Search found 9540 matches

by sport
Wed Oct 14, 2020 6:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Transition Messages
Replies: 85
Views: 4786

Re: Vanguard Brokerage Transition Messages

- Are there any changes in quarterly or annual reports we now receive? My understanding is that there is a big change in reports. You no longer get quarterly and annual reports. You just get monthly reports. This and the lack of being able to direct distribution from one fund to another are the two...
by sport
Wed Oct 14, 2020 4:00 pm
Forum: Personal Investments
Topic: Morgan Stanley | Status Change to Your Advisory Account
Replies: 5
Views: 472

Re: Morgan Stanley | Status Change to Your Advisory Account

If you have an advisory account, you should expect to pay for advisor services. At MS this is probably a significant charge in the area of 1.0% to 1.5% of assets under management (AOM). If you change to a brokerage account, you should not expect much in the way of advisory services and there should ...
by sport
Tue Oct 13, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Short term loan for home purchase
Replies: 6
Views: 530

Re: Short term loan for home purchase

Hello all We are in a slight situation here, my townhome is not listed but will probably net $275k when sold. We saw a place we love for $600k and would like to pay cash but most of our money is tied into good paying CD’s. I only can scape up about $100k cash until Twol large ($650k) cd’s pay off i...
by sport
Mon Oct 12, 2020 1:55 pm
Forum: Personal Investments
Topic: Active Mutual Fund vs Index w/ Fidelity
Replies: 12
Views: 1048

Re: Active Mutual Fund vs Index w/ Fidelity

Those two funds have expense ratios of 0.87% and 0.86%. Perhaps there is a financial incentive for the advisor to suggest these funds. :twisted:
by sport
Mon Oct 12, 2020 11:35 am
Forum: Personal Investments
Topic: First Taxable Account
Replies: 2
Views: 289

Re: First Taxable Account

In a taxable account, the tax items are dividends and capital gains. Dividends: There are two types, qualified and non-qualified. The only practical difference is that they are taxed differently. Dividends are taxable whether or not they are reinvested. They will be defined on your 1099DIV. Capital ...
by sport
Sun Oct 11, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Another Simple Medicare Billing Question
Replies: 22
Views: 1928

Re: Another Simple Medicare Billing Question

Very informative. Is there anyway we can pay our Medicare Premiums by credit card instead of it being taken out of our social security checks? We like our CC cash back features. You don’t have a choice. “ Sec. 1840. [42 U.S.C. 1395s] (a)(1) In the case of an individual who is entitled to monthly be...
by sport
Sun Oct 11, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 19926

Re: Social security. Take it at 62 [Motley Fool article]

There are also other situations that can affect this decision. DW has a government pension that would completely offset any SS benefit while I am alive and also offset any survivor benefit. So, even though we are married and she is younger than I, our situation is different from most other married c...
by sport
Sun Oct 11, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 10276

Re: "Nice" furniture recommendations

As an alternative thought, check out Costco furniture. Costco is fussy about the quality of their products. The price will certainly be right. Some of their furniture is quite expensive, but worth the price. https://www.costco.com/furniture.html
by sport
Sat Oct 10, 2020 5:24 pm
Forum: Investing - Theory, News & General
Topic: NFCU Certificate Rates Drop Again
Replies: 13
Views: 1500

Re: NFCU Certificate Rates Drop Again

May go to investing more in our taxable investment account in the total stock market index fund (VTSAX) as these remaining certificates mature. Tom, This would defeat the purpose of holding CDs in the first place. With the market setting new highs, it does not seem to be the right time to make your...
by sport
Sat Oct 10, 2020 3:33 pm
Forum: Investing - Theory, News & General
Topic: NFCU Certificate Rates Drop Again
Replies: 13
Views: 1500

Re: NFCU Certificate Rates Drop Again

Unless you need the cash in one year, why not consider 2 or 3 year CDs instead of the 1 year maturity? The rates should be a little higher and there is little indication that rates will be rising any time soon.
by sport
Sat Oct 10, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Another Simple Medicare Billing Question
Replies: 22
Views: 1928

Re: Another Simple Medicare Billing Question

FrugalInvestor wrote: Sat Oct 10, 2020 12:32 pm I pay my premiums one month at a time through a debit to my checking account. Why are you paying three months?
DW is billed for her medicare premiums annually.
by sport
Sat Oct 10, 2020 10:53 am
Forum: Personal Investments
Topic: RMD in 2020?
Replies: 4
Views: 517

Re: RMD in 2020?

I think you have to TELL Vanguard you are going to skip this year but have them automatically set up to reinstate it next year. This is what I did. This presumes you have the RMD set for automatic distributions. This is a choice at Vanguard. You can have this, or just make the distributions as you ...
by sport
Sat Oct 10, 2020 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Cost basis of vacant lot
Replies: 20
Views: 1278

Re: Cost basis of vacant lot

Do your county records show transaction prices for real estate sales? If so, you could see what they allotted for the purchase of that lot. In my county, we can look up the sale price for any real estate transaction at the county web site.
by sport
Tue Oct 06, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Miami/Everglades during Christmas
Replies: 39
Views: 2477

Re: Miami/Everglades during Christmas

One thing I remember from a visit to the everglades was to be sure to bring mosquito repellent. They came at us in a hungry swarm.
by sport
Mon Oct 05, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Resolved-Buy older model used Mercedes?
Replies: 37
Views: 2349

Re: Buy late model used Mercedes?

Can you give her your car and buy a better one for yourself?
by sport
Mon Oct 05, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: Explain those "Space Force genuine legal $2 bills"
Replies: 25
Views: 3404

Re: Explain those "Space Force genuine legal $2 bills"

Interesting... I don't recall seeing these before. It appears that there are a wide variety of these printed over 'collectible' $2 bills celebrating / promoting all sorts of different things (including political campaigns from both sides of the aisle). I saw a comment on another forum discussing th...
by sport
Mon Oct 05, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: Explain those "Space Force genuine legal $2 bills"
Replies: 25
Views: 3404

Re: Explain those "Space Force genuine legal $2 bills"

Interesting... I don't recall seeing these before. It appears that there are a wide variety of these printed over 'collectible' $2 bills celebrating / promoting all sorts of different things (including political campaigns from both sides of the aisle). I saw a comment on another forum discussing th...
by sport
Mon Oct 05, 2020 9:00 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 54
Views: 7448

Re: Forever Stamps as an Investment?

uthendo wrote: Mon Oct 05, 2020 7:33 am If you think about it, there's no conceivable way for a seller to not lose money selling for that price.
Well, one conceivable way is to sell stolen stamps.
by sport
Sun Oct 04, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Finding Something in life?
Replies: 26
Views: 4149

Re: Finding Something in life?

Many many years ago, when I was in Jr. High School, we all took a Vocational Preference Test. It identified the areas we would prefer to work, and those we would not. Certainly such a test must exist today.
by sport
Sat Oct 03, 2020 5:30 pm
Forum: Investing - Theory, News & General
Topic: QE and inflation
Replies: 39
Views: 1879

Re: QE and inflation

I think the coasts seriously underestimate the Midwest. My partner from Ohio are appalled by the quality of public school education in California. I can’t vouch for the public schools in the Midwest, but he is one of the smartest guys that I have met in my life. In my area, all the school systems a...
by sport
Sat Oct 03, 2020 4:53 pm
Forum: Investing - Theory, News & General
Topic: QE and inflation
Replies: 39
Views: 1879

Re: QE and inflation

I thought we already had high inflation from post 2009 QE. Look at housing costs. It's unaffordable for the new generation and in highly sought after locations, prices are such that one can work an entire working career and still be unable to afford one. Look at higher education. Many of the privat...
by sport
Sat Oct 03, 2020 8:51 am
Forum: Personal Investments
Topic: Getting out of PEOPX
Replies: 6
Views: 413

Re: Getting out of PEOPX

One thing you can do is stop reinvestment of dividends and capital gain distributions. Take those distributions in cash, and use them to buy the fund(s) you want to hold. Those distributions are taxable regardless if you reinvest or take cash, so taking them in cash will not cost you anything.
by sport
Fri Oct 02, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: Windsor - hold or exchange
Replies: 10
Views: 892

Re: Windsor - hold or exchange

Windsor's performance was excellent while John Neff was managing the fund. After he retired, not so much.
by sport
Thu Oct 01, 2020 11:52 am
Forum: Investing - Theory, News & General
Topic: "Take action to transition your account" question?
Replies: 4
Views: 532

Re: "Take action to transition your account" question?

Yes, that is the brokerage platform. If you "transition" you will lose some features immediately. :annoyed
by sport
Wed Sep 30, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Homeowner attempting to resurface neighborhood public road
Replies: 86
Views: 9318

Re: Homeowner attempting to resurface neighborhood public road

I know you reseal driveways and parking lots but have never seen an entire road done. If this guy asks before doing it, say no. If he asks after, say hell no. Struck us as very strange as well. The contractor measuring does driveway resealing, not road paving. No hot mix; no roller. Just a tank on ...
by sport
Tue Sep 29, 2020 9:11 am
Forum: Personal Investments
Topic: Transferring assets between jointly and individual accounts
Replies: 5
Views: 427

Re: Transferring assets between jointly and individual accounts

jiamajia wrote: Tue Sep 29, 2020 8:03 am We are planning to open a jointly held investment account so both of us can manage it.
You do not need a joint account to accomplish this. You can each have individual accounts and give the other spouse authorization to make transactions.
by sport
Mon Sep 28, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: How do YOU find a good doctor these days...
Replies: 75
Views: 5106

Re: How do YOU find a good doctor these days...

There is one other problem when choosing a new Dr. A few years ago, my longtime PCP retired, and I had to find another. I wanted one with 10 - 15 years experience, not too young, and not too old. The hospital that employed my old PCP provided a list of possible choices. They were mostly young Drs. t...
by sport
Mon Sep 28, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Windsor - hold or exchange
Replies: 10
Views: 892

Re: Windsor - hold or exchange

You should consider all of your holdings and construct the portfolio you want. I also held Windsor for many years in a taxable account and had large unrealized gains. When the market collapsed in 2008, I used the opportunity to sell Windsor and bought Value Index Fund as a replacement. Instead of ca...
by sport
Mon Sep 28, 2020 2:36 pm
Forum: Investing - Theory, News & General
Topic: Windsor - hold or exchange
Replies: 10
Views: 892

Re: Windsor - hold or exchange

Do you hold it in an IRA or a taxable account? In a taxable account you have to consider taxable capital gains if you sell.
by sport
Mon Sep 28, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: How do YOU find a good doctor these days...
Replies: 75
Views: 5106

Re: How do YOU find a good doctor these days...

The best people to ask for a recommendation for a doctor are other doctors. If you (or your SO) have a good doctor, ask that one to recommend any others you need.
by sport
Sun Sep 27, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Anchors screws - over time do they get loose ???
Replies: 33
Views: 3318

Re: Anchors screws - over time do they get loose ???

Most likely the screws loosen because of the repeated opening and closing of the heavy curtains. The drywall cannot take the repeated strain.
by sport
Sat Sep 26, 2020 1:58 pm
Forum: Investing - Theory, News & General
Topic: Were you nervous when you retired?
Replies: 98
Views: 10164

Re: Were you nervous when you retired?

I didn't have anything to do yesterday, but I did not get it finished. So, I am working on it today. I probably won't get it all done today either... 8-)
by sport
Sat Sep 26, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Were you nervous when you retired?
Replies: 98
Views: 10164

Re: Were you nervous when you retired?

I wasn't nervous about it. I was looking forward to it and "counted the days" until I could turn off the alarm clock.
by sport
Fri Sep 25, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: At what networth is okay to splurge on a 200k car ? (Tesla roadster)
Replies: 159
Views: 10700

Re: At what networth is okay to splurge on a 200k car ? (Tesla roadster)

Here is another thing to consider. When I was young, I enjoyed having a fancy car (not anywhere near 200K). However, now that I am older, that appeal has worn off. So, while you may lust after a very special expensive vehicle when you are young, by the time you really are able to afford one, you may...
by sport
Fri Sep 25, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: At what networth is okay to splurge on a 200k car ? (Tesla roadster)
Replies: 159
Views: 10700

Re: At what networth is okay to splurge on a 200k car ? (Tesla roadster)

Your net worth should be sufficiently high that you do not need to ask that question. If you have to ask "can I afford it", the answer is "no".
by sport
Fri Sep 25, 2020 1:39 pm
Forum: Investing - Theory, News & General
Topic: NJ Municipal MM closed and will liquidate
Replies: 20
Views: 1874

Re: NJ Municipal MM closed and will liquidate

Vanguard's Ohio MM fund closed several years ago.
by sport
Fri Sep 25, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Which car to sell first
Replies: 8
Views: 691

Re: Which car to sell first

I would keep the one that I like better or is somehow more useful to me.
by sport
Thu Sep 24, 2020 11:17 am
Forum: Personal Investments
Topic: Help with creating an index fund with Ohio Deferred Comp 457 funds
Replies: 4
Views: 225

Re: Help with creating an index fund with Ohio Deferred Comp 457 funds

A relative has the choice of the Ohio 457 and a 403b. The fees for the 403b are so much higher than the 457, that he uses only the 457 and puts nothing in the 403b. I don't know what the limits are on either of these plans, nor how this would apply to you. However, I suggest paying attention to the ...
by sport
Wed Sep 23, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15405

Re: Is Costco worth the $120 membership?

I see many posts in this thread comparing Costco to supermarkets and complaints about the large quantities. It should be noted that Costco also carries some very nice clothing at low prices. The quantities for clothing is generally "one", or perhaps as two-pack . The exceptions to this are generally...
by sport
Tue Sep 22, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Attend COVID Wedding?
Replies: 22
Views: 2113

Re: Attend COVID Wedding?

It's a medical question. Listen to your doctor. Her opinion is authoritative. How would you feel if you went to the wedding, had a good time, and then brought the virus home and it killed your mother? Could you live with yourself?
by sport
Mon Sep 21, 2020 10:18 pm
Forum: Personal Investments
Topic: What does a load look like on a statement?
Replies: 10
Views: 851

Re: What does a load look like on a statement?

Way back when I purchased class A shares, I would send in a check for $100 and the purchase was $91.25 due to the load of 8.75%. This was in 1971. I decided that the broker earned a commission for steering me to the fund, but only for the initial $500 purchase. The continuing payments of the load di...
by sport
Mon Sep 21, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: stand up freezer for garage
Replies: 26
Views: 1569

Re: stand up freezer for garage

If your area gets very cold in the winter, be sure any freezer you buy will operate properly at the lowest temperature you expect to have in the garage. There should be a specification for this for any unit you consider.
by sport
Sat Sep 19, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 6079

Re: Ring for a new girlfriend

yules wrote: Sat Sep 19, 2020 5:55 pm
whodidntante wrote: Fri Sep 18, 2020 5:28 pm Cut your price target by a third and then go to Costco.
Then OP can buy rings in bulk for the next few girlfriends. Smart.
I hope this comment was in jest. However, in case it was serious, Costco jewelry is sold with a quantity of "one". BTW, this is also true for clothing.
by sport
Sat Sep 19, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15405

Re: Is Costco worth the $120 membership?

Sam's club is a better choice, way less people to get in the way and chance if getting sick. Otherwise they're pretty identical. Sam's club list what's in the aisle and doesn't move everything around all the time like Costco, which is to very annoying. We used to have a Costco and a Sam's Club abou...
by sport
Fri Sep 18, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 6079

Re: Ring for a new girlfriend

whodidntante wrote: Fri Sep 18, 2020 5:28 pm Cut your price target by a third and then go to Costco.
Don't underestimate what you can find at Costco. https://www.costco.com/round-brilliant- ... 92371.html
by sport
Fri Sep 18, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 6079

Re: Ring for a new girlfriend

Perhaps surprisingly, Costco.com has some very nice jewelry. There is a wide range of prices up to very expensive.
Here are some examples https://www.costco.com/gold-bracelets.html
by sport
Fri Sep 18, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: OLD papers [How do I dispose of old papers?]
Replies: 53
Views: 4026

Re: OLD papers

Dottie57 wrote: Fri Sep 18, 2020 10:07 am Buy a shredder and do the shredding yourself. The put in recycling.
In my community, they do not want shredded paper in the recycling. We put it in the trash.
by sport
Thu Sep 17, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: New York Life - Invest as Favor for Friend
Replies: 40
Views: 2232

Re: New York Life - Invest as Favor for Friend

Perhaps disability insurance?
by sport
Wed Sep 16, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 3202

Re: What is the best company for auto/property/renters/umbrella insurance?

I have been happy with State Farm. Claims experience has been very good and the prices seem to be reasonable. I had State Farm years ago for homeowners and flood, and they were horrible when I had a flood claim. They were so bad that the state sued them as many people were affected by the flooding ...
by sport
Wed Sep 16, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3428

Re: HVAC Service Contracts & Annual Service

Annual maintenance can extend the life of your units and also detect small problems before they turn into big problems. I had a guy in earlier this year who detected one coil was a bit low on refrigerant in a 2-year old unit. He refilled it and said we'll keep an eye on it and if it has a slow leak...