Search found 3822 matches

by hudson
Sat Apr 10, 2021 3:13 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 45
Views: 2370

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: 23
Views: 1720

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: 19
Views: 1102

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: 53
Views: 3628

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: 58
Views: 4492

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: 6199

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: 8542

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: 3196

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: 4660

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: 4660

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: 3976

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: 24
Views: 4488

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: 4660

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: 4660

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: 2198

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: 57
Views: 6090

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: 3104

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: 2198

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: 1041

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: 2261

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: 2648

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: 3104

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: 2648

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: 1399

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: 9104

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: 204
Views: 16428

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: 6175

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: 1399

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: 2017

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 ...
by hudson
Fri Apr 02, 2021 7:53 am
Forum: Investing - Theory, News & General
Topic: What’s the correct diversification for high inflation?
Replies: 204
Views: 16428

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 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Do I keep 2 vehicles or 1 vehicle?
Replies: 27
Views: 2740

Re: Do I keep 2 vehicles or 1 vehicle?

I am seeking outside perspective on a vehicle scenario I have been presented with. I have the opportunity to purchase a 5 year old truck valued at 35k for 5k (approximately 85% off). The truck is well maintained and will last for many years. It has a gas guzzling motor and averages approximately 13...
by hudson
Fri Apr 02, 2021 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What to do with cash from home sale?
Replies: 17
Views: 1592

Re: What to do with cash from home sale?

We are about to sell our house and looking to rent for anywhere between 1-4 years. We will get about $600k for our home after fees. I expect our next home to cost approximately $1 million in a lower property tax state. What should we do with the $600k proceeds? I was thinking to take $75k and pay o...
by hudson
Fri Apr 02, 2021 7:34 am
Forum: Personal Consumer Issues
Topic: toyota sequoia vs toyota sienna safety
Replies: 44
Views: 2648

Re: toyota sequoia vs toyota sienna safety

We are in a market for a new car. Our family has 2 kids now + MIL. Wife is already set on 3rd kid and is secretly planning a 4th one :). We are in a market for large SUV due to safety concerns of smaller cars and in general need for space. At this point we are settled on Toyota and between Sienna a...
by hudson
Fri Apr 02, 2021 7:22 am
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 53
Views: 3628

Re: Laser Printer: Buy a New One?

Brother laser printers are highly recommended. I've been using them for around 5 years with no issues. You can get a nice, basic B&W Brother laser for <$100. At that cost, I wouldn't mess around with trying to repair the old printer. I agree! 20 years ago somebody gave me a commercial HP4050N l...
by hudson
Fri Apr 02, 2021 7:03 am
Forum: Personal Investments
Topic: short term strategy for a lot of cash
Replies: 29
Views: 3606

Re: short term strategy for a lot of cash

[*]will want to buy home in 1-4 years, price point around $700K[/list] What would you do with the cash, given the unknown date of the home purchase? Is it as simple as investing half of the cash according to the AA and just sitting on the other half for the future home purchase? Or would you do som...
by hudson
Thu Apr 01, 2021 3:37 pm
Forum: Personal Investments
Topic: TLH Muni Bonds VTEB&CMF to MUB&CMF
Replies: 17
Views: 1399

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?
Daily accrual: https://www.google.com/search?sitesearc ... rual+vwiux
by hudson
Thu Apr 01, 2021 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is auto purchase through Costco a good deal?
Replies: 12
Views: 1687

Re: Is auto purchase through Costco a good deal?

We are getting ready to buy a Subaru Crosstrek, no trade-in needed (giving our 9 year old low-mileage Impreza to our daughter so the 16 year old grandson won't have to learn on a 21 year old Toyota). The Costco buying program in our area has the dealer charging $2800 below the MSRP, after I listed ...
by hudson
Tue Mar 30, 2021 4:43 pm
Forum: Personal Investments
Topic: Using a TIPS fund as an LMP placeholder
Replies: 44
Views: 2532

Re: Using a TIPS fund as an LMP placeholder

Thanks FIREchief! Would you still go with TIPs even with the negative yield? I'll go with TIPS regardless of the yield curve. I've been 100% TIPS in my fixed income LMP for years now and it doesn't matter what the real rates do. "Everything" has negative real yields right now. Thanks FIRE...
by hudson
Tue Mar 30, 2021 4:21 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 636
Views: 163071

Re: My New Car Buying Tips

hoos09, Thanks for the update! What did you learn? What worked? If you had to buy another vehicle tomorrow, what would you do differently? This was my very first car purchase so I didn't know exactly what to expect, and I think having low expectations was helpful. I thought it was going to be much ...
by hudson
Tue Mar 30, 2021 11:52 am
Forum: Investing - Theory, News & General
Topic: LMP: Social Security, Inflation, and TIPS vs Nominals
Replies: 56
Views: 3553

Re: LMP: Social Security, Inflation, and TIPS vs Nominals

Hudson You could set up an LMP using LTPZ and VTIP. It is more expensive and you do need to rebalance. I do feel that it gives me some flexibility that the TIPS ladder does not. Watching the volatility of the long term TIPS is difficult sometimes. However, you are matching your duration to produce ...
by hudson
Tue Mar 30, 2021 11:49 am
Forum: Investing - Theory, News & General
Topic: LMP: Social Security, Inflation, and TIPS vs Nominals
Replies: 56
Views: 3553

Re: LMP: Social Security, Inflation, and TIPS vs Nominals

Artsdoctor, So if I was planning on doing a non rolling TIPS ladder for an LMP, your recommendation would be...ignore the torpedos, full speed ahead? Artsdoctor can give his answer, but mine would be that the whole point of an LMP is to take uncertainty out of the plan. In that sense there are no t...
by hudson
Tue Mar 30, 2021 11:46 am
Forum: Investing - Theory, News & General
Topic: LMP: Social Security, Inflation, and TIPS vs Nominals
Replies: 56
Views: 3553

Re: LMP: Social Security, Inflation, and TIPS vs Nominals

Hudson, As I was building my LMP, I didn't really see any torpedoes. Think of it along the same lines as purchasing an annuity: when you buy an annuity (let's stick with a SPIA for simplicity), you lock in your rate and income which can carry some risk. The same is true when you build your TIPS lad...
by hudson
Tue Mar 30, 2021 11:33 am
Forum: Personal Investments
Topic: Using a TIPS fund as an LMP placeholder
Replies: 44
Views: 2532

Re: Using a TIPS fund as an LMP placeholder

Thanks vineviz and watchnerd!
I did not know that that number/calculation even existed.
I need to dig in and learn it.
So, payouts less than 2.36% are negative?
The number to look at is T10YIE.
by hudson
Tue Mar 30, 2021 11:31 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 636
Views: 163071

Re: My New Car Buying Tips

hoos09,
Thanks for the update!
What did you learn? What worked?
If you had to buy another vehicle tomorrow, what would you do differently?
by hudson
Tue Mar 30, 2021 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48049

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

So, you’re making $115k/year and you get 180 days a year off (your words). That’s a really good salary! My employer can't seem to find anyone to hire these days. Perhaps it's that the median house costs around $2M where I teach and teachers don't get health benefits. To get a job where I work, all ...
by hudson
Tue Mar 30, 2021 11:15 am
Forum: Personal Consumer Issues
Topic: What to do with 20 year old Bosch Dishwasher
Replies: 33
Views: 2307

Re: What to do with 20 year old Bosch Dishwasher

You should have it gold plated - that is crazy - 20 years? My GE which was brand new - died last year. I'll blame the installer for its failure. My last Bosch died due to the control module frying - replaced it with a Sears - which I miss dearly. I never cared for the Bosch. I do like Harry though....
by hudson
Tue Mar 30, 2021 11:05 am
Forum: Personal Finance (Not Investing)
Topic: 200k Where do I put it for 12 months
Replies: 23
Views: 2632

Re: 200k Where do I put it for 12 months

This April I was going to build a summer cottage with 200k cash. Material prices are ski high so I’m going to wait a year. Where should I put the 200 right now? It’s in my Business checking earning 2%. I don’t want risk what’s the best rate with the least risk? Thanks Cesareoden, A summer cottage s...
by hudson
Tue Mar 30, 2021 10:01 am
Forum: Investing - Theory, News & General
Topic: LMP: Social Security, Inflation, and TIPS vs Nominals
Replies: 56
Views: 3553

Re: LMP: Social Security, Inflation, and TIPS vs Nominals

Artsdoctor,
So if I was planning on doing a non rolling TIPS ladder for an LMP, your recommendation would be...ignore the torpedos, full speed ahead?