Search found 336 matches

by abner kravitz
Mon Nov 12, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring stocks from Computershare?
Replies: 7
Views: 458

Re: Transferring stocks from Computershare?

Was there any fee from computershare for transferring out? I have transferred shares to Fidelity every year for a while now, and have never been charged. You can initiate the transfer on Fidelity's website, it's pretty easy. Just look for "transfer assets" and follow the instructions. They have alw...
by abner kravitz
Mon Nov 12, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2575

Re: How long have you had, or did you have, your HP-12C calculator?

I've had mine since 1985. I also have a mock 12C on my i-phone, which I use much more frequently. It looks and works just like the real thing (at least for the calculations I use) - I think it cost around $10 a few years back.
by abner kravitz
Thu Nov 01, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372107

Re: What are you up YTD? [Year To Date]

I am up .53% for the year. 60/40 with a lot of stable value in the 40.
by abner kravitz
Sun Oct 28, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100188

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

BigFoot48 wrote:
Fri Oct 26, 2018 8:25 am
Bodyguard on Netflix is starting out very good with intense action scenes, although the lead's Scottish accent is a bit hard to understand occasionally.
I would suggest using subtitles. I never watch a British show without them.
by abner kravitz
Wed Oct 10, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 1700

Re: Fidelity Private Client Group: New Advisor

Mine has changed several times, and I've never been notified by the one leaving. I couldn't care less. I might be bothered if I was paying a fee for advice.
by abner kravitz
Mon Oct 08, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Can we safely retire early?
Replies: 18
Views: 3339

Re: Can we safely retire early?

From my seat in the peanut gallery, I think you are a little light to retire in the mid-40s. That's a lot of years, and you would be starting off drawing over 4%. Certainly possible, but not what I would consider "safe". Health care is a huge unknown.
by abner kravitz
Mon Oct 08, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2134

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

NavyIC3 wrote:
Mon Oct 08, 2018 6:25 am
Isn't the 1.8% net of expenses meaning that is the actual yield you would get?
For example, if I have $1000 in a MM yielding 1.8%, I would collect $18 in interest at the end of 1 year. Am I right in my thinking?
I believe so.
by abner kravitz
Tue Oct 02, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: In retirement
Replies: 22
Views: 2394

Re: In retirement

Okay. I have adjusted gross income of 66 grand. As per IRS form 1040 (from 2017) Married (no kids). Wife 69 and I (65) are not yet collecting social security. 11 grand - Taxable Interest (schedule B) 37 grand - Ordinary dividends (of which 12 grand are Qualified dividends) 14 grand - Pension 7 gran...
by abner kravitz
Tue Sep 25, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: How to Get Rid of My Unauthorized “Two Year Contract” With Verizon
Replies: 21
Views: 2568

Re: How to Get Rid of My Unauthorized “Two Year Contract” With Verizon

Small Law Survivor wrote:
Sun Sep 23, 2018 4:24 pm


At this point I’d like to get rid of Verizon altogether (Comcast is an option), but i’m trapped in this ridiculous two year contract.
Kind of like choosing between lethal injection and firing squad...
by abner kravitz
Mon Sep 24, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5763

Re: Ripped off by a locksmith

I used to have an electronic lock with keypad on my vacation home, for hassle-free renter and guest access. I don't have a vacation home anymore, but I got an electronic lock for my regular home. I wouldn't do without one now. Can you recommend one? I have only used the Schlage FE575, but I've been...
by abner kravitz
Mon Sep 24, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5763

Re: Ripped off by a locksmith

I used to have an electronic lock with keypad on my vacation home, for hassle-free renter and guest access. I don't have a vacation home anymore, but I got an electronic lock for my regular home. I wouldn't do without one now. Anyway, if I was quoted $100 to $150, I would assume it was going to be $...
by abner kravitz
Sun Sep 23, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9474

Re: Delaying Social Security Until 70

Our plan is wife claims her smaller benefit at FRA. That way her eventual spousal benefit will not be reduced. I'll claim at 70. Unfortunately we missed the restricted filing options, otherwise our strategy might have been different (and better). We both expect to have more or less average lifetime...
by abner kravitz
Thu Sep 20, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1386

Re: Painting kitchen cabinet

I repainted our cabinets using the Rustoleum Kitchen Cabinet Kit. The result was pretty darn good, but it was a lot of work. It helps a lot if you have a big indoor staging area, like a garage. Total cost was probably about $300, including all new hinges.
by abner kravitz
Tue Sep 18, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100188

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

American Vandal Season 2 on Netflix. It's a spoof of true crime documentaries. It is silly, but I am enjoying it.
by abner kravitz
Tue Sep 18, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Negotiate Washington Post Subscription
Replies: 15
Views: 1710

Re: Negotiate Washington Post Subscription

I don't know if this helps you, but an online subscription is $4 a month if you have Amazon Prime, after 6 free months
by abner kravitz
Sun Sep 16, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1400

Re: Embarking on a large-scale home update

Keep a bathtub. You never know.
by abner kravitz
Thu Sep 13, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Online Secure Storage - FidSafe vs other options
Replies: 5
Views: 465

Re: Online Secure Storage - FidSafe vs other options

I use FidSafe. I find it very easy to use. I store copies of receipts, medical records, etc. I do cross out my SSN if it is on any document (which is rare), so if there is ever a breach it is not a huge deal to me. I assume it is secure, but I am not a tech expert.
by abner kravitz
Tue Sep 11, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4047

Re: How often do you guys get alignment done on your cars?

I have never had one done, outside of any tire installations that included it as part of the deal. You sure? there's a difference between "mount and balance" and an alignment, which usually incurs a hefty extra cost Yes, I'm sure. Some tire and auto shops include an alignment, but you don't get a W...
by abner kravitz
Tue Sep 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4047

Re: How often do you guys get alignment done on your cars?

I have never had one done, outside of any tire installations that included it as part of the deal.
by abner kravitz
Mon Sep 03, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1558

Re: F2 Tornado just slammed our area - Any way to recover expenses?

If your area was declared a Federal Disaster Zone, maybe FEMA would help. I know they spent millions for tree damage in my area after a hurricane. I don't really know the rules or if it would cover your type of loss, but that's the only thing I can think of. I would contact my local government first...
by abner kravitz
Mon Sep 03, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6872

Re: Walmart is not Amazon

I think they have had some growing pains but are getting better. In the past, I have had 4-item orders come in 4 boxes on 4 different days, but that doesn't happen anymore. I always compare with Amazon, because often they are cheaper, and sometimes the price difference is significant. I've never had...
by abner kravitz
Fri Aug 17, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3572

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

My cash management account only has FDIC sweep available as the core position. How do you set up the account using money market? Do you just purchase the fund? How do you get it to auto liquidate when cash is needed? Thanks. Yes, just buy SPRXX (or another Fidelity MMF) and it will be liquidated as...
by abner kravitz
Fri Aug 17, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3572

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

My cash management account only has FDIC sweep available as the core position. How do you set up the account using money market? Do you just purchase the fund? How do you get it to auto liquidate when cash is needed? Thanks. Yes, just buy SPRXX (or another Fidelity MMF) and it will be liquidated as...
by abner kravitz
Sun Aug 12, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3620

Re: Cleaning gas grill

We do a lot of grilling now with a cast iron skillet right on the grill. Cuts way down on cleaning, and steaks and burgers come out great.
by abner kravitz
Thu Aug 09, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100188

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

Watched the first episode of Succession. We weren't sure as it started, and almost turned it off, but couldn't quite do it. That was our feeling through the entire episode. Now we aren't sure we want to bother with Episode 2. But... we aren't sure we *don't* want to watch Episode 2. Oddly torn. RM ...
by abner kravitz
Mon Jul 23, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: AT&T Stock?
Replies: 20
Views: 2736

Re: AT&T Stock?

I own a chunk that I received as compensation, but have been selling it off in pieces. T's debt load is pretty scary. I believe they will not cut the dividend except as an absolute last resort, but I wouldn't look for a lot of capital appreciation here. I also sold some Hasbro last week, and its up ...
by abner kravitz
Wed Jul 18, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3429

Re: suit shoe combo?

Jack FFR1846 wrote:
Wed Jul 18, 2018 1:33 pm
If you don't mind those who might not know you later talking and identifying you as "the clown with the red sneakers", then go for it.
+1
by abner kravitz
Fri Jul 06, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 7755

Re: Fidelity cash position

mattsm wrote:
Fri Jul 06, 2018 2:50 pm
Does Fidelity automatically liquidate this to cover expenses?
I believe they will only automatically liquidate money market funds. That is what the Fidelity rep told me today.
by abner kravitz
Thu Jul 05, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8720

Re: Tipping at non sit down places

I generally throw a buck or two in the jar if there is one, as long as the service is pleasant.
by abner kravitz
Mon Jul 02, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 5226

Re: Do you own just 5% of anything?

About 5% of my portfolio is in "reach for yield" type stuff - BDECs, preferreds, MLPs, REITS, high yield bonds. Probably averages close to 7% yield. I consider them added diversification and the monthly income is helpful for cash flow, but I'm sure they have probably underperformed.
by abner kravitz
Mon Jul 02, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16408

Re: Retirement Destination - are you happy with your choice?

We based on our decision on having come to the area for many years on vacation - the thought being, if that is where you like to spend your precious vacation, why not live there when retired. The climate suited us, and taxes were reasonable. Overall, it's been a good choice for us. The downside is t...
by abner kravitz
Sun Jul 01, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14402

Re: What are your property taxes?

Property taxes for me are a little over .4% of value. Very weird system in South Carolina (or parts of it at least). Second-home and investment property owners pay the school taxes, while full-time residents do not.
by abner kravitz
Sun Jul 01, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3391

Re: States that are investments/tax unfriendly?

That being said. we've looked at States with more favorable taxation and a climate we could possibly tolerate. South Carolina doesn't tax SS either, and is implementing a new break that will take full effect by the year 2020. That law gives a 30k deduction per person over age 65 for any retirement ...
by abner kravitz
Sat Jun 30, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3391

Re: States that are investments/tax unfriendly?

That being said. we've looked at States with more favorable taxation and a climate we could possibly tolerate. South Carolina doesn't tax SS either, and is implementing a new break that will take full effect by the year 2020. That law gives a 30k deduction per person over age 65 for any retirement ...
by abner kravitz
Fri Jun 29, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Using the Total Bond Fund in a rising rate environment
Replies: 72
Views: 9545

Re: Using the Total Bond Fund in a rising rate environment

Seems like an inappropriate response to me - the investment opinions of an individual should really not determine plan choices. Interest rates are probably going to go up, but who knows. There are other reasons to hold a low cost bond fund besides the direction of interest rates.
by abner kravitz
Fri Jun 29, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: YOUR rate of return
Replies: 15
Views: 2114

Re: YOUR rate of return

7% at 60/40 (one year)
by abner kravitz
Fri Jun 29, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 2151

Re: Anyone use T-mobile cell network?

I tried T-Mobile for the attractive price, but it didn't work as well as AT&T for me.
by abner kravitz
Thu Jun 28, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4413

Re: Any Reason to Keep My "Landline" Phone?

I do a lot of outbound calling on my landline. Its nice to have great reception and no dropping, which isn't always the case with my cellphone. It's included in my cable bundle, so I don't really know how much it costs though. And I keep the ringer off.
by abner kravitz
Thu Jun 28, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 3060

Re: Financial Newspapers & Publications

I got Barron's a few years back with leftover airline miles. The subscription was for one year, but it just keeps coming. I'd be OK if it stopped. Some of the articles are interesting, but 2/3 of the paper is stock and fund quotes.
by abner kravitz
Fri Jun 22, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8932

Re: how to make friends in new location?

have you thought about learning Bridge? Should find people in that age range, and bridge players are extremely interesting/successful/intelligent. It's the best mind sport in the world, and you can find local clubs wherever you go. Also, it's a sport so you can play socially or competitively depend...
by abner kravitz
Thu Jun 21, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35795

Re: What is/ was your career and would you recommend it now?

Corporate Finance at Megacorp. The pay and benefits were very good and the hours were usually reasonable. I also retired the first day I was eligible for retirement benefits, because I didn't like it all that much. Corporate BS can be soul-sucking.
by abner kravitz
Mon Jun 11, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18604

Re: Life in retirement - what did you do today?

I played duplicate bridge today in a STaC game. Scored some silver points. If you are a duplicate bridge player you will understand what all that means. I also played duplicate today with the wife. Last place! I took up the game to try to keep my mind sharp, but it may be having the opposite effect...
by abner kravitz
Thu Jun 07, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Suggested HSA Provider
Replies: 9
Views: 1016

Re: Suggested HSA Provider

jhfenton wrote:
Wed Jun 06, 2018 1:30 pm
I don't believe Fidelity offers HSAs to individuals.
I am pretty sure this is correct.

If you do happen to have your 401K with Fidelity, it is most likely available. It is really good.
by abner kravitz
Sun May 27, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Vacation Rental Question
Replies: 5
Views: 857

Re: Vacation Rental Question

I used to rent my vacation home through VRBO. Many people asked for something off the price, it was very common. I had the listed price, and a floor I wouldn't go below. Can't hurt to ask.
by abner kravitz
Sun May 20, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Help Selling Stock to Diversify
Replies: 9
Views: 588

Re: Help Selling Stock to Diversify

Go for the biggest loss. You can deduct $3K in capital losses each year. Assuming your tax rates are not going to increase in retirement, its better to harvest the losses IMO.
by abner kravitz
Sun May 20, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6915

Re: What’s your phone/internet bill?

Poppy1234 wrote:
Sat May 19, 2018 11:29 pm
Anyone with ATT wireless? How much are you paying?
$75 for 2 lines and 3 GB data. Phones owned outright.
by abner kravitz
Sat May 19, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6915

Re: What’s your phone/internet bill?

$320 for everything. Yikes. $209 for landline/internet/TV - all premium channels and 100MB internet $75 for wireless - 2 lines $24 for Netflix and Hulu $12 for NHL Center Ice Hulu will be gone when the Handmaid's Tale is over. My wife likes that show. I don't know what to do about the rest of the st...
by abner kravitz
Thu May 17, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3771

Re: Hot food flavoring (sauces, spices and peppers)

Chiu chow chili oil is awesome. Probably not good for you though.
by abner kravitz
Mon May 14, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 5665

Re: College laptop for fall 2018 freshman

Both of my college kids and I have the Dell XPS 13. You want something reasonably rugged and small for hauling around in a backpack. A lot of college kids have Macs, but a lot don't. I work at a college and did some talking to students. Checking with the department is smart. We un-Apple wherever po...