Search found 2753 matches

by rgs92
Sun Jul 05, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 50
Views: 4669

Re: Device for men's haircuts

I asked up above in the thread about using my regular beard trimmer to neaten things up. So I tried it (my Norelco) and just plowed through all the overgrown stuff covering my ears and some that was falling into my eyes on my forehead and my temples. And this basically succeeded for me. It's a littl...
by rgs92
Sun Jul 05, 2020 6:44 am
Forum: Personal Investments
Topic: Vanguard Target Retirement Fund Vs. 3 fund portfolio
Replies: 44
Views: 4332

Re: Vanguard Target Retirement Fund Vs. 3 fund portfolio

VBIAX, Vanguard Balanced Index (admiral), is 60/40 stocks/bonds, all US, and charges 7 basis points a year (.07 %) , half of what the target or life-strategy funds charge (13 to 14 basis points, depending on the target date year for the target funds).
by rgs92
Tue Jun 30, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 50
Views: 4669

Re: Device for men's haircuts

Can you use your beard trimmer (like a typical Norelco) for your hair?
by rgs92
Thu Jun 25, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: How to locate safe, clean gas stations while traveling
Replies: 38
Views: 2155

Re: How to locate safe, clean gas stations while traveling

I think the question may be about safety in terms of COVID-19 concerns. I use masks and rubber gloves when using gas stations for refueling and the same for any public restrooms. I do avoid using gas station restrooms at all these days, but I guess I would if I took these precautions. (As far as cri...
by rgs92
Wed Jun 24, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 71
Views: 5130

Re: Turning 65, Medicaire questions

It's interesting that Medigap premiums are payable from an HRA, but not an HSA.
Edit:
(OK, I see this is somewhat wrong, since an HRA does a reimbursement path, but effectively it's the same thing.)
by rgs92
Wed Jun 24, 2020 9:43 pm
Forum: Investing - Theory, News & General
Topic: 4% Rule and annuities
Replies: 35
Views: 2666

Re: 4% Rule and annuities

A good easy way to model the usefulness of a fixed annuity is to use Firecalc/CFireSim. Just plug the yearly distribution amounts of any SPIAs into the list of pension stream inputs (as non-inflation-adjusted streams) along with all your other inputs and you will see the results. Change the inputs a...
by rgs92
Wed Jun 24, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Buying "fixed income immediate annuity". How do I compare them?
Replies: 49
Views: 2310

Re: Buying "fixed income immediate annuity". How do I compare them?

The total bond market fund carries a significant amount of risk for the long term (and even the intermediate term) with these historically low interest levels rate levels (the 10-year treasury at .7%). If you are extremely risk averse, be aware you are taking on interest rate risk where your investm...
by rgs92
Wed Jun 24, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 6059

Re: New 4K TV: LED, QLED or OLED?

I would just get a regular LED TV from Sony (my personal favorite for screen quality and natural color), or Samsung or LG. Just my opinion, but LED is such fine quality (especially if you grew up with tube TVs) that it is more than good enough. But for sound, get a decent amp or receiver and a good ...
by rgs92
Wed Jun 24, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5207

Re: Restaurants recommendations

For chain's that aren't as widely known but are worth mentioning, I like P.F. Chang's. The street noodles and the salt and pepper prawns are a couple of my favorites (and I liked the spicy chicken noodle soup they used to have), plus they have many of the regular items that most Chinese restaurants...
by rgs92
Mon Jun 22, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Visa
Replies: 55
Views: 4750

Re: Verizon Visa

The Verizon branded credit card only gives you 2% back on Verizon purchases? That does not sound too good. Any 2% cash back card would give you that.
by rgs92
Sun Jun 21, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: To DRIP or not to DRIP?
Replies: 13
Views: 1844

Re: To DRIP or not to DRIP?

DRIPs were popular when stock commissions were high long ago, and DRIPS allowed you to buy stocks for free. Now it doesn't matter and DRIPs have fallen out of favor and you don't hear about them much anymore (at least that's my impression).
by rgs92
Tue Jun 16, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 368
Views: 47003

Re: Don't pay full price for SiriusXM radio

Just wanted to add thanks for the info here.
by rgs92
Tue Jun 16, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: New Moving Boxes
Replies: 32
Views: 1562

Re: New Moving Boxes

Amazon is the best for this. And for Bubble wrap, tape and supplies. I like the Amazon square boxes (like 16 inch cubed, or 18 inch cubed). They are very high quality and easy to set up and a good value. There are some places that make custom size (and custom thickness) boxes but they are expensive,...
by rgs92
Tue Jun 16, 2020 1:29 pm
Forum: Personal Investments
Topic: VTSAX vs BRK.B
Replies: 20
Views: 2822

Re: VTSAX vs BRK.B

How about buying VTI or ITOT (both total stock market ETFs) and taking advantage of the favorable tax treatment on the dividends generated? (The rate is 15% up until $434,550 in annual income if you are single and $488,850/year if married.) It's the same rate for long term capital gains, so why both...
by rgs92
Tue Jun 16, 2020 1:25 pm
Forum: Personal Investments
Topic: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard
Replies: 15
Views: 1493

Re: Transferring Fidelity Total Market Index Fund (FSKAX) from Fidelity to Vanguard

I would just sell it in Fidelity, transfer the funds to my checking account, and then buy the Vanguard Total Stock Market fund.
by rgs92
Thu Jun 11, 2020 11:28 pm
Forum: Investing - Theory, News & General
Topic: Why are these 2 intermediate grade bond funds so different?
Replies: 9
Views: 848

Re: Why are these 2 intermediate grade bond funds so different?

The composition and specs of the 2 funds seem to be different. The funds have different holdings and characteristics. For instance, Yahoo Finance says VCIT has a current yield today of 3.22%, while VFIDX's yield is 2.84%. And it looks like 5% of VFIDX is gov't bonds. VCIT seems to be purely made up ...
by rgs92
Thu Jun 11, 2020 11:00 pm
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3109

Re: 2 cars, one driver. Should I sell one?

I like having an extra car so there is always a spare car and it's also a good idea to keep a car outside so the house looks like someone is home for security reasons.
by rgs92
Thu Jun 11, 2020 12:56 pm
Forum: Investing - Theory, News & General
Topic: Market Bubble
Replies: 39
Views: 2298

Re: Market Bubble

The S&P has doubled over 20 years, and dividends have been low, around 2%. That doesn't sound like bubble territory. Now granted that was starting from the 2000 peak, but it's like you got very little from the incredible increases from the revolution in technology, communications, and productivity i...
by rgs92
Tue Jun 09, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford 600k house?
Replies: 95
Views: 9027

Re: Can we afford 600k house?

Yes, thanks, that's exactly all true about mortgage servicers and also about individual situations. I mean, if you live in a HCOL area with a $100K income and have, say, medical premiums to pay or maybe high commuting expenses, I personally would be worried about even a $500 a month housing payment....
by rgs92
Tue Jun 09, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford 600k house?
Replies: 95
Views: 9027

Re: Can we afford 600k house?

I still take rules of thumb with a grain of salt; it comes down to your budget. In fact, if your budget contains very high expenses, you may not be able to afford much of a house payment at all, no matter how low the percentage of gross or net income is. OTOH, if you are a extremely frugal and have ...
by rgs92
Wed Jun 03, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: Question about TBM
Replies: 20
Views: 1486

Re: Question about TBM

So would it make sense to move some part of a total bond market fund to a TIPS fund (regular or short-term versions) in a tax-sheltered account?
by rgs92
Fri May 29, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy a scale to ship stuff?
Replies: 16
Views: 1098

Re: Do I need to buy a scale to ship stuff?

When I shipped a box and wanted to just print out my own label, I would hold it and stand on the bathroom scale, then subtract my weight standing on the scale not holding it. It was only an approximation (it was a digital bathroom scale), but it was close enough and I never had a problem (with UPS o...
by rgs92
Fri May 29, 2020 12:59 pm
Forum: Personal Investments
Topic: Buying Voo - Robinhood or Vanguard?
Replies: 41
Views: 2004

Re: Buying Voo - Robinhood or Vanguard?

I don't understand the need to buy fractional shares of an ETF since you can always put any amount into an index fund at Fidelity/Vanguard/Schwab or similar. It only seems useful if you wanted to buy individual stocks (or narrow-focused ETFs), and that's not the question here (and not advised here a...
by rgs92
Fri May 29, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 2376

Re: Is Capital One 360 bank account OK?

CIT bank is another alternative. That's CIT, not Citi.
by rgs92
Wed May 27, 2020 11:33 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 96
Views: 7005

Re: What will you NOT buy online?

A bed or mattress. I need to see how it feels.
by rgs92
Tue May 26, 2020 1:40 pm
Forum: Personal Investments
Topic: One Fidelity Fund Only - Possible?
Replies: 24
Views: 2712

Re: One Fidelity Fund Only - Possible?

Withing Fidelity, you can put everything into Vanguard Balanced Index (admiral) (VBIAX) for a one time fee of $75. There are never any other fees for withdrawal. You will get continuous rebalancing and a constant 60/40 stock/bond allocation and pure index performance. The expense ratio is as low as ...
by rgs92
Tue May 26, 2020 12:46 pm
Forum: Investing - Theory, News & General
Topic: Inflationary effects pending?
Replies: 40
Views: 3385

Re: Inflationary effects pending?

I always thought inflation was caused by a wage-price spiral (upwards). I just cannot see significantly rising wages in the near future or beyond. There is too much productivity improvement from technology. And labor unions are still fading away fast. And prices of energy and commodities are flat to...
by rgs92
Mon May 25, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 32
Views: 2185

Re: which iPhone?

My iPhone 10 has worked fine for me since I got it 2 years ago, so I think the 11 would be fine also. Best thing about it: it stays cool to the touch all the time. An old LG and Samsung with Android got hot which annoyed me so now I am an Apple convert. The only nit-pick issue I have with the Apple ...
by rgs92
Sat May 23, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 3149

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

I hate to deviate from the norm, but, in my 401Ks, I now substitute a stable value fund for a total bond market fund, thinking that the bond market, by definition, is close to a ceiling (which would be the 10 year Treasury yielding nothing). I suppose the next best thing would be high yield savings ...
by rgs92
Sat May 23, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 7356

Re: Discarding Music CDs

Amazon Music HD is quite good. The audio quality is excellent and they seem to have every recording ever made. I prefer it to Tidal. (There is a cheap entry level subscription with just MP3-level sound, but the HD-level subscription has FLAC quality.) (FLAC files are fully-lossless music files, as o...
by rgs92
Thu May 21, 2020 1:27 am
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 74
Views: 5911

Re: Tea supplier comparison

Stash is good. Not too acidic or tannic.
by rgs92
Tue May 19, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 10913

Re: Where to park cash in Fidelity?

Yep, this seems to be a big deficiency in these days of near-negative interest rates when one may be leery of big positions in bond funds. I wish there was a target or balanced index fund that just used high-yield savings for the fixed income portion. There seems to be no such product. The only way ...
by rgs92
Tue May 19, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 10913

Re: Where to park cash in Fidelity?

OK, thank you, I'll drill down a little deeper into Fidelity. This is why I hold onto my 401Ks instead of rolling them over into Fidelity or even Vanguard, as the Stable Value funds pay a bit more than Ally or similar. I would think there would be an ETF that would function as a high-yield savings a...
by rgs92
Tue May 19, 2020 12:37 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 10913

Re: Where to park cash in Fidelity?

Thank you. I considered ultrashort bond funds/ETFs like ICSH (Ishares ultrashort bond fund) but they are surprisingly volatile, with a dip from 50.50 to 48.56 in March. That's not really acceptable in money market fund as I see it. Am I wrong here? Thank you.
by rgs92
Tue May 19, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 10913

Where to park cash in Fidelity?

Is there any place in Fidelity that would function as a high yield savings account or money market fund? I've been using SPRXX (their Fidelity Money Market fund) but the yield is tiny (.23 % now). It is annoying to have to use Ally or Marcus to place cash savings, so I wonder why Fidelity or other b...
by rgs92
Mon May 18, 2020 2:01 pm
Forum: Personal Investments
Topic: Trading vs. Holding
Replies: 72
Views: 2429

Re: Trading vs. Holding

So, furthermore, I think the OP is just offering way to systematically mitigate the losses that one could suffer when buying a single stock, or make the gains more stable over time. Again, this is if one buys individual stocks, and many people do so. And since many who buy single stocks do end up tr...
by rgs92
Mon May 18, 2020 1:40 pm
Forum: Personal Investments
Topic: Trading vs. Holding
Replies: 72
Views: 2429

Re: Trading vs. Holding

I think, to be fair, the OP is discussing things within the province of buying an individual stock, not the whole market or any broad index. Since a single stock investment is in itself a very volatile situation, the question of whether it is more profitable (or even less volatile) to just hold it l...
by rgs92
Mon May 18, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7678

Re: Does Delaying Social Security Deliver an 8% Return?

Thanks for the analysis randomguy. I will play with Firecalc some more.
by rgs92
Mon May 18, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7678

Re: Does Delaying Social Security Deliver an 8% Return?

I also think a big motivation for taking social security early is it simply makes one nervous seeing a portfolio shrink every month. There is a sleep-at-night benefit from having a decent mountain of funds to use as needs arise, even if it is worthwhile to spend down this money on increased income, ...
by rgs92
Mon May 18, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7678

Re: Does Delaying Social Security Deliver an 8% Return?

What would be the maximum withdrawal rate from a 50/50 stock/bond portfolio one would accept while delaying the start of social security? (Certainly this depends on an individual situation, so let me say that, at least personally, let's assume that, at 70 when social security started, the withdrawal...
by rgs92
Sun May 17, 2020 10:39 am
Forum: Investing - Theory, News & General
Topic: Fidelity significantly below average scenario
Replies: 7
Views: 1133

Re: Fidelity significantly below average scenario

I think the OP may be referring to the Fidelity retirement planning tool (similar to Firecalc or Vanguard's tool).
by rgs92
Wed May 13, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: New Laptop Recommendations
Replies: 49
Views: 3297

Re: New Laptop Recommendations

MSI is very good. Try an MSI GF63 with a 15.6 inch screen. It's on B+H photo at a good price and also on Amazon. It's a bit more expensive than you are looking for, ($700+ new and well-equipped) but MSI makes nice reliable cool/quiet/reliable machines that get very good reviews on the computer forum...
by rgs92
Tue May 12, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: nice 20% insurance premium increase
Replies: 37
Views: 3471

Re: nice 20% insurance premium increase

Yep, GEICO is good. (But I keep hearing about the discount for owning Berkshire stock. GEICO told me last year they don't offer that.)
by rgs92
Sun May 10, 2020 8:26 pm
Forum: Personal Investments
Topic: Why no love for REITs?
Replies: 109
Views: 11452

Re: Why no love for REITs?

I feel owning a large amount of REIT investments is basically a concentration in one sector of the market, which is not a good thing to do.
by rgs92
Sun May 10, 2020 8:13 pm
Forum: Personal Investments
Topic: How to add ballast to a taxable account?
Replies: 26
Views: 2636

Re: How to add ballast to a taxable account?

I would say that with the interest rate on the 10 year treasury below 1%, it's probably OK (or better than OK) just to park your entire fixed income allocation in a high yield savings account at Ally or Marcus or any similar place for the duration, whether in taxable space or not.
by rgs92
Fri May 08, 2020 11:51 pm
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6340

Re: College age kid wrecked his car...

I would buy him a decent safe car for around $20,000 and ask him to pay it off slowly over time when he graduates and gets a job. College is hard enough and he needs this, and the accident was traumatic enough. I would definitely be inclined to just help him out without a second thought. Just use so...
by rgs92
Wed May 06, 2020 7:37 pm
Forum: Forum Issues and Administration
Topic: Forum Slowdown
Replies: 3
Views: 1094

Re: Forum Slowdown

Works fine for me too via PC or Phone.
by rgs92
Sat Apr 25, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: I need financial/general advice
Replies: 47
Views: 3024

Re: I need financial/general advice

You are an excellent writer. You communicate very clearly and succinctly. I actually kind of hung on to every word you wrote. Perhaps you could write some short opinion pieces and submit them to online publications or news services. Maybe pursuing this would provide at least the hope of a useful pat...
by rgs92
Thu Apr 23, 2020 11:01 am
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 8238

Re: All the upside of the S&P with 10% downside protection "Free"?

While I have no interest in buying anything like this, I always thought the attraction of these complex products is that they put a solid floor under your losses in return for a ceiling on gains (and embedded expenses of all types including forfeiture of dividends, but that's the price you pay for a...