Search found 1703 matches

by Broken Man 1999
Wed Jan 23, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles
Replies: 15
Views: 1764

Re: NYT: TrueCar’s No-Haggle Promise Meets a Chorus of Grumbles

I am thankful I only have to shop for a vehicle one time at the most every 10+ years. Hopefully my next time will be my last time. One benefit of keeping vehicles for longer time is not having to get into a wrestling match with the dealerships as frequently. My last vehicle purchase was made online,...
by Broken Man 1999
Wed Jan 23, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: Your Retirement W/D method and why?
Replies: 37
Views: 2941

Re: Your Retirement W/D method and why?

First, any withdrawal we make is taxable, as all our retirement portfolio is in IRAs. By the 20th of each month I know what the next month's expenses will be, for the most part. A couple of days before end of month I request a distribution from my TIRA and the money is in my CU account the next morn...
by Broken Man 1999
Tue Jan 22, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 116
Views: 5849

Re: What is a Boglehead funeral/burial?

My desire is immediate cremation. Then, when family wants to have a celebration of life, I want to treat my family, friends, neighbors to a nice get together. Flowing adult beverages for those who imbibe, with a spread of Cuban food that has become the family favorites over the years. I need to cons...
by Broken Man 1999
Tue Jan 22, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Annoying Problem with Vanguard Checkwriting
Replies: 14
Views: 814

Re: Annoying Problem with Vanguard Checkwriting

I just ordered checks to use with the Vanguard Federal Money Market Fund in my Traditional IRA. In adddition to my name and address, all the necessary account numbers, and the name of the fund, each check prominently has written on it "RETIREMENT. Traditional IRA." I don't see any reason that it is...
by Broken Man 1999
Tue Jan 22, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 30
Views: 1763

Re: Have you searched for your unclaimed property?

I have checked our state site several times over the years, until today I never found anything. Today I see an unclaimed amount of $48.88 from UPROMISE. Not bad for 10 minutes work. :sharebeer Broken Man 1999 ...................................................... Broken Man 1999. but you're only do...
by Broken Man 1999
Tue Jan 22, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 116
Views: 5849

Re: What is a Boglehead funeral/burial?

Word of caution for those planning to leave their bodies for medical research, training, etc., just because you have offered up your body DOES NOT mean your body will be accepted. Personally I think it is a wonderful thing to do, but have a backup plan in case you are faced with having to make alte...
by Broken Man 1999
Tue Jan 22, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 116
Views: 5849

Re: What is a Boglehead funeral/burial?

Word of caution for those planning to leave their bodies for medical research, training, etc., just because you have offered up your body DOES NOT mean your body will be accepted. Personally I think it is a wonderful thing to do, but have a backup plan in case you are faced with having to make alte...
by Broken Man 1999
Tue Jan 22, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 116
Views: 5849

Re: What is a Boglehead funeral/burial?

Word of caution for those planning to leave their bodies for medical research, training, etc., just because you have offered up your body DOES NOT mean your body will be accepted. Personally I think it is a wonderful thing to do, but have a backup plan in case you are faced with having to make alter...
by Broken Man 1999
Mon Jan 21, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 85
Views: 4104

Re: Is it ever worth purchasing an extended warranty for a vehicle?

When I get/have something, I'm not sure I would have much comfort in being An extended warranty can only ever be worth it in hindsight and even then, it's only worth it to a small fraction of the people who bought them. This is because they sell you a policy that for the average (and not even averag...
by Broken Man 1999
Mon Jan 21, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 85
Views: 4104

Re: Is it ever worth purchasing an extended warranty for a vehicle?

I have purchased one extended warranty on a vehicle. When I bought my first van after my accident, my mental health was fragile to say the least. My wife and BIL picked out a van for the conversion process to make it into a vehicle for me. After everything was finalized, I simply didn't have the ban...
by Broken Man 1999
Mon Jan 21, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 33
Views: 1637

Re: Wills- Options other than family/charities?

I will be leaving some amounts to my current and former CNAs. They made my life better, on the whole. Broken Man 1999 Edited to add: I would like to leave a great friend some amount as well, he doesn't need it, but I want him to know how much I appreciated him hauling me to various sports outings m...
by Broken Man 1999
Mon Jan 21, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 30
Views: 1763

Re: Have you searched for your unclaimed property?

I have checked our state site several times over the years, until today I never found anything. Today I see an unclaimed amount of $48.88 from UPROMISE. Not bad for 10 minutes work. :sharebeer Broken Man 1999 Edited to add: Is there clearing house of info for "paid up" life insurance policies that a...
by Broken Man 1999
Mon Jan 21, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6342

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I've been to three Super Bowls, two were work related, though my particular activities were completed before kick-off. The other Super Bowl was when DW and I were in a service club, and sold programs before the game. We were allowed in after a few minutes into the game. Today I wouldn't pay to see ...
by Broken Man 1999
Mon Jan 21, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6342

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I've been to three Super Bowls, two were work related, though my particular activities were completed before kick-off. The other Super Bowl was when DW and I were in a service club, and sold programs before the game. We were allowed in after a few minutes into the game. Today I wouldn't pay to see a...
by Broken Man 1999
Sun Jan 20, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Survey - Total Cost of Insurance Policies
Replies: 25
Views: 1310

Re: Survey - Total Cost of Insurance Policies

Homeowners Ins: $185/month
Auto Ins: $86/month
Medical Ins: (Includes vision, drug, dental) $271/month (We just pay the $135.50 ea for Medicare B)
My life ins: $0/month, MegaCorp pays for retiree life insurance, $10,000 policy
DW life ins. $200,000 policy: $44/month

Broken Man 1999
by Broken Man 1999
Sun Jan 20, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 139
Views: 7570

Re: Grocery shopping strategy

Publix and Costco works for us. No doubt we could save a $ here and there shopping elsewhere, but we know from experience the quality of the products we buy at the two listed stores. No desire to check out unfamiliar brands. When I was a kid, 60 years ago, I remember my mother going from store to st...
by Broken Man 1999
Sun Jan 20, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 33
Views: 1637

Re: Wills- Options other than family/charities?

I will be leaving some amounts to my current and former CNAs. They made my life better, on the whole. Broken Man 1999 Edited to add: I would like to leave a great friend some amount as well, he doesn't need it, but I want him to know how much I appreciated him hauling me to various sports outings m...
by Broken Man 1999
Sun Jan 20, 2019 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Saving accounts
Replies: 46
Views: 3389

Re: Saving accounts

At my Bank of America I have multiple account. Savings, checking, house spending, vacation and xmas. Does anyone else do this? I will keep my checking and one savings at BOA. Just wondering about the other savings. Would it be better to just have one savings account and place the money in the the b...
by Broken Man 1999
Sat Jan 19, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 33
Views: 1637

Re: Wills- Options other than family/charities?

I will be leaving some amounts to my current and former CNAs. They made my life better, on the whole. Broken Man 1999 Edited to add: I would like to leave a great friend some amount as well, he doesn't need it, but I want him to know how much I appreciated him hauling me to various sports outings my...
by Broken Man 1999
Fri Jan 18, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon
Replies: 23
Views: 3680

Re: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon

Broken Man Glad enjoying. Here's a piece that appeared in my local STL paper today on the book and making the same point you made. https://www.stltoday.com/business/columns/david-nicklaus/local-author-says-retirees-need-a-life-plan-not-just/article_c0a8952f-e027-5825-b953-3c2d47533301.html?utm_medi...
by Broken Man 1999
Fri Jan 18, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon
Replies: 23
Views: 3680

Re: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon

I'm about half-way through the book, and IMHO it is the best book thus far from Larry (and Kevin Grogan). Many retirement books give great info on the financial side of retirement, the nuts & bolts of accumulating, then withdrawing from your retirement portfolio, but this book starts out on the "men...
by Broken Man 1999
Fri Jan 18, 2019 9:02 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 103
Views: 5761

Re: Any thoughts on the role of Gold in your portfolio?

Here is my issue with holding gold for catastrophic conditions: How many trips to the gathering location (where those having goods for sale meet those with gold to buy those goods) before Mr/Ms Goldholder end up in ditch dead, with no gold and no goods? Or, after trading gold for goods are simply f...
by Broken Man 1999
Fri Jan 18, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 103
Views: 5761

Re: Any thoughts on the role of Gold in your portfolio?

Here is my issue with holding gold for catastrophic conditions: How many trips to the gathering location (where those having goods for sale meet those with gold to buy those goods) before Mr/Ms Goldholder end up in ditch dead, with no gold and no goods? Or, after trading gold for goods are simply f...
by Broken Man 1999
Thu Jan 17, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 103
Views: 5761

Re: Any thoughts on the role of Gold in your portfolio?

Here is my issue with holding gold for catastrophic conditions: How many trips to the gathering location (where those having goods for sale meet those with gold to buy those goods) before Mr/Ms Goldholder end up in ditch dead, with no gold and no goods? Or, after trading gold for goods are simply fo...
by Broken Man 1999
Thu Jan 17, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Anyone with experience with Carmax?
Replies: 74
Views: 23733

Re: Anyone with experience with Carmax?

We sold MIL's car to Carmax when she became too ill to drive. Quick, and easy. I might have been able to squeeze another dollar or two out of someone by selling directly, but frankly I didn't want the hassle. Worked well for us. I typically only buy new, so most likely I will never buy a vehicle at ...
by Broken Man 1999
Thu Jan 17, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 44
Views: 5030

Re: The Worth Of A Man: A Tribute To John C. Bogle

Thank you for a wonderful tribute to Mr Bogle, Rick!

Broken Man 1999
by Broken Man 1999
Wed Jan 16, 2019 6:04 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 853
Views: 45266

Re: John Bogle is dead at 89

Condolences to his family.

A life well lived. A man of vision, courage, and perhaps even more important during these times, a man of great character.

R.I.P., Mr. Bogle.

Broken Man 1999
by Broken Man 1999
Wed Jan 16, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 853
Views: 45266

Re: John Bogle is dead at 89

Condolences to his family.

A life well lived. A man of vision, courage, and perhaps even more important during these times, a man of great character.

R.I.P., Mr. Bogle.

Broken Man 1999
by Broken Man 1999
Wed Jan 16, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping up with inflation?
Replies: 18
Views: 2382

Re: Keeping up with inflation?

Try this tool. It might give you a better view of what inflation you are realizing. The tool offers 144 different baskets that might be closer to your cost of living than the average consumer. Or, it might not. https://www.frbatlanta.org/research/inflationproject/mycpi.aspx The myCPI tool captures t...
by Broken Man 1999
Wed Jan 16, 2019 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Not getting transaction confirmation emails
Replies: 13
Views: 759

Re: Not getting transaction confirmation emails

I received the confirmation email for my DW's monthly activity of selling and sending to credit union dated January 11, 2019. That is the latest transaction we have done. I received email confirmations for all activities in December 2018 for DW's and my activities. Brokerage platform, if it matters....
by Broken Man 1999
Wed Jan 16, 2019 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16163

Re: Why are your NOT buying rental properties?

I don't want to do any work or deal with people. I prefer passive income from investments where I don't have to do anything. This! Rental units would significantly complicate our retirement portfolio. I want our portfolio to be more simple, not more complex. Now if I had enough $$$$ to be able to s...
by Broken Man 1999
Wed Jan 16, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Which Type of Annuities Did You Choose and Why
Replies: 18
Views: 1072

Re: Which Type of Annuities Did You Choose and Why

I purchased a Vanguard variable annuity for a few reasons: 1. After my accident I had lots of income from settlement and life insurance, but no earned income. With no earned income, I could only contribute to a spousal IRA; much lower contributions than a 401k plan. My wife had access to a 401k plan...
by Broken Man 1999
Tue Jan 15, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Non-English speaking elderly care options
Replies: 12
Views: 699

Re: Non-English speaking elderly care options

Are there any electronic translation devices that could help a caregiver who doesn't speak Grandma's language?

Broken Man 1999
by Broken Man 1999
Tue Jan 15, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Form 1099 for 2018
Replies: 8
Views: 881

Re: Vanguard Brokerage Form 1099 for 2018

The 1099 for brokerage won't be available until mid-February. The 1099 for mutual funds (old system) will be available now. The 1099 -R is out now, I also received an email. Yep, received an email last night, pulled up both of our forms this morning. We are on the brokerage platform. Only things I ...
by Broken Man 1999
Tue Jan 15, 2019 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Question moving from stock portfolio to VTI Total Stock Market Index
Replies: 15
Views: 951

Re: Question moving from stock portfolio to VTI Total Stock Market Index

I am seeking advice on how best to move $400K from stocks to VTI Total Stock Market Index. It is a recently inherited portfolio, so there are no capital gains issues. Ironically, the portfolio as a whole seems to have tracked very close to VTI (see link below). Is there an optimal way of doing this...
by Broken Man 1999
Mon Jan 14, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 186
Views: 43931

Re: Vanguard has switched to brokerage only accounts

I'm curious, are there specific rules that govern investment companies concerning the length of time customer statements must be kept, including whether charging for such a document? Any Bogleheads in the know? I know my credit union has years and years of monthly statements online, and for those no...
by Broken Man 1999
Mon Jan 14, 2019 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: One book for my neice, a young mom.
Replies: 20
Views: 1200

Re: One book for my neice, a young mom.

I think this is a great book for a beginner: The Coffeehouse Investor: How to Build Wealth, Ignore Wall Street, and Get On with Your Life Apr 16, 2009 by Bill Schultheis Concise, informative. I've distributed a few to my family. Didn't make a bit of difference. No fault of the book. However, since y...
by Broken Man 1999
Mon Jan 14, 2019 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio
Replies: 14
Views: 1415

Re: Retirement portfolio

I solved part of this by asking my wife to "take over" most of the bill paying task about 14 years ago. I did this so she would know how to manage stuff if something happened to me. It was tough at first but she has done OK for years. She uses Quicken to keep track of checks and all the money in he...
by Broken Man 1999
Sun Jan 13, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 160
Views: 13568

Re: Around 43K in dividends last year - feel good about it ?

Cash is King wrote:
Sun Jan 13, 2019 4:00 pm
I don't believe anyone said dividends were not paid from retained earnings.

Perhaps I missed that comment.
True. But there is a lot of nonsense in this thread, which seems to me to indicate some really don't know how dividends really work.

Broken Man 1999
by Broken Man 1999
Sun Jan 13, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2684

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

I had to have one of my TPMS sensors replaced. I recall the battery died or some other fatal failure that cost me close to $105 for parts/labor. I was not happy; however, I had to replace it to clear the error code. Of course, i could probably buy a code reader and clear the code myself. Clearing t...
by Broken Man 1999
Sun Jan 13, 2019 3:49 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 160
Views: 13568

Re: Around 43K in dividends last year - feel good about it ?

When did dividends go from being paid from retained earnings to anything else?

Just curious, as I did earn my finance degree in 1981.

Perhaps there has been an accounting change I have missed.

Broken Man 1999
by Broken Man 1999
Sun Jan 13, 2019 1:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1154

Re: Vanguard Asset Mix Chart

CABob wrote:
Sun Jan 13, 2019 1:42 pm
Well, if this is a contest to see who has the largest uncategorized category I have 57.1%. :annoyed
What category is missing?

Broken Man 1999
by Broken Man 1999
Sun Jan 13, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1154

Re: Vanguard Asset Mix Chart

Just checked our accounts. The pie-chart showed what we actually have, no missing assets, or non-characterized assets.

Might have been a momentary gremlin. FWIW we are on the brokerage platform.


Short-term reserves 1.4%

Bonds 51.1%

Stocks 47.5%

Other 0.0%

Broken Man 1999
by Broken Man 1999
Sun Jan 13, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 103
Views: 5761

Re: Any thoughts on the role of Gold in your portfolio?

I have zero interest in having gold in our portfolio. I think over very long periods of time, gold might be OK. Honestly, I don't think a single lifespan would necessarily work out so well. Over a few generations gold might work fine. I do collect coins, so I have 6, one-ounce proof gold coins. I'll...
by Broken Man 1999
Sun Jan 13, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1889

Re: ROI calc on grocery expenses

There is a good reason that many restaurants have mac&cheese on the menu. And, all of it isn't consumed by kids. Horrible confession: I prefer the mac&cheese that has the dry "cheese" (or whatever the heck it really is) in a packet, with the straight pasta. Takes me back to my childhood when we were...
by Broken Man 1999
Sun Jan 13, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1889

Re: ROI calc on grocery expenses

Wait.. Is this stuff the "emergency food" that is sold at Costco?

Broken Man 1999
by Broken Man 1999
Sat Jan 12, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8915

Re: Shingrix [Vaccine availability]

Does one have to be at least 65 to get the insurance to pay for this vaccine? Actually, commercial insurance products usually pay 50-65 w/o problems, but Medicare and it's flavors won't cover at all. But my Part D underwriter lists Shingrix in their Tier 3 formulary Wow. Awesome. We haven't seen th...
by Broken Man 1999
Sat Jan 12, 2019 10:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard explains the increase in ex-us allocation
Replies: 34
Views: 4601

Re: Vanguard explains the increase in ex-us allocation

I can confirm Tim said this (I watched the interview as well). He was referencing how over time the international portion of funds (like target date, lifestrategy, etc) has moved from 20% to 30% and now 40%. This has coincided with the lowering of costs to invest internationally. I would think some...
by Broken Man 1999
Fri Jan 11, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6104

Re: Building Wealth Through Home Equity--Myth or Reality?

To me, a home is a living expense. I want to minimize my living expenses. I don't like leverage. You can't go bankrupt if you don't owe any money. I did choose to buy rather than rent, but I do not count my home as part of my investments. The return is irrelevant. I bought so my housing expense is ...
by Broken Man 1999
Thu Jan 10, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6104

Re: Building Wealth Through Home Equity--Myth or Reality?

No idea if our home has built wealth or not. We are in the midst of a remodel that will cost about a third of what our home's purchase price was 30 years ago, about $50,000 vs original purchase price of $151,000 in 1989. We put a down payment of $80,000, proceeds of sale of agriculture land in citru...