Search found 1155 matches

by Broken Man 1999
Sat Jul 14, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8227

Re: Amazon won't sell this book to me.

the library workers are paid enough so that they don't have to use food stamps. How much are your library workers paid? Do you know? The Amazon workers involved in e-books are probably paid the same or more as library workers doing the same tasks. If you are comparing your library workers to Amazon...
by Broken Man 1999
Fri Jul 13, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3136

Re: Like Lifestrategy Funds but???

Maybe a better fit would be Vanguard Balanced Index Fund Admiral Shares (VBIAX). 60.08% Stocks 39.77% Bonds 0.15% Short-term reserves There is no international in the equity or bond holdings, I don't think. All US. I kinda like this mutual fund for a portfolio simplification effort I am contemplatin...
by Broken Man 1999
Fri Jul 13, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1356

Re: Do insurance agents add value? How?

???? You didn't get a notice from the insurance company itself, in the form of a paper, printed, USPS-mailed letter? OP stated they received the bill, filed it away. Then forgot about it. Didn't say how long the period of late payment was, so maybe it was too early to get a "your policy has been ca...
by Broken Man 1999
Thu Jul 12, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: $6.55 Northrup Grumman 401k class action settlement
Replies: 31
Views: 5101

Re: $6.55 Northrup Grumman 401k class action settlement

OP - Don't get discouraged by the small amount. Just imaging how much it will be worth in 30-50 years if you invest it in VTSAX (I suggest lump sum instead of DCA). Wife and I have received our settlement from SeaWorld Entertainment. Two bags of popcorn for each of us. Woo Hoo! Oh well next time we...
by Broken Man 1999
Wed Jul 11, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2510

Re: How to plan for health insurance at a young age?

Honestly, attempting to project health care costs so far in the future is likely to produce an inaccurate amount of $$$. This is totally out of your control. However, you can stash as much as you can into retirement investments, live below your means, and hopefully your savings/investments will sust...
by Broken Man 1999
Wed Jul 11, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Do I need Commercial Auto Insurance for a Business vehicle?
Replies: 14
Views: 754

Re: Do I need Commercial Auto Insurance for a Business vehicle?

What does your current insurance provider say? I would imagine the rate for commercial use is much higher because the vehicle is a primary asset in use by the business, which means the liability risk to the insurance company is greater. When I bought my last wheelchair van, I faced additional questi...
by Broken Man 1999
Wed Jul 11, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4402

Re: 30 Year vs 15 Year Mortgage

Every loan I have ever taken was taken for the longest term, all cars and homes. But every loan I ever took was paid off much earlier than the term of the loan, as at some point I would have extra funds, and just get tired of writing a check each month. Obviously this strategy cannot always work if ...
by Broken Man 1999
Mon Jul 09, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 16
Views: 1064

Re: Estate Planning and Charity

Nieces?
Nephews?

Broken Man 1999
by Broken Man 1999
Mon Jul 09, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3255

Re: What do you pay for home services?

We pay $120/month for weekly lawn service. For that we get lawn cut, lawn, driveway, sidewalks edged, and deck blown off. Trimmings bagged for pickup by city. Home is a two-story brick w/vinyl siding that only needs a pressure wash every 12-18 months for $250-$280. Gutters twice/year for $100 each t...
by Broken Man 1999
Sat Jul 07, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 34
Views: 2326

Re: Financial Newspapers & Publications

I subscribe to Bloomberg BusinessWeek for $2.00/year. Each year the magazine company sends me a postcard stating what my new rate will be (full price). I call the 800 number to cancel, but for years now I have been offered an extension, all via automated phone system. I think some magazine publisher...
by Broken Man 1999
Fri Jul 06, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 42
Views: 2890

Re: Tire experts? Can I trust a patched tire?

I have had a tire patch about once every 3 years since the early 1980s. I have never had a problem after the patch. For some reason, my tires seem to attract nails and screws that are left on the street by lazy contractors.... :annoyed Never had an issue with a patched tire. In fact when I was a pu...
by Broken Man 1999
Fri Jul 06, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 3920

Re: Monthly Water Usage

Wife and I were using about 2800-3500 gal per month. Daughter and family moved in while having a new house built, and water use has spiked to 8500- 9000 gal per month. Went from two of us to now six of us. Lots of showers as DD and SIL are runners/exercise folks. A couple of showers a day for them. ...
by Broken Man 1999
Thu Jul 05, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 86
Views: 5077

Re: How to tip

audioaxes wrote:
Thu Jul 05, 2018 3:07 pm
18+% pre-tax. A pet peeve of mine is when restaurants suggested tips are calculated with post-tax amounts.

Sadly I'm sure the tip math stumps some people. And, perhaps it shames some skinflints a bit to encourage a tip that is more normal for good service.

Broken Man 1999
by Broken Man 1999
Wed Jul 04, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 86
Views: 5077

Re: How to tip

20% on entire tab so long as service was good. I notice some cities are trying to have the servers paid minimum wage, but I think that hurts the really good waiters/waitresses. My daughters waited tables while in college, and they made substantially more than minimum wage, and much more that the cur...
by Broken Man 1999
Wed Jul 04, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 6928

Re: Cheapest way to buy a phone in 2018?

Wife just bought me a new Samsung S9 at Best Buy. Added $20.50 for 24 months, so not a bad deal. Less than $500 for Samsung's flagship phone. I had a Samsung S6 that I had replaced the screen on, but wife dropped it a so I needed a new phone. Nice early birthday present. I still use my Samsung S3 as...
by Broken Man 1999
Tue Jul 03, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9377

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

Given our portfolio is about half bonds (via funds, not individual bonds), a market downturn would be duly noted, but wouldn't really change anything. We would sell from bond funds to prevent the need for selling depressed/lower-valued equity funds. It is possible, if the situation warrants, perhaps...
by Broken Man 1999
Tue Jul 03, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 2990

Re: Asset Allocation once you reach your target

We are about 49% equity and 49% bonds with about 2% in Vanguard's Federal Money Market Fund. In retirement 2.5 years.

Works for us.

Broken Man 1999
by Broken Man 1999
Tue Jul 03, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: PurePoint...nice gesture
Replies: 6
Views: 675

Re: PurePoint...nice gesture

A neighbor receives a large, real Christmas wreath for his door each year from Raymond James. It's a beauty! Luckily my wife is a crafter, and we have a nice Christmas wreath as well, actually wreaths for many occasions. All I get from Vanguard is my year-end household statement! I'm OK with that. N...
by Broken Man 1999
Mon Jul 02, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7580

Re: Trust Help From Cruel Stepmother

This entire scenario just reinforces my belief that there is great danger in folks not sharing the details of wills and trusts with those who would be a beneficiary and those charged to administer the provisions of a will or the successor trustee(s) of a trust. IMHO, the lack of quality discussions ...
by Broken Man 1999
Mon Jul 02, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Literacy Pt. 2
Replies: 4
Views: 699

Re: Financial Literacy Pt. 2

A couple of thoughts: I agree with a previous poster about not worrying about starting a 529 plan. It (529 plan) most likely wouldn't appreciate much while you are a student, and it is very possible you could lose money. Generally if your need for funds is within 5 years or less, most seem to advise...
by Broken Man 1999
Mon Jul 02, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12646

Re: What are your property taxes?

NJ $11,310 for 1400sqft on 1/4 acre. People who pay significantly less, do you have local professional police/fire? Also curious if you have things like 2x weekly garbage and recycling pickup that’s included. Yep. Great police department and fire department. Residents have twice per week garbage pi...
by Broken Man 1999
Sun Jul 01, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Experienced with Credit Card Fraud ? Need Advice
Replies: 21
Views: 2046

Re: Anyone Experienced with Credit Card Fraud ? Need Advice

Is it actually true that if you file a police report and identify the thief, your bank will no longer cover the loss on a debit card? Or is USAA covering the loss as a courtesy and it's USAA policy that they'll withdraw the courtesy if you identify the thief? I could see them saying that if you get...
by Broken Man 1999
Sun Jul 01, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12646

Re: What are your property taxes?

RE taxes $1678, home worth $260K - $290K. Held in check by increase max of 3% or inflation rate, whichever the least.

Sales tax 7%.

Florida.

Broken Man 1999
by Broken Man 1999
Sat Jun 30, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Lumber Liquidators Safety Issue
Replies: 22
Views: 3355

Re: Lumber Liquidators Safety Issue

We are replacing extremely worn out carpeting and laminate flooring with luxury vinyl planks. I read the previous comments, and I know a lot of you hate vinyl flooring. I want vinyl because wood isn't practical with swimmers dripping as they walk through the house, wet dogs, snow getting tracked in...
by Broken Man 1999
Sat Jun 30, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Toss Your Expectations
Replies: 36
Views: 4662

Re: Larry Swedroe: Toss Your Expectations

The article makes the point: However, a wide dispersion of potential outcomes, for which we must prepare when developing an investment plan, still exists. It’s also why an investment plan should include what we call Plan B, a contingency plan that lists the actions to take if financial assets were ...
by Broken Man 1999
Sat Jun 30, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Bogleheads approach to hair loss?
Replies: 15
Views: 937

Re: Bogleheads approach to hair loss?

I figure if my hair dislikes me so much that it leaves, I will not ask it back!

After all I have done for it over the years, and this is my reward? :x

Broken Man 1999
by Broken Man 1999
Fri Jun 29, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Does It Make Sense to Wait to Claim SocSec?
Replies: 62
Views: 6691

Re: Does It Make Sense to Wait to Claim SocSec?

When wife was thinking about drawing her SS at 62, we set up an appointment with the local SS office to get the facts together. A very helpful and knowledgeable SS staffer was able to determine how long it would take to make waiting until 67, or even 70 a better deal than drawing at 62. It worked ou...
by Broken Man 1999
Fri Jun 29, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 2784

Re: Are many of you??????

I am currently subscribed, along with paying for subscriptions for daughters, but these current subscriptions are the last rodeo. It seems every time I want to check anything, the model I am looking to check out isn't covered, but earlier models, sometimes no longer available, are covered. Their tes...
by Broken Man 1999
Thu Jun 28, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 39
Views: 3272

Re: Okay to paint exterior brick?

Wow! I have never seen a brick and flagstone combo! It was hideous, IMHO! I think most anything you could have done with the areas would have been an improvement. I have a brick home, and I think it is beautiful, but I see why you did what you did. I just can't fathom why the original builder would ...
by Broken Man 1999
Thu Jun 28, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Will? Trust? Other?
Replies: 12
Views: 599

Re: Will? Trust? Other?

Thanks for all the info/suggestions! delamer, we have a Vanguard deferred annuity that has enjoyed terrific run-up in value. We She will annuitize it eventually, probably if/when I pass. bsteiner, wife and I, as well as all daughters live in Florida. Both of us turn(ed) 65 this year, she is one mont...
by Broken Man 1999
Thu Jun 28, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8529

Re: "homemade dividends" from Total Stock Market fund

In one of Larry Swedroe's books he offered up an idea why some investors prefer dividends (instead of selling shares) that made a lot of sense to me. His thought was if shares are sold, investors can second-guess themselves, and can have remorse if they sell into a down market. OTOH, dividends do no...
by Broken Man 1999
Thu Jun 28, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Will? Trust? Other?
Replies: 12
Views: 599

Re: Will? Trust? Other?

SNIP.....If you are very concerned about others exercising undue influence on her, then you may need to limit her ability to do these things. You could save a lot of money if you had a trusted competent individual who could serve as trustee. If that person were a close family member they may not ch...
by Broken Man 1999
Thu Jun 28, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Will? Trust? Other?
Replies: 12
Views: 599

Re: Will? Trust? Other?

Is your major concern that your wife isn’t able to or interested in managing investments?<br abp="339"><br abp="340">Or are you equally concerned that she will overspend and find herself in a bad financial situation? My fear is she will be taken advantage of, or make poor decisions. She is not one ...
by Broken Man 1999
Thu Jun 28, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Will? Trust? Other?
Replies: 12
Views: 599

Will? Trust? Other?

Wife and I are meeting with an estate and trust lawyer soon, hopefully to nail down our estate plans. Because of my wife's absolute disinterest in matters of the financial persuasion, I am looking for an estate vehicle that will accomplish a few things: 1. Protect wife from opportunistic individuals...
by Broken Man 1999
Thu Jun 28, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How many months of living expenses would you keep in your bank.
Replies: 61
Views: 3857

Re: How many months of living expenses would you keep in your bank.

We keep one month of living expenses in the credit union. Yesterday I transferred enough $$$ for July's expenses. Since most spending is paid for by 2% cashback credit card, we seldom have to transfer additional $$$ into credit union for the bills after our initial transfer. We pretty much know what...
by Broken Man 1999
Tue Jun 26, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation Rate, isn't it personal?
Replies: 46
Views: 3206

Re: Inflation Rate, isn't it personal?

The Federal Reserve Bank of Atlanta has a program named mycpi that offers perhaps a better estimation of your actual inflation. Of course no matter how many factors are used, the rate is still an estimation. The myCPI tool captures the uniqueness of the selection of goods that individuals purchase. ...
by Broken Man 1999
Tue Jun 26, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1549

Re: Planning for children

I would rank wills/estate planning and disability insurance above life insurance and rank all three of those things before 529 plans. Yes! Disability may cause a double whammy to your standard of living. First, your income stream might vanish. Then, you might have additional costs necessary to take...
by Broken Man 1999
Sat Jun 23, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can One Keep Trial Deposits?
Replies: 30
Views: 4530

Re: Can One Keep Trial Deposits?

Vanguard definitely takes them back. Earlier this month we removed a joint bank account and added wife's account. The small sums were removed after she acknowledged she received them.

Good for Vanguard! Why waste funds?

Broken Man 1999
by Broken Man 1999
Fri Jun 22, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14670

Re: Did you celebrate when you finally hit $1m?

We never celebrated, like many others on the board. Made mental note, and moved on. Besides, we have hit that bogey more than once, maybe three times, as the market that gives can also take away. :oops: I will be very excited if we meet our next major milestone. There is a good chance I'll actually ...
by Broken Man 1999
Thu Jun 21, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: HVAC installer just asked to borrow money..
Replies: 10
Views: 2105

Re: HVAC installer just asked to borrow money..

I had something similiar happen, and I've never had this happen before, in all my ~15 years of home ownership. We got four bids on wood floors and choose one based on quality, communication, and price. Entire install went absolutely perfect - quality, timeliness, cleanliness. I was thrilled. We pai...
by Broken Man 1999
Thu Jun 21, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 73
Views: 8234

Re: Do you invest in Real Estate ? Why ?

Yes. We own our home, and I have some shares of Vanguard's REIT ETF, VNQ. IF I had much more money, and IF I could have enough holdings to make a property manager worthwhile, I would certainly consider real estate as a holding, via rental units. Otherwise, not interested in RE, other than what forms...
by Broken Man 1999
Wed Jun 20, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2565

Re: Gifting trip for inlaws

AFAIK, there is a lot of opportunity for live country music shows in Branson. Nashville, TN might be more to their liking. Grand Ole Opry maybe? Probably a museum there, some live music venues as well. The current (new) country music is just a skip away from pop, IMHO. Lots of crossover, for sure. B...
by Broken Man 1999
Wed Jun 20, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1369

Re: How to evaluate charities to donate to?

I'm satisfied with the vetting that Charity Navigator does. For the most part, though, our funds stay local. One local charity earned perfect scores with Charity Navigator, Big Cat Rescue . They are sometimes the last stop for these animals, often acquired when some fool can no longer afford to feed...
by Broken Man 1999
Wed Jun 20, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: General Electric booted from Dow Jones Industrial Average
Replies: 52
Views: 6344

Re: General Electric booted from Dow Jones Industrial Average

WhiteMaxima wrote:
Wed Jun 20, 2018 10:40 am
GE could break up into GE aviation, GE health, GE power, GE appliance.
GE appliances are gone. Haier (Chinese company) owns them currently.

Broken Man 1999
by Broken Man 1999
Wed Jun 20, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 2111

Re: Storing Sustenance for Disasters

We have enough food in our pantry, such as Costco canned chicken and tuna, along with plenty of dry pasta, other can goods to last a couple of weeks easily. Though, our first source of food after our most likely disaster (hurricane) would be frozen foods subject to defrosting. Last time we lost powe...
by Broken Man 1999
Wed Jun 20, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1205

Re: Cataract surgery - one or two?

Wife had one eye done a month or so ago, other eye scheduled for late July. Wife was 64 for first eye, she will be 65 for second eye.

Double eye surgery wouldn't be for the faint of heart, IMHO.

We are OK paying more for separate surgery dates.

Broken Man 1999
by Broken Man 1999
Wed Jun 20, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: The Battle Of Passive Strategies
Replies: 71
Views: 7303

Re: Larry Swedroe: The Battle Of Passive Strategies

I agree with the article's conclusion that so far, results have supported his book's contention that: 1) passive beats active; and 2) tilting towards size and/or value is superior to Total Stock Market. What I'm unclear about in his article is that he also pushes the case that using DFA funds to ti...
by Broken Man 1999
Wed Jun 20, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8375

Re: Which Supermarket are you?

Ha! It had to happen some day, I guess! Today's fish wrapper tells me my go-to supermarket Publix is trialing valet service. Instead of schlepping in from the outer edges of the broiling parking lot, you drive up to the entrance of the store, throw your keys to the valet, grab your ticket, and go sh...
by Broken Man 1999
Tue Jun 19, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14697

Re: How much (green) cash at home for emergency ?

In Florida, it's best to have 8 or 10 red (or yellow) five-gallon containers of fuel for your car at home. When times get tough, merely having lots of cash won't help in this department... Never heard that before, and I’ve lived in Florida much of my life. Sounds like a potential disaster to me. We...
by Broken Man 1999
Tue Jun 19, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8415

Re: gray hair

No remaining strands of brown hair left, only grey, white, and a growing visible scalp. My hair and old friends/relatives are leaving me steadily as each year passes. I'm not sure whether my front hairline will reach the top of my head before the growing bald spot on the back of my head. Seems a rac...