Search found 792 matches

by Broken Man 1999
Sat Nov 18, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 15
Views: 2669

Re: Why did Vanguard drop TurboTax?

I had been using the IRS "free electronic filing vendor list", though generally we don't qualify either through our state of residence, or income. I guess they all know that a Florida resident isn't going to need a state income tax filing, so they look elsewhere for customers. Last couple of years I...
by Broken Man 1999
Sat Nov 18, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 75
Views: 3136

Re: Do you include the sale of your home as part of your retirement planning?

No, we do not plan to sell our home as part of our retirement. We are painting/polishing/replacing everything we can for fewer unexpected housing expenses in the coming years. Our home isn't in bad shape at all, but was in need of some facelifts. Exterior is brick and vinyl siding, so that is a plus...
by Broken Man 1999
Fri Nov 17, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1431

Re: Is dent repair service worth it?

I have never had a dent removed in that manner, but I have seen some on friends and relatives vehicles. The right person can work miracles. So IF you can find the right person, you should be good. I can't understand how they can repair the dent without ruining the paint, but apparently paint has som...
by Broken Man 1999
Thu Nov 16, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: BMW to Chevy Bolt?
Replies: 30
Views: 2259

Re: BMW to Chevy Bolt?

The lease is for 15k miles per year (45k miles total). My past history indicates that I drive 13k per year. Great! Sounds like everything would work out nicely for you. I know about lease mileage overages as my wife leased a Altima many years ago, and sure enough, she ran over her mileage limit. Sh...
by Broken Man 1999
Thu Nov 16, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: BMW to Chevy Bolt?
Replies: 30
Views: 2259

Re: BMW to Chevy Bolt?

Although you might save much/most of your estimated $200/month gas bill, don't forget that leases come with mileage limits, and some lease deals I have seen are downright stingy. So don't get caught up in saving that gas money and get trapped for future lease expenses if you go over your limit. Good...
by Broken Man 1999
Thu Nov 16, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1062

Re: ASUS Student Chromebook - thoughts?

Just a side note for anybody shopping. I followed the above link to Costco and that model does look good. My ebates app popped up and told me that the same model was available for $47 less at jet.com with free shipping and a few percent rebate if you have ebates so a few more dollars saved. So just...
by Broken Man 1999
Tue Nov 14, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7196

Re: GE and the myth of "safe blue-chip stocks"

Well, that's the difference between buying high and selling low and buying low and selling high. You just got to remember those two choices, and make the right one. :D

So after a dividend cut, GE will be paying a bit above 2.5%, although it could be lowered again.

Broken Man 1999
by Broken Man 1999
Tue Nov 14, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7196

Re: GE and the myth of "safe blue-chip stocks"

I am collecting GE stock right now. I'm up to 300 shares, I'm shooting for 1,000. It is my second rodeo with GE. In 2008 and 2009 I bought GE for $10/share, and $7.74/share. In 2015 I sold GE for $26 and $28 per share. My gains on individual stocks (not just GE) financed my first 6 months of retirem...
by Broken Man 1999
Tue Nov 14, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5139

Re: Keurig died...what now?

Wife is on her 5th Keurig, all defective units cheerfully replaced at Bed Bath and Beyond . The last one did cost $10 or $12, as it was the model that can brew a carafe of coffee as well as a single cup. Meanwhile my $20 Mr. Coffee is still brewing away after a few years. Keurig just doesn't work fo...
by Broken Man 1999
Tue Nov 14, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: hellstrip- who's responsible for an accident
Replies: 9
Views: 1332

Re: hellstrip- who's responsible for an accident

Never heard (or read before today) the word hellstrip . Who maintains the sidewalks? In our neighborhood the city maintains the sidewalks, so I would believe if your sidewalks are maintained by your particular municipality then they would be liable. But, just a guess based on common sense. But as we...
by Broken Man 1999
Mon Nov 13, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 4860

Re: POAs may not be that powerful

Question: Would someone need a POA if they were already an agent? I'm curious, as if not then I wouldn't have any issues with Vanguard NOT accepting my POA I might give to someone. Vanguard's Agent Authorization form can be filled out online, if the person being authorized is already a Vanguard cust...
by Broken Man 1999
Sun Nov 12, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 40
Views: 3777

Re: Warm Shirt for Winter

Winter: Cargo fleece shorts and a waffle knit Henley, unlined. Really cold winter: Fleece sweat pants and a waffle knit Henley (fleece lined) or fleece pullover. I need Big and Tall sizes, so most of my clothes come from http://www.kingsizedirect.com/ For weddings and funerals, I wear a pair of chin...
by Broken Man 1999
Sun Nov 12, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 529 (nevada) for a 9 year old and new born
Replies: 4
Views: 515

Re: Vanguard 529 (nevada) for a 9 year old and new born

We have three Vanguard Nevada 529 plans for our grandchildren. We use the age-based plan that does rebalancing automatically. Fewer accounts at risk of the possible future decline of my cognitive skills to affect. The mothers of the grandchildren are already Successors when I die, and as "interested...
by Broken Man 1999
Fri Nov 10, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7204

Re: Personal letters to the sellers of your house can work!!!

Congrats on your home buying. It is always nice to see a something that isn't required perhaps tip the scales in your favor. Also it seems like this is your dream home, always nice to have a shot at getting what you want, and not having to settle for something that wasn't exactly what you desired. H...
by Broken Man 1999
Thu Nov 09, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1303

Re: Cellphone Battery

A lot of times I have found that if the battery suddenly went dead and refused to charge, the problem was the charging port, not the battery. We just replaced wife's charging port (and glass) and bought an oversize battery for her Samsung Galaxy S5. The battery is larger than the OEM, but the batte...
by Broken Man 1999
Thu Nov 09, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2691

Re: Home backup generator experiences

We have a Honda powered 8750 watt tri-fuel (gas, LP, and NG) generator modified by Central Marine Diesel of Maine. It replaced a hard to crank 7000 watt Home Depot propane generator. http://www.centralmainediesel.com/order/03368.asp?page=H03368 We used the generator for a few hours during Hurricane ...
by Broken Man 1999
Wed Nov 08, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 7
Views: 388

Re: Disability Insurance

I have LTD insurance through my employer. The policy is with MetLife, and they have paid my claim every month since November of 1999. They require that my condition be certified each year, my doctor fills out his portion of the form (free) and that's all I hear from them. My disability payments end ...
by Broken Man 1999
Wed Nov 08, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 5038

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

Not gonna do it. Wouldn't be prudent. Our homeowner's policy premium here in Florida where the hurricanes visit periodically is not even 1% of the value of our home. I could self-fund the rebuilding easily enough, but the liability could wipe us out. No reason to take that type of risk. Broken Man 1...
by Broken Man 1999
Wed Nov 08, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 4372

Re: Considering buying a new cell phone- ideas?

Prior to having both of our phone screens replaced, I had a backup plan of buying Samsung Galaxy S6 on Amazon, new, unlocked for $279.00. As it turned out our screen replacements on our Samsung Galaxy S5s were successful, so we have no reason to shop any longer. However, if I see an unbelievably goo...
by Broken Man 1999
Wed Nov 08, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34643

Re: Did you tell anyone you paid off your mortgage?

We told our children (adults) as we attempt to share important info with them. As well our closest neighbors know our home is paid off (as is theirs). Our neighborhood is overwhelmingly retired folks. I told my wife pretty soon it would be renamed Widow's Row as the men start dropping. An honest han...
by Broken Man 1999
Wed Nov 08, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2539

Re: Investment Books & Your Library

I'm reading Wade Pfau's latest book, How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies at the moment, along with Larry Swedroe's and co-author Andrew L. Berkin's book, Your Complete Guide to Factor-Based Investing: The Way Smart Money Invests Today . Both ...
by Broken Man 1999
Wed Nov 08, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1509

Re: Auto Insruance Payment

I have nine payments/year. If I go in each time and use a credit card, I pay a couple of bucks fee. OTOH, if there is a credit card on file, they apply it and there is no charge. So I have a card on file and receive my rewards of 2%.

Broken Man 1999
by Broken Man 1999
Tue Nov 07, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 53
Views: 6619

Re: Black Friday Deals/Holiday Gift Ideas

Our shopping is complete, almost. The stuff for our grandkids was ordered and has arrived. Amazon gift cards for daughters and sons-in-law. Used to give checks, but got tired of waiting to see them cashed. So no checks for anyone this year! Clueless what to buy wife, as usual. For my health aides I ...
by Broken Man 1999
Tue Nov 07, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to graduate 1 semester sooner if it costs MORE?
Replies: 9
Views: 735

Re: Is it worth it to graduate 1 semester sooner if it costs MORE?

I loaded up in the last semester of my undergraduate degree. Like you I was working 40 hrs a week, and had a wife and two small children. I completely get you desire to get your program finished. I remember the grind it was for me. It was a real tough job taking so many classes. Plus I had recently ...
by Broken Man 1999
Mon Nov 06, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7673

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

I think having two or three funds instead of five or seven or however many is unlikely to be helpful in the event of severe cognitive decline. If you can manage three funds, you can manage five. If you can't manage five, you probably can't manage three. Maybe one fund would be okay, but more likely...
by Broken Man 1999
Mon Nov 06, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10954

Re: Got an iPhoneX

I am happy to read the posts about those buying an iPhoneX. Seriously. My Apple stock is a-popping, and hopefully the iPhoneX will enjoy robust sales for a couple of quarters from now. I would love to see a doubling of my buy in January 2016 @ $93.55. Wife and I have Samsung Galaxy S5 phones, still ...
by Broken Man 1999
Fri Nov 03, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Complaint Resolution
Replies: 21
Views: 1283

Re: Complaint Resolution

I called with a question about distributions to funds. Sometime in the call she cancelled the RMD. It cannot be set up the way I had it because they changed there procedures. The call was recorded but I have as of yet gotten someone to review it. If it cannot be set up because of "their" procedures...
by Broken Man 1999
Fri Nov 03, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Complaint Resolution
Replies: 21
Views: 1283

Re: Complaint Resolution

Why was it cancelled?

Can they reinstate it?

More details might generate more replies/help.

Broken Man 1999
by Broken Man 1999
Fri Nov 03, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 64
Views: 8528

Re: Regret of selling winning stocks early

jjface wrote:
Sun May 01, 2016 9:35 am
I sold apple stock when it was $93. I was sad for a while but not anymore. No joke.
I must have bought some of your Apple stock, as I bought at $93!

Tempting to sell now, but I'll hold just a little longer, I'd like to see a double first. Then maybe I'll sell part of it.

Broken Man 1999
by Broken Man 1999
Fri Nov 03, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Holding a mortgage for someone else - options?
Replies: 30
Views: 1869

Re: Holding a mortgage for someone else - options?

barefootjan, Just give them to money aka "Pay It Forward" for the inheritance makes the most sense. KlangFool I agree with KlangFool! Sounds like the family member could use an early inheritance, especially if they would be receiving one anyway. That would accomplish the goal, PLUS reduce the risk ...
by Broken Man 1999
Thu Nov 02, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing from Various States Prepaid College Funds
Replies: 4
Views: 323

Re: Choosing from Various States Prepaid College Funds

I purchased 3 Florida Prepaid plans for daughters, and had no issues using them. We bought them the year the plans were first offered. A couple of years ago the costs of the Florida Prepaid plans were reduced, and made the 4 plans I was purchasing for our grandchildren more affordable. I paid them a...
by Broken Man 1999
Thu Nov 02, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2913

Re: Do you Mow your own Lawn?

Nope! I pay $120/month for mowing, edging, trimming, blowing all grass into bags when growth is heavy, blowing off deck, sidewalks, and driveway. I could possibly suggest my wife do the yard chores, but I am already broken enough. :oops: Broken Man 1999. PS: It was nice when our children were young,...
by Broken Man 1999
Thu Nov 02, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49512

Re: Retirement Account Stolen by Identity theft

Great news!

I'm glad it seems this horrible experience will soon be behind you, and your father. I can only imagine the stress you both have been under.

Are you considering moving your father's account?

Broken Man 1999
by Broken Man 1999
Sun Oct 29, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Car accident
Replies: 11
Views: 881

Re: Car accident

First, I'm glad your wife is uninjured. However, since she hit an occupied vehicle hard enough to cause damage, I would notify your insurance company immediately. Yes, you might get dinged at renewal time, but you are protected from claims the other driver might make when his/her neck starts hurting...
by Broken Man 1999
Sun Oct 29, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 1564

Re: PA Speeding Ticket?

Were you speeding?

If so, take your medicine. It will build character.

Broken Man 1999
by Broken Man 1999
Sun Oct 29, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Stucco vs Brick
Replies: 10
Views: 984

Re: Stucco vs Brick

Our home is brick, it was built in 1988, and everything is still like new. Brick can last 100s of years, as gtd98765 stated. I cringe when I see painted brick, though I see lots of it. We have a lot of shade on our lot, and lots of humidity here in Florida. So every few years we need to pressure was...
by Broken Man 1999
Sat Oct 28, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49512

Re: Retirement Account Stolen by Identity theft

I can tell you from experience what happens when you change something on your personal profile at Vanguard. I noticed that my "evening phone number" was blank, so I added it. My "daytime phone number" was there, and my "evening phone number is the same as my "daytime phone number." No change, just a...
by Broken Man 1999
Fri Oct 27, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3487

Re: Amazon kindle paperwhite

I'll add my vote for the Kindle Paperwhite from Amazon. I use it in the dark, and blazing sunshine, and it is very readable in any light. So far as comparing it to reading on a regular tablet, there is just no comparison, IMHO. Granted, a tablet can be fine for short reads, but after a bit my eyes f...
by Broken Man 1999
Fri Oct 27, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Account for child's money
Replies: 17
Views: 960

Re: Account for child's money

How old is your child?

The older the child, the fewer good options in that money needed or desired within a few years shouldn't be invested, but instead saved.

If child is younger, the time frame until needed is extended, and perhaps a mutual fund might be more appropriate.

Broken Man 1999
by Broken Man 1999
Thu Oct 26, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Credit card companies forgiving debt after death?
Replies: 48
Views: 3849

Re: Credit card companies forgiving debt after death?

beehappy wrote:
Thu Oct 26, 2017 10:28 am
I'm a bit confused. Credit card debt is unsecured debt. They cannot seize assets if not paid. So what's the upside to paying an unsecured debt of a dead person? Honest question.
The upside to me would be that I did the proper thing according to my ethics. YMMV.

Broken Man 1999
by Broken Man 1999
Thu Oct 26, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Accessing a Social Security Office
Replies: 20
Views: 1249

Re: Accessing a Social Security Office

I would suggest setting up an appointment if you can't accomplish what you need online of via a telephone call versus just showing up. But, as the year gets closer to the end I would expect the appointments offered interval will increase substantially, kinda like the DMV lines at the end of the mon...
by Broken Man 1999
Thu Oct 26, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: Can you own a share [of a person's future earnings?]
Replies: 19
Views: 1717

Re: Can you own a share of a person?

A pro golfer I knew was "owned" by a syndicate. The members fronted him expenses for travel and such. I suppose they shared in his winnings as payback. Not sure of the details other than he was being sponsored by the group. He did win several million $$$ he PGA tour over his career.

Broken Man 1999
by Broken Man 1999
Thu Oct 26, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12148

Re: Request for Promotion letter to Senior Management

In my career at Megacorp I leaned many things: 1. If management wants to give you a raise, but raises are "frozen", management will give you a raise. I bumped up against the top pay for my level once. So, I was promoted to a higher level doing the exact same job. Opened up the salary band again for ...
by Broken Man 1999
Wed Oct 25, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Accessing a Social Security Office
Replies: 20
Views: 1249

Re: Accessing a Social Security Office

We have used SS office with appointments a couple of times, and each time we were whisked in, bypassing the horde of walk-ins. Got some dirty looks from some. There were a couple of people there complaining loudly about their wait, one was removed by security. When I say horde, well, it is no exagge...
by Broken Man 1999
Tue Oct 24, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 164
Views: 14892

Re: Does anyone here with net worths north of $1 mil use financial advisors?

There is nothing I think that a FA could do for us. We have a moderately simple portfolio all housed at Vanguard. Over the last few months I have made the portfolio even more simple. We have a handful of individual stocks, and a couple of sector ETFs (Vanguard Health and Vanguard REIT) and the balan...
by Broken Man 1999
Tue Oct 24, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Observation on Edward Jones
Replies: 21
Views: 4253

Re: Observation on Edward Jones

I stayed this week at the Hilton Charlotte University Place for business purposes. I noted there were several conventions and meeting going on. One in particular caught my attention. It was a diversity recruitment event for Edward Jones. I attended a couple of sessions and was amazed. What was cons...
by Broken Man 1999
Mon Oct 23, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: What can I do? was given wrong price on insurance and now told I can’t cancel.
Replies: 13
Views: 1226

Re: What should I do? was given wrong price on insurance am now told it’s not csncelable.

Many (most) insurance policies give you a period of time for you to examine the policy.

Did you examine the policy?

Also, what type of insurance is it?

Is it non-cancellable, or does it cost you money to cancel?

Give more details, please!

Broken Man 1999
by Broken Man 1999
Mon Oct 23, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Best way to pay for part-time care for grandfather?
Replies: 14
Views: 1037

Re: Best way to pay for part-time care for grandfather?

If a HELOC doesn't work out, A reverse mortgage might be just the thing. A reverse mortgage might mess up inheritances, but he would certainly have the $$$ to help with an aide for several hours a day. Any way for your father and uncle to kick in the necessary $$$ without your grandfather taking out...
by Broken Man 1999
Mon Oct 23, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Helping college costs of grandchildren
Replies: 37
Views: 2339

Re: Helping college costs of grandchildren

Wife and I have purchased prepaid tuition plans for all four grandchildren, two from each daughter, so OP's issue isn't present in our situation. However, I wouldn't attempt to keep the gifts equal in OP's case. The gift is given to the grandchild, not the parents of the child. I believe in keeping ...
by Broken Man 1999
Sun Oct 22, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2555

Re: how often to upgrade phone?

Wife and I upgraded to Samsung Galaxy S5 phones when the S6 models were released. My old Samsung Galaxy S3 is used to play music. Unfortunately both our S5 phones have cracked screens, as well wife's phone needs a new battery. Next week we will have screens replaced and new batteries installed for $...