Search found 3331 matches

by Broken Man 1999
Thu Nov 21, 2019 10:46 am
Forum: Personal Investments
Topic: Fees for in-service withdrawals? (Fido Mega backdoor)
Replies: 9
Views: 370

Re: Fees for in-service withdrawals? (Fido Mega backdoor)

BIL's 401k at Wells Fargo also charges $25 for in-service withdrawals.

We only drain his 401k plan once a year.

Gotta keep those stagecoaches rolling!

Broken Man 1999
by Broken Man 1999
Thu Nov 21, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 41
Views: 1897

Re: Alternatives to VOIPo?

VOIPO, OOMA, Vonage users - why are you still paying? Google Voice is free. Honest to goodness. No E911 is a deal breaker for me. Adding third party to get just 911 (apparently not Enhanced 911) seems unwieldy to me. More stuff=more stuff to go wrong/break. $5.32/month is affordable in our current ...
by Broken Man 1999
Wed Nov 20, 2019 6:04 pm
Forum: Personal Investments
Topic: Which 529 Plan?
Replies: 10
Views: 674

Re: Which 529 Plan?

No tax benefits for me. I went with the Nevada plan as I can manage it with the regular Vanguard login. The four plans appear in my "Balances and Holdings" tab. The plans I chose are Vanguard Aggressive Age-Based Option , the plans start out heavy in equities, and add bonds in as the children age, a...
by Broken Man 1999
Wed Nov 20, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Idea for a basic drawing book for granddaughter...
Replies: 29
Views: 1702

Re: Idea for a basic drawing book for granddaughter...

Thanks for the additional recommendations of art books. Yesterday grandaughter's artwork was one of two pieces selected at her school to be displayed at a local entertainment venue. OK, it isn't the Louvre, but it is a start! :D DD found her some art classes she could attend during the week after sc...
by Broken Man 1999
Wed Nov 20, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: pain and muscle imbalance
Replies: 2
Views: 307

Re: pain and muscle imbalance

Medical advice is not allowed in this forum.
by Broken Man 1999
Wed Nov 20, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 41
Views: 1897

Re: Alternatives to VOIPo?

Thanks for the 911 info.

Having specific address information offered up to the 911 personnel is pretty important. Lack of that info definitively would be a deal-breaker for me.

I'm very happy with ooma, I was just curious about google voice.

Broken Man 1999
by Broken Man 1999
Wed Nov 20, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 41
Views: 1897

Re: Alternatives to VOIPo?

For google voice: Is E911 available?

IIRC, at one time it was not, but that was many years ago.

Broken Man 1999
by Broken Man 1999
Wed Nov 20, 2019 9:38 am
Forum: Personal Investments
Topic: I want to make my children millionaires.
Replies: 41
Views: 4634

Re: I want to make my children millionaires.

I would concentrate in securing for them a solid education unburdened by student loans before doing anything else. Education is a well-traveled path path to higher earnings. Set your children up for earning their own wealth. Savings accounts/allowances as they are growing can teach them about saving...
by Broken Man 1999
Tue Nov 19, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Concerns about Cloud and privacy warranted?
Replies: 6
Views: 711

Re: Concerns about Cloud and privacy warranted?

So far the only thing I have saved to any cloud is my music collection. But then, I'm not much of a saver of things anyway.

I suppose my taste in music might convince snooping people I am an old rocker.

Broken Man 1999
by Broken Man 1999
Tue Nov 19, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: USPS informed delivery for multiple addresses
Replies: 17
Views: 1213

Re: USPS informed delivery for multiple addresses

I have Informed Delivery for two addresses, each with its own account, and I get two emails each day. Informed Delivery service has grown increasingly useless. So many days the email message reads, "A piece of mail that we do not have an image for is included in today's mail." This is coupled with ...
by Broken Man 1999
Mon Nov 18, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 41
Views: 1897

Re: Alternatives to VOIPo?

ooma for the last nine years.

Excellent call quality.

Bill is $5.32/month, totally for fees/taxes/E911, etc.

Broken Man 1999
by Broken Man 1999
Mon Nov 18, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Sift and other consumer scores - anyone gotten theirs?
Replies: 5
Views: 364

Re: Sift and other consumer scores - anyone gotten theirs?

I see no benefit to me to make the kind of effort that you seem to want to make. I see your efforts as a way of helping them create more data on you which is not something that you should want. I don't think one needs to monitor their life unless they intend to perpetrate crimes and generally be a ...
by Broken Man 1999
Sun Nov 17, 2019 5:16 pm
Forum: Personal Investments
Topic: Separate $ in...retirement??
Replies: 38
Views: 3538

Re: Separate $ in...retirement??

She seems perfectly willing to work longer to fund her desires.

Hard to argue with that, it's not like you are going to have to pay for it. If you want to go with her, and don't want to drain your stash, go back to work.

Why would she think you are cheap, are you?

Broken Man 1999
by Broken Man 1999
Sun Nov 17, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Cable modem/phone question
Replies: 13
Views: 931

Re: Cable modem/phone question

For around $100 or much less on sale they could buy a base-station with 5 total handsets (standalone handsets need only power, not wall jacks). Plug the base-station into the modem. Plug in the additional handsets wherever you want (and have power). Done. Nice thing is they can put phones where they...
by Broken Man 1999
Sat Nov 16, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: Railing Vs Room on living area for Old Parents
Replies: 18
Views: 986

Re: Railing Vs Room on living area for Old Parents

Chair lifts are very inexpensive for many sets of stairs. A couple of years ago about $4,000-$5,000. Our stairs are one landing, straight shot. Many chair lifts can be removed easily when the need is over. Not a lot of installation needed. However, you might need to blow out a downstairs half-bath t...
by Broken Man 1999
Sat Nov 16, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 80
Views: 6797

Re: What tools do you use to track your finances?

I track my investment portfolio, including other financial accounts that are not at Vanguard via Vanguard's online "Balances and holdings tab". External accounts are updated automatically via the Yodlee aggregator program at Vanguard, though I do have to manually update my I-Bond's value. So, every...
by Broken Man 1999
Sat Nov 16, 2019 3:18 pm
Forum: Investing - Theory, News & General
Topic: Preparing for a down market
Replies: 78
Views: 6400

Re: Preparing for a down market

Our retirement portfolio is 50% bonds/bond funds (vast majority in treasuries) and 50% equities (vast majority in index funds). Included in our retirement portfolio is a Vanguard Variable Annuity that could be used if needed. No surrender fees, various options available to receive distributions. Cur...
by Broken Man 1999
Sat Nov 16, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Equal Inheritance for Children
Replies: 75
Views: 7244

Re: Equal Inheritance for Children

I still like the idea of equal to each of our children and let them handle how they give to the next generation. It can get complicated down the road. ... I'm going to let them sort out their half. We are both in our sixties now and the simpler the better. Everyone's situation is different. +1 Equa...
by Broken Man 1999
Sat Nov 16, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 80
Views: 6797

Re: What tools do you use to track your finances?

For years I used to download my various e-statements, but today they are available for years online, and even longer via a request. I've never needed to retrieve one, however. Beware if you close an account. A few times I've swtiched from one bank or brokerage to another and found that the online s...
by Broken Man 1999
Sat Nov 16, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208642

Re: U.S. stocks continue to soar!

And we locked some more of those gains in. Let's all lock in gains on the same day and buy back after we crash the market. Nothing wrong with that is there? :confused Actually that wasn't my quote, it was Homer J's. I am guilty of thinking about it, but not of following through. That's not to say I...
by Broken Man 1999
Fri Nov 15, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208642

Re: U.S. stocks continue to soar!

DOW up 222.93 points, new record close. Portfolios all time highs, even with all our home projects we have done this year. Yeehaw! Smoking a stogie outside in cooler weather of 64 degrees F. Opening frosty adult beverage. Life is good, really, really good! Makes me want to tell DW to go spend some ...
by Broken Man 1999
Fri Nov 15, 2019 5:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208642

Re: U.S. stocks continue to soar!

corn18 wrote:
Fri Nov 15, 2019 5:30 pm
I just plugged in today's VTI return on an annual basis (~110%) into my retirement spreadsheet and now it says I can retire now instead of 2022. Gonna give my notice on Monday.
Congrats!

:sharebeer

Broken Man 1999
by Broken Man 1999
Fri Nov 15, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: No Kids Yet - Beneficaries - Who are yours?
Replies: 34
Views: 2402

Re: No Kids Yet - Beneficaries - Who are yours?

Currently beneficiaries are Broken Man's estate, and Mrs. Broken Man's estate. Each of our holdings go into trust when we die. I will most likely set up trusts shells soon, just to facilitate ease of passage. Our wills set them up anyway, but I don't have to wait to set them up. I have a minor chang...
by Broken Man 1999
Fri Nov 15, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's Retirement book is #1 in WSJ listing
Replies: 13
Views: 2171

Re: Larry Swedroe's Retirement book is #1 in WSJ listing

I have every book Larry has written. One nice thing about the book under discussion is Larry has topics that are not necessarily financial, but highly related for retirement as a whole. I would encourage everyone to read his chapter about the plight of women when they are widowed. Very eye opening. ...
by Broken Man 1999
Fri Nov 15, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 12107

Re: Best thing you have ever bought?

Besides DW's engagement/wedding rings, paying for children's education so they left college with no debt.

Next would be pre-paying grand-kids tuition so they will be able to leave their studies unburdened with debt as well.

Best things I have ever purchased, hands down.

Broken Man 1999
by Broken Man 1999
Fri Nov 15, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208642

Re: U.S. stocks continue to soar!

DOW up 222.93 points, new record close. Portfolios all time highs, even with all our home projects we have done this year. Yeehaw! Smoking a stogie outside in cooler weather of 64 degrees F. Opening frosty adult beverage. Life is good, really, really good! Makes me want to tell DW to go spend some ...
by Broken Man 1999
Fri Nov 15, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2798

Re: Garage Generator Install

If I did such a setup, the generator could stay outside and still be completely protected from the elements. I probably would still prefer to plug it in, and hook up the gas only when about to use. I keep the generator on a trickle charger so we can easily crank without worrying about a dead batter...
by Broken Man 1999
Fri Nov 15, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208642

Re: U.S. stocks continue to soar!

DOW up 222.93 points, new record close. Portfolios all time highs, even with all our home projects we have done this year. Yeehaw! Smoking a stogie outside in cooler weather of 64 degrees F. Opening frosty adult beverage. Life is good, really, really good! Makes me want to tell DW to go spend some m...
by Broken Man 1999
Fri Nov 15, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2798

Re: Garage Generator Install

Aren't these deck boxes made of plastic/resin? Do you just store the generator in the box when not in service, and remove when operating? I can't see how one could run a generator in such a box, but maybe I am misunderstanding. Yes they are made of resin. I've cut in 24x24" vents (standard return r...
by Broken Man 1999
Fri Nov 15, 2019 3:23 pm
Forum: Personal Investments
Topic: Which SS strategy makes more sense?
Replies: 24
Views: 1865

Re: Which SS strategy makes more sense?

couple of things I think about, in no particular order: 1. Health of the participants. DWs health OK. Mine, mostly OK. 2. Guesses about longevity of the participants. DWs longevity, if at all genetic, will be longer than mine. And, being the lower earner, she will get a bump up. 3. Actual need to wo...
by Broken Man 1999
Fri Nov 15, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2798

Re: Garage Generator Install

Aren't these deck boxes made of plastic/resin? Do you just store the generator in the box when not in service, and remove when operating?

I can't see how one could run a generator in such a box, but maybe I am misunderstanding.

Broken Man 1999
by Broken Man 1999
Fri Nov 15, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Equal Inheritance for Children
Replies: 75
Views: 7244

Re: Equal Inheritance for Children

Son is single, daughter is married and has one child but that's their choice. I like this, I've had people ask my advice about leaving money to GK and or GGK. My advice is no, you should know how many kids you have (and at your age 99% chance that will not increase), you do NOT know how many GK or ...
by Broken Man 1999
Fri Nov 15, 2019 12:34 pm
Forum: Personal Investments
Topic: Which SS strategy makes more sense?
Replies: 24
Views: 1865

Re: Which SS strategy makes more sense?

Prior to DW turning 62, we set up an appointment with SS office nearby. Very helpful, knowledgeable staff. I was very pleased with the experience. The SS person ran our info, and she advised us that the break-even for us would be in the ages of eighty-something. So DW started at age 62. I was receiv...
by Broken Man 1999
Fri Nov 15, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 80
Views: 6797

Re: What tools do you use to track your finances?

I track my investment portfolio, including other financial accounts that are not at Vanguard via Vanguard's online "Balances and holdings tab". External accounts are updated automatically via the Yodlee aggregator program at Vanguard, though I do have to manually update my I-Bond's value. So, every ...
by Broken Man 1999
Fri Nov 15, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Forgot to pay Kohl's bill for two months, consequences?
Replies: 36
Views: 2323

Re: Forgot to pay Kohl's bill for two months, consequences?

As stated by another poster above, Kohl’s does have autopay. https://cs.kohls.com/app/answers/detail/a_id/1247/~/my-kohls-charge-autopay Cheers I would never want any credit card to pull money from my checking account. what is your reason? I have been doing it for years with many, many cards and ne...
by Broken Man 1999
Thu Nov 14, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Fort Meyers or south a bit in Feb advice please
Replies: 16
Views: 953

Re: Fort Meyers or south a bit in Feb advice please

The weather in SW Florida can be pretty much of anything in early February. I've seen it in the 30's with rain, wind and cold and in the 80's with beautiful weather. The Gulf is usually much too cold for swimming although the joke around here is only the Canadians are in the water at that time of y...
by Broken Man 1999
Thu Nov 14, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)
Replies: 33
Views: 3023

Re: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)

When you applied, was there a question about arrests on the application? If so, did you answer honestly? I believe in some states that question can no longer be asked. Perhaps your state is one that restricts such questions on applications. OP, I would expect many of us could have been charged in si...
by Broken Man 1999
Thu Nov 14, 2019 5:25 pm
Forum: Personal Investments
Topic: [Should I include my wife's assets in request for portfolio review?]
Replies: 8
Views: 593

Re: Question?

Best to consider both members investments as one portfolio, so a useful discussion can be possible.

Otherwise separate portfolios could substantially affect overall AA for the two of you.

Broken Man 1999
by Broken Man 1999
Thu Nov 14, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Consequence of senior not paying phone bill and closing account
Replies: 31
Views: 1859

Re: Consequence of senior not paying phone bill and closing account

A $500 bill to someone having a portfolio of about $1,000,000? Seriously, pay the bill. It was incurred, and the funds are available. Being old doesn't excuse the person from the obligation to pay legit bills. Sets a bad example for other family members. Better to show character than try to skip obl...
by Broken Man 1999
Thu Nov 14, 2019 5:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1993
Views: 208642

Re: U.S. stocks continue to soar!

Stinky wrote:
Thu Nov 14, 2019 4:03 pm
Another day.

Another record high close for the S&P 500.

Ho hum. :moneybag
Yeah, but not the DOW!

Woe is us! :D

Broken Man 1999
by Broken Man 1999
Thu Nov 14, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2798

Re: Garage Generator Install

Op, what is your primary reason for not having the generator outside? You can get generators that kick in with loss of commercial power. Quieter, isolated from living areas, takes up no garage space, enclosed with noise dampening materials, always ready to go. My generator is staged outside a garage...
by Broken Man 1999
Thu Nov 14, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Equal Inheritance for Children
Replies: 75
Views: 7244

Re: Equal Inheritance for Children

Why not give $7500 a year to both child A and child B? This would help child A now, and it would be equally fair to both. Yes, this idea is very fair. OP, in your plan, suppose the market crashes, and you are unable to "square up" the two children's amounts received. Why risk that possibility, it c...
by Broken Man 1999
Thu Nov 14, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2798

Re: Garage Generator Install

I wouldn't do it, even if I could do it to code, with insurance, and fire department blessings. Just because you can do something, doesn't mean you should. One phobia I developed after being confined to a wheelchair is the fear of fire. Freaks me out. I currently have four fire extinguishers in my h...
by Broken Man 1999
Thu Nov 14, 2019 12:02 pm
Forum: Personal Investments
Topic: If one is pessimistic about both stocks and bonds, does a SPIA make sense?
Replies: 64
Views: 3202

Re: If one is pessimistic about both stocks and bonds, does a SPIA make sense?

I would argue if you think both stocks and bonds are doomed, your SPIA is probably not safe either. The SPIAs are guaranteed in the case of insurer insolvency. By the same government agencies that issued the failed bonds? The assumption is BOTH bonds and stocks are unsafe. If US government debt sta...
by Broken Man 1999
Thu Nov 14, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: Morningstar's active bond ratings article
Replies: 18
Views: 1376

Re: Academics accuse Morningstar of misclassifying bond funds

I was thinking about trying to find Vanguard bond funds with a reasonably small number of bonds in them and seeing whether I could verify Morningstar's breakdown by grade. Vanguard's own website has its own breakdown, which might or might not help... ...but the problem is that the only Vanguard bon...
by Broken Man 1999
Thu Nov 14, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Wealth Effect?
Replies: 10
Views: 1239

Re: Reverse Wealth Effect?

I've noticed that I tend to become more frugal as my portfolio increases, and less frugal as my portfolio decreases. This is exactly the opposite as what financial theory might predict, and I wonder if other people on this board experience this too. For example, when I see substantial increases in ...
by Broken Man 1999
Thu Nov 14, 2019 9:17 am
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 14905

Re: Spend It All vs. Leave $$ for the Kids

I think one of the best things you can do is to setup your children for success. Set a good example, teach them and encourage them to be independent. We have a DAF and they win when we win. As long as your children are doing the right things in life, I don’t know why you would not choose to leave m...
by Broken Man 1999
Wed Nov 13, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 35
Views: 2786

Re: Collection Calls Right After Death

Since sister was aware of the HELOC, have her contact the bank and find out what is going on. Since she is divorced, is there any reference to the loan in her divorce papers? Does she have a lien on the home? Might be a scam, might not. Heck, when I dealt with banks for mortgages and such, I signed ...
by Broken Man 1999
Wed Nov 13, 2019 5:28 pm
Forum: Investing - Theory, News & General
Topic: Help me understand Owl Rock's 7% return
Replies: 16
Views: 1578

Re: Help me understand Owl Rock's 7% return

I think Vanguard's high yield junk bond fund is about the only one I would ever consider.

I think their fund is less junky.

Owlrock, NOPE! :shock:

Broken Man 1999