Search found 795 matches

by TBillT
Sat Sep 21, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Underground propane tank for fuel for generator for power to house
Replies: 27
Views: 1486

Re: Underground propane tank for fuel for generator for power to house

I also was not aware of the burried propane tank idea. I do not think they put mercaptan smell in the propane grill tanks, do they? Do they put the RSH smell in generator propane? Us Prius owners figure we have a generator as our vehicle...gotta buy an inverter and hook it up to your 12v battery. My...
by TBillT
Sat Sep 21, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone converted paper I-Bonds to electronic?
Replies: 36
Views: 3747

Re: Has anyone converted paper I-Bonds to electronic?

The paper I-bonds are registered to my elderly mother. Does anyone know if these can be redeemed at a bank by myself with power-of-attorney, or does the owner have to be present? This would be rather difficult. Also, I think I heard somewhere on the forum that it's difficult to redeem these at any ...
by TBillT
Wed Sep 18, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8530

Re: Alternatives to Subaru Outback?

For some reason, AWD is very popular in Japan.
So now for example 2019+ Prius has AWD in America, which is easy for Toyota since Prius chassis is built for that AWD option.
by TBillT
Mon Sep 16, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3470

Re: Used Tesla S or new Tesla 3?

As someone noted above the state of residence (HOV in Ca. etc) can make a difference in the choice due to incentives.
by TBillT
Mon Sep 16, 2019 7:59 pm
Forum: Personal Investments
Topic: 401-K versus Social Security
Replies: 26
Views: 2192

Re: 401-K versus Social Security

We went by OpenSocialSecurity.com as suggested....I am deferring but little older than you so I can get spousal in the meantime.
by TBillT
Mon Sep 16, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: The Berkshires or Finger Lakes?
Replies: 15
Views: 1906

Re: The Berkshires or Finger Lakes?

My relatives have a place on Seneca Lake near Watkins Glen many decades. I am always surprised how few boats active on the lake, which I attribute to the properties being held for many years and the current gen is maybe not as active. That's where my folks honeymooned and enjoyed water skiing in a d...
by TBillT
Fri Sep 13, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Overpaying Medicare Part B when first collecting Soc Sec
Replies: 10
Views: 1164

Re: Overpaying Medicare Part B when first collecting Soc Sec

I just got a $400 US Gov check sitting here it was my rebate for Medicare overpayment, just started taking SS restricted in Aug.
Had been expecting a 3-4 months wait for the refund, which is what we experienced in January when my wife started.
by TBillT
Wed Sep 11, 2019 11:47 pm
Forum: Personal Investments
Topic: Bonds tax exempt: Vanguard Interm-Term Tx-Ex Adm VWIUX or Vanguard Long-Term Tax-Exempt adm VWLUX or High yield VWALX
Replies: 23
Views: 1834

Re: Bonds tax exempt: Vanguard Interm-Term Tx-Ex Adm VWIUX or Vanguard Long-Term Tax-Exempt adm VWLUX or High yield VWAL

Many times I tried to establish a High Yield Tax Exempt position only to lqiuidate it due to lack of performance.
I seem to be holding steadier on the Long Term Tax Exempt.
by TBillT
Wed Sep 11, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1812

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

2006 Prius owner here. We live in Northeast and usually the best MPG tires are not the best all-season tires in winter. So I normally go for compromise. Recent years that has been Conti True Contacts, which are going out of production, so not sure next new idea. But I may grab a couple more of those...
by TBillT
Tue Sep 03, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: Selling Bond in Fidelity
Replies: 3
Views: 373

Re: Selling Bond in Fidelity

I've sold quite a few bonds recently. If there is an active market for your bond, you can see the price the buyer is willing to pay you, and the minimum number of shares. If you accept that, normally the sale executes almost instantly or maybe a few ninutes. If you want to ask for better price or ha...
by TBillT
Thu Aug 29, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: At what point would Bonds be considered a bubble or 'speculative asset'?
Replies: 51
Views: 4976

Re: At what point would Bonds be considered a bubble or 'speculative asset'?

Don't forget the Bond Vigilantes...are they dead or just sleeping? I guess these are the hedgefunds that buy up a megaton of bands and then sell them off in one big chunk, and proclaim higher interest rates are coming, and many investors have to lsten to these guys out of self defense...so you get a...
by TBillT
Wed Aug 28, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Can an employee join back as a Consultant?
Replies: 14
Views: 1142

Re: Can an employee join back as a Consultant?

I worked for a major USA co. and got hired back a sole proprietor shortly after retirement. The company policy was that we had to be affiliated with an approved vendor who supplies consultants, so I was working under a consulting firm. There was overhead dollars to the consulting firm, so the I did ...
by TBillT
Tue Aug 27, 2019 2:25 pm
Forum: Personal Investments
Topic: Is buying into a 10 year bond fund today buying at a bond market high
Replies: 20
Views: 1729

Re: Is buying into a 10 year bond fund today buying at a bond market high

Yes high but momentum is your friend.
I go with A. Gary Shilling would have to see what he thinks.
Believe we have hit his 2% on the 30-yr, but if I reacll he said 1% in the 10 years so maybe some room?
by TBillT
Tue Aug 27, 2019 11:53 am
Forum: Personal Investments
Topic: PIMIX, income, cash, interest rates?
Replies: 65
Views: 9117

Re: PIMIX, income, cash, interest rates?

AGG has extraordinary performance this year....best ever...if PIMIX is close we are good. Howver, I made a small shift out of PONAX due to the recent big down days
by TBillT
Sun Aug 18, 2019 3:20 pm
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 249
Views: 23148

Re: Negative Interest Rates in U.S.

I had a chance to hear A. Gary Shilling's first thoughts on Friday, on-line. Basically he is thinking 2% is still the fundamental long bond bottom, but right now we have foreign money coming in making the momentum to lower interest. Shilling is good at following momentum, so he will follow the momen...
by TBillT
Thu Aug 15, 2019 8:13 pm
Forum: Investing - Theory, News & General
Topic: If you think oil prices will drop where would you invest?
Replies: 70
Views: 4062

Re: If you think oil prices will drop where would you invest?

Had a chance to listen to economist A. Gary Shilling today, and he shorting some commmodities (copper) but not oil. The rationale he gives is oil price can be manipulatd by cartels such as OPEC. So when Shilling shorts something, he wants to short a market where fundamentals control, and the price i...
by TBillT
Tue Aug 13, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3765

Re: UPDATE to What to do with a 24" analog CRT TV?

We used 1-800-JUNK to get rid of a 175-lb SONY that was still working fine ...in that case we did not have ability to move.

We might have considered purchse of new TV at BestBuy and they take the old TV...I think maybe we did buy at BestBuy but the new set cost was below BestBuy free removal policy
by TBillT
Mon Aug 12, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming
Replies: 22
Views: 3374

Re: Social Security Claiming

Sounds like we almost exact same ages. We went by OpenSocialSecurity.com Said my wife should start I should take restricted. We applied online. The restricted app took about 7 weeks for apporval, otherwise we have had almost instant (few days) approval for Medicare and wife SS appl. Seems like we ha...
by TBillT
Mon Aug 12, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: SS: Restricted Application Strategy & the WEP
Replies: 7
Views: 842

Re: SS: Restricted Application Strategy & the WEP

we are almost exact same ages and we went with OpenSocialSecurity.com tool. But we did not start taking anything til this year. Per OpenSS, my wife just started taking hers, and I just got approved for restricted app, so I will start getiing 1/2 of her PIA in Sept. Age 70 is my plan to go with full ...
by TBillT
Mon Aug 12, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: What am I missing about HELOCs?
Replies: 31
Views: 3167

Re: What am I missing about HELOCs?

Also I would say HELOC is tax deductible if properly invested, and depending on your itemizing the ineterst could come in handy. A couple states (MD, VA.) have used TCJA as excuse to disallow itemizers unless you are over Fed cap so it can be double whammy to get those deductions up. What do you me...
by TBillT
Mon Aug 12, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing about HELOCs?
Replies: 31
Views: 3167

Re: What am I missing about HELOCs?

Also I would say HELOC is tax deductible if properly invested, and depending on your itemizing the ineterst could come in handy. A couple states (MD, VA.) have used TCJA as excuse to disallow itemizers unless you are over Fed cap so it can be double whammy to get those deductions up.
by TBillT
Mon Aug 12, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: If you think oil prices will drop where would you invest?
Replies: 70
Views: 4062

Re: If you think oil prices will drop where would you invest?

Here we are talking about macro-economic trends, and there I go with investor/economists like A. Gary Shilling. Shilling of course famous for predicting 2% TBond rates for last 40 years. In other words, he is focus on long term generic trends so that the rich people he invests for can at least be r...
by TBillT
Sun Aug 11, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 249
Views: 23148

Re: Negative Interest Rates in U.S.

Sorry to be a broken record, but Gary Shilling is the economist that gets the most credit for predicting lower TBond rates and also he leads on how to invest for that. He was saying 2% lower limit, so now I need new instructions from him, if he is going to go below 2% and how to invest. He nener men...
by TBillT
Sun Aug 11, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: If you think oil prices will drop where would you invest?
Replies: 70
Views: 4062

Re: If you think oil prices will drop where would you invest?

Here we are talking about macro-economic trends, and there I go with investor/economists like A. Gary Shilling. Shilling of course famous for predicting 2% TBond rates for last 40 years. In other words, he is focus on long term generic trends so that the rich people he invests for can at least be ro...
by TBillT
Sat Aug 10, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 3018

Re: Have you started a blog?

I thought about blogging energy/environmental not for profit.
But things are so divisive today...it's not about common sense, its about religion.
by TBillT
Sat Aug 10, 2019 10:55 am
Forum: Investing - Theory, News & General
Topic: The Real Risk In Bond Funds
Replies: 18
Views: 2969

Re: The Real Risk In Bond Funds

The "market timers" risk in the current bond market is if we have a moderate to severe recession, the lower quality corporates could go down. So if short term Treasures were paying highest interest rates, why not obviously do that? But that was an unsual past year, so now TBills are getting more nor...
by TBillT
Fri Aug 09, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 10413

Re: Critique my exercise routine because it's not working for me

I cut out sugar for the most part and maybe my BP meds diuretic helps.
Of course you are building muscle and losing fat so sometimes hard to see.
Perosnally I jog and bike heavily.
by TBillT
Fri Aug 09, 2019 10:31 am
Forum: Personal Investments
Topic: What is the best Vanguard Short-term bond fund
Replies: 13
Views: 1737

Re: What is the best Vanguard Short-term bond fund

Believe we have some VFSTX and it is doing pretty well in this environment.
My bigger holds are VWINX, Long Term Tax Exempt, and Treasury MMF.
by TBillT
Fri Aug 09, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 29387

Re: Social Security -- Take it at 62, 67 or 70

In case the point has not been made, this decision depends somewhat on your and your spouses Ages! Older taxpayers 65+ as of 2_Jan_2019 have some "double dip" spousal SS options that are no longer available to the younger SS recipients. I second (or third) Mike Piper's Open Social Security tool and ...
by TBillT
Thu Aug 08, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: SS - 6 months rearwards option
Replies: 11
Views: 1185

Re: SS - 6 months rearwards option

I think I have now received 2 letters from SSA trying to encourage me to start taking my benefits here at FRA. I feel like they should stop pushing that so hard, but once you reach age 70, I would think you ought to get paid even if late. Hope I do not miss it, which I will not assuming I am still o...
by TBillT
Thu Aug 08, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: 10 year treasury yield
Replies: 34
Views: 2980

Re: 10 year treasury yield

Re: Predictability Actually TBond bull investor/economist Gary Shilling has been calling for 2% on the Long Bond since forever 1980. And we are about there. About 3-4 months ago he started getting back big in 30-yr. I stuck my small toe into TLT 2 weeks ago and was up 10% yesterday, before some pull...
by TBillT
Thu Aug 08, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Pension Plan Lump Sum - Calculation Error By Employer
Replies: 13
Views: 1213

Re: Pension Plan Lump Sum - Calculation Error By Employer

Who was the plan administrator if you can say. Something like Voya?
by TBillT
Thu Aug 08, 2019 7:55 am
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 290
Views: 20981

Re: First 20% of bonds in long-term Treasuries

A couple weeks ago I started a small TLT position and I am up 10%.

Problem is, where do we go from here? TBond king A. Gary Shilling has for 40 years said 2% on the Long Bond, and well here we are at 2.1%
by TBillT
Wed Aug 07, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is "termite-proofing" your house (absent termites) an unnecessary form of insurance?
Replies: 15
Views: 1267

Re: Is "termite-proofing" your house (absent termites) an unnecessary form of insurance?

Termidor is the foundation treatment these days, and very effective if not too effective (on other bugs/bees/etc) so I do not know if the that reduces future needs. I know they say the Termidor tends to be bad for future business, because it is so good. But termites are a problem so you have to be ...
by TBillT
Wed Aug 07, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Plan Lump Sum - Calculation Error By Employer
Replies: 13
Views: 1213

Re: Pension Plan Lump Sum - Calculation Error By Employer

What a pain...perhaps though Fidelity or other institutions are familair with handling such errors. I recall now I had some general issue with the calculations, and the "calc team" was sequestered and no way to communicate with them. I shared my concern with a few colleagues and nobody was supporti...
by TBillT
Wed Aug 07, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: 59.5 years of age. Question about rollover.
Replies: 12
Views: 1208

Re: 59.5 years of age. Question about rollover.

We've rolled ours over now but we were not in a hurry. We held our 401ks for some years after retirement, but we were less interested in managing it like you want to.
by TBillT
Wed Aug 07, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is "termite-proofing" your house (absent termites) an unnecessary form of insurance?
Replies: 15
Views: 1267

Re: Is "termite-proofing" your house (absent termites) an unnecessary form of insurance?

Termidor is the foundation treatment these days, and very effective if not too effective (on other bugs/bees/etc) so I do not know if the that reduces future needs. I know they say the Termidor tends to be bad for future business, because it is so good. But termites are a problem so you have to be c...
by TBillT
Wed Aug 07, 2019 1:48 pm
Forum: Personal Investments
Topic: Do I need bonds?
Replies: 10
Views: 835

Re: Do I need bonds?

Ugh I bought a tiny little bit TLT long bond ETF two weeks ago at $129 it is $142 today I am up ~10%
US Long Bond at 2.1% hard to see future going lower but I dunno.
You want high quality as economic downturn could hurt corporates.
by TBillT
Wed Aug 07, 2019 1:30 pm
Forum: Personal Investments
Topic: New Jersey taxes
Replies: 58
Views: 3618

Re: New Jersey taxes

NJ escapee here. I would think PA is lower income tax too, so to the extent you can work in PA, PA ought to pay off. We were in South Jersey, during the time when lots of PA folks were going to NJ, in part due to the Philly wage tax at the time. But the trend may be the other way now, not sure. With...
by TBillT
Wed Aug 07, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Pension Plan Lump Sum - Calculation Error By Employer
Replies: 13
Views: 1213

Re: Pension Plan Lump Sum - Calculation Error By Employer

What a pain...perhaps though Fidelity or other institutions are familair with handling such errors. I recall now I had some general issue with the calculations, and the "calc team" was sequestered and no way to communicate with them. I shared my concern with a few colleagues and nobody was supportiv...
by TBillT
Sun Aug 04, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Only 33 years work history / Social Security:
Replies: 23
Views: 5450

Re: Only 33 years work history / Social Security:

There are various PIA tools recommended by Mike Piper but I liked the official ANYPIA calculator from the Social Security Admin, where you can hand-enter each year's income to understand how the PIA calculation works. Might require Excel skills. Then you are saying new issue I am also working for a ...
by TBillT
Sun Aug 04, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Individual stocks in Will
Replies: 16
Views: 863

Re: Individual stocks in Will

The problem we had is we still do not have access to the stocks due to 2 years and the estate is still not settled, and the Executor is having to get a court ruling etc. to get access. Meanwhile the stocks are not performing well anymore; for example bunch of bank stocks. We wish everything was sold...
by TBillT
Wed Jul 31, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal benefits and SSA
Replies: 6
Views: 714

Re: Spousal benefits and SSA

I just got approved today!! for restricted spousal, after 10-June online applic date.
For some reason, slower process than our prior experinces.

It is about as expected ...don't forget Medicare Part B $$ comes out
by TBillT
Wed Jul 31, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Gas oven and the smell of gas each time first turned on
Replies: 19
Views: 1053

Re: Gas oven and the smell of gas each time first turned on

If there is any delay from gas hissing to gas igniting, obviously that is nat gas getting into room in small amounts, and the mercaptan is designed to let you know odor at the tiniest of leaks. But I wanna say seems odd to me odd that much gas is getting into room. Though my fireplace does just that...
by TBillT
Tue Jul 30, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: [Niagara Falls in September]
Replies: 12
Views: 609

Re: [Niagara Falls in September]

I wanna say we stayed at the Hilton not sure overlooking full view American Falls, spectacular especially at night with colored lights. We coudl see a piece of Canadian Falls. Second only to our room at Yellowstone lodge adjacent Old Faithful. This year we had a room adjacent The Watchman mtn at the...
by TBillT
Tue Jul 30, 2019 9:45 am
Forum: Personal Investments
Topic: New York City Teachers’ Retirement System TDA - Put it all in the 7% Fixed Return Fund?
Replies: 45
Views: 3944

Re: New York City Teachers’ Retirement System TDA - Put it all in the 7% Fixed Return Fund?

I'd be all in.
That is also a prime example of why sometimes it is better to not rollover, if you have better investment choices in the plan, which these days is rare but here you go.
by TBillT
Mon Jul 29, 2019 11:42 am
Forum: Personal Investments
Topic: Drawing from Portfolio to Delay Social Security
Replies: 16
Views: 2056

Re: Drawing from Portfolio to Delay Social Security

We went with OpenSocialSecurity.com guidance. Since I was over 65 this year I was last to qualify for the spousal/restricted option, so we did that. I am waiting to 70 whereas my spouse has just started her SS per Open Social Security. I will take the spousal until 70. I guess what that means for yo...
by TBillT
Sun Jul 28, 2019 7:28 am
Forum: Personal Investments
Topic: Switch to munis?
Replies: 23
Views: 2588

Re: Switch to munis?

Munis saw a good last 12-months due to the SALT tax law changes encouraged more investments.
I am not sure the trend continues, but it got me back in the green on MUB share price.
by TBillT
Sat Jul 27, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Caught in Between Insurance and Airlift Company
Replies: 21
Views: 1827

Re: Caught in Between Insurance and Airlift Company

We had a somewhat similar situation, but airlift to overseas hospiltal was covered by the travel insurance. We thought about paying our own airlft to get to a US hospital, and that was going to cost $25k to $35k...the patient's spouse actually decided on the $35k as that was better offer timing wise...
by TBillT
Thu Jul 25, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Be aware of Verizon!
Replies: 34
Views: 4553

Re: Be aware of Verizon!

I don't use them because they treated us poorly related to laying FIOS cable in our yard.
Our crazy town wanted to allow multiple cable cos. so I do have a choice.
Wish we could get 3 lines, maybe not if COMCAST is worst.