accommodate to ensure FDIC protection is applicable. - simplicity, no opening additional financial accounts as you try to find best rate every time you invest in a CD. - ease of administering your po...
by Broken Man 1999
Tue Apr 16, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 101
Views: 5690

Re: What Are Your Simple Pleasures?

In no particular order: - a good pot of coffee. - a frosty adult beverage. - a grilled grouper sandwich. - a local pub's naked buffalo wings. - a good cigar to smoke whilst I read a good book and drink a frosty adult beverage. - going to dinner with old friends, and new friends. - hanging out on the...
by Broken Man 1999
Tue Apr 16, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best option for child inheritance
Replies: 12
Views: 1068

Re: Best option for child inheritance

Option B Rollover 30K and they will inherit a bigger Roth. That would be my vote. That activity would allow your child to inherit later in life, which personally I think is better for both your child and you. Being in your early sixties means you might have a lot more years to live. Even if you are...
by Broken Man 1999
Tue Apr 16, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Savings account for child?
Replies: 35
Views: 1452

Re: Savings account for child?

+1 for local credit union. Yes the interest will be tiny (but bigger than big banks), but how much money is a young child going to put there at this moment? I think missing out on $1 of interest each year is a fair price to pay for the learning experience garnered with a local B&M office that can d...
by Broken Man 1999
Tue Apr 16, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5962

Re: What defines "income" on a retiree's credit card application?

Why not just get a debit card? For someone who pays their card balance every month, a debit card would be fine. Well, to start with, debit cards pull the funds out immediately, I think. You pay as you use them, funds are withdrawn from your account. I don't like debit cards, so I always get a card ...
by Broken Man 1999
Mon Apr 15, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 5962

Re: What defines "income" on a retiree's credit card application?

I use the last pay stub from 1999 and have never been asked for more info. Being retired, I can manipulate my income at will, but other than an occasional pop-up at American Express asking me to update my income, which thus far I have ignored, I haven't had to answer anything else. I suppose by now ...
by Broken Man 1999
Mon Apr 15, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: $29 collections notice
Replies: 31
Views: 2779

Re: $29 collections notice

Were you aware you owed the money prior to receiving a notice from a collection agency? If you were aware, why didn't you pay the bill? If you weren't aware, I would suggest you monitor your insurance EOBs closely, that way you can stay on top of things, usually. But, medical billing can certainly b...
by Broken Man 1999
Mon Apr 15, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Cleaning shingles (moss & mildew)
Replies: 27
Views: 2645

Re: Cleaning shingles (moss & mildew)

I need to undertake this project on my roof but the north side which has most of the shingle growth is probably 35 ft off the ground. Does anyone have any experience with a sprayer that has this kind of range? Even if you could get a stream that high, I think it would be difficult to control enough...
by Broken Man 1999
Mon Apr 15, 2019 1:09 pm
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 4880

Re: Where to hold 2-3 years of living expenses

We hold no X number of years living expenses in any special investment/allocation. We do have a retirement portfolio that is 50% bonds and 50% equities. With a 50/50 AA, we can weather a very long stock decline, so I just don't see the need of holding any assets earmarked for various expenses, or fo...
by Broken Man 1999
Mon Apr 15, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 64
Views: 3832

Re: Where To Get New Bikes

A few months ago we went to brunch with a DD, and while waiting for her family to arrive, I looked at some bikes that were on the sidewalk in front of a Play It Again Sports store. There were some children's bikes for $20 that looked brand new. I'm think of buying a couple for when the grand-kids vi...
by Broken Man 1999
Mon Apr 15, 2019 10:57 am
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 7013

Re: If you have plenty of money, why not 100% stocks in retirement?

I'm not sure about how much plenty of money might be, as we are early in retirement at 65 years of age. Hopefully we will be around a couple of decades longer, so I don't think 100% equities would be a good choice at this time. However, I am considering just letting the percentage of equities rise o...
by Broken Man 1999
Mon Apr 15, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: Financial Priorities - List
Replies: 19
Views: 1786

Re: Financial Priorities - List

I would suggest LTD insurance; if you became disabled, and have no LTD, many of the items on your list would probably be out of your reach. You really, really don't want to have to base your lifestyle on Social Security Disability Income. And, remember your priorities aren't unimportant, but, life g...
by Broken Man 1999
Sun Apr 14, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Best 48-52" TV for ~$500? Costco?
Replies: 14
Views: 910

Re: Best 48-52" TV for ~$500? Costco?

My garage TV is a TCL with Roku, great TV. I received it from the daughters a few years ago. If you buy at Costco with a Costco credit card you might be able to get the warranty extended to four years. We bought our living room TV and got the deal. We also received 9 months of HBO free. As well, a f...
by Broken Man 1999
Sun Apr 14, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14253

Re: How often do you check your net worth?

I can understand why to some, the value of your house is not that useful if you plan to stay in it for a long time. For our situation, I am very interested in the value of our house. I will likely retire in around four years, and then once my youngest graduates from high school four years after tha...
by Broken Man 1999
Sat Apr 13, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14253

Re: How often do you check your net worth?

Seems there are 3 methods how BHers update net worth: 1. Using Personal Capital (auto calculates every time one logs in) 2. Using Quicken (auto calculates every time one updates transactions) 3. Using spreadsheet (calculate NWT. Manually record (copy/paste) the outcomes over time, once a month/quar...
by Broken Man 1999
Sat Apr 13, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Geico price too low??
Replies: 13
Views: 1136

Re: Geico price too low??

Yep a similar thing happened to me. Was previously with Geico but got in an accident. Geico quadrupled my rate, most of the big companies tripled my rate, and then comes Progressive which only doubled my rate. And still 2 years after the accident Progressive is by far the cheapest. Will be interest...
by Broken Man 1999
Sat Apr 13, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Cleaning shingles (moss & mildew)
Replies: 27
Views: 2645

Re: Cleaning shingles (moss & mildew)

A family member used to live in your area and a zinc strip under the ridge shingles does wonders - but roofers hate to install them. They would rather your roof last for a shorter time... Another approach is to put down a line of Arm & Hammer washing soda (sodium carbonate from the laundry aisle or...
by Broken Man 1999
Sat Apr 13, 2019 1:05 pm
Forum: Investing - Theory, News & General
Topic: ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")
Replies: 59
Views: 8196

ETFs vs. Mutual Funds ("Bogleheads Mentioned in the NYT")

Perhaps those who consider using ETFs as being "unboglehead-like" should scan what the Head Boglehead (Mr. Bogle) had to say in his last book, Stay the Course: The Story of Vanguard and the Index Revolution . He even stated his support IF the ETF was bought to hold, and the ETF was for a broad-based...
by Broken Man 1999
Sat Apr 13, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Medigap pricing and Medicare generally
Replies: 21
Views: 1165

Re: Medigap pricing and Medicare generally

Have you looked at your copy of Medicare and You publication? I would strongly suggest reading the information, as knowledge is power. Understanding the insurance you are purchasing will make you a consumer who is prepared to make informed decisions concerning your care. You can help manage your car...