Search found 2907 matches

by rgs92
Wed Jul 21, 2021 7:39 pm
Forum: Personal Consumer Issues
Topic: Sunglasses
Replies: 46
Views: 4159

Re: Sunglasses

I used to buy expensive sunglasses, but now I buy the $20-$30 ones on Amazon. The quality of the lens and frames are basically the same. I agree. I have these and recommend them (2-pack for $20): https://www.amazon.com/gp/product/B07ZVK3D5J/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 I also...
by rgs92
Wed Jul 21, 2021 7:28 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 605
Views: 239196

Re: TV show recommendations?

McCartney 3-2-1 on Hulu.
Detailed Insights into into various Beatles songs (and some others) by Paul and an interviewer with nice pieces of Paul demonstrating things impromptu.
6 short (roughly 30-minute) episodes.
Really nice and engrossing. A real gem.
A must-see if you are a fan.
by rgs92
Wed Jul 21, 2021 4:34 pm
Forum: Investing - Theory, News & General
Topic: Dying Broke (On Purpose) Article
Replies: 201
Views: 20360

Re: Dying Broke (On Purpose) Article

Isn't using your portfolio for income in order to delay Social Security as long as possible the first thing one would do in pursuit of dying broke? (I saw social security mentioned above but not exactly from this perspective.) Once this is done, I guess an immediate annuity (SPIA) is an option, but ...
by rgs92
Mon Jul 19, 2021 5:43 pm
Forum: Investing - Theory, News & General
Topic: Financial TV
Replies: 15
Views: 1375

Re: Financial TV

I especially like Bloomberg TV, especially Bloomberg Surveillance on every morning with, currently, Tom Keene, Jonathan Ferro and Lisa Abramowicz. It's simulcast on Bloomberg radio over the air in many places or on Bloomberg.com; I listen on a Wifi portable radio or onlne if I can't get to a TV. It'...
by rgs92
Wed Jul 07, 2021 9:36 pm
Forum: Investing - Theory, News & General
Topic: No Pension COLA: What to Do?
Replies: 108
Views: 10711

Re: No Pension COLA: What to Do?

I suggest reading: Any way to "translate" a fixed pension/annuity to an inflation adjusted one? (1) Any way to "translate" a fixed pension/annuity to an inflation adjusted one? (2) The final formula is surprisingly simple. Our wiki's VPW Accumulation And Retirement Worksheet use...
by rgs92
Sun Jun 27, 2021 12:29 am
Forum: Personal Consumer Issues
Topic: Recommend me a premium laptop
Replies: 18
Views: 1588

Re: Recommend me a premium laptop

I have an MSI laptop and love it. It's fast, runs cool (important to me), and quiet (equally important). I like to get one from a custom build shop (there are many of these) so I can get things like several internal solid state drives (no spinners at all). MSI is widely respected among gamers and ot...
by rgs92
Mon Jun 14, 2021 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics of 72t IRA distributions
Replies: 7
Views: 777

Re: Mechanics of 72t IRA distributions

In case you are interested, a simpler way is to use some of your IRA money to buy an SPIA (single premium fixed annuity) within the IRA's custodian family, such as Fidelity or Vanguard. The payout each month will be given to you in a taxable account (from which you can choose any amount for federal ...
by rgs92
Mon Jun 14, 2021 12:12 am
Forum: Personal Investments
Topic: Extremely lazy investing
Replies: 81
Views: 7916

Re: Extremely lazy investing

I would do this:
1. Emergency Fund in Ally or similar savings account.
2. IRAs (traditional or Roth) in Vanguard Balanced Index (Admiral).
3. Taxable account with ETFs for Total Stock Market and Total Bond Market.
by rgs92
Mon Jun 14, 2021 12:03 am
Forum: Personal Consumer Issues
Topic: Need to replace a toilet
Replies: 12
Views: 1349

Re: Need to replace a toilet

This is exactly what meets your needs and works great.

https://www.gerber-us.com/product/ultra ... ht-toilet/

[There is also a 1.6 gallon model for even more power, but the 1.28 gallon model is superb.]
by rgs92
Sun Jun 13, 2021 8:54 pm
Forum: Investing - Theory, News & General
Topic: Using Home Equity
Replies: 17
Views: 1726

Re: Using Home Equity

Perhaps it would be useful as a fund to delay taking social security if there was no better (cheaper) option.
by rgs92
Tue May 25, 2021 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mercedes Benz extended warranty and prepaid maintenance
Replies: 41
Views: 4340

Re: Mercedes Benz extended warranty and prepaid maintenance

For a Benz, you had better buy it. Don't think twice, just do it. All sorts of weird little things go wrong and cost a lot to repair. A single repair could easily be 2 or 3 thousand bucks. They are nice cars, and although you didn't ask, are you sure you don't want a Lexus? (If you have to ask about...
by rgs92
Mon May 24, 2021 7:59 pm
Forum: Personal Consumer Issues
Topic: Buying a used Android phone. Having doubts.
Replies: 37
Views: 2944

Re: Buying a used Adroid phone. Having doubts.

Another good way to save money on a phone is to get a previous-generation model. Instead of an iPhone 12, get an 11 for half what it sold for when new. I use an iPhone 10 that seems great to me, and it's 2 generations old.
So you can get a brand new phone and still save money.
by rgs92
Thu May 20, 2021 6:51 pm
Forum: Personal Consumer Issues
Topic: Amazon sent wrong items TWICE; what to do?
Replies: 30
Views: 2292

Re: Amazon sent wrong items TWICE; what to do?

When that happened to me (ordered 2 identical batteries and only got one), they simply refunded the cost of the one I didn't get. So I just ordered 1 more. I wonder why the refund-scenario was used.
by rgs92
Thu May 20, 2021 6:43 pm
Forum: Investing - Theory, News & General
Topic: A lost decade for stocks and bonds on the horizon?
Replies: 693
Views: 50678

Re: A lost decade for stocks and bonds on the horizon?

The market has been so generous to me in the last decade I'd feel grateful if we had no sacrifice other than a lost decade coming up.
I'd consider that scenario all gain, no pain.
by rgs92
Sun May 09, 2021 6:40 pm
Forum: Personal Investments
Topic: Buying Vanguard Funds through Fidelity?
Replies: 23
Views: 2286

Re: Buying Vanguard Funds through Fidelity?

Here is all you need: 1. FXNAX = Fidelity US Bond Market Index Fund (ER=.025 %). 2. FZROX =Fidelity Zero Total US Stock Market Index Fund (ER = 0). 3. FZILX = Fidelity Zero International Stock Market Index Fund (ER=0). Just pick an asset allocation and you are done. there is no need to go the ETF ro...
by rgs92
Sun May 09, 2021 4:40 pm
Forum: Personal Consumer Issues
Topic: Are there quiet central air conditioners (the outside unit)?
Replies: 18
Views: 1646

Are there quiet central air conditioners (the outside unit)?

Are there central air conditioners that are quiet? There are 3 bedrooms that face the back of the house (main and second floor ones) and you can hear the outside A/C units (condenser and fan) right through the closed windows. They are big Carrier units, about 5-10 years old. Also, would new Pella or...
by rgs92
Mon May 03, 2021 8:43 am
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3600

Re: Who will install non-OEM parts I bought for my car?

Thanks everyone. Lots of good information.
This is the part, if anyone is curious.

https://www.carid.com/2017-nissan-maxim ... 42142.html
by rgs92
Sun May 02, 2021 2:27 pm
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3600

Re: Who will install non-OEM parts I bought for my car?

Thanks. Really, a body shop won't? Isn't that the kind of thing they do for collisions?
Thanks for all the suggestions and help.
by rgs92
Sun May 02, 2021 2:16 pm
Forum: Personal Consumer Issues
Topic: Who will install non-OEM parts I bought for my car?
Replies: 51
Views: 3600

Who will install non-OEM parts I bought for my car?

Who will install non-OEM parts I bought for my car? I have ordered some replacement side mirrors (that fold in) for my 2017 Nissan Maxima that are exact replacements for the original OEM part #s. (At least that's what the place I bought them from claims and I checked the exact part #s on Nissan's si...
by rgs92
Tue Apr 27, 2021 5:07 pm
Forum: Personal Consumer Issues
Topic: Replacing blown-in insulation in attic.
Replies: 21
Views: 2157

Re: Replacing blown-in insulation in attic.

Thanks a million for all the info; need to read it some more. I am more interested in keeping things tidy and more maintenance-free than super-insulating. Somehow the insulation there (maybe it is cellulose, I'm not sure, got uneven with bare spots and just looks like a haphazard mess). It is from p...
by rgs92
Tue Apr 27, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: Replacing blown-in insulation in attic.
Replies: 21
Views: 2157

Replacing blown-in insulation in attic.

How feasible is it to replace old blown-in insulation in an attic (with sheets or something else that is neater)? The blown-in material is uneven and looks like a breeding ground or nest for mice or bugs or worse. I just hate looking at it. Can it be replaced with something better? What's involved i...
by rgs92
Tue Apr 27, 2021 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: RMD coming.....
Replies: 153
Views: 17086

Re: RMD coming.....

Isn't the issue of looming RMDs yet another good reason to spend down a portfolio in order to defer Social Security as long as possible?
So later on you have nice mildly-tax-favored (COLA'd!) income and lesser fully taxed RMDs.
by rgs92
Tue Apr 27, 2021 11:11 am
Forum: Personal Investments
Topic: Rebalance Question
Replies: 10
Views: 850

Re: Rebalance Question

Well, maybe it's timing the bond market, but if I had a 3%-rate cash fund, I would use that for as much of my fixed income allocation as I could. (And, perish the thought, I would even raise my fixed income allocation by 5 or 10%.) Just my humble opinion. 60/40 or 55/45 stocks/3%-fund sounds good to...
by rgs92
Tue Apr 27, 2021 11:06 am
Forum: Personal Investments
Topic: Sell today ?
Replies: 36
Views: 5164

Re: Sell today ?

deleted
by rgs92
Tue Apr 27, 2021 11:06 am
Forum: Personal Investments
Topic: Sell today ?
Replies: 36
Views: 5164

Re: Sell today ?

Sell today exactly reflecting your asset allocation.
by rgs92
Fri Apr 23, 2021 11:38 am
Forum: Personal Consumer Issues
Topic: Buy Speed Queen Washer/Dryer online(Appliance connection,AJMadison)?
Replies: 3
Views: 615

Re: Buy Speed Queen Washer/Dryer online(Appliance connection,AJMadison)?

I did check and called a couple of places in my vicinity to ask if they would deliver to me and they both said they could delivery anywhere in the U.S. because they are all shipped from central places in the U.S. Nothing is in a local warehouse and they ship anywhere. So that's why I thought I might...
by rgs92
Fri Apr 23, 2021 10:27 am
Forum: Personal Consumer Issues
Topic: Buy Speed Queen Washer/Dryer online(Appliance connection,AJMadison)?
Replies: 3
Views: 615

Buy Speed Queen Washer/Dryer online(Appliance connection,AJMadison)?

Speed Queen wahsers and dryers are hard to get from stores. What about online appliance places like AJ Madison or Appliance Connection (or some other lesser known ones)? Is there any other place to buy them? Thanks. [It's funny, I called around to stores, even some far away, and they said they are a...
by rgs92
Thu Apr 22, 2021 10:04 am
Forum: Personal Investments
Topic: Looking to diversify International holdings
Replies: 12
Views: 806

Re: Looking to diversify International holdings

Fidelity FZILX is the total international zero-expense fund. It works well. VXUS and IXUS charge about 10 basis points.
VXUS and IXUS are the Vanguard and Ishares total int'l mkt etfs.
by rgs92
Thu Apr 22, 2021 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house but not moving into it? Is that OK?
Replies: 36
Views: 4646

Re: Buying a house but not moving into it? Is that OK?

So you are saying the lender could revoke the loan after it is place if you do not move in?
by rgs92
Thu Apr 22, 2021 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house but not moving into it? Is that OK?
Replies: 36
Views: 4646

Buying a house but not moving into it? Is that OK?

Let's say I closed on a house meant to be a primary residence but decided not to move into it and maybe (or maybe not) rent it out.
Would there be a problem with the mortgage?
Thank you.
by rgs92
Wed Apr 21, 2021 4:16 pm
Forum: Personal Consumer Issues
Topic: Surge Protector Recommendation
Replies: 18
Views: 1381

Re: Surge Protector Recommendation

I have always successfully used Tripp-Lites. They have never malfunctioned over about 20+ years. they are very well-built and inspire confidence. Just look on Amazon; they have lots of them.
by rgs92
Mon Apr 19, 2021 9:16 pm
Forum: Personal Investments
Topic: Take this annuity?
Replies: 24
Views: 3324

Re: Take this annuity?

Right, It's more of an amortization rather than a rate of return.
But still, I would take the annuity because you can consider this part of your fixed income allocation and even the internal amortization rate is way above what you could get as a risk-free rate of return.
So go for it.
Good luck.
by rgs92
Fri Apr 16, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1400

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

To: Iamlucky13 : Wow, thanks for going to the trouble of writing all that information just for me. I owe you a beer or lunch or something!
Best to you.
by rgs92
Fri Apr 16, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1400

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

Californiastate wrote: Fri Apr 16, 2021 10:58 am I wouldn't have a problem installing a quality macerating system. It's like anything else. You buy crap and all you ever have is crap.
What's that? Like a garbage disposal for a drain? 'never heard of that, but it sure sounds like a good thing. Any examples of such a thing?
Thanks for the tip!
by rgs92
Fri Apr 16, 2021 10:46 am
Forum: Personal Consumer Issues
Topic: Painting Vinyl Siding
Replies: 13
Views: 844

Re: Painting Vinyl Siding

FWIW, I painted aluminum siding (using a good painting company) a couple of times and it turned out great both times. Looked fine and lasted many years. I don't see why vinyl should be any more difficult or cause any more problems, but I'm just guessing here.
by rgs92
Fri Apr 16, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: Replacing French Doors (many glass panes) with regular doors?
Replies: 7
Views: 406

Re: Replacing French Doors (many glass panes) with regular doors?

HomeStretch wrote: Fri Apr 16, 2021 10:23 am Buy a solid wood door rather than a hollow core door for less sound transmission.
Good suggestion. I did not think of this. 'appreciate it.
by rgs92
Fri Apr 16, 2021 10:40 am
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1400

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

Thanks everyone for the pretty good news on this front.
Best to everybody.
by rgs92
Fri Apr 16, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: Replacing French Doors (many glass panes) with regular doors?
Replies: 7
Views: 406

Replacing French Doors (many glass panes) with regular doors?

So how hard or expensive is it to replace interior French Doors (the kind that are full of cross-hatched glass panes) with normal doors (with no glass)? (For some reason, we see houses with these doors on many rooms, like bedrooms, and it seems odd to me.) Any tips on what kinds of doors to buy or w...
by rgs92
Fri Apr 16, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1400

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

Big Thanks for everyone's quick comments. Are there any specific brands of pumps or any design/installation guidelines? As far as related sewer issues, do these systems make extra demands on sewer pipes? In my house that I had in NJ for many years, I had to do sewer pipe work many times, involving i...
by rgs92
Fri Apr 16, 2021 9:31 am
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1400

Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

I am seeing houses with finished basements (walk-outs, not much below grade) with full bathrooms that use ejector pumps to function. Do these bathrooms work well? What maintenance is involved? Are there better and worse Ejector Pumps? (Any recommendations are appreciated.) These are houses served by...
by rgs92
Tue Apr 13, 2021 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any1 use home insurance by GUARD/Berkshire Hathaway ?
Replies: 13
Views: 724

Re: Any1 use home insurance by GUARD/Berkshire Hathaway ?

Thanks talzara for all that good information and that research, too. I appreciate it. So I think I may well head over to State Farm for Homeowners insurance. (I used to use them anyway, and they were fine.)
by rgs92
Tue Apr 13, 2021 6:35 pm
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 138
Views: 9256

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

I think the best approach to the OP's issues (and the questions about the expense ratios) would be to put most of your money in Vanguard Balanced Index (VBIAX, ER= .07%) and just enough in Vanguard International index (VTIAX, ER= .11%) to have just the right allocation of that you want. This also av...
by rgs92
Tue Apr 13, 2021 2:28 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 257
Views: 28179

Re: High spenders what do you spend on?

Good Long Term Care insurance can be a huge budget item. And in many areas, property taxes. Having both of these expenses can be an elephant in the room. Technically these are not mandatory expenses, but you might have to move or just take your chances on getting old and not needing any care. So it'...
by rgs92
Tue Apr 13, 2021 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any1 use home insurance by GUARD/Berkshire Hathaway ?
Replies: 13
Views: 724

Re: Any1 use home insurance by GUARD/Berkshire Hathaway ?

No it just says GEICO when you ask for a Home Insurance quote. I never heard of Guard until now when I saw this thread. Strange. Is it some discount subsidiary they bought? It seems odd that they would have 2 separate Home Insurance companies. GEICO has constant TV commercials telling you to bundle ...
by rgs92
Tue Apr 13, 2021 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Any1 use home insurance by GUARD/Berkshire Hathaway ?
Replies: 13
Views: 724

Re: Any1 use home insurance by GUARD/Berkshire Hathaway ?

So is all Home Insurance from Berkshire Hathaway (GEICO) coming from this GUARD company? I was about to switch to GEICO for my home insurance to get the bundling discount because my car insurance is with GEICO. Is this a bad idea? Thanks.
by rgs92
Tue Apr 13, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: $1.5 million home - what % down?
Replies: 7
Views: 1007

Re: $1.5 million home - what % down?

I didn't know such low rate on a jumbo loan was available. Interesting. I have not found anything close to that in my searching.
by rgs92
Tue Apr 13, 2021 11:42 am
Forum: Personal Investments
Topic: Vanguard Target Date Funds Question
Replies: 18
Views: 2555

Re: Vanguard Target Date Funds Question

Adding to Dbr's comments, I too was wondering about Vanguard's Target funds oddly high allocation to the International Bond Market. Why not just use Total Bond Market instead? (I do note that International Bonds often have negative yield, but that would be market timing, but still, why have a target...
by rgs92
Thu Apr 08, 2021 1:32 pm
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2872

Re: Shoe Choice for a Walker

I love and highly recommend the Saucony Triumph 18. I just mentioned them in another thread today. ["walking shoes with wide toes?]" I said this in the other thread: Saucony Triumph 18. I also need a wide toe box to prevent my toes from rubbing against the shoe. I tried a lot of major bran...
by rgs92
Thu Apr 08, 2021 1:18 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 3325

Re: walking shoes with wide toes?

Saucony Triumph 18. I also need a wide toe box to prevent my toes from rubbing against the shoe. I tried a lot of major brand shoes and for some reason I fell in love with these and tend to use them all the time, and I walk a lot. Incredibly comfy and addicting. I have 2 other kinds of Saucony shoes...