Search found 1562 matches

by Broken Man 1999
Wed Dec 12, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 154
Views: 16583

Re: Best values at Costco? Honestly, a little disappointed...

What's the world coming to when you can't return a 6 y/o coffee maker that refuses to stop working? :D Yes, we're doomed for sure. Bed, Bath, and Beyond"s return policy makes Costco's return policy seem restrictive. DW and I received a Keurig machine right when they came on the market. She makes he...
by Broken Man 1999
Wed Dec 12, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Lost value in 529 savings
Replies: 22
Views: 1316

Re: Lost value in 529 savings

We have 529 plans through Vanguard, as there is no reason to invest in a state offered plan that in other states might result in some credit of state income taxes. Florida doesn't have state income taxes, so no value of the state plans. The state plan is not that bad, but not as good as Vanguard 529...
by Broken Man 1999
Wed Dec 12, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Lost value in 529 savings
Replies: 22
Views: 1316

Re: Lost value in 529 savings

OK, I got what everyone is saying. So this year again I can contribute another 20K into 529 savings :) Hopefully the 2008 never repeats again :( That is the spirit! Your investing journey in terms of $$$ will not be a straight, ever-increasing upward line. That just isn't the way things work. IMHO,...
by Broken Man 1999
Wed Dec 12, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 27
Views: 1527

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

Why don't people like Vanguard's agent authorization form? Frankly, in my case using their form is easy as can be, I already have Agent authorization on DW's and BIL's Vanguard accounts. If the person you are allowing agent status is already a Vanguard client, it is even easier. But, to the point, ...
by Broken Man 1999
Tue Dec 11, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 27
Views: 1527

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

Have you tried writing them, rather than phone calls?? I wonder whether they would be as cheerful about their defiance of the law when putting it in writing. The VG crew member I spoke to today deftly tried to send me the agent route, but I countered by asking her to have someone from the legal tea...
by Broken Man 1999
Tue Dec 11, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 27
Views: 1527

Has anyone been able to execute a Power of Attorney with Vanguard?

Just returned from estate attorney after signing all the documents. However, I have read earlier discussions where Vanguard was not the easiest to deal with concerning POAs. Has anyone been able to get Vanguard to accept a POA prepared using their particular state guidelines? New shiney POAs will du...
by Broken Man 1999
Tue Dec 11, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Wills, Estates and Trusts
Replies: 28
Views: 2546

Re: Wills, Estates and Trusts

We are visiting our estate attorney today to sign our estate plan documents. The total cost was $1,500 for wills, Durable Power of Attorney, Healthcare Advocate, Living Wills for the two of us. Location is inland around Tampa Bay area of west coast of Florida. We are fortunate we have adult daughter...
by Broken Man 1999
Mon Dec 10, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 59
Views: 6194

Re: Article: Your love of index funds is terrible for our economy

Not sure what the author means by "our economy."

I do know index funds have substantially improved my (and DW's) economy. So, our economy is doing just fine.

Broken Man 1999
by Broken Man 1999
Sun Dec 09, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6556

Re: are manufactured homes a bad investment?

DW and I lived in a 12'X52' trailer when first married. It was brand new, and certainly affordable housing when we were very poor, starting our journey of independent life. DW was a cashier in a grocery store, and I worked in a warehouse doing physical labor like loading semi-trailers with picture t...
by Broken Man 1999
Sun Dec 09, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2868

Re: Contractor draws during remodeling project

In my opinion, this should have been spelled out in the initial contract you signed with him before he got started. All draws are included in the contract. We just received the final pricing last week. I know what the draws are, I was just seeking a sanity check since we haven't done this since 200...
by Broken Man 1999
Sun Dec 09, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2868

Re: Contractor draws during remodeling project

Thanks for all the replies! It seems we are right in the ballpark with a 40% initial draw. Our remodel will be around $50,000, counting appliances. I have declared 2019 as the Year of the House aka Year of Empty Pockets , as we will be doing a bunch of projects. Fencing, larger gutters, replacing ti...
by Broken Man 1999
Sat Dec 08, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2868

Contractor draws during remodeling project

DW and I are doing some remodeling consisting of a new floor in all downstairs and a new kitchen. Just out of curiosity, I'd like to hear what others have experienced so far as the doling out of monies during a similar project as identified above. It has been many, many years since we have done anyt...
by Broken Man 1999
Fri Dec 07, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3451
Views: 1022920

Re: What Book Are You Currently Reading? Part VI

Currently reading Mr. Bogle's latest book, Stay the Course: The Story of Vanguard and the Index Revolution . I have previously read much of the history of Vanguard, and while the general story of Vanguard has been well publicized, Stay the Course offers a more in-depth look, IMHO. The details someti...
by Broken Man 1999
Thu Dec 06, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott data breach, what are you doing about it?
Replies: 11
Views: 1323

Re: Marriott data breach, what are you doing about it?

We have experienced more than one data breach recently, though not the current one experienced at Marriott. We have our credit frozen, alerts on all credit cards via email for all purchases. Not sure anything else would help other than having any credit card used at Marriott reissued. Wife and I exp...
by Broken Man 1999
Thu Dec 06, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: New Member Looking to Leave Raymond James
Replies: 6
Views: 531

Re: New Member Looking to Leave Raymond James

Thanks for paying some $$$ to the Tampa Bay Buccaneers for their playpen, Raymond James Stadium. Though the Buc's play abysmal football, the stadium is very nice. Unfortunately the taxpayers are also funding the Buc's playpen, as par for the course for sports teams. I don't think OP or the taxpayers...
by Broken Man 1999
Thu Dec 06, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 350
Views: 19514

Re: What are others paying for property taxes around the US?

2800 sq/ft inland on Florida's west coast. Real brick two-story. $1680.75. Assessed value $125,530. Next door neighbor just sold for $350,000 w/pool. Our home worth $275,000 - $300,000, conservative estimate. No plans to sell. We have property tax cap similar to Proposition 13 in California. We have...
by Broken Man 1999
Sun Dec 02, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 154
Views: 16583

Re: Best values at Costco? Honestly, a little disappointed...

Does Costco still sell those large bags of frozen appetizer-size meatballs? They were my favorite product fifteen years ago. These, perhaps? https://www.costco.com/Kirkland-Signature-Meatballs,-Italian-Style-Beef,-Cooked-6-lbs.product.100410832.html DW and I are hitting Costco tomorrow to buy stuff...
by Broken Man 1999
Sun Dec 02, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3382

Re: My kid's retirement

I am all for paying it forward , but IMHO one can be overzealous in the activity. Helping getting a kid launched via education, perhaps a gift AFTER they have closed on their first house, maybe even seeding their first IRA IF they are participating themselves. And, if a kid has legit earnings, good ...
by Broken Man 1999
Sat Dec 01, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 1966

Re: United HealthCare

MIL had United Healthcare thru AARP for a few years before she passed. She had COPD and some other ailments but she received excellent care. She used my doctor when she moved in with us, and our doctor didn't get any push back on his treatment plan for her. A few years prior I had used United Health...
by Broken Man 1999
Sat Dec 01, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6343

Re: Cremation seminar – with complimentary lunch

Don't forget to check at Costco! https://www.costco.com/funeral.html Though my current plan is to be cremated, I was considering a casket made by monks. Truly beautiful in the simplicity. https://trappistcaskets.com/ The idea of burying such a beautiful object just wouldn't compute. So I changed my ...
by Broken Man 1999
Sat Dec 01, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2067

Re: Do I need to pay for a clean title to sell my car privately?

Put yourself in the position of a prospective buyer. Would you purchase a car without a clean title? If I were a prospective buyer, at the very least I would want to accompany you to the DMV to obtain a clean title before purchase. Here is a thought. Take your car to CarMax and see if they would mak...
by Broken Man 1999
Fri Nov 30, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: 2 Fund Ports: Everything You NEED?
Replies: 32
Views: 3790

Re: 2 Fund Ports: Everything You NEED?

Probably fine, any of the three options presented. However, I prefer US Treasury offerings over Total Bond Market. I do have some Total Bond Market, but I will be have been slowly exiting that position. I consider my bond holding as the moat around my casa, therefore I want higher quality bond funds...
by Broken Man 1999
Fri Nov 30, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Buying with no interest
Replies: 22
Views: 2020

Re: Buying with no interest

I pay for purchases differently at different times. 1, I sometimes pay cash, usually someplace that doesn't accept credit cards, or imposes a fee for using a credit card, or I'm dealing with a small business and I don't want to add to their expenses. 2. I sometimes use a 2% rebate credit card. 3. I ...
by Broken Man 1999
Fri Nov 30, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: just retired. need to figure out a fixed income strategy.
Replies: 14
Views: 2641

Re: just retired. need to figure out a fixed income strategy.

I wonder why the use the iBonds moniker. I was thinking the same thing. Wish the federal government would pursue trademark like protection or something. In a thread talking about TIPs and inflation protection, repeatedly using the moniker i-bonds for something other than actual i-bonds was very con...
by Broken Man 1999
Fri Nov 30, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6206

Re: Broken Sewer pipe - $10-20k to fix

Wow! That is fantastic news.

I would suggest you do a video inspection now, then you can have confidence you won't be facing any additional problems.

Sounds like you have found a new plumber!

Broken Man 1999
by Broken Man 1999
Thu Nov 29, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 2736

Re: Remodeling - tipping?

Count me in to the thinking tipping isn't appropriate in this situation. However, I am one who regularly gives drinks and food to any contractors doing work for me while they are doing the work. This! Honestly I couldn't imagine tipping an entity that I had paid $100,000. I am in the throes of gett...
by Broken Man 1999
Thu Nov 29, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Please Evaluate New Retirement Plan Options
Replies: 12
Views: 729

Re: Please Evaluate New Retirement Plan Options

I think I would simply throw everything into Target Retirement 2050. Target Retirement 2050 outside your 401k plan also has an ER of .15%, so your 401k offering is great. Hopefully the plan isn't nicking you somewhere else, like onerous fees of some type or another besides your fund ER. With Target ...
by Broken Man 1999
Wed Nov 28, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Hidden Factor ETFs?
Replies: 23
Views: 2632

Re: Vanguard's Hidden Factor ETFs?

Ha!

If the factor ETFs info had been prominently displayed, I'm pretty sure there would have be at least one long thread about how awful Vanguard was acting by enticing the stalwart Bogleheads to buy the dangerous investments. :D

Broken Man 1999
by Broken Man 1999
Wed Nov 28, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Adjust for projected bear market?
Replies: 18
Views: 1943

Re: Adjust for projected bear market?

Why do you have a "guy" if you are 100% total stock market? Yeah. Having a guy for a holding like Total Stock Market seems a waste of money. Does he have you in some Total Stock Market fund that also has front-end loads? That would really be bad. What type expenses are you getting for your very bas...
by Broken Man 1999
Wed Nov 28, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6583

Re: Restaurant Budget

$700/month seems a lot to me, but honestly DW and I spend much more than I like, as well. We are in the $300-$400/month range in Florida. DW is a good cook. However, except for grilling out she really avoids it like the plague. Our daughters always kid her about finding the range cord in the oven. I...
by Broken Man 1999
Wed Nov 28, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: EBT/ACH Fund movement quicker?
Replies: 0
Views: 126

EBT/ACH Fund movement quicker?

Not sure if my experience is a fluke, or perhaps as a result of Vanguard's recent IT activity. For our living expenses I periodically sell Vanguard Federal Money Market fund, and send it to our credit union. For the last many times I initiated the transfer the processing time took transaction date +...
by Broken Man 1999
Wed Nov 28, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8673

Re: How did YOU choose your career?

I was nearing the end of a technical school program and MegaCorp came recruiting. Another student already worked for MegaCorp, and filled me in on the company. So, given the immediate large bump in earnings, and interesting work, I signed on. While at MegaCorp I completed an undergraduate degree and...
by Broken Man 1999
Tue Nov 27, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3429

Re: How do value the cost of commuting?

I have to believe there would be a crowd of folks lining up to have your job if you left. It sounds like a very sweet gig to me. When our little ones were around, I was working full time and going to college during the day. I missed out on so many things, but I didn't have the opportunity to work fr...
by Broken Man 1999
Mon Nov 26, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 51
Views: 7953

Re: New Jack Bogle Book!

Amazon has Mr Bogle's latest book at $22.45. I pre-ordered on August 27 for $34.95. However, my final cost will be the lowest it has sold for at Amazon thru end of day released. Price reduction is automatic. Broken Man 1999 If you pay $22.45, you are overpaying. Check out the last dozen or so posts...
by Broken Man 1999
Mon Nov 26, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1736

Re: LastPass Questions

The LastPass free version can easily be shared. One could set up folders to group the individual logins so a user could go immediately to their particular sites. I have used LastPass free version for years, and I am trying to get DW to use it as well. Just recently her Sam's credit card was was hack...
by Broken Man 1999
Mon Nov 26, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Why should annuities NOT be held in tax-deferred accounts?
Replies: 23
Views: 1752

Re: Why should annuities NOT be held in tax-deferred accounts?

Actually there is one type annuity that is specific to TIRAs. A QLAC allows a person to defer some of their RMDs until age 85, I believe. The amount one is able to purchase is currently $130,000 max or 25% on IRA total Here is a link to Stan the Annuity Man's website. I have ordered lots of his free...
by Broken Man 1999
Mon Nov 26, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4786

Re: Robot Vacuum Cleaner?

Anyone have any experience with Samsung's robot vacuum cleaner? As part of a Samsung rebate for purchasing new kitchen appliances we will be getting a free POWERbot from Samsung valued (by Samsung) at $499. We also have a 10% rebate on entire purchase, so the cleaner is just fluff, certainly wouldn'...
by Broken Man 1999
Mon Nov 26, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: New Jack Bogle Book!
Replies: 51
Views: 7953

Re: New Jack Bogle Book!

Amazon has Mr Bogle's latest book at $22.45.

I pre-ordered on August 27 for $34.95. However, my final cost will be the lowest it has sold for at Amazon thru end of day released. Price reduction is automatic.

Broken Man 1999
by Broken Man 1999
Sun Nov 25, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Aging Parent's deteriorating home
Replies: 30
Views: 3838

Re: Aging Parent's deteriorating home

It happens. I once visited my Dad''s home, and opened the door to my old room. I noticed a water stain on the ceiling. Obviously the roof was leaking. I asked Dad how long the roof had been leaking and he said he didn't know, as the room door was always closed. Not sure I bought that explanation. A ...
by Broken Man 1999
Sun Nov 25, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5440

Re: New TV Recommendations Please?

Samsung :happy Samsung or LG. We have two LGs, two Samsungs, and a TCL. The last Sony I owned was the last Sony I will buy. Very disappointed. I bought our 65" Samsung at Costco. Great deal. The TV came with a one year warranty. Costco doubled it, as usual. Then gave me two more years because I use...
by Broken Man 1999
Sat Nov 24, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 177
Views: 23798

Re: IRS publishes draft 2018 1040 - Huge changes made

This year's tax return will be very simple. I'll just figure it out and print the forms and be done with it. Having only one investment company that will generate 1099s makes it very easy. No way we can itemize. No need for state return. And, all income is via distributions from our IRAs and Social ...
by Broken Man 1999
Wed Nov 21, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 50
Views: 4224

Re: What financial advice have you been most grateful for?

My father advised me to "do business with your head, not your heart." IOW don't let sentiment rule. I remember his advice when a poster mentions wanting to keep property in the family even though doing so can work against their finances. Sentiment can have a very high cost. Same caution for folks wh...
by Broken Man 1999
Tue Nov 20, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 3801

Re: LastPass vs BitWarden

Another happy user of LastPass. If LastPass can retrieve your password, it is news to me. I had to rebuild a complete database when I lost my very long password. :oops: I am using the free version of LastPass, perhaps the paid version offers the recapture of your lost/forgotten master password. FWIW...
by Broken Man 1999
Tue Nov 20, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8229

Re: Current Retirees: Do you touch your principal?

If you don't (or do not plan to) spend the principal ever, why bother to have saved so much in the first place? Despite my careful planning, life has ignored pretty much everything I have done in planning for our retirement. In our specific case, Mr. Market has inflated our portfolio immensely (tho...
by Broken Man 1999
Mon Nov 19, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5873

Re: The psychology of withdrawing from your portfolio

We spend years saving and investing. This is counter to the thought of withdrawing a % from your portfolio when one retires. For those that have been retired, was it difficult mentally to start withdrawing from your portfolio ? Yes. But, for the first few years portfolio gains were larger than the ...
by Broken Man 1999
Mon Nov 19, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17156

Re: Vanguard lowering Admiral level to $3,000?

Welcome change. We have already converted all equity MFs to ETFs, as some of wife's funds didn't qualify for Admiral shares. All the bond funds for both of us qualified for Admiral shares, so no effect on us. I suppose I saved a bit for a few months using ETFs before this change, but I still prefer ...
by Broken Man 1999
Mon Nov 19, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Best way to deal with a smallish cash flow issue for a few months
Replies: 9
Views: 645

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

I would use a balance transfer card myself. I have done it a few times when I didn't want to withdraw more money from investments that would push us into a higher tax rate, or I wanted the ability to push something into the next tax year. None of those activities cost 5% fee, though I suppose intere...
by Broken Man 1999
Sun Nov 18, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6343

Re: Cremation seminar – with complimentary lunch

To Taylor and others donating or considering donating their bodies to science, a sincere thank you. Im sure many docs on this board share the same vivid memories of the anatomy lab with me. We had a ceremony to honor those who gave their bodies for our education. The bodies were treated with respec...
by Broken Man 1999
Sat Nov 17, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Zero Financial
Replies: 5
Views: 916

Re: Zero Financial

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

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

Broken Man 1999