Search found 1429 matches

by Broken Man 1999
Thu Oct 18, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: So...what’s Plan B [for your retirement security]?
Replies: 11
Views: 1119

Re: So...what’s Plan B?

The following post by pivoprussia, from another thread, stuck with me: These are my favorite threads. We all want to know IF we should be ok in our decisions. I have seen lots of comments about "flexibility" and the notion people will not blindly just follow the 4% rule from the Trinity Study. I ha...
by Broken Man 1999
Thu Oct 18, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 79
Views: 3421

Re: When to change tires; and what brand

A couple of tire changes ago Costco didn't have the Michelin tires I wanted in stock. So I went to a tire store that is part of a small local chain. They recommended BFGoodrich, but I told them I preferred Michelin. They replied that BFGoodrich is now owned by Michelin, North America. I checked, and...
by Broken Man 1999
Wed Oct 17, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: A question regarding pension buy-outs
Replies: 2
Views: 252

Re: A question regarding pension buy-outs

When I retired from MegaCorp, I chose the lump sum option, and threw it all into my Vanguard TIRA. Putting the lump sum into a TIRA creates no tax liability. Of course it will be taxed when $$$ are removed. I would believe putting a lump sum pension into an TIRA would be possible for most any pensio...
by Broken Man 1999
Tue Oct 16, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 40
Views: 3417

Re: Corporate politics/culture

OP,<br abp="686"><br abp="687">Why does any of this matters to you? What is your goal?<br abp="688"><br abp="689">In order to play any political game, you need to have the clarity of purpose first. What are you trying to achieve?<br abp="690"><br abp="691">KlangFool Yeah, I have to agree. OP,where ...
by Broken Man 1999
Tue Oct 16, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3885

Re: How Much Is Your Sewer Bill?

Sewer charge for us is $58.81. Total bill $107.17. Our utility bill spiked to about $150/month for the six month period ending around Labor Day, as we had DD and family living with us while their home was being built. Went from two people to six people. Our highest water consumption was in June, 908...
by Broken Man 1999
Mon Oct 15, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 24
Views: 1358

Re: HDMI Splitter or Switch?

What model Xbox do you have?

You might not need a Roku, as some XBoxes can stream Netflix, Amazon, etc.

Broken Man 1999
by Broken Man 1999
Mon Oct 15, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Gift for two of four grandchildren
Replies: 18
Views: 2188

Re: Gift for two of four grandchildren

TxAg wrote:
Mon Oct 15, 2018 10:57 am
Why can't she write a check to the parents of those two kids with the expectation they use the $$$ for college?
Expectations are not certainties.

Broken Man 1999
by Broken Man 1999
Fri Oct 12, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Website article on lawsuits over hospital balance / surprise billing
Replies: 56
Views: 2292

Re: Website article on lawsuits over hospital balance / surprise billing

Wife and I have a PPO plan that costs $630/year more than the virtually identical HM0. Fact is, after several years, I have never had to go out of network. Probably a waste of money but you never know what might happen. So there is a way to have a larger network, but it does cost. And you still have...
by Broken Man 1999
Fri Oct 12, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much assets to self insure (Life) ?
Replies: 14
Views: 618

Re: How much assets to self insure (Life) ?

Long-term Disability insurance?

If you are dead, your income ceases.

If you'd are disabled, your income ceases, but your expenses can explode.

Broken Man 1999
by Broken Man 1999
Thu Oct 11, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Remodel
Replies: 9
Views: 1148

Re: Paying for Remodel

Any TLH opportunities for taxable, since there has been a market drop?

Broken Man 1999
by Broken Man 1999
Thu Oct 11, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: auto/home insurance rates
Replies: 19
Views: 1551

Re: auto/home insurance rates

I/we have been with State Farm - auto 46 years and homeowners for 40. Very happy - premiums are low (compared to what I understand). We now pay less than $500 per year for State Farm Homeowners and $70 per month for Sate Farm liability and un/underinsured motorist for two older cars and two older d...
by Broken Man 1999
Thu Oct 11, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 66
Views: 5994

Re: Just Divorced -- Need Help

Might want to take a look at Chase Slate credit card -- 60 day introductory balance transfer (so, no fee on the transfer if you do it in time) then 0% APR for 15 mo. on said balance transfers. I did this (balance transfer) on a Chase Slate card last year to delay payment on some unexpected home exp...
by Broken Man 1999
Thu Oct 11, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard's bond screen problems
Replies: 8
Views: 691

Re: Vanguard's bond screen problems

I just went thru the CD buy screen all the way to the last step, everything seemed to work fine. I bailed out as I didn't really want to buy a CD.

Broken Man 1999
by Broken Man 1999
Wed Oct 10, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 4044

Re: Vanguard website problems [Transactions won't go through, etc.]

I used the website for two orders about 3:45PM today. I had signed in for the last time about 2:45PM, and was constantly watching the fall. I stayed on the website until market closed. I had signed in a number of times during the day. I just checked access again and with Internet Explorer browser an...
by Broken Man 1999
Wed Oct 10, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1551043

Re: U.S. stocks in freefall

I capitulated fellas, sold all my holdings and put it into Tesla. Good move! :happy I threw in $5K for myself, and $5K for BIL for Vanguard Total Stock Market ETF (VTI). My spend rate has been better than I expected, so I have a bit of extra cash, year is almost over, so why not? Tomorrow we might ...
by Broken Man 1999
Wed Oct 10, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1551043

Re: U.S. stocks in freefall

I capitulated fellas, sold all my holdings and put it into Tesla. Good move! :happy I threw in $5K for myself, and $5K for BIL for Vanguard Total Stock Market ETF (VTI). My spend rate has been better than I expected, so I have a bit of extra cash, year is almost over, so why not? Tomorrow we might ...
by Broken Man 1999
Wed Oct 10, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Appreciated Stocks to Grandparent to pay Child's Private School Tuition
Replies: 127
Views: 8561

Re: Gifting Appreciated Stocks to Grandparent to pay Child's Private School Tuition

OP, run your plan by the IRS, let us know what the IRS thinks.

Seems pretty easy way to decide the argument, no?

Broken Man 1999
by Broken Man 1999
Tue Oct 09, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9563

Re: What is your annual cost for health insurance?

Wife and I are both on Medicare, with great insurance mostly paid by MegaCorp. Currently we have a Humana Medicare Advantage PPO, includes dental, vision and drug plan. We each pay $134 for Medicare B. The Humana plan costs $630/year total for both of us. We could have just about the same coverage w...
by Broken Man 1999
Mon Oct 08, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 50
Views: 3729

Re: What tools do you use to track your finances?

Vanguard Portfolio Analysis Same here. As I continue simplifying our Vanguard accounts, there is really not a lot of things needing tracking in our portfolio. For expenses, I have a sheet of heavy cardstock with 26 rows horizontally, and 12 columns, one for each month. Each horizontal row(cell) has...
by Broken Man 1999
Fri Oct 05, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Jack Bogle’s Bogleheads Keep Investing Simple. You Should Too.
Replies: 12
Views: 1787

Re: WSJ: Jack Bogle’s Bogleheads Keep Investing Simple. You Should Too.

From the link: "......Mr. Bogle says he has roughly half his money in stocks, half in bonds. “I spend about half of my time wondering why I have so much in stocks,” he says, “and about half wondering why I have so little.” FWIW, I think Mr Bogle articulates perfectly what I sometimes struggle with e...
by Broken Man 1999
Fri Oct 05, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1551043

Re: U.S. stocks in freefall

Kinda funny seeing my sea of red, with one little green island holding...GE! I was hoping to buy some more, expecting a good drop, nope. Not yet. We could be in for a bumpy ride. Return items to overhead bins, secure tray holders, and fasten your seatbelt. Just a little bit of turbulence, we will be...
by Broken Man 1999
Fri Oct 05, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Do BH's recommend annual new quote for insurance?
Replies: 12
Views: 1169

Re: Do BH's recommend annual new quote for insurance?

I have been using an independent insurance agent for the last few years. My expectation is for her to shop my auto and home policies at each policy renewal. I also contact other independent insurance agents every couple of years, just for a sanity check. Thus far my agent has performed well. To answ...
by Broken Man 1999
Thu Oct 04, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4330

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

The cost does not seem worth it. Visiting graves does not usually extend past two generations. I have seen my great-grandparents' graves, but only because I am a fairly serious genealogist. I can't think of any friends who have visited their great-grandparents graves. For that amount of money, an o...
by Broken Man 1999
Wed Oct 03, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: With random sources of income, how do you know what you have to pay taxes on?
Replies: 12
Views: 817

Re: With random sources of income, how do you know what you have to pay taxes on?

We are living on our portfolio distributions plus SS for both of us. Every distribution we take sends some $$$$ to the tax man. I cashed in some low interest savings bonds I was holding at Treasury Direct. So for them I took a distribution from Vanguard and allotted 90% to tax. I wanted to send 99% ...
by Broken Man 1999
Wed Oct 03, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Did Jeff Bezos just pull a Henry Ford?
Replies: 32
Views: 2530

Re: Did Jeff Bezos just pull a Henry Ford?

Well done, Mr Bezos! You have purchased a good amount of political coverage. Not that there anything wrong with that.

Of course the alcolades won't last forever. Soon there will be cries of $XX.00/hr here and there.

Broken Man 1999
by Broken Man 1999
Tue Oct 02, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4330

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

if I can arrange it, I am considering donating my body to a nearby Medical School. my cost for loved ones is $0, not because I prepaid but because I signed up with www.sciencecare.com unlike donation to a medical school, the cost of which is often borne by the one donating, sciencecare covers all c...
by Broken Man 1999
Tue Oct 02, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4330

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

My desire is direct cremation, that will run between $750-$1000 in 2018 dollars. No involvement of funeral home. No viewing. Nada! Some small brass urns http://www.perfectmemorials.com/laurel-leaf-brass-keepsake-cremation-urn-engravable-p-5989.html for anyone who wants some of my ashes. Engraved one...
by Broken Man 1999
Tue Oct 02, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5367

Re: Root of Good's cost of raising a child: $3,300 per year

The tax code and government programs in general all have goodies sprinkled throughout. It is our job to find the goodies that work to our advantage. Those who do careful research can claim the goodies. They didn't hide the Easter eggs. They simply find them. So long as they didn't commit fraud, more...
by Broken Man 1999
Tue Oct 02, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5367

Re: Root of Good's cost of raising a child: $3,300 per year

Not even close. Obtaining healthcare at extremely reduced costs is not an equal comparison to those of us in the world who pay market rates. Daycare alone is $15k+, even the cheapest is over $10k. Living in a safe neighborhood - it’s costly, taxes are not cheap. Clothing, food, class trips, book fa...
by Broken Man 1999
Tue Oct 02, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5367

Re: Root of Good's cost of raising a child: $3,300 per year

Any person on Medicare is also getting a large subsidy themselves. Granted, some seniors pay more, but are still receiving large subsidies, even those like myself with higher wealth.

What is the difference in using other subsidized health plans?


Broken Man 1999
by Broken Man 1999
Tue Oct 02, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Switching From Medicare Advantage to Traditional Medicare
Replies: 12
Views: 1325

Re: Switching From Medicare Advantage to Traditional Medicare

Not sure but going to a Medicare Advantage PPO might get him more access. In our case, we pay $630/year extra for the PPO. The HMO would be free for us. But given my issues, a PPO is worth the extra, as my network is much, much larger. I don't know if going from an HMO to a PPO would trigger underwr...
by Broken Man 1999
Tue Oct 02, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5367

Re: Root of Good's cost of raising a child: $3,300 per year

For those who are suggesting that these kids are not being well cared for, I'd suggest that you dig into the blog posts a bit more. They cook amazing food at home all the time, they travel to incredible destinations on a regular basis, and their kids always look happy. Despite the fact that they sp...
by Broken Man 1999
Tue Oct 02, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4200

Re: My bank and absurd policy for "no fee"

My credit union has much the same deal, free checking if a $500 deposit each month plus electronic statements. But my SS is deposited the third Wednesday, as is DW's. We won't ever (I don't think) have your issue. I just have to believe this isn't something that should be an issue for your bank, as ...
by Broken Man 1999
Tue Oct 02, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5367

Re: Root of Good's cost of raising a child: $3,300 per year

For those who are suggesting that these kids are not being well cared for, I'd suggest that you dig into the blog posts a bit more. They cook amazing food at home all the time, they travel to incredible destinations on a regular basis, and their kids always look happy. Despite the fact that they sp...
by Broken Man 1999
Mon Oct 01, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7335

Re: Bonds... Why do people bother with them. ?

OP, you experienced 2008, right? But, were you depending on your portfolio to support you? I think probably not. If you have been a new retiree about that time, you would have been helped having bond holdings. I wasn't retired in 2008, and I picked up additional equities when I could. But, as I got ...
by Broken Man 1999
Mon Oct 01, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6500

Re: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan

Unless your phone habits are going to change greatly, I think a Samsung S9 might be an overkill, as others have suggested. My current phone is the S9, we were able to get a good deal on it from Best Buy. $480 for the phone. Of course wife has to stay with Verizon for two more years, but that won't b...
by Broken Man 1999
Mon Oct 01, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 962

Re: Lifetime alignment services

I have usually had alignments done at the place where I bought tires. I have used Firestone once or twice for the alignment deals, but it wasn't lifetime, it was for 5 years. They did a good job, and didn't try to sell me anything else. But they didn't have the tires I needed for my van that were eq...
by Broken Man 1999
Sun Sep 30, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange from Vanguard ETF to Admiral share?
Replies: 16
Views: 606

Re: Exchange from Vanguard ETF to Admiral share?

I'm curious, why exchange from an Total Bond ETF to a Total Bond mutual fund? The ER is the same for both. Personally I like ETFs because an ETF gives me more options. I can set my max price for buying, and also min price when selling. I like that capability a lot. ETFs can be used for frequent trad...
by Broken Man 1999
Sun Sep 30, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Botched Roof Job. What to do.
Replies: 15
Views: 1911

Re: Botched Roof Job. What to do.

Who is doing your roof inspection? In my little burb, the city inspectors are so talented they can approve roofs with nothing more than signing off on the permit. Look at different times to see underlayment? Not them. Look to see correct length/spacing of nails? Nah, not needed. Climb a ladder to c...
by Broken Man 1999
Sun Sep 30, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: When the $2000 deductible bites you in the rear end!
Replies: 30
Views: 4146

Re: When the $2000 deductible bites you in the rear end!

I read a post here a couple of days ago and remember some participants stated they had experienced very little premium savings when they accepted more risk with higher deductibles. You might find a lower deductible might not cost so much extra. I think some consumers have been convinced that having ...
by Broken Man 1999
Sun Sep 30, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019
Replies: 17
Views: 1766

Re: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019

I am waiting for the HMO pre authorization requirements to go away. This obviously will cause some people to delay treatment, perhaps enough to generate a reduction in the loss ratio that exceeds the added overhead from the gate keeping activities. ... This is perhaps one of the biggest misconcepti...
by Broken Man 1999
Fri Sep 28, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Old Costco American Express 2-Year Warranty Extension
Replies: 18
Views: 2839

Re: Old Costco American Express 2-Year Warranty Extension

Hmmm, I bought a new TV about a year or so ago from Costco using my Costco Citi credit card. What I was supposed to get was one year Samsung warrantee, doubled by Costco, giving me two years, then two more years for using my Costco credit card, giving me four total years. I think I will check with C...
by Broken Man 1999
Fri Sep 28, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 7416

Re: cleaning lady stealing

I have to agree with those stating to report to cleaning company. Not sure about reporting to the police, as I would be afraid perhaps I made a mistake in counting, or perhaps someone else, even a trusted family member, might have stolen the pills. My health aides are trusted by me, usually my aides...
by Broken Man 1999
Fri Sep 28, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: 1 year Agency yield 7.67
Replies: 2
Views: 377

Re: 1 year Agency yield 7.67

I was looking at Vanguard CDs to invest my emergency fund for short time (1-3 months) and found agencies i.e. Fed Home Ln Discount Nt with an yield of 7.67% for a period of 1 year. I am not familiar with agencies.Anyone invested in it? While the yield % certainly enticing, I am not sure if this is ...
by Broken Man 1999
Fri Sep 28, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct has awesome phone support! Thanks!
Replies: 21
Views: 1826

Re: Treasury Direct has awesome phone support! Thanks!

I don't mind the website and I have occasionally hit the back arrow on my computer unthinkingly. Maybe I am feeling my age, but I decided to empty my Treasury Direct account because of the problem of heirs obtaining the bonds that are held electronically. I have a few paper I-bonds in a safety depo...
by Broken Man 1999
Thu Sep 27, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

Sometimes the company founders are really talented in ideas, but that doesn't necessarily mean they will be good executives to run the company.

Musk is incredibly talented, but seems to lack common sense at times frequently. He is a bit of a loose cannon.

Broken Man 1999
by Broken Man 1999
Thu Sep 27, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: I'm switching to Vanguard (yay!). Is it an easy transfer?
Replies: 16
Views: 1437

Re: I'm switching to Vanguard (yay!). Is it an easy transfer?

I have made many transfers to Vanguard, including TIRAs, Roths, trust accounts, brokerage accounts, etc. for many family members. What I always did PRIOR to any transfer was to set up a shell account at Vanguard. That way specific account numbers a could be used for the incoming assets. Only had one...
by Broken Man 1999
Thu Sep 27, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 177
Views: 22497

Re: Vanguard - You'll need to sign up for security codes soon

I have agent authorization for DW and BIL. So all their accounts show up when I login using my regular Vanguard login. I could use their logins I suppose, but that introduces uncertainly for a determination of WHO actually conducted business on their accounts. Having agent authorization and always u...
by Broken Man 1999
Thu Sep 27, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Access to WSJ denied
Replies: 11
Views: 1460

Re: Access to WSJ denied

Whew! When I read the title of this thread, I immediately attempted to sign on to my new online subscription of the WSJ. But after reading the posts, the problem seems to point to not having a subscription. Simple solution, get a subscription. Problem solved! You can get an introductory subscription...
by Broken Man 1999
Wed Sep 26, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: $19 a a month, .63 a day
Replies: 11
Views: 1472

Re: $19 a a month, .63 a day

I had a couple of charities that were given $19/month as well.

I'm as curious as you are, OP.

Perhaps donors are agreeable to $19/month more so than other amounts. Who knows?

I have stopped both $19/month "gifts", but it is a mystery to me.

Broken Man 1999