Search found 1515 matches

by Broken Man 1999
Mon Nov 19, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Best way to deal with a smallish cash flow issue for a few months
Replies: 5
Views: 126

Re: Best way to deal with a smallish cash flow issue for a few months

I would use a balance transfer card myself. I have done it a few times when I didn't want to withdraw more money from investments that would push us into a higher tax rate, or I wanted the ability to push something into the next tax year. None of those activities cost 5% fee, though I suppose intere...
by Broken Man 1999
Sun Nov 18, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 68
Views: 4506

Re: Cremation seminar – with complimentary lunch

To Taylor and others donating or considering donating their bodies to science, a sincere thank you. Im sure many docs on this board share the same vivid memories of the anatomy lab with me. We had a ceremony to honor those who gave their bodies for our education. The bodies were treated with respec...
by Broken Man 1999
Sat Nov 17, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Zero Financial
Replies: 5
Views: 869

Re: Zero Financial

I wonder if the debit transactions are as protected as credit transactions when fraud activities take place. Wife just got her Sam's credit card hacked. No liability for her.

I've never seen the attraction of debit cards. Much rather use a credit card and earn rewards.

Broken Man 1999
by Broken Man 1999
Sat Nov 17, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Quality pea coat vs parka
Replies: 13
Views: 1492

Re: Quality pea coat vs parka

Peacoats from Army Surplus stores are all wool, inexpensive, well made and stylish. They sell new ones as well as used, typically. Tim I second trying to find an military surplus pea coat. One DD wears my father's WW II Coast Guard pea coat when it gets really cold in Florida, which is seldom. My f...
by Broken Man 1999
Fri Nov 16, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1788

Re: What convenience fees does your city charge for credit card use?

So far my city hasn't started charging for using a credit card. The city provides water, sewer, two garbage pickups/week, and another pickup of yard waste/recyclables.

I actually get rewarded 2% to charge my utility bill.

Broken Man 1999
by Broken Man 1999
Thu Nov 15, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: First grandchild
Replies: 21
Views: 1671

Re: First grandchild

+1 to the 529 route for grandkids. Education is the best investment. Slightly off-topic (maybe? If so, sorry OP), but question for all you grandparents who are contributing to 529s for grandchildren: Are you the owner of the account, or are you encouraging son/daughter to set up an account and then...
by Broken Man 1999
Thu Nov 15, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: First grandchild
Replies: 21
Views: 1671

Re: First grandchild

My first grandchild is due in March. I'd like to put some $$ in a Vanguard account for his college as a gift, and encourage the other grandparents to do it too. I am really inexperienced with this. Could you give me some suggestions on (1) what type of account to set up, and (2) any recommended fun...
by Broken Man 1999
Thu Nov 15, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5137

Re: Oops! Edward Jones tops Vanguard in customer survey

The article states Vanguards rating "matches the overall rating for its sector, and that of Fidelity Investments". I wonder about the score for Schwab and others, and about the scope and methods of the survey. Does anyone have link to the American Consumer Satisfaction Report which the article refe...
by Broken Man 1999
Thu Nov 15, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Income Tax Simulation
Replies: 11
Views: 2363

Re: 2018 Income Tax Simulation

I like this one: https://www.mortgagecalculator.org/calcs/1040-calculator.php This is an excellent calculator. Thanks kaneohe! Yes, thank you! Today I ran the above calculator, worked flawlessly so far as I can tell. I also ran the 2018 H&R Block Tax caster, and even though our SS benefits were imp...
by Broken Man 1999
Wed Nov 14, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 25
Views: 2514

Re: Annuities

Remember that annuity pricing varies with interest rates. You can roll to IRA and decide to purchase an annuity at a later date. Might you be as well off to use a laddered CD strategy? You may want to do some scheduling to see if/when it makes sense to do Roth conversions. In some cases, Roth conve...
by Broken Man 1999
Wed Nov 14, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5137

Re: Oops! Edward Jones tops Vanguard in customer survey

The article states Vanguards rating "matches the overall rating for its sector, and that of Fidelity Investments". I wonder about the score for Schwab and others, and about the scope and methods of the survey. Does anyone have link to the American Consumer Satisfaction Report which the article refe...
by Broken Man 1999
Wed Nov 14, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5137

Re: Oops! Edward Jones tops Vanguard in customer survey

From OP's link: "The Malvern-based company's score dropped to 79 out of 100, down three points from last year and knocking it out of first place. The new leader is Edward Jones & Co., which scored an 80." Dropped some and now one point below top score of Edward Jones "The fund giant's score of 79 ma...
by Broken Man 1999
Wed Nov 14, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3823
Views: 1079367

Re: What Movie Have You Recently Watched?

The Good, the Bad, and the Ugly . Another spaghetti western starring Clint Eastwood. Co-stars Lee Van Cleef, and Eli Wallach. Of course I'll soon be watching A Fistful of Dollars and For a Few Dollars More . The English dubbing is horrible. Kinda like watching early Japanese films, where the speake...
by Broken Man 1999
Tue Nov 13, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 109
Views: 9114

Re: Granddaughter needs $ help for university

Based on your description of granddaughter, I would be in if I could afford the cost. But, I would also be cautious about how you do it as you don't want to alienate your other granddaughter, it is possible she might need help also. I will tell you this: I am doing what I can for my grandchildren, g...
by Broken Man 1999
Tue Nov 13, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds vs TIPS
Replies: 3
Views: 624

Re: I-bonds vs TIPS

I like I Bonds. Though, honestly I have zero first hand knowledge of TIPS. I Bonds are a simple product that offers tax-deferral and inflation protection for 30 years. I like that. I Bonds also do not decline during deflationary times, you don't give up what you already have. I like that also. One n...
by Broken Man 1999
Mon Nov 12, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal options in retirement
Replies: 4
Views: 669

Re: Withdrawal options in retirement

If DW has been approved for Social Security Disability benefits at age 63 she would have no reduction in her benefit and her benefit would be the same as if she retired at FRA. (Assuming she did not file for any reduced retirement benefits for the months before she is first entitled to social secur...
by Broken Man 1999
Mon Nov 12, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Is there CD funds in VG to be used for IRA's?
Replies: 22
Views: 2018

Re: Is there CD funds in VG to be used for IRA's?

Thanks for the answers, so just to be sure, if I select a bond or CD and buy it under my Traditional IRA, if it says 3.5% with 5 years, if I don't sell/exchange it before maturity, it guarantees 3.5%, as long as that company doesn't bankrupt, right? I see some municipal bonds and BBB rated bonds th...
by Broken Man 1999
Mon Nov 12, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6140

Re: Do I need more than Original Medicare?

I am grateful MegaCorp is still providing excellent health insurance for retirees. Be careful and cautious when reaching Medicare eligibility. Most private companies are dropping any such retiree coverage for those eligible for Medicare. Indeed, that has happened at a number of employers around her...
by Broken Man 1999
Mon Nov 12, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6140

Re: Do I need more than Original Medicare?

I am confused Kevin. If all payments are the same, why did they bother with any network? Good question. I have no idea, and found that pretty surprising myself. I guess their network is relevant to their HMO plans, and although the same network is used for this PPO plan, for whatever reason there s...
by Broken Man 1999
Mon Nov 12, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6602

Re: Best deals to buy iphones

Also I also just saw that the iphone XR can't be bought unlocked? So how am I supposed to do if I buy it with one of the carrier on the apple store and then want to switch carrier? For example, if I'm currently using my android phone with T-mobile. Now I want to buy a new iphone XR and benefit from...
by Broken Man 1999
Sun Nov 11, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Kids Inheritance - Lump Sum or SWR?
Replies: 13
Views: 1240

Re: Kids Inheritance - Lump Sum or SWR?

Children's inheritances given in trusts, which hopefully will stay in trust, to protect. Their trusts will not have any age requirements for withdrawals as they are around 40ish at the present. If they haven't learned to manage their finances by now, they will never learn. They can deplete their tru...
by Broken Man 1999
Sat Nov 10, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3742

Re: State retirement pensions thoughts?

State pensions for the most part I think will be fine. Some states are moving away from the defined benefit to defined contribution. State 401k plans also will help control outlays. That is not to say some state finances aren't train wrecks. My father worked for a quasi-state government entity, and ...
by Broken Man 1999
Fri Nov 09, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4823

Re: Doing taxes by hand

I will probably do our 2018 taxes manually, as well. We won't have an itemized deductions total to be worthwhile, so taxes should be very simple for us. I have been using tax software last few years, but for our needs for our 2018 return it seems it would be a waste of money to purchase the current ...
by Broken Man 1999
Fri Nov 09, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14597

Re: How much money are you leaving your kids after you die?

Our daughter doesn't know our net worth. She asks, but I tell her that my father didn't share that with me until I was well into my 40s/50s, and I'm inclined to do the same with her. Unsure about this ... Not to single out this poster, but does anyone else feel this rubs them the same way as it doe...
by Broken Man 1999
Fri Nov 09, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6602

Re: Best deals to buy iphones

Keep an eye on Costco and Best Buy. Wife bought her phone (Samsung Galaxy S8) at Costco and received a $300 gift card. Wife bought my phone (Samsung Galaxy S9) at Best Buy for $480. Her phone and my phone were both the newest models when purchased. Our previous phones (Samsung Galaxy S5) were purch...
by Broken Man 1999
Fri Nov 09, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6602

Re: Best deals to buy iphones

Keep an eye on Costco and Best Buy. Wife bought her phone (Samsung Galaxy S8) at Costco and received a $300 gift card. Wife bought my phone (Samsung Galaxy S9) at Best Buy for $480. Her phone and my phone were both the newest models when purchased. Our previous phones (Samsung Galaxy S5) were purcha...
by Broken Man 1999
Thu Nov 08, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 37
Views: 4567

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

I have had VoIP service for many years. I started with Magic Jack when you had to have your PC on. Now however, you do not. I moved from Magic Jack to Vonage. Had them awhile, better quality than Magic Jack at the time, but Vonage continuously raised their rates. I got tired of negotiating price red...
by Broken Man 1999
Thu Nov 08, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3575

Re: Paper or Paperless? How and what financial records do you keep?

I keep hard-copy of the actual returns only, no supporting info, older than 7 years. This is about 4 inches of file folders going back to my first summer job in 1954. I also made a concerted effort to clean out files and souvenirs, etc., so as not to burden the kids. Years ago I identified a box or...
by Broken Man 1999
Tue Nov 06, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1685

Re: Need ideas for unusual gifts for preteen boy

A slide rule. Just a personal note - I have the slide rule my Father-in-law used at West Point. 2nd in his class academically and fourth by overall merit 1954. It is the one item of his that I wanted. Cheers I still have my Dietzgen slide rule from tech school in 1971. Some youngsters might enjoy a...
by Broken Man 1999
Tue Nov 06, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 87yo widowed Mom.
Replies: 13
Views: 1003

Re: Portfolio for 87yo widowed Mom.

Unless the checking account pays decent interest, I would move the $67,500 to Vanguard Federal Money Market fund. Since she is receiving more than she spends each month, and given her assets, she honestly doesn't need an emergency fund via a checking account, and could probably generate a bit more i...
by Broken Man 1999
Tue Nov 06, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Frustrating issue with VG website. Need advice.
Replies: 12
Views: 1736

Re: Frustrating issue with VG website. Need advice.

Sounds like an annoying problem. 1. Can you rollover the (empty) accounts? Maybe that would close them. 2. Isn’t there an option to “hide” accounts on VG? Maybe try that and forget about the accounts. OP should be able to exclude displaying the accounts by accounts , or even using the zero balance ...
by Broken Man 1999
Tue Nov 06, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14597

Re: How much money are you leaving your kids after you die?

I'm curious, especially for those with assets (or planned assets) over $1million. Do you plan to leave your kids nothing, some or everything? Well, plans sometimes go awry. :?: FIRST ACTIVITY (Assume DW and I are both dead): 1. Some gifts to favorite charities/people not family members THEN, REMAIN...
by Broken Man 1999
Mon Nov 05, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1159

Re: Household statements

I just checked and was able to download our October 31, 2018 Household statement. All seems OK for us.

Broken Man 1999
by Broken Man 1999
Mon Nov 05, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Should I proactively replace our Indirect Hot Water Heater?
Replies: 15
Views: 928

Re: Should I proactively replace our Indirect Hot Water Heater?

We replaced our 15 year old water heater this summer. The tank seemed sound, but the electronics were bad. We would have had to order parts, but with 6 people wanting showers/baths, it was an easy decision to replace. 15 years was good enough for me. Plumber was already there, I asked him to throw i...
by Broken Man 1999
Mon Nov 05, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18310

Re: Vanguard website "unavailable during weekend of Nov 3"

I have the problem that my landline went down and ATT won't be out until later this week (about 5 days) -I always thought it would be more secure to get the code over the phone, but now if they call, they just get a busy signal.... 5 days???? I would fire ATT. Too many options these days for a phon...
by Broken Man 1999
Mon Nov 05, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: Question on the 4% withdrawal rule
Replies: 66
Views: 4361

Re: Question on the 4% withdrawal rule

At the OP: A major problem with the 4% rule is if the worst markets do not occur, the retiree will die with far more unspent than he/she started with for retirement. At heyyou and OP: This is an incredibly false and misleading statement for the very simple reason that we DO NOT KNOW what "the worst...
by Broken Man 1999
Mon Nov 05, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Mid-career change dilemma - STEM
Replies: 8
Views: 937

Re: Mid-career change dilemma - STEM/Engineering

OP, Some random answers to your random questions. 1) People hire people. If you had worked 15+ years, you know a lot of people. You could find out the hiring manager of each position and contact the person directly. Why do you need to go through HR? Lack of a STEM degree is only an issue if you dea...
by Broken Man 1999
Mon Nov 05, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4112

Re: Mice [updated- not a mouse]

Is your chimney cap firmly in place? Well, I have two chimneys - one has a cap, one doesn't. Guess I'd better get the second one installed. :oops: Good move! We have had to have squirrels removed from fireplace twice. The last time we had hardware cloth put over the top of the chimney. Had to sign ...
by Broken Man 1999
Mon Nov 05, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Where to build a 'payoff the mortgage' fund?
Replies: 13
Views: 1955

Re: Where to build a 'payoff the mortgage' fund?

rasta wrote:
Sun Nov 04, 2018 3:38 pm
why are you making this so difficult.

apply any extra funds to pay off principal.
Seems the simplest and perhaps best financial effort.

Broken Man 1999
by Broken Man 1999
Sun Nov 04, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18310

Re: Vanguard website "unavailable during weekend of Nov 3"

LadyGeek wrote:
Sun Nov 04, 2018 12:16 pm
Does your BIL have one account (one person with one account)? I have two (one person, two accounts). Perhaps it can't handle two accounts.
Just added all my BIL's accounts (taxable, Roth, TIRA ) and all 529 accounts to my displayed accounts. They all displayed just as before.

Broken Man 1999
by Broken Man 1999
Sun Nov 04, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7966

Re: Teaching kids there is an ample amount of money

I knew from an early age that my father had assets that were worth a !ot of money, in acreage planted in citrus groves. But I also knew it wasn't my money, and that I had to build my own life, which I (we) did. Daughters know our financial position, but they are in great shape on their own. So far I...
by Broken Man 1999
Sun Nov 04, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18310

Re: Vanguard website "unavailable during weekend of Nov 3"

I have some accounts that I do not want to see all the time, like 529 plans and BIL's account via authorized agent. However, after selecting them again to display I see everything I used to see, can't tell what exactly is missing for LadyGeek. I drilled down into the accounts to individual investmen...
by Broken Man 1999
Sat Nov 03, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2777

Re: Close to the Bull Trap phase of the market cycle

No, I started investing around 2016. My portfolio is still up. But, I have never seen a bear market so I am thinking carefully about my risk appetite (instead of converting to cash) and how I would react if portfolio went down 20-30%. Now is the time to do some thinking. This small drawback is noth...
by Broken Man 1999
Sat Nov 03, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3823
Views: 1079367

Re: What Movie Have You Recently Watched?

When looking for a movie to watch the other night on Amazon Prime I saw one I had watched years ago. Who could forget that great movie classic Motel Hell ? It is kinda like watching a slow train wreck. You just can't help but to watch. The movie is so bad, awful, terrible, but you just can't turn i...
by Broken Man 1999
Sat Nov 03, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3823
Views: 1079367

Re: What Movie Have You Recently Watched?

When looking for a movie to watch the other night on Amazon Prime I saw one I had watched years ago. Who could forget that great movie classic Motel Hell ? It is kinda like watching a slow train wreck. You just can't help but to watch. The movie is so bad, awful, terrible, but you just can't turn it...
by Broken Man 1999
Sat Nov 03, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2777

Re: Close to the Bull Trap phase of the market cycle

DEFINITION of 'Bull Trap'. A bull trap is a false signal indicating that a declining trend in a stock or index has reversed and is heading upwards when, in fact, the security will continue to decline. Bull Trap - investopedia.com www.investopedia.com/terms/b/bulltrap.asp. New term for me also. Brok...
by Broken Man 1999
Sat Nov 03, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 5970

Re: WSJ: Sometimes, It’s Bonds For the Long Run

Well, with a 50% Equities and a 50% Bond portfolio, I figure I'm covered no matter what. :D You know, for a forum that stresses "past is not a predictor of the future", it does seem that many folks are not convinced.... just saying! :D If the idea was fully supported, I suppose there wouldn't be muc...
by Broken Man 1999
Sat Nov 03, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18310

Re: Vanguard website "unavailable during weekend of Nov 3"

I just logged in. Balances of Vanguard accounts displayed. But I already knew what they were. Still nice to see everything was still there.

Broken Man 1999
by Broken Man 1999
Fri Nov 02, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: New Medicare Card
Replies: 3
Views: 547

Re: New Medicare Card

DW and I received our new Medicare cards and they are in our file with our SS cards. Haven't ever shown my SS card to anyone, it is still attached to the entire card I received when I was a child. Since we have a Medicare Advantage plan, the cards will probably never be needed. BUT, like our SS card...
by Broken Man 1999
Fri Nov 02, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Apple's share plummeting: should we 'kick out the largest stock' as Rob Arnott suggests?
Replies: 40
Views: 2058

Re: Apple's share plummeting: should we 'kick out the largest stock' as Rob Arnott suggests?

Well, even with the increased costs for shares via dividend reinvestment, I'm still under $97/share for cost basis. I sold half my shares when AAPL doubled for me at $190/share. Kept the other half just for grins. I think there are too many Apple fans are out there to worry about AAPL at this moment...