Search found 2516 matches

by Broken Man 1999
Tue Jun 25, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Parent's Home Below Market
Replies: 28
Views: 2522

Re: Buying Parent's Home Below Market

Thank you for the replies. This was my mother’s idea and not something anyone tried to talk her into (she is intelligent and still competent). My siblings prefer I stay in the house and maintain it so we can have as an inheritance in the future. Right now she lives independently in a retirement com...
by Broken Man 1999
Mon Jun 24, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: Effect of trading fees imposed on all stocks and bonds
Replies: 9
Views: 601

Re: Effect of trading fees imposed on all stocks and bonds

Easiest way to avoid such levies is to minimize trades.

Nice thing about Vanguard is such activity is in their DNA.

Broken Man 1999
by Broken Man 1999
Mon Jun 24, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1297
Views: 131604

Re: [What TV Show Have You Recently Watched?]

Years ago I had the need for IVs twice a day, and a nurse would come by twice a day. While I was receiving my IVs, the nurse and I would watch Investigation Discovery channel. The basic premise was someone was murdered, and the show would go from the beginning of the murder, and end with the murdere...
by Broken Man 1999
Mon Jun 24, 2019 4:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer private equity investments? Thoughts?
Replies: 66
Views: 5459

Re: Vanguard to offer private equity investments? Thoughts?

I'm am starting to question Vanguard's business plan. I learned on this forum that the ownership structure of Vanguard is better and the Johnson family et al might trick us out of our money. Try calling in like you own the place. :happy But wouldn't it be wonderful if Vanguard actually communicated...
by Broken Man 1999
Mon Jun 24, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 104
Views: 7772

Re: Frugal or cheap?

There are benefits of having a home large enough so that one can have personal space. Absolutely a luxury, but WE are OK with it. We have a large home relative to our needs, 2800sqft for two of us. But we are happy with the neighborhood, our property taxes are capped similar to California's Prop 13....
by Broken Man 1999
Mon Jun 24, 2019 3:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 42
Views: 2970

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

From my letter from Vanguard: ".....annuity administration is not central to Vanguard 's long-term product and services plans. We're deepening our focus on our core priorities: delivering industry- leading funds and ETFs, enhancing the client experience, and expanding our advice capabilities......" ...
by Broken Man 1999
Mon Jun 24, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 25
Views: 1944

Re: Dollar General

Five Below is another discount firm expanding in the west coast of Florida. Around these parts Target, Walmart, and Costco are offering rapid shipping, and often times beats Amazon's prices. I'm probably at 75% Amazon online, 25% other online sites, such as listed above. The "other online sites" po...
by Broken Man 1999
Mon Jun 24, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 45
Views: 3953

Re: Discounted Postage Stamps

There are weight limits in place for mailing packages from your home using stamps. The weight limit is 13 ounces. I found that out when I was shipping a book. The proper postage was paid, but the post office wants tracking info on packages over 13 ounces. Fortunately for me my postwoman took my pack...
by Broken Man 1999
Mon Jun 24, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 104
Views: 7772

Re: Frugal or cheap?

OP, your added info lowers the concern about overbuilding the neighborhood. Have you engaged an architect? I have seen more than one addition that is ugly, has poor inside traffic paths, and no longer matches the neighborhood. At $100,000, your addition isn't going to be a DIY effort. Plan well so y...
by Broken Man 1999
Mon Jun 24, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 45
Views: 2924

Re: citi discontinuing citi price rewind

The info below concerns the Citi Costco card only! The info was on my Citi Costco card site! What Changes: Effective September 22, 2019, Trip Cancellation & Interruption Protection and Citi® Price Rewind will be discontinued and will no longer be provided for purchases made on or after that date. Co...
by Broken Man 1999
Sun Jun 23, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 45
Views: 3953

Re: Discounted Postage Stamps

Periodically one can buy "forever" stamps at a discount at Amazon. In January of this year I bought 40 "forever" stamps in a "lightning" deal on Amazon for $17.00 total. I put them in a safe place. Earlier this month I needed a couple of stamps, but I was unable to find my 40 stamps I had put away i...
by Broken Man 1999
Sun Jun 23, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: Preferred Stocks?
Replies: 5
Views: 599

Re: Preferred Stocks?

Here is a link to a previous discussion of preferred stocks:

viewtopic.php?t=238048

Enjoy!

Broken Man 1999
by Broken Man 1999
Sun Jun 23, 2019 1:33 pm
Forum: Personal Investments
Topic: Heavy concentration in Electric Utilities
Replies: 20
Views: 1606

Re: Heavy concentration in Electric Utilities

Electric utilities were one of the most reliable income streams for my father, and they served him very well. Over the years the dividends grew steadily, as did the stock price. Of course the stock prices were also reflective of interest rates. However, when my father passed, his favorite son sold t...
by Broken Man 1999
Sun Jun 23, 2019 1:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer private equity investments? Thoughts?
Replies: 66
Views: 5459

Re: Vanguard to offer private equity investments? Thoughts?

Might be a hit for Vanguard.

I certainly won't be a candidate for their offering. But, I hope they do well with their efforts. We might get some benefits out of the venture, indirectly.

Broken Man 1999
by Broken Man 1999
Sun Jun 23, 2019 11:28 am
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

You have been fooled by the zero fee marketing machine. What if the performance was 0.05% lower than a fund that you pay 0.05% expense ratio for? What if the performance is the same, but you pay 0.15% more in taxes every year on the zero-fee funds? This is not true. Since the zero funds aren't even...
by Broken Man 1999
Sun Jun 23, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 42
Views: 2970

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

Or, it is very possible DW and I will be 67 years old before our annuity would be transferred. We might wish to annuitize. I have a relative that I advised to transfer an annuity to Vanguard maybe 15-20 years ago. I did not (and don't) know much about annuities, other than they were something to ge...
by Broken Man 1999
Sun Jun 23, 2019 9:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 42
Views: 2970

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

Or, it is very possible DW and I will be 67 years old before our annuity would be transferred. We might wish to annuitize. I have a relative that I advised to transfer an annuity to Vanguard maybe 15-20 years ago. I did not (and don't) know much about annuities, other than they were something to ge...
by Broken Man 1999
Sat Jun 22, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 104
Views: 7772

Re: Frugal or cheap?

You have the ability to do a $100,000 addition, but I would not go down that path.

One reason is you might be overbuilding your neighborhood.

Me, I would find something already built that checks all the boxes for what you and your wife consider important in your housing needs.

Broken Man 1999
by Broken Man 1999
Fri Jun 21, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Highest % cash back credit card
Replies: 77
Views: 5269

Re: Highest % cash back credit card

This is being offered by AE when I sign in: AE Blue Cash Preferred 6% Cash Back at U.S. supermarkets* NEW 6% Cash Back on select U.S. streaming subscriptions 3% Cash Back at U.S. gas stations and on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more) 1% Cash Back on other purchas...
by Broken Man 1999
Thu Jun 20, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond dilemma
Replies: 9
Views: 1311

Re: Savings Bond dilemma

A Series EE Savings Bond expiring at 30 years will immediately generate a taxable event on the earned interest, regardless of whether you redeem it. Learned this the hard way. I thought I could wait to redeem it with no interest until I'm in a lower bracket. So, in this case, the taxable event woul...
by Broken Man 1999
Thu Jun 20, 2019 2:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 42
Views: 2970

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

I spoke to the Vanguard annuity group today, they couldn't say what the ERs would be, but they will get more info at a later date. They did state they would continue using Vanguard funds for the sub-accounts. Vanguard annuities have no surrender fees, so a move would be simple, or even a cash-out, o...
by Broken Man 1999
Thu Jun 20, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 3733

Re: Short-term money needs for Executor of Estate

Thanks for the suggestions, I appreciate you all taking the time to relate your experiences. I will most likely do one of the following: 1. Go ahead and set up a trust now. I was trustee on my father's and sister's trusts when his mental and physical health was failing. While I was trustee, before h...
by Broken Man 1999
Thu Jun 20, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: how do you manage your cash flow in retirement
Replies: 28
Views: 3353

Re: how do you manage your cash flow in retirement

Outgoing funds: 1. I auto-charge every recurring bill that can be paid with a credit card (with no fees). Minimum 2% rewards. Often times >2% rewards. 2. Recurring bills that I cannot use a credit card to pay are paid by pull from credit union, including credit card bills. 3. The one remaining bill ...
by Broken Man 1999
Tue Jun 18, 2019 6:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 967
Views: 97077

Re: U.S. stocks continue to soar!

Today was a good enough day for me. I had an order in to sell some APPL (Apple) for $200/share. Apple hit just above $200 today before sinking a bit. Next month's expenses are settling on Friday. Another bit of individual stock holding out of the portfolio. Maybe tomorrow will give me another opport...
by Broken Man 1999
Tue Jun 18, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 51
Views: 8328

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

Florida for me. I renew with a reward credit card, so I save $2.95 if I renew for two years, as the fee is $2.95 for one year or two year renewals. As well, the $.75 mailing fee for sticker is the same mail fee for one or two year renewals. Total extras (credit card fee plus mail fee) = $3.70. I wil...
by Broken Man 1999
Mon Jun 17, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: The Economist Magazine $47.99 one year-digital or hard copy
Replies: 4
Views: 596

Re: The Economist Magazine $47.99 one year-digital or hard copy

First copy of The Economist arrived Saturday, I'm a very happy camper. I have been reading Bloomberg Businessweek for a few years, paying $2/year. Price is right, but certainly not as good as The Economist by a long shot, a poor substitute. OP, thanks for the tip! Lots of reading material now. I act...
by Broken Man 1999
Mon Jun 17, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having heat pump checked every year?
Replies: 7
Views: 1088

Re: Is it a waste of money having heat pump checked every year?

We have the semi-annual visits to keep the units in tip-top shape. Last service call the tech noted that is was about time for the summer visit so he just changed our repair call to an inspection visit. Turned out the issue was the drain for heat pump upstairs with air-handler in attic had a partial...
by Broken Man 1999
Mon Jun 17, 2019 10:37 am
Forum: Personal Investments
Topic: Charles Schwab Money Market Retirement Account interest payment
Replies: 8
Views: 810

Re: Charles Schwab Money Market Retirement Account interest payment

I have to believe you aren't the only person concerned with this issue. Could you perhaps speak to your religious leader to determine where/how other members of your religion invest/handle this issue? I hope you can find an answer to your issue. Life has certainly increased in complexity over the ye...
by Broken Man 1999
Sun Jun 16, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Keep car and pay for maintence or get new car
Replies: 22
Views: 1083

Re: Keep car and pay for maintence or get new car

Oh - a good local mechanic said the belts and all Associates work (water pump etc) would be about $1200 and the dealer wants north of $1500 - cheaper than anew car but it’s still a lot I would keep the vehicle assuming it still works for the family. 67,500 miles is not high mileage for even cheaper...
by Broken Man 1999
Sun Jun 16, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Health insurance cost containment company
Replies: 23
Views: 1811

Re: Health insurance cost containment company

You need to fill out the form. It's a normal subrogation form. The insurance company wants to go after someone else to refund them the money that they paid. They only want to pay if you caused the injury yourself. My wife once dropped a bottle of sparking wine on the driveway, it broke, exploded an...
by Broken Man 1999
Sat Jun 15, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4100

Re: how is Home Depot's contractor service (for a water heater)?

When our heater went out, I thought about a tank-less system, but running new circuit to water heater would have been a real pain. Plumber was already there, calling an electrician would have added more costs.

No natural gas available in our 'hood.

Broken Man 1999
by Broken Man 1999
Sat Jun 15, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: E150 door handle fix
Replies: 2
Views: 264

Re: E150 door handle fix

One problem is that it is difficult to reach my inside door handle because it is one of the side doors that is mostly blocked by the wheelchair ramp when the ramp is folded. I'm pretty sure it is just a rod/cable as well. Tomorrow I will ask DW to contort her arm, open the door from the inside handl...
by Broken Man 1999
Sat Jun 15, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4100

Re: how is Home Depot's contractor service (for a water heater)?

Last summer we used a plumber to replace our water heater. It was cheaper than Home Depot.

We had used the plumber before. Large company, by we seem to get the same guy, who we are very satisfied with his work.

Broken Man 1999
by Broken Man 1999
Sat Jun 15, 2019 3:34 pm
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3220

Re: Starbucks; buy, sell, hold?

I made some money on Starbucks when I bought for single digits during the great recession. The shares split once, and I sold all in the $50+ range. I'm not sure I would buy Starbucks at the current price, in fact if I had any that I had held for a long period of time I would be selling. I always hav...
by Broken Man 1999
Sat Jun 15, 2019 3:21 pm
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 8666

Re: The Case Against ETFs

Rather, the OP seemed to be suggesting that the mere existence of such an ETF represents a danger to ALL investors without offering ANY offsetting benefits. Such a strident argument goes beyond the limits, IMHO, of both logic and evidence. It also doesn’t help that OP’s debate style seems to be: 1....
by Broken Man 1999
Sat Jun 15, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4124

Re: My Bad Experience With Angie's List

I have had mostly poor experiences using the various handy person sites as well.

When my neighbors or I find a good person, we share them and don't try to nickel and dime them to death.

I would rather pay more than to take a chance with a random person on the net.

Broken Man 1999
by Broken Man 1999
Sat Jun 15, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: E150 door handle fix
Replies: 2
Views: 264

E150 door handle fix

My E150 van has an outside door handle that does not open the door. The inside door handle does work, as well the auto-door lock mechanism moves the physical door lock tab up and down. This seems as though a cable or some type connection to the door opening hardware to the outside door handle is bro...
by Broken Man 1999
Sat Jun 15, 2019 8:50 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 2783

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by Broken Man 1999
Sat Jun 15, 2019 8:35 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 2783

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by Broken Man 1999
Fri Jun 14, 2019 4:48 pm
Forum: Personal Investments
Topic: From Simplicity to Complexity
Replies: 10
Views: 870

Re: From Simplicity to Complexity

Don't log into your brokerage account during weekdays when the market is open. This may reduce some of the temptation for you. If your activities are causing such issues you might want to sign up with a Vanguard advisor. It is cheap enough, probably cheaper than you fiddling around with your portfo...
by Broken Man 1999
Fri Jun 14, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I call it quits?
Replies: 23
Views: 4805

Re: Should I call it quits?

I would do it.

I realized how much I missed when my children were young when DW and I started watching our grandchildren until they started preschool. I can't get those times back.

Grandkids were a hoot. And, we're are closer for it.

Broken Man 1999
by Broken Man 1999
Fri Jun 14, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 623
Views: 53097

Re: vanguard cancelled my Vanguard Advantage Accounts

OP, you need to sign on more often. You will have a better idea what is going on at Vaguard. Anything Vanguard does will be discussed to death. :D

Broken Man 1999

ETA: Be aware of the approaching date of July 1 or July 31, can't remember exactly when they want to shut down the service.
by Broken Man 1999
Fri Jun 14, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3440

Re: Do you repair your own appliances?

I do sometimes Google or YouTube how to repair appliances. The search tells me whether I should get a repairman or buy a new appliance. This! Time has always more valuable to me than saving a few bucks. I did things when we were much poorer, not after I was not so poor. My repairman didn't do my ca...
by Broken Man 1999
Fri Jun 14, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 8666

Re: The Case Against ETFs

If one sticks to broad based index ETFs the bid/ask spread is not going to cause issues. In fact you might get the ETF at a discount to where the equivalent mutual fund NAV ends up at end of day. Vanguard has a nice chart showing the bid/ask spread for their various ETFs. Another reason Mr Bogle had...
by Broken Man 1999
Fri Jun 14, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 3947

Re: Best source for buying Gold Coins

One thing that has not been mentioned is that when you give them the coins you should also give them a copy of the receipt so that they will have the cost basis to calculate any capital gains when they sell it. Would the coins be stepped up if they were inherited after owner's death? If so, just gi...
by Broken Man 1999
Fri Jun 14, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 3733

Re: Short-term money needs for Executor of Estate

"I have decided that the kindest thing you can do for estate planning is having dealt with the house ahead of time." Some states have TOD deeds that work just like a TOD bank account (the mechanics of that were that after the last parent died, we (the kids named as TOD beneficiaries) sold the house...
by Broken Man 1999
Fri Jun 14, 2019 10:14 am
Forum: Personal Investments
Topic: Do Preferred securities let you sleep well at night?
Replies: 26
Views: 2758

Re: Do Preferred securities let you sleep well at night?

I have one preferred stock, currently worth $19,958.40.

Since that is a small part of my portfolio, I sleep very well at night. If I held $199,584.00 of the stock, I wouldn't sleep well at night.

Broken Man 1999
by Broken Man 1999
Thu Jun 13, 2019 5:50 pm
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 8666

Re: The Case Against ETFs

OP, why do you care what others do?

Obviously if one cannot resist temptations, there are many things they should probably avoid.

Broken Man 1999
by Broken Man 1999
Thu Jun 13, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 3947

Re: Best source for buying Gold Coins

Here's my two-cent piece: American Eagles are boring. If you really want to give a gold coin, consider something with more historical or collector interest. Saint-Guadens $20? Look at Ampex "pre-1933 U.S. Gold" gold coins for some easy to purchase examples from our nation's history. You will pay mo...
by Broken Man 1999
Thu Jun 13, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: The Case Against ETFs
Replies: 193
Views: 8666

Re: The Case Against ETFs

. Schooner, An additional consideration that argues against ETFs: Since ETFs require use of various time brokerage orders for buying and selling, eventually your older self and your survivors (particularly an older spouse) might have problems dealing with the mechanics of ETFs verses ordinary index...