Search found 989 matches

by iamblessed
Mon Apr 19, 2021 9:19 pm
Forum: Personal Consumer Issues
Topic: What is the Softest Mattress in a Box?
Replies: 1
Views: 210

What is the Softest Mattress in a Box?

Would it be the softest mattress on the market?
by iamblessed
Mon Apr 19, 2021 9:05 pm
Forum: Personal Consumer Issues
Topic: Considering switching from Tracfone to Tello
Replies: 7
Views: 301

Re: Considering switching from Tracfone to Tello

I used them for several years and was happy.
by iamblessed
Mon Apr 19, 2021 11:51 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 260
Views: 13954

Re: What’s the problem with dividends?

CyclingDuo wrote: Mon Apr 19, 2021 11:36 am
Astones wrote: Mon Apr 19, 2021 10:57 amCalm down. It wasn't meant as a critique.
Looks like I can get a discount and free shipping on a 3 pack... :beer

Image
They are taxed at the state level?
by iamblessed
Mon Apr 19, 2021 11:16 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 260
Views: 13954

Re: What’s the problem with dividends?

I don't like them because the mutual fund goes down the same amount the day they are paid so it was not real income to me. That is what bugs me the most about them. I don't like dividends because then I have to take less capital gains to remain in the same tax bracket. I can keep my income lower fo...
by iamblessed
Mon Apr 19, 2021 7:20 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 260
Views: 13954

Re: What’s the problem with dividends?

I don't like them because the mutual fund goes down the same amount the day they are paid so it was not real income to me. That is what bugs me the most about them. I don't like dividends because then I have to take less capital gains to remain in the same tax bracket. I can keep my income lower for...
by iamblessed
Sat Apr 17, 2021 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 161
Views: 18156

Re: ACA subsidy cliff now going away! Yay!

I suspect that if I had not gone through this process I would still have gotten the savings next year when I file my tax return but I am not sure of that.

That's what I am thinking but do not know if it is right?
by iamblessed
Fri Apr 16, 2021 7:07 pm
Forum: Personal Consumer Issues
Topic: Please suggest a docuseries to watch
Replies: 24
Views: 1885

Re: Please suggest a docuseries to watch

piazano wrote: Fri Apr 16, 2021 9:31 am "Locked up abroad" Nat Geo Channel
Normally I don't like crime stories but could not stop watching this.
by iamblessed
Fri Apr 16, 2021 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled at 39 - looking for some general guidance
Replies: 19
Views: 3453

Re: Disabled at 39 - looking for some general guidance

I think you will be fine. With index funds you should be able to get your income under 50k for the ACA.
by iamblessed
Wed Apr 14, 2021 1:46 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 188
Views: 19025

Re: Did you move for better weather? Did you regret it?

Having been all over the US at one point or another and talking to many/researching the weather in various places, I’ve come to the conclusion that where I’m at/grew up has middle of the road weather, middle of the road people, middle of the road politics and is lcol somewhere in the middle of the ...
by iamblessed
Sun Apr 11, 2021 6:09 pm
Forum: Investing - Theory, News & General
Topic: VPW too aggressive?
Replies: 23
Views: 2107

Re: VPW too aggressive?

American funds used a 5% VPW as an example for many years. I doubt it is to aggressive.
by iamblessed
Sun Apr 11, 2021 1:18 pm
Forum: Investing - Theory, News & General
Topic: VPW too aggressive?
Replies: 23
Views: 2107

Re: VPW too aggressive?

Note that 4% is constant in inflation adjusted value. There are costs to achieving this (sequence of returns, etc.) and inflation is built into the 4% number, which is why the VPW percentages are much higher. One could take 6% of remaining portfolio every year with a very high likelihood of good re...
by iamblessed
Sat Apr 10, 2021 9:22 am
Forum: Personal Consumer Issues
Topic: Any MagicJack phone alternatives that are cheaper and better?
Replies: 16
Views: 1783

Re: Any MagicJack phone alternatives that are cheaper and better?

teelainen wrote: Sat Apr 10, 2021 1:09 am Are there any MagicJack phone alternatives that are cheaper and better?

My MagicJack account is up for renewal, and I don't feel like paying the $39 per year.

Any recommendations would be great, thanks.
Do they still have the deal where you can buy five years at a discount?
by iamblessed
Sat Apr 10, 2021 9:18 am
Forum: Personal Investments
Topic: Is Tax slayer tax software correctly dealing with ACA tax credits yet?
Replies: 4
Views: 201

Re: Is Tax slayer tax software correctly dealing with ACA tax credits yet?

jebmke wrote: Sat Apr 10, 2021 9:15 am According to a notice I received yesterday, TaxSlayer Pro is doing this correctly. I don't know if the retail version has been updated yet.
Is the TaxSlayer Pro what some paid tax preparers use?
by iamblessed
Sat Apr 10, 2021 9:16 am
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1261

Re: Electric water heater for a confined space

Some people run a small house on that home depot water heater. 1 or 2 person household. It has two elements in it. Home Depot shows the height as 31.5 inches with the connections on the top, which puts it right on the bleeding edge of what's possible. The connecting tubing has to bend at a sharp an...
by iamblessed
Fri Apr 09, 2021 8:14 pm
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1261

Re: Electric water heater for a confined space

Some people run a small house on that home depot water heater. 1 or 2 person household. It has two elements in it.
by iamblessed
Fri Apr 09, 2021 10:02 am
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1261

Re: Electric water heater for a confined space

I would put in this one from home depot.
Performance 20 Gal. Short 6 Year 3800/3800-Watt Elements Electric Tank Water Heater
I am guessing $150 a year cheaper to run than the one you have.
by iamblessed
Tue Apr 06, 2021 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 20893

Re: How much do you spend annually in retirement?

arf1410 wrote: Tue Apr 06, 2021 3:45 pm
iamblessed wrote: Tue Apr 06, 2021 3:42 pm
We live on 22k so 50k is high on the hog here in the Midwest.
help me understand that one... I've been told to budget about $20k per year for health care ...

Free to very low cost on the ACA at a low income. The highest I ever paid was around $150 a month. Last year $63 a month.
by iamblessed
Tue Apr 06, 2021 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 20893

Re: How much do you spend annually in retirement?

I know that there are alot of variables such as cost of living but I am curious what people spend annually in retirement. My gut tells me that $50,000 annually would be living "high on the hog" assuming all debts are paid off. If anyone is willing to share I think it would be interesting....
by iamblessed
Tue Apr 06, 2021 8:08 am
Forum: Personal Consumer Issues
Topic: Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this
Replies: 8
Views: 1028

Re: Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this

It happened three times. One of them disappeared after several days. Now only show one time like it should. I still have one on there from 3/31. The newest one is also on there from 4/5.
by iamblessed
Mon Apr 05, 2021 10:51 pm
Forum: Personal Consumer Issues
Topic: Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this
Replies: 8
Views: 1028

Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this

problem. Three different times it show me taking out the same amount twice on the same day but I only took out money once. Anybody else have this problem?
by iamblessed
Mon Apr 05, 2021 11:33 am
Forum: Personal Consumer Issues
Topic: Costco/Kirkland Premium Paper Towels (Roll Size?)
Replies: 12
Views: 1392

Re: Costco/Kirkland Premium Paper Towels (Roll Size?)

I was going to look up the price but the costco web site is not as good as the sam's club web site. That's one area sam's is good at. Costco web site and Costco stores often have different prices. The web site sometimes has higher prices that include delivery. Yeah. Sam's gives you the store price ...
by iamblessed
Mon Apr 05, 2021 11:22 am
Forum: Personal Consumer Issues
Topic: Costco/Kirkland Premium Paper Towels (Roll Size?)
Replies: 12
Views: 1392

Re: Costco/Kirkland Premium Paper Towels (Roll Size?)

I was going to look up the price but the costco web site is not as good as the sam's club web site. That's one area sam's is good at.
by iamblessed
Sun Apr 04, 2021 6:34 pm
Forum: Personal Investments
Topic: Best all-in-one, set it and forget portfolio?
Replies: 36
Views: 3162

Re: Best all-in-one, set it and forget portfolio?

Keep enough in cash that you can sleep well not caring about what the stock market does this year or next (short-term bonds/CD's and the like ..I currently like Series I Savings Bonds and 'rewards' high-yield bank account). Put the rest in a low-cost broad stock market index fund. I'm not in a with...
by iamblessed
Fri Apr 02, 2021 6:47 pm
Forum: Personal Consumer Issues
Topic: Tankless Water Heater - Struggling to Justify
Replies: 71
Views: 5910

Re: Tankless Water Heater - Struggling to Justify

I would not go tankless. I don't think I would ever get my money back. We bought the cheapest water heater 32 years ago. I just took a shower with it today. In the summer it and the gas stove use about $5.50 a month in gas.
by iamblessed
Fri Apr 02, 2021 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 440
Views: 55539

Re: $11,000 to $350,000 in real estate

Bogleheads: In the late 80's we put $11,000 down on an unbuilt condominium in Miami (Yacht Harbor) priced at $110,000. About 10 years later we sold our unit for $350,000 . The identical unit next door sold for $250,000 three years later. Lesson learned: Real Estate can be profitable -- and it can b...
by iamblessed
Fri Apr 02, 2021 11:34 am
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 175
Views: 35816

Re: Retire with Less Than $1 million?

I think it is easy from WV to KS.
by iamblessed
Thu Apr 01, 2021 7:10 am
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 175
Views: 35816

Re: Retire with Less Than $1 million?

Some folks on this forum have a 5k a month pension. If I had that I could retire with $0 in the bank. It just depends.
by iamblessed
Wed Mar 24, 2021 2:03 pm
Forum: Personal Investments
Topic: What is the stock ticker symbol for bluebird? I can't seem to find it.
Replies: 14
Views: 730

Re: What is the stock ticker symbol for bluebird? I can't seem to find it.

There is no stock ticker for Bluebird proper; Bluebird is a card issued by Walmart (WMT) and branded by American Express (AXP). Would you call Walmart the parent company? If you're asking who shares in the profits whenever a person uses his or her Bluebird card, I imagine it's both Walmart and Amer...
by iamblessed
Wed Mar 24, 2021 1:40 pm
Forum: Personal Investments
Topic: What is the stock ticker symbol for bluebird? I can't seem to find it.
Replies: 14
Views: 730

Re: What is the stock ticker symbol for bluebird? I can't seem to find it.

mikejuss wrote: Wed Mar 24, 2021 1:39 pm There is no stock ticker for Bluebird proper; Bluebird is a card issued by Walmart (WMT) and branded by American Express (AXP).
Would you call Walmart the parent company?
by iamblessed
Wed Mar 24, 2021 1:32 pm
Forum: Personal Investments
Topic: What is the stock ticker symbol for bluebird? I can't seem to find it.
Replies: 14
Views: 730

Re: What is the stock ticker symbol for bluebird? I can't seem to find it.

It seem like American Express, Visa and Walmart are all involved. Which is the parent company? As far as I know none of these companies are a parent of any of the others. So I am inclined to think you are on a fools errand. Why were you interested? I think one of them is the parent of bluebird not ...
by iamblessed
Wed Mar 24, 2021 1:25 pm
Forum: Personal Investments
Topic: What is the stock ticker symbol for bluebird? I can't seem to find it.
Replies: 14
Views: 730

Re: What is the stock ticker symbol for bluebird? I can't seem to find it.

It seem like American Express, Visa and Walmart are all involved. Which is the parent company?
by iamblessed
Wed Mar 24, 2021 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Bank Account - Checking
Replies: 38
Views: 3531

Re: Bank Account - Checking

Most local credit union have free checking with $0 fees. Most do not ask you to use debit cards X times per month. If online is ok I would go with https://www.alliantcreditunion.org/ .55% on saving easy move money to checking as needed Here is $100 for opening it https://ww2.alliantcreditunion.org/u...
by iamblessed
Wed Mar 24, 2021 8:36 am
Forum: Personal Investments
Topic: Interesting retirement strategy
Replies: 45
Views: 5533

Re: Interesting retirement strategy

It makes some sense. I took 10% off the table for many years. He is taking 100% of the table for 2 years.
by iamblessed
Mon Mar 22, 2021 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Can you give financial advice to friends and receive money?
Replies: 54
Views: 4598

Re: Can you give financial advice to friends and receive money?

If it were me I would match them up to a LifeStrategy fund for their age at no cost. Most people can use a 80/20 60/40 or 40/60 fund. That is 95% of what we do here.
by iamblessed
Fri Mar 19, 2021 1:45 pm
Forum: Personal Investments
Topic: Sold LifeStrategy Conservative Growth and total international bought Total market. In Roth want to sell Total World
Replies: 9
Views: 470

Re: Sold LifeStrategy Conservative Growth and total international bought Total market. In Roth want to sell Total Worl

I do not. Perhaps you can explain why you are concerned about this at all? I suspect misinformation at Bogleheads.org has confused you, so just stop reading any threads that have "wash sale" in their titles. :) :) Furthermore, even if you sold those shares at a loss there would be no wash...
by iamblessed
Thu Mar 18, 2021 10:19 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1574
Views: 94449

Re: What are you listening to now

http://www.singingnews.com/radio/

Press listen live at the top of the page.

Love this music so much.
by iamblessed
Wed Mar 17, 2021 8:54 am
Forum: Personal Investments
Topic: How much do you weigh your homes value in your retirement portfolio?
Replies: 107
Views: 8586

Re: How much do you weigh your homes value in your retirement portfolio?

I don't. I could downsize but I am in the Midwest and would not save that much money out of the deal. I do know that my cost are low because of it so it is important. But I do not weigh it in my retirement portfolio.
by iamblessed
Sun Mar 14, 2021 10:02 am
Forum: Personal Investments
Topic: If you had 55k of Qualified Dividends and Long Term Capital Gains would the tax bill be $289
Replies: 7
Views: 1190

Re: If you had 55k of Qualified Dividends and Long Term Capital Gains would the tax bill be $289

https://engaging-data.com/tax-brackets/?fs=0&reg=0&cg=55000 [. . .] So it is not a big deal if I am a little over the 0% bracket capital gains. Nothing severe happens to me. Correct, not a big deal. Looks like I can take my income up to 53k. That way I use every inch of the 0% bracket and a...