Search found 3841 matches

by hudson
Mon Apr 19, 2021 7:41 pm
Forum: Personal Investments
Topic: $1,000,000 In An Ally Savings Account?
Replies: 42
Views: 4961

Re: $1,000,000 In An Ally Savings Account?

traveling_salesman wrote: Mon Apr 19, 2021 7:20 pm But ... why not just buy the right treasury note and hold to maturity?
10 month treasuries are paying .05%
10 month brokered CDs are paying .10%
Live Oak Bank is paying .6%
by hudson
Sun Apr 18, 2021 10:50 am
Forum: Personal Investments
Topic: What is meant by "Get Out of Bonds" ??
Replies: 21
Views: 2313

Re: What is meant by "Get Out of Bonds" ??

All of the "Financial Pundits" today say the 60/40 portfolio is NOT the optimal Stock/Bond allocation for the average retiree (or approaching retirement) since Bond rates are so abysmal and expected to stay that way for many years. That said... a few questions please: 1) What Bond nvestme...
by hudson
Sun Apr 18, 2021 8:34 am
Forum: Personal Finance (Not Investing)
Topic: “Running the Numbers”
Replies: 26
Views: 2289

Re: “Running the Numbers”

Hello all, I have been listening to a fellow named Jim Lange who is on You Tube. He is a attorney and a CPA. He does financial planning and offers to “run the numbers” relative to a individual or family financial situation and where you stand in regards to retirement. This would include things like...
by hudson
Sun Apr 18, 2021 8:07 am
Forum: Personal Finance (Not Investing)
Topic: New vs used car in a strong used car market
Replies: 41
Views: 3102

Re: New vs used car in a strong used car market

I'm in the market for a Honda CR-V as a gift to our adult child entering grad school. Ordinarily in such a situation, I'd buy used. But I see that 1-2 yr old Hondas are very close in price to new, in some cases only $1000 less. Even 5-6 yr old Hondas are only 75% of new prices. (These prices are fr...
by hudson
Sat Apr 17, 2021 8:32 pm
Forum: Investing - Theory, News & General
Topic: Is the potential upside in munis worth the downside?
Replies: 14
Views: 1383

Re: Is the potential upside in munis worth the downside?

Many of us, especially in high tax brackets and high tax states, use munis in our taxable accounts as a relatively safe and stable investment option. The downsides of munis have been discussed in great detail and most would agree that munis (specifically national muni bond funds) are generally very...
by hudson
Sat Apr 17, 2021 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7204

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

here is my experience 3 cars all paid with check carmax was the best they called our credit union and the CU stated how much was in our account. Very easy no problems Mazda dealer ahead of time told them I would pay by check they said ok, then they wanted to run our credit but it was frozen and we ...
by hudson
Sat Apr 17, 2021 2:02 pm
Forum: Personal Investments
Topic: Lower bond percentage after you won the game?
Replies: 62
Views: 7323

Re: Lower bond percentage after you won the game?

There's no right or wrong answer to this. The situation itself is pretty clear, and what's odd is that people don't see it, and persist in thinking their personal tastes are objectively correct and keep projecting them onto others. Some people have increasing relative risk aversion. That means they...
by hudson
Fri Apr 16, 2021 7:51 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5941

Re: Best 4 wheel drive vehicle

Just as a heads up, breakover angle is quite often the limiting angle in my decade of experience. It's why one of the highest value offroad additions is a thick (i.e. 3/16''+) steel skid plate that goes over the transmission/transfercase. Useful posts! thanks! Does the Rubicon 392 have the steel sk...
by hudson
Thu Apr 15, 2021 10:09 am
Forum: Investing - Theory, News & General
Topic: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGAs.
Replies: 42
Views: 5578

Re: Your bond fund should have barely enough for reasonable rebalancing. The rest of your fixed income should be in MYGA

Stinky wrote: Wed Apr 14, 2021 4:38 pm
peke9898 wrote: Wed Apr 14, 2021 4:29 pm How one go about buying MYGA in MA?
There are a number of online sources.

Go to blueprintincome.com
Thanks Stinky,

B++ MYGA for my state pays 2.8% for 5 years.
B+ MYGA pays 3% for 5 years
I wouldn't go over my state guarantee association's max.
by hudson
Thu Apr 15, 2021 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7204

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

Why are you folk so reluctant to let the dealer do a hard pull? I agree. I would not care if a dealer did a hard pull. I would want the dealer to know that I had a good rating. I think that a hard pull will drop a credit score for a month or so and then return. If you have a good credit score, I th...
by hudson
Thu Apr 15, 2021 9:17 am
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 351
Views: 24317

Re: "Nobody's ever regretted paying off the mortgage."

Early on, my plan was to go into retirement debt free. I almost had my mortgage paid off in 1978; then there were children. Then there was college and a home equity loan. When the kids left we started doubling up on payments. We finally cleared all debt years later while we were still working. I dec...
by hudson
Wed Apr 14, 2021 5:50 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5941

Re: Best 4 wheel drive vehicle

The short answer is for true off-roading there are really only a handful of choices. Jeep wenagler/gladiator Mercedes g wagen (but I wouldn’t take it off-road for fear of damage) Ford bronco (designed for it but untested in the wild) If the size of the trail isn’t a problem you can probably add the...
by hudson
Tue Apr 13, 2021 5:55 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5941

Re: Best 4 wheel drive vehicle

Buy a used Toyota Landcruiser.. .I live on the beach and have pulled stuck Jeeps out with mine....off road is their jam...bulletproof and reliable as you can ever get...get a used one with 125-150K on it...spend 3K to have it all gone over and boom...you are good for another 100-125K easy with only...
by hudson
Mon Apr 12, 2021 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Coming out of being debt free - ??
Replies: 14
Views: 1284

Re: Coming out of being debt free - ??

fuddbogle, In your situation, you will be fine. A good friend bought a big house with a VA loan when he was in his 70s. It worked out. That would have given me heartburn. My plan was always to have the house and student loans cleared before I retired. If I were in your shoes, I would have a plan to ...
by hudson
Mon Apr 12, 2021 11:31 am
Forum: Personal Consumer Issues
Topic: Would (did) you preemptively replace your Roof Shingles
Replies: 51
Views: 3476

Re: Would you preemptively replace your Roof

If your roof is nearing the end of it's estimated useful life, would you (have you) preemptively replace(d) it? Seems risky to wait for it to fail and run the risk of incurring additional expenses relating to fixing the damage from the failure. Some seem to suggest damage would be covered by insura...
by hudson
Mon Apr 12, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5941

Re: Best 4 wheel drive vehicle

First I’ll start by saying that this is not a very boglehead purchase :| We’re thinking of getting a 4x4 vehicle , primarily so we can drive off-road on sand for surf casting and exploring. (In other words, 4 wheel drive is a must and AWD will not cut it). We’re a family of 4, with kids in car seat...
by hudson
Sun Apr 11, 2021 11:01 am
Forum: Personal Investments
Topic: Tips ladder for retiree
Replies: 15
Views: 1300

Re: Tips ladder for retiree

No nothing exotic! but here's another take on it from boglehead 209south from this thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=208222 1. social security - deferred 'til age 70 but then an inflation-protected annuity for life 2. TIPs ladder within my IRAs to deal with RMDs from...
by hudson
Sun Apr 11, 2021 8:59 am
Forum: Personal Investments
Topic: Buy more bonds now or wait?
Replies: 26
Views: 5414

Re: Buy more bonds now or wait?

Thank you all for the many ideas. Hudson, I may go ahead and get the Swedroe bond book https://www.amazon.com/Only-Guide-Winning-Strategy-Youll/dp/0312353634. I’ll start with the free part I can read online! Yes! I got my money's worth out of the book. I also got a good feel for fixed income. My fa...
by hudson
Sun Apr 11, 2021 6:49 am
Forum: Personal Investments
Topic: Life Savings in Cash--Need Advice
Replies: 27
Views: 4306

Re: Life Savings in Cash--Need Advice

Here’s my situation… I have 523K in cash . 65K in 403b 65K in Roth IRA 393K in bank. (House paid for; 200K value) Age 45; could retire at 56, but will work longer if healthy. Salary 75K; 0 debt. 1K month expenses; very frugal. I feel like a total dummy for missing the greatest bull market in histor...
by hudson
Sat Apr 10, 2021 3:13 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 2940

Re: walking shoes with wide toes?

Merrill Moabs come in wide sizes, and the high top version is wider than the low cut version. After much searching, they are the only ones I could find that were wide enough for my wide toes. Same here...Merrell Men's Moab 2 Mid Waterproof Hiking Boot... I use high tops for the trail and low cuts f...
by hudson
Sat Apr 10, 2021 7:37 am
Forum: Personal Consumer Issues
Topic: Gardening 2021
Replies: 30
Views: 2530

Re: Gardening 2021

zone 7b....It's dry enough that I made 2 passes with my tiller.
I learned the hard way not to plant any tomatoes or cukes until May 1.
I've been gardening in this spot for decades.
When will frost go away for you?

https://davesgarden.com/guides/freeze-frost-dates/#b
by hudson
Sat Apr 10, 2021 5:27 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

Dept of Wild Ideas: two 20-gallon heaters, in series? But there isn't really enough room on the other side due to the sink drain, and it would mean running connecting pipes every which way. Not to mention doubling the cost. Extreme solution: rip out the existing counter and sink, install the new he...
by hudson
Fri Apr 09, 2021 12:28 pm
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 54
Views: 3878

Re: Laser Printer: Buy a New One?

I have an HP LaserJet 4 Plus that I purchased new in 1994 for about $1500 that is still in relatively good working order. That whole series (4/4 Plus, 5/5+, 4000/4050, 4100/4150, 4200/4250, 4300/4350) were all beasts. I got a 4100 for free when it was being retired from a bank after 10 years and 12...
by hudson
Fri Apr 09, 2021 6:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
Replies: 62
Views: 5346

Re: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card

SaveMor, Thanks! That's useful information. Alliant savings is paying .55%. What about Fidelity's 2% Visa? It's my go to daily card. I like it, and I'm staying. If Fidelity asked me how to make it better... Immediately list online payments under pending transactions. Now it can take a day or more. Y...
by hudson
Thu Apr 08, 2021 8:38 am
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6297

Re: How much cash do you really hold?

My plan is to hold $20K in a high yield savings account to solve unexpected problems. I like for the money to be available on the same business day. Amex Bank does that. Do I count it as part of my portfolio? yes I'm making .5% on the $20K; I could be making 2% (federal tax free!) in a muni fund, so...
by hudson
Wed Apr 07, 2021 4:19 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 101
Views: 8608

Re: What is your contrarian/alternative play?

I wouldn’t count myself a contrarian. But some thoughts that I have, that aren’t universally held, are... 1. Still not sure about international. I fantasize about having all of my assets in VSMGX, but alternately just want to stuff it in VBIAX. 2. I am totally comfortable with the 4% SWR. But i wil...
by hudson
Wed Apr 07, 2021 7:01 am
Forum: Personal Consumer Issues
Topic: The best $10,000 to $15,000 vehicle.
Replies: 42
Views: 3314

Re: The best $10,000 to $15,000 vehicle.

AverageBear, I use a local used car dealer that I know and trust. I tell him what my wants are. I recently asked about a low mileage Toyota Corolla that has new safety features and a backup camera. I wanted the price to be under $15K. He said that he would see what he could do. He called me a week l...
by hudson
Wed Apr 07, 2021 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Your recommended banks for High Yield Savings & CDs
Replies: 46
Views: 4729

Re: Your recommended banks for High Yield Savings & CDs

The sounds like so much work for such a small return. Good point! How much do you gain annually moving from a .4% savings account to a .6% savings account? $10K $20 $30K $60 $250K $500 before tax :) If you have easy transfer set up between 2 banks, it only takes a few clicks. Thanks to the discussi...
by hudson
Wed Apr 07, 2021 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Your recommended banks for High Yield Savings & CDs
Replies: 46
Views: 4729

Re: Your recommended banks for High Yield Savings & CDs

db55 wrote: Tue Apr 06, 2021 9:31 pm
hudson wrote: Mon Apr 05, 2021 5:40 pm
Check Live Oak Bank of Wilmington, NC: https://www.liveoakbank.com/personal-banking/
Have you used Live Oak Bank? If so, was it a good experience?

Thanks
Yes and Yes...just their high yield savings account.
by hudson
Wed Apr 07, 2021 5:57 am
Forum: Personal Investments
Topic: How should I invest cash just sitting in the bank?
Replies: 27
Views: 4086

Re: How should I invest cash just sitting in the bank?

william.don wrote: Tue Apr 06, 2021 8:04 pm
If I was still working, I would max out all tax advantaged opportunities including ibonds.
Here are my fixed income thoughts in another discussion:
https://www.treasury.gov/resource-cente ... data=yield
by hudson
Wed Apr 07, 2021 5:47 am
Forum: Personal Investments
Topic: Buy more bonds now or wait?
Replies: 26
Views: 5414

Re: Buy more bonds now or wait?

First post here, have learned a lot from other posters - Thanks! I have fairly basic investment knowledge , Bogle type portfolio with one caveat: bonds. I am about 55/18/27 (cash). I am probably 2 - 5 yrs from retirement. I have been avoiding buying a full complement of bond funds, I had CDs and HY...
by hudson
Tue Apr 06, 2021 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Your recommended banks for High Yield Savings & CDs
Replies: 46
Views: 4729

Is there a better deal...High Yield Savings?

Live Oak Bank
0.60%

Goldman Sachs
0.50%

Ally Bank
0.50%

Synchrony Bank
0.50%

Capital One 360
0.40%

American Express
0.40%
by hudson
Mon Apr 05, 2021 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Your recommended banks for High Yield Savings & CDs
Replies: 46
Views: 4729

Re: Your recommended banks for High Yield Savings & CDs

Hi, I'd like to get feedback on which banks are giving decent rates AND you've had good experiences with - and which banks should be avoided. I'm looking for a High Yield Savings account yield of 0.50% and/or an 18-month CD rate of 0.60-0.65%. I've had pretty good experiences with Ally, GS Bank (Ma...
by hudson
Mon Apr 05, 2021 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Which life insurance to get? Work vs. personal policy
Replies: 34
Views: 2307

Re: Which life insurance to get? Work vs. personal policy

In my case, a personal life insurance policy was less expensive than my employers . Because of this, I went with my own personal policy. I think even if it was more expensive I would’ve considered a personal policy because of concerns of losing it if I lose my job. Once my son reached 18 and I knew...
by hudson
Mon Apr 05, 2021 9:08 am
Forum: Personal Investments
Topic: Lower bond percentage after you won the game?
Replies: 62
Views: 7323

Re: Lower bond percentage after you won the game?

Thanks, everyone, for your replies. What I've gotten out of this is thread so far: 1 - Don't count your chickens before they're hatched. But it is reasonable to make plans for probable scenarios. 2 - Need, Ability, and Willingness to take risk are all important. My investing lifetime has been only ...
by hudson
Mon Apr 05, 2021 7:19 am
Forum: Personal Consumer Issues
Topic: Do maintenance free car batteries last as long in warm/hot climates?
Replies: 53
Views: 3155

What to look for when buying a battery

Battery selection: Maybe browse around in this discussion on vehicle batteries: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=301581&p=4982046&hilit=cca#p4982046 AGM or regular batteries? https://www.bogleheads.org/forum/viewtopic.php?p=4977507#p4977507 What about the red/green a...
by hudson
Sun Apr 04, 2021 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Which life insurance to get? Work vs. personal policy
Replies: 34
Views: 2307

Re: Which life insurance to get? Work vs. personal policy

datascientistdude, I did work insurance and 20 year term. For the work insurance, I stayed within the sweet spot. When I got older and the cost got too high, I dropped it. I also held 20 year term. I shopped around on the internet and found the best deal. I held it about 10 years. I cancelled it a f...
by hudson
Sun Apr 04, 2021 3:54 pm
Forum: Personal Investments
Topic: Where to go for cash position returns ?
Replies: 15
Views: 1043

Re: Where to go for cash position returns ?

In out current low interest environment. Where do we go ? It depends. 10 year treasuries/TIPS 10 year CDs Go longer if the average duration of your holdings is in line with your investment horizon. VWIUX and intermediate muni fund paid 2.13% annualized on April 1. Best available CD High Yield Savings
by hudson
Sun Apr 04, 2021 6:41 am
Forum: Personal Investments
Topic: What is in your IPS?
Replies: 25
Views: 2285

Re: What is in your IPS?

Would anyone care to share the type of content their IPS? Thanks Poppy1234! Your discussion helped me remember to update my plan! IPS: Investment Plan Statement No debt No stocks Low expense ratio funds/etfs...below .1 as possible CDs (FDIC/NCUA) Treasuries High Yield Savings (FDIC/NCUA) AAA/AA/A M...
by hudson
Sat Apr 03, 2021 10:17 am
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2675

Re: toyota sequoia vs toyota sienna safety

Drive both. Get whichever you prefer. Sure the sequoia has the advantage with weight and height as well as towing but with obvious tradeoff in mpg. I’ve been in/driven both and own a 2017 sequoia...wife and kids have been giving the “minivan” a hard NO for quite some time. I can’t say I totally dis...
by hudson
Sat Apr 03, 2021 9:24 am
Forum: Personal Consumer Issues
Topic: Do maintenance free car batteries last as long in warm/hot climates?
Replies: 53
Views: 3155

Re: Do maintenance free car batteries last as long in warm/hot climates?

My batteries almost always last more than 4 years in the yellow zone https://www.e46fanatics.com/threads/battery-life-expectancy-map.1244709/ (Thanks iamblessed!) I used to make batteries last as long as possible. Now, for daily drivers, I replace at about 48 months. For a "sometimes driver&quo...
by hudson
Sat Apr 03, 2021 8:56 am
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2675

Re: toyota sequoia vs toyota sienna safety

The lug nut rule is in effect here. The vehicle with the most lug nuts wins. :) +1 Now this is something I haven't heard! j :D [/quote] Not that long ago, I heard it for the first time from a female co-worker. She grew up in farm country and she drove one of the older Suburbans still built on a tru...
by hudson
Sat Apr 03, 2021 4:45 am
Forum: Personal Investments
Topic: TLH Muni Bonds VTEB&CMF to MUB&CMF
Replies: 17
Views: 1408

Daily Accrual's Impact....low

FoolStreet, VWIUX (national intermediate muni) is a good fund to hold when doing TLH because it is daily accrual. I don't believe that the ETF muni funds are. I don't know how much difference that makes?\ ETFs do not accrue dividends daily; if you own the ETF on the record date, you get the whole m...
by hudson
Fri Apr 02, 2021 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9298

Re: Do you trust the current value of your portfolio?

I will be using a 3% withdrawal rate initially. It does not mean that I do not trust the 4% rule. My problem with all SWR is that the base (the expenses) is difficult to estimate. I know how much I may spend, but I don't know how much I want to spend. It looks like you're doing your homework and yo...
by hudson
Fri Apr 02, 2021 8:46 am
Forum: Investing - Theory, News & General
Topic: What’s the correct diversification for high inflation?
Replies: 214
Views: 17929

Re: What’s the correct diversification for high inflation?

I suspect many here have a version of the 3 fund portfolio. Are there any specific tilts or alternations to this portfolio which would help reduce risk in an environment of United States high inflation? (I mistakenly used the term hyperinflation, and have now edited to more accurately ask my intend...
by hudson
Fri Apr 02, 2021 8:36 am
Forum: Personal Investments
Topic: How can my father see the light?
Replies: 53
Views: 6198

Re: How can my father see the light?

Yes but at the same time he WILL be my business at some point in the either near -depending on how well his portfolio does-, or distant future. And health matters aside... So I think I’ve got enough skin in the game to have at least some involvement. Thus trying to figure out how to at least take b...
by hudson
Fri Apr 02, 2021 8:26 am
Forum: Personal Investments
Topic: TLH Muni Bonds VTEB&CMF to MUB&CMF
Replies: 17
Views: 1408

Re: TLH Muni Bonds VTEB&CMF to MUB&CMF

FoolStreet, VWIUX (national intermediate muni) is a good fund to hold when doing TLH because it is daily accrual. I don't believe that the ETF muni funds are. I don't know how much difference that makes?\ ETFs do not accrue dividends daily; if you own the ETF on the record date, you get the whole m...
by hudson
Fri Apr 02, 2021 8:23 am
Forum: Personal Consumer Issues
Topic: Resole hiking boots?
Replies: 40
Views: 2044

Re: Resole hiking boots?

The soles of my Danner hiking boots recently started de-laminating from the leather upper. Danner says that they cannot resole the boots, but that "I might get it done locally." I've certainly gotten my money's worth from this pair, but I hate to just toss them as the uppers are in great ...