Search found 4843 matches

by Broken Man 1999
Sun Sep 27, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: Retirees spending question
Replies: 12
Views: 923

Re: Retirees spending question

I took my pension in 2015, DW took her SS same year. For the last few years, we have spent more, due to remodeling projects. The most expensive ones are completed, and even though we had a bath remodel this year, we spent substantially less than in 2018 and 2019. So, more spending for a couple of ye...
by Broken Man 1999
Sun Sep 27, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 35
Views: 2545

Re: DIY life style. Typical Boglehead?

For DIY, I went through three stages: 1. I HAD to do DIY projects. DW and I married at age 18, and started our working career with minimum wage jobs. We were poor. So I have done oil changes, tune-ups, brake jobs, wheel bearing replacements/repacking, fan belts, radiator hoses, generators and altern...
by Broken Man 1999
Sun Sep 27, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 50
Views: 3260

Re: What are subscriptions that add the most value in 2020?

AAA, why so popular? I mean the internet has kind of taken over triptiks and all those paper tourbooks and maps. The magazine ain't so great. And auto insurance policies add towing/help labor..etc for a buck or 2, and I haven't found their auto insurance to be competitive. The AAA decal may have so...
by Broken Man 1999
Sun Sep 27, 2020 8:39 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 88
Views: 6614

Re: Buckets in Retirement

dbr wrote: Sun Sep 27, 2020 8:35 am I tend to get worked up when it looks like someone is going through agonies to make something more complicated and stressful than it really needs to be. I would like people to practice good mental health habits rather than the opposite.
This!

Broken Man 1999
by Broken Man 1999
Sat Sep 26, 2020 4:40 pm
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 88
Views: 6614

Re: Buckets in Retirement

The trouble with the One Big Bucket O'Money approach to retirement, for me, is that I have never had a big bucket of money. Instead I have had a series of problems that need to be solved. Can I live indoors, independently, in nice surroundings I choose? Can I keep the heat, water, and lights on? Ca...
by Broken Man 1999
Sat Sep 26, 2020 2:56 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Preferred Short Term Bond Fund For A Retiree's IRA in Distribution Phase?
Replies: 20
Views: 1195

Re: What Is Your Preferred Short Term Bond Fund For A Retiree's IRA in Distribution Phase?

We use Vanguard's Short-term Treasury Index mutual fund. We use it because I look for safety before yield. Broken Man 1999 With a yield of 0.08%, why is simple no penalty CD not better? Probably is. However, I don't wish to spend time on activities that at the end of the day won't make a bit of dif...
by Broken Man 1999
Sat Sep 26, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 50
Views: 3260

Re: A bunch

For us. Shopping Amazon Prime Costco TV Hulu with Live TV Disney+ HBO Max Amazon Prime Video IMDBTV RMPBS Netflix Apple TV+ Print Magazines 5280 Architectural Digest Departures Dwell Fine Cooking Fine Homebuilding Kitchen & Bath Design News Milk Street Modern in Denver New Yorker NY Times Washingto...
by Broken Man 1999
Sat Sep 26, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: What Is Your Preferred Short Term Bond Fund For A Retiree's IRA in Distribution Phase?
Replies: 20
Views: 1195

Re: What Is Your Preferred Short Term Bond Fund For A Retiree's IRA in Distribution Phase?

We use Vanguard's Short-term Treasury Index mutual fund. We use it because I look for safety before yield.

Broken Man 1999
by Broken Man 1999
Sat Sep 26, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning attorneys: how to split an inheritance?
Replies: 28
Views: 2199

Re: estate planning attorneys: how to split an inheritance?

I'm an outlier for this exercise I'm pretty sure. First, I think if I want to give my grandchildren something, it isn't a task for others to do for me. IOW, I'll take care of it myself. So, I divided my holdings into two parts, one for DDs, and one for grandchildren. DDs will each get 25% of estate,...
by Broken Man 1999
Sat Sep 26, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Cheapest place to get subscription to Wall Street Journal
Replies: 36
Views: 3504

Re: Cheapest place to get subscription to Wall Street Journal

In July I paid $102.69 for a one year print edition subscription of W$J on Ebay. ... Broken Man 1999 Any idea how this works as it sounds too good to be true. You get an access code or something? Does it work for others like NYT, Wash Post? I am also intrigued by this. How does it actually work? Cu...
by Broken Man 1999
Sat Sep 26, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 50
Views: 3260

Re: What are subscriptions that add the most value?

In no particular order: Amazon Prime Costco AAA W$J print edition (for my current rate of $109.69/year) City Journal Bloomberg BusinessWeek (for my current rate of $2.00/year) Microsoft365 for six users Hulu (for my current rate of $2.27/month) The Economist (for my current rate of $47.99/year) Las...
by Broken Man 1999
Sat Sep 26, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2739

Re: What's your favorite reasonably priced gin?

Bombay Sapphire is my gin of choice. I bought Tanqueray for a few years, but I changed to Bombay and I've stuck to it for many years.

So far as Costco spirits, I have not tried all their offerings, but I have tried some, and the ones I have tried are fine by me.

Broken Man 1999
by Broken Man 1999
Sat Sep 26, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 50
Views: 3260

Re: What are subscriptions that add the most value?

In no particular order: Amazon Prime Costco AAA W$J print edition (for my current rate of $109.69/year) City Journal Bloomberg BusinessWeek (for my current rate of $2.00/year) Microsoft365 for six users Hulu (for my current rate of $2.27/month) The Economist (for my current rate of $47.99/year) Las...
by Broken Man 1999
Sat Sep 26, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 50
Views: 3260

Re: What are subscriptions that add the most value?

In no particular order: Amazon Prime Costco AAA W$J print edition (for my current rate of $109.69/year) City Journal Bloomberg BusinessWeek (for my current rate of $2.00/year) Microsoft365 for six users Hulu (for my current rate of $2.27/month) The Economist (for my current rate of $47.99/year) Last...
by Broken Man 1999
Sat Sep 26, 2020 10:56 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 88
Views: 6614

Re: Buckets in Retirement

Well, I have always kept all the dollars in our "one big bucket" we call our retirement portfolio in total darkness. None of them have any idea when they will be called and cast out of the retirement portfolio. I purposefully do this to keep morale high. Think if you were a dollar in the "required s...
by Broken Man 1999
Sat Sep 26, 2020 10:12 am
Forum: Personal Investments
Topic: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees
Replies: 28
Views: 1632

Re: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees

Also consider whether the simplicity of managing your child's 529 with a single log-in is more important than a small difference in expense ratios. NV (Vanguard) and NH (Fidelity) are worth considering for this reason, and still have very competitive fees. (KS (Schwab) has higher fees than NV and N...
by Broken Man 1999
Sat Sep 26, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Cheapest place to get subscription to Wall Street Journal
Replies: 36
Views: 3504

Re: Cheapest place to get subscription to Wall Street Journal

In July I paid $102.69 for a one year print edition subscription of W$J on Ebay.

This is the third time I have bought a W$J subscription from a seller on Ebay. Thus far, I have never had a problem on any of the subscriptions.

Works for me.

Broken Man 1999
by Broken Man 1999
Fri Sep 25, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Medical Alert Recommendations
Replies: 7
Views: 396

Re: Medical Alert Recommendations

Although it isn't a total solution for your needs, an Echo device can make phone calls if the person is capable of speaking. Even the cheapest version (Echo Dot) has the functionality. Just another tool. Now the Alexa devices are getting "smarter", and I wonder if I were to tell her to call 911 if s...
by Broken Man 1999
Thu Sep 24, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Bogleheads knows how many Echo devices I have
Replies: 66
Views: 3073

Re: Bogleheads knows how many Echo devices I have

Out of curiosity, I just tried asking the same question and got the following response: "Here's something I found on the Web: according to Bogleheads.org, you have three Echo devices." In fact, I have five Echo devices physically located in my home but one is still in the box (unopened) and another...
by Broken Man 1999
Thu Sep 24, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Anyone use the Blueberry Pediatrics subscription or something similar?
Replies: 5
Views: 643

Re: Anyone use the Blueberry Pediatrics subscription or something similar?

Noticed that Blueberry Pediatrics is waiving their enrollment fee. Supposedly for $15 a month you have access to a pediatrician 24/7 via video chat. I'm the first time mom of a two year old in day care who is constantly sick with one rash or an ear infection or something. It would be nice to not ha...
by Broken Man 1999
Thu Sep 24, 2020 11:10 am
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 88
Views: 6614

Re: Buckets in Retirement

Our retirement portfolio consists of bonds/index bond funds and equity index ETFs/individual equities. I suppose in the broadest sense our portfolio could be said to have two buckets. I don't think of our portfolio in terms of buckets, since I only have two things (buckets) to draw from, and to reba...
by Broken Man 1999
Wed Sep 23, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 111
Views: 8870

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 tho...
by Broken Man 1999
Wed Sep 23, 2020 11:07 am
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2795

Re: How Many Brokerage Companies Are Too Many?

I have two, Vanguard, and Fidelity. The bulk of my, and all DW's investments are at Vanguard. My Fidelity brokerage account was opened to invest $1.00 in each of Fidelity's "zero" funds in August of 2018. Currently my holdings have grown to $1.01, and $1.17. Quick, which amount is Fidelity's Interna...
by Broken Man 1999
Tue Sep 22, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1772

Re: How does brand new credit card get compromised?

One time I had fraudulent charges on a replacement card that were made before I even received and activated it. The original card was being replaced for, drum roll: fraud! I have to believe the credit card folks have some criminals in their ranks. :shock: Though the card owner's are protected, colle...
by Broken Man 1999
Tue Sep 22, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Do items magically appear in your Amazon cart?
Replies: 27
Views: 1682

Re: Do items magically appear in your Amazon cart?

Never had it happen.

Broken Man 1999
by Broken Man 1999
Mon Sep 21, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging a physician's bill
Replies: 82
Views: 5310

Re: Challenging a physician's bill

What I find interesting is the idea to make the bill lower by reporting a medical person who made a mistake in handing the file of someone else.

That seems rather childish to me.

toofache32, I totally understand why you run your practice the way you do.

Broken Man 1999
by Broken Man 1999
Mon Sep 21, 2020 1:30 pm
Forum: Personal Investments
Topic: Where do you invest your bond allocation?
Replies: 8
Views: 1122

Re: Where do you invest your bond allocation?

Our bonds are in our TIRAs, our Vanguard VA, and we hold Series I savings bonds. TIRAs hold Vanguard Short-term Treasury Index MF, Vanguard Intermediate-term Treasury Index MF. The Vanguard VA holds Total Bond Index MF. And the Series I Savings Bonds are tax-deferred (if desired, though paying accru...
by Broken Man 1999
Mon Sep 21, 2020 11:59 am
Forum: Personal Investments
Topic: I-bonds and the interest treatment......
Replies: 8
Views: 910

Re: I-bonds and the interest treatment......

RMDs (starting in 5 years for both of us) plus I-bond redemptions (starting in 2030) will be interesting, to say the least.

But, as others have said, it is a nice problem to have.

Broken Man 1999
by Broken Man 1999
Mon Sep 21, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 14943

Re: Is Costco worth the $120 membership?

Just checked, my cash reward is currently $117.95. I pay for the $60 lower level membership, not much extra offered by the $120 membership that we are interested in. This year I have purchased four Chrome books, and two Apple IPads, those purchases added a lot to our cash rewards. Four chromebooks ...
by Broken Man 1999
Mon Sep 21, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Any retirees thought about cutting spending in March 2020?
Replies: 53
Views: 3699

Re: Any retirees thought about cutting spending in March 2020?

The pandemic reduced our expenses, with no attempts on our part, but rather from fewer trips out and doing things that cost money. We ate restaurant food as much as we always did via delivery, but saved some by not having to pay for liquor/beer/wine like we would have if we were actually at the rest...
by Broken Man 1999
Mon Sep 21, 2020 8:35 am
Forum: Personal Investments
Topic: I-bonds and the interest treatment......
Replies: 8
Views: 910

Re: I-bonds and the interest treatment......

I can can relate to your dilemma and I have stuck with my usual approach to not pay taxes until necessary. I’m looking at a very sizable tax on I-Bond interest income beginning in 2030 but I’m not about to accrue the interest income and begin to pay the tax now. For all I know, the income could be ...
by Broken Man 1999
Mon Sep 21, 2020 8:32 am
Forum: Personal Investments
Topic: I-bonds and the interest treatment......
Replies: 8
Views: 910

Re: I-bonds and the interest treatment......

Yes you have to use the same method for all I bonds you own. And I bonds owned by discarded tax entity such as RLTs are treated as owned by you. You can find the answer in IRS Pub 550. Thanks! I thought it would be a no-go, but sometimes in a group as large as BHs someone has a new wrinkle to add. ...
by Broken Man 1999
Sun Sep 20, 2020 5:30 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12904

Re: Is anyone waiting until after the election?

Nope.

I stay as fully invested as I can, so I don't have any loose $$$ to hold until after the election.

Broken Man 1999
by Broken Man 1999
Sun Sep 20, 2020 5:23 pm
Forum: Personal Investments
Topic: I-bonds and the interest treatment......
Replies: 8
Views: 910

I-bonds and the interest treatment......

I have a good amount of I-bonds from the early days, and I chose to pay the interest at the bond's redemptions. The choice is paying taxes as the interest accrues, or, like I have chosen, to pay at redemption. Our current I-bonds are titled with me being the owner, and DW being the beneficiary. Woul...
by Broken Man 1999
Sun Sep 20, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20135

Re: Your "at peace" moments.

Enjoy the good times since they won't be there forever! Why can't good times be here forever in your lifetime? It can, really, if you will set your mind to it. !!! Live. Live. Live. Love! Love! Love! You are proof good times can always be there. Way too many folks haven't learned they are the prime...
by Broken Man 1999
Sun Sep 20, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 14943

Re: Is Costco worth the $120 membership?

DW has Sam's Club w/credit card, and I have Costco w/credit card. Just checked, my cash reward is currently $117.95. I pay for the $60 lower level membership, not much extra offered by the $120 membership that we are interested in. This year I have purchased four Chrome books, and two Apple IPads, t...
by Broken Man 1999
Sun Sep 20, 2020 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 20622

Re: Preparing for retirement in mid 30s

I suppose time will tell how OP's idea pans out. Hopefully it will be successful. I can honestly say that overall I didn't love my job, but I never hated my job. I never dreaded putting on my shoes and heading to MegaCorp. Nevertheless, there is a reason a job is called work. However, the thing I di...
by Broken Man 1999
Sat Sep 19, 2020 9:04 am
Forum: Personal Consumer Issues
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 106
Views: 14451

Re: Anybody else enjoy sitting around and doing little in retirement?

The only thing I don't enjoy is having to fill out my list of things I don't have to do every day. It gets tiresome.

:oops: Doh! I just realized I don't have to fill out no stinking list at all!

Broken Man 1999
by Broken Man 1999
Sat Sep 19, 2020 8:51 am
Forum: Investing - Theory, News & General
Topic: Lars Kroijer: If you are not in Total World (VT or VTWAX) you are market timing!
Replies: 50
Views: 4382

Re: Lars Kroijer: If you are not in Total World (VT or VTWAX) you are market timing!

Market timer? So what. I've been called far worse.

Besides, there is some truth to me being a market timer. Though, I call it rebalancing. Apparently if you say (or write down) when you are going to market time, then you can call it rebalancing.

Broken man 1999
by Broken Man 1999
Fri Sep 18, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Pretending to enjoy sports for business/social reasons
Replies: 83
Views: 4766

Re: Pretending to enjoy sports for business/social reasons

I think the best sports activities for me was going to the class A farm league games of the St Louis Cardinals games in St. Petersburg. A good friend and I would load up our kids and drive over from Tampa. Free tickets were available at grocery stores, and frequently the game offered 25 cent hot dog...
by Broken Man 1999
Fri Sep 18, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 20135

Re: Your "at peace" moments.

Although it isn't a quiet time, I feel most at peace when my grandchildren are visiting and playing in the sunroom. I don't even need to see them, just hearing them works just as well. Broken Man 1999 Three years later, and still the case. One set of grandchildren spent several hours a day M-F over...
by Broken Man 1999
Fri Sep 18, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12914

Re: Grocery store didn't tell me Shingrix was $160

FWIW, here is the claim submitted to my Humana Medicare Advantage PPO for my first shingles shot yesterday: Total billed charges $179.48 Plan paid $159.48 Your share $20.00 For my senior quad flu shot, here are the particulars: Total billed charges $70.00 Plan paid $70.00 Your share $0.00 (actually ...
by Broken Man 1999
Thu Sep 17, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12914

Re: Grocery store didn't tell me Shingrix was $160

Just wanted opinions: ... I think they should have told us in the two weeks or even that day, not afterwards. I can certainly relate. DH just got his first shot a week ago. CVS had his ins. info and said "today's shot is free (covered). ". Now that was before he informed us that there is a 2nd shot...
by Broken Man 1999
Wed Sep 16, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12914

Re: Grocery store didn't tell me Shingrix was $160

I'll be paying $20 to get the first shot tomorrow at Publix. So far as OP's issue: 1. The price of $160 doesn't seem to be a rip-off price at all ( which OP is NOT suggesting ), so that was good. 2. I subscribe to the notion that I am the only one responsible for looking out for WHERE my dollars an...
by Broken Man 1999
Wed Sep 16, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12914

Re: Grocery store didn't tell me Shingrix was $160

I'll be paying $20 to get the first shot tomorrow at Publix. So far as OP's issue: 1. The price of $160 doesn't seem to be a rip-off price at all ( which OP is NOT suggesting ), so that was good. 2. I subscribe to the notion that I am the only one responsible for looking out for WHERE my dollars and...
by Broken Man 1999
Wed Sep 16, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12914

Re: Grocery store didn't tell me Shingrix was $160

Flu shots at the grocery store are $35 to $65. They are free at the Dr's office. We'll wait a week and get them for free. Last couple of years Publix has paid us ($10 each) to get our flu shots. Back on task: Looking at GoodRX, the coupons available are for $155 a dose, so these shingles shots aren...
by Broken Man 1999
Wed Sep 16, 2020 9:29 am
Forum: Personal Investments
Topic: Two tranche I bond emergency fund?
Replies: 5
Views: 440

Re: Two tranche I bond emergency fund?

I can’t comment on the primary question regarding paper bonds. I’m just replying to add that while the Treasury Direct website is unique, it is not problematic at all. Anyone who has issues using it is not following the clear instructions which are quite evident on the website itself. No boogeyman ...
by Broken Man 1999
Mon Sep 14, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Caretaker for parents?
Replies: 46
Views: 3045

Re: Caretaker for parents?

DW took care of her mother for the last few years of mother's life. Understand, caring for a loved one is draining. DW's mother had no cognitive issues, but her needs slowly sucked up DW's hours. With all due respect, I don't think you know what you are signing up to do. You cannot do this alone. Pe...
by Broken Man 1999
Mon Sep 14, 2020 1:18 pm
Forum: Personal Investments
Topic: New 529 Plan
Replies: 10
Views: 659

Re: New 529 Plan

For the 529 plans for our grandchildren I use the Vanguard 529/Nevada plan. We save no state income taxes as Florida has no income taxes. One nice thing about the Vanguard/Nevada 529 plan is it can be managed with your other Vanguard holdings. No other login needed. Your choice if you want the plans...
by Broken Man 1999
Mon Sep 14, 2020 10:24 am
Forum: Personal Investments
Topic: How much are your 529 Contributions
Replies: 133
Views: 7465

Re: How much are your 529 Contributions

I am contributing $100/month for each of my four grandchildren. I have already spotted each tuition plan via the Florida Pre-paid College program. Still lots of other expenses to consider. Oldest grandchild turns 12 in October (Where did the time go?) so I am kicking the amount up periodically. I li...