Search found 268 matches

by Rudedog
Fri Sep 27, 2019 6:05 am
Forum: Investing - Theory, News & General
Topic: "The Simple Magic of Investing in a Three-Fund Portfolio"
Replies: 22
Views: 4250

Re: "The Simple Magic of Investing in a Three-Fund Portfolio"

Taylor, I carefully read anything you post on here ! Thanks!
by Rudedog
Thu Sep 26, 2019 7:42 pm
Forum: Personal Investments
Topic: MassMutual
Replies: 8
Views: 802

Re: MassMutual

The company I worked for had some really poor funds available, it was through Mass Mutual. I took rollover as soon as I turned 60 and moved my money to Vanguard.
by Rudedog
Thu Sep 26, 2019 7:36 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 10557

Re: Retirees - do you hold extra cash for a bear market?

One year of cash in Vanguard Prime MM. CD ladder with maturing CDs, each year, the following five years. I don't want to sell equities during a bear market.
by Rudedog
Sat Sep 21, 2019 9:44 am
Forum: Personal Investments
Topic: Anyone here has more 200k in a single stock ?
Replies: 58
Views: 9613

Re: Anyone here has more 200k in a single stock ?

Microsoft is kicking butt and increasing dividends. Current CEO has revised the business, now its one of the heavyweights in cloud computing. You may want to consider selling some and locking in the gains, but, it wouldn't be unreasonable to hold it. Personally, I would never hold over 5% in one sto...
by Rudedog
Wed Sep 18, 2019 7:56 pm
Forum: Personal Investments
Topic: Investing in an apt complex through a real estate equity firm
Replies: 40
Views: 2778

Re: Investing in an apt complex through a real estate equity firm

You don't want to lock up your capital like this. Tell him no thanks and walk.
by Rudedog
Tue Sep 17, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 5130

Re: Seasoned retirees...

Spend plenty of time with family, kids and grandkids. Also, a dog keeps you healthy and on your toes.
by Rudedog
Thu Sep 12, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 5213

Re: Best Dog Car?

I haul my dog in my 1989 Camry. Every day. He can get mud all over it, slobber everywhere, shed, I don't care. We call it "The dog car". He's 13 1/2 years old, when he passes I guess we'll get rid of it.
by Rudedog
Thu Sep 12, 2019 6:19 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks in a Extremely low interest rate environment
Replies: 22
Views: 3642

Re: Dividend stocks in a Extremely low interest rate environment

I hold about 12 dividend paying stocks, my annual return is about 4.5%, I view that as better than a CD.
by Rudedog
Tue Sep 10, 2019 4:06 pm
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1655

Re: Tool to manage AA when investing?

I use Morningstar Portfolio X-ray, and X-ray interpreter.
by Rudedog
Mon Sep 09, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 3390

Re: no idea - bourbon

My wife uses Jim Beam for several dishes, and makes a frozen slushy drink with it, great !
by Rudedog
Mon Sep 09, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5810

Re: Retirees: Ever feel really lazy?

I try to do at least one thing per day, such as mow the grass, clean a bathroom, go to the grocery store, etc. The rest of the day I do what I feel like, play with grandson, walk the dog, drink a beer and watch baseball...............
by Rudedog
Tue Sep 03, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 5336

Re: Need to get a car in a hurry.

I had a Camry with leaking gas tank. Mechanic used some type of resin, on the outside of the tank, to plug the leak. That was several years ago, it hasn't leaked yet. He said, "Let's try this and see if it works." It worked. I still drive that car.
by Rudedog
Tue Sep 03, 2019 3:54 pm
Forum: Personal Investments
Topic: Mer. Lynch Buddy ... Bonds in Tax Account ... Stocks Only
Replies: 24
Views: 1823

Re: Mer. Lynch Buddy ... Bonds in Tax Account ... Stocks Only

Don't do business with friends, it will not end well. You'll get tired of paying for his vacations, children's college educations, new car every year, etc, etc.
by Rudedog
Mon Sep 02, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback issue
Replies: 38
Views: 4213

Re: Subaru Outback issue

Get a Toyota, man. I've owned several, great cars.
by Rudedog
Mon Sep 02, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 16199

Re: Best of Bogleheads - your #1 takeaway

Costs matter, keep costs low. Stay the course. Don't pay attention to the media and talking heads. If anyone says annuity, run the other way.
by Rudedog
Mon Sep 02, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig in Today's WSJ Discusses Target Retirement Funds
Replies: 56
Views: 9208

Re: Jason Zweig in Today's WSJ Discusses Target Retirement Funds

I don't use Target Date Retirement Funds, they are too conservative for me. However, a friend of ours swears by them, and I've talked to financial "advisors" who claim that they have many clients who use them.
by Rudedog
Mon Sep 02, 2019 9:17 am
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 13037

Re: Learnings/Regrets from last two recessions

Did nothing special, stuck to my plan, kept investing, I feel it worked out well. So, when the talking heads scream "recession", I don't pay much attention now.
by Rudedog
Fri Aug 30, 2019 3:39 pm
Forum: Personal Investments
Topic: Lump Sum vs Annuity
Replies: 15
Views: 893

Re: Lump Sum vs Annuity

Assuming 30 year payout, I get about 1 1/2 percent. So, you have to ask your self what are the odds I live more than 30 years ? If you think 30 years is about right, I'd take the lump sum. If you and your wife don't make 30 years, your beneficiaries will inherit whatever amount is left. Remember, in...
by Rudedog
Fri Aug 30, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Negotiating on this Specific Truck
Replies: 20
Views: 2360

Re: Negotiating on this Specific Truck

I generally include the sales tax and fees in my offer, such as" $ 35,000 out the door". Then I resist all their accessory and extended warranty offers, and write the check for $ 35,000. I buy Weathertech mats. Don't be afraid to walk, there are plenty of trucks for sale. What does one of these sell...
by Rudedog
Fri Aug 30, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3780

Re: Laser or inkjet

HP laserjet P2015, I generally print about 10 black & white sheets a day. One cartridge lasts a long time. Fast, quiet, reliable.
by Rudedog
Fri Aug 30, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Lawn Tractor Recommendations?
Replies: 26
Views: 2089

Re: Lawn Tractor Recommendations?

I believe the John Deere 100 series were the cheaper tractor, mostly sold at Lowe's and Home Depot. That being said, my neighbor has one that has to be 17 or 18 years old. John Deere makes good lawn tractors. I have a 17 year old John Deere, LT 160, still going strong, bought at a John Deere dealer....
by Rudedog
Thu Aug 29, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2922

Re: Maui Honeymoon Daily Spending Budget

Where do you visitors stay on Maui ? Hotels ? Condos ?
by Rudedog
Wed Aug 21, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12318

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Tonight Dough, my favorite, but very expensive.
by Rudedog
Mon Aug 19, 2019 9:10 am
Forum: Personal Investments
Topic: newish investor driving myself crazy picking a bond fund...
Replies: 14
Views: 1500

Re: newish investor driving myself crazy picking a bond fund...

I use VBILX, I recommend you stay with it.
by Rudedog
Sun Aug 18, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage final payment
Replies: 31
Views: 4086

Re: Mortgage final payment

Congrats !!!! Be sure to get that release of lien from the County that Watty referred to, keep a copy with the payoff letter from the bank. Around here the County has a fee for an "official copy" but I gladly paid it as I wanted a copy of the release.
by Rudedog
Sat Aug 17, 2019 7:43 am
Forum: Personal Investments
Topic: Plan for my mom
Replies: 30
Views: 2596

Re: Plan for my mom

Good for you for being willing to help her, many children would not, speaking from experience with my Mom and my sister.
by Rudedog
Fri Aug 16, 2019 5:20 am
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4436

Re: Headache buying new minivan

Sienna is the vehicle of choice, our 2007 Sienna is still running great, but you won't go wrong with either one.
by Rudedog
Fri Aug 16, 2019 5:07 am
Forum: Personal Investments
Topic: Social Security Widow(er) Benefit Question
Replies: 6
Views: 1089

Re: Social Security Widow(er) Benefit Question

Friend of my wife just went through this. Her husband was 3 years younger than her. At her full retirement age, she received his social security benefit, in this case the max. She had claimed her benefit when she turned age 62, so she received the lower benefit until she was full retirement age.
by Rudedog
Wed Aug 14, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 6446

Re: "Negotiating" Salary

My daughter was offered $ 32,000 to work for University of Wisconsin, lab work. She was able to negotiate it up to $ 45,000. Employer had a salary range and offered her the bottom amount. By the way, she lasted one year in that job, moved, and negotiated a $ 10,000 raise. That means a lot for a pers...
by Rudedog
Wed Aug 14, 2019 9:55 am
Forum: Personal Investments
Topic: Tell me about TD Ameritrade
Replies: 21
Views: 2358

Re: Tell me about TD Ameritrade

I've used TD for several years, came over from Scottrade merger. They do have two-factor authentication, I use it every time I sign on. I have no complaints. I have about a dozen individual stocks in my account, dividend payers, I may trade five times a year, no issues.
by Rudedog
Mon Aug 12, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 18963

Re: [Vanguard price glitches, incorrect market info for August 12, 2019]

Have a drink. Check it in the morning.........
by Rudedog
Thu Aug 08, 2019 1:27 pm
Forum: Personal Investments
Topic: Just Inherited First Financial Bankshares
Replies: 6
Views: 542

Re: Just Inherited First Financial Bankshares

Does the bank pay dividends ? What is the per share value of the stock ?
by Rudedog
Tue Aug 06, 2019 5:05 pm
Forum: Personal Investments
Topic: Divorce: itemizing and TLH
Replies: 7
Views: 849

Re: Divorce: itemizing and TLH

The spouse who owned the account with the tax loss carryforward would keep those losses. That should be stated in the divorce settlement agreement. Regarding the mortgage interest deduction, the IRS would probably trace the deduction back to the person or persons who made the payments, and the perso...
by Rudedog
Mon Aug 05, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"
Replies: 54
Views: 8090

Re: Clements, HumbleDollar, viewing Vanguard with unease: "Whither Vanguard?"

on my advice, my daughter recently set up a Vanguard rollovere IRA account, a Vanguard 401K account and a Vanguard 403B account for a different employer. She said the Vanguard rep who she talked to on the phone was very nice and very helpful, and she had the accounts set up with no problem.
by Rudedog
Fri Aug 02, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: my toyota camry transmission life time garantee test
Replies: 14
Views: 1693

Re: my toyota camry transmission life time garantee test

I drive a 1989 Toyota Camry every day. Its a great car !!!
by Rudedog
Mon Jul 29, 2019 10:10 am
Forum: Personal Investments
Topic: Advice on taking a draw from Vanguard accounts
Replies: 8
Views: 1172

Re: Advice on taking a draw from Vanguard accounts

Agree, just get a good idea of the income tax you will have to pay.
by Rudedog
Mon Jul 29, 2019 10:07 am
Forum: Personal Investments
Topic: Child Care Flex Spending Accout
Replies: 12
Views: 742

Re: Child Care Flex Spending Accout

My daughter's employer (big company) has January 1 entry date for their flex spending plan, so, she can not participate for 2019 since she had the baby in March. Check with HR about plan entry date. Effective January 1, 2020,she can put up to $ 2,600 into the plan for 2020. I think that is about one...
by Rudedog
Sat Jul 27, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 7204

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

Get a dog. My terrier mix weighs 50lbs, has a loud bark and hates strangers. Local policeman told me, if a criminal hears that bark, he'll move on to an easier house. I don't mind when he barks, that's his job.
by Rudedog
Fri Jul 26, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5518

Re: Accord approaching 100k miles, how to push it beyond

1989 Camry--I drive it every day. Car is 30 years old. I perform maintenance as recommended in manual and by dealer. Getting hard to find parts. Paid $ 3,000 for that car in 2002. I'd say I've gotten my money's worth out of it.
by Rudedog
Sun Jul 21, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3569

Re: Cruise advice?

Have a great cruise.
by Rudedog
Sun Jul 14, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 3802

Re: Should I Buy a Motorcycle?

I have a Harley, riding it really is dangerous. I always wear a helmet and I don't ride at night and I try to stay off the highways. The only time you can relax a little is on a country road with no other traffic. Don't buy a new bike, plenty of good used ones out there. Don't even think about takin...
by Rudedog
Sun Jul 14, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 3466

Re: Standard Car Key Battery Life for Late Model Vehicles

They told me at the dealership that for the newer cars, the key fob is constantly transmitting to the car, so they batteries generally last two years or so. My Harley motorcycle is the same way. They are easy to change.
by Rudedog
Sat Jul 13, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 169
Views: 12989

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Just retired from accounting career, I was a CPA for over 40 years, also passed CMA exam. Most firms start accountants with masters degree at $ 55,000 to $ 60,000, plus some over time "bonus". I worked in public accounting, the hours January 1 to April 15 can run from 60 hours per week to 75 or 80 p...
by Rudedog
Thu Jul 11, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 70
Views: 10203

Re: Survived the First Week [of retirement, what's next?]

If you want to be a contractor, do it ! I still work part-time, maybe 150 to 200 hours per year. I make a little cash and stay busy. Word of warning, the retirees with substantial pensions can't believe anyone would do that.
by Rudedog
Thu Jul 11, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Question
Replies: 14
Views: 1978

Re: Estate Question

For my Mother's estate two years ago, the Estate stayed open for about a year. During that time we paid all the bills from the estate, also filed her final individual income tax returns and paid income tax due. After a year, when we had paid all bills received, and we knew of no other expenses, the ...
by Rudedog
Tue Jul 09, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 11739

Re: Who cuts your hair? And for how much?

Local barber I've gone to for 35 years. $ 15, I give him a $ 20. He is retiring at the end of this year, after that I may just shave my head, not much hair left on top.
by Rudedog
Tue Jul 09, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 13460

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

You see people in this situation in nursing homes, generally an adult grandchild, niece or nephew helps with these matters. Believe it or not, I have seen former neighbors or younger friends look out for the elderly also. In a few cases, a CPA or attorney they had worked with for years does it.