Search found 816 matches

by Van
Mon Apr 19, 2021 5:25 pm
Forum: Investing - Theory, News & General
Topic: “Take risk on equity side”
Replies: 58
Views: 4780

Re: “Take risk on equity side”

I don't get it. There is no way to hold any bonds without taking some risk. There is risk associated with any kind of bond of any maturity. Just as there is risk associated with holding cash.
by Van
Wed Apr 14, 2021 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 125
Views: 12228

Re: How close to retirement age would you start to coast instead of grinding it out?

If you were not making your best concerted effort to do as good a job as you are capable of doing, would you feel OK in accepting your pay check? I know I would not.
by Van
Tue Apr 13, 2021 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Any happy lawyers out there?
Replies: 138
Views: 12798

Re: Any happy lawyers out there?

Happy Lawyer = Oxymoron
by Van
Tue Apr 13, 2021 2:57 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1085
Views: 49640

Re: Bird watchers – what birds are you seeing?

I'm not a birder, but I'm amazed at the barn swallows that return to our barn in Pennsylvania within a week or two of April 15. I understand that they winter in Argentina. Can you believe that??? They build nests in our horse barn, have their babies and then leave at the end of the summer for Argent...
by Van
Fri Apr 09, 2021 6:27 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

A sincere thank you to everyone that has replied so far. Lots of excellent suggestions, links and points to consider.
by Van
Fri Apr 09, 2021 4:45 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Nope, no check of alignment or wheel balance.
by Van
Fri Apr 09, 2021 5:26 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Yesterday I took my car to Creamery Tire, a large, well established tire shop in the area that has a very good reputation. Two folks, one a tire guy and one a mechanic, looked at and felt the tires. They both noted some uneven wear and a couple of choppy areas on 2 of the tires. At that point, both ...
by Van
Fri Apr 09, 2021 5:04 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

235/60R18 103V (front) and 255/55R18 105V (rear). Based on the speed ratings, they're NOT run flats. To make matters more confusing, ONLY some of the tires have the Pirelli Noise Cancelling System (PNCS). Do you see the PNCS imprint on the sidewall? https://www.tirerack.com/images/techCenter/tires/...
by Van
Thu Apr 08, 2021 7:56 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

bogledogle recommended Michelin Pilot Sport 4S as a much quieter option. After doing some research on this tire to confirm that it would probably be a quieter option, I was disappointed to find out that it is not available in the sizes on the front or rear of my car. 235/60R18 103V (front) and 255/5...
by Van
Thu Apr 08, 2021 5:18 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Re: point raised by Inbox788. My tires do NOT have RUN FLAT just after Verde. So, I think Pirelli makes a non-run flat and a run flat version of my Scorpion Verde All Season tires. The absence of that marking plus the fact that my car came with a spare tire and a jack would indicate that my tires ar...
by Van
Wed Apr 07, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Thanks everyone. Lots for me to consider. Some of you have suggested that my Pirelli Scorpion Verde All Season tires are run flat tires. This is news to me. I have a spare tire in the trunk and the hardware to change a flat tire. I thought this precluded having run flat tires as manufacturers puttin...
by Van
Wed Apr 07, 2021 7:29 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

The tires are not run flats. Tire pressures are correct, but I have not had the alignment checked.
by Van
Wed Apr 07, 2021 6:26 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

If it makes you feel any better, you've made a common mistake. Many people buy a Porsche because it's the dream and don't fully appreciate the compromises involved in a high performance vehicle with low profile tires and large wheels. They're loud, rough, and highly compromised for performance that...
by Van
Tue Apr 06, 2021 7:04 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Starfish wrote: Tue Apr 06, 2021 6:51 pm Did the noise increase in time? Was it quieter a year ago?
Yes, it was reasonably quiet a year or more ago.
by Van
Tue Apr 06, 2021 6:44 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

So far no one seems to think I will be able to get any satisfaction from the dealer. I bought this new.
by Van
Tue Apr 06, 2021 5:35 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3670

2019 Porsche Macan Excessive Tire Noise: Options?

I have a 2019 Porsche Macan which I bought new and like very much EXCEPT at 40 mph and above there is excessive tire noise. It really ruins what would otherwise be an enjoyable driving experience. The tires that came with the vehicle are Pirellli brand, not exactly a cheap tire. I only have 12,500 m...
by Van
Fri Mar 05, 2021 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Giving Retirement Notice - how did it go?
Replies: 133
Views: 13411

Re: Giving Retirement Notice - how did it go?

I was expecting a stronger encouragement to stay. :D
by Van
Tue Mar 02, 2021 7:52 am
Forum: Personal Investments
Topic: Fraudulent Vanguard security code phone call
Replies: 12
Views: 1757

Re: Fraudulent Vanguard security code phone call

A few times in the last couple of weeks, after pressing 1 to get the security code, it has been two people responding with the code. A woman and a man provide the code instead of the usual familiar female voice. The codes work, and as far as I know there have been no security issues with my account.
by Van
Sun Feb 28, 2021 7:35 am
Forum: Personal Finance (Not Investing)
Topic: File State Tax Return Now Or Just Before 4/15?
Replies: 12
Views: 1037

Re: File State Tax Return Now Or Just Before 4/15?

I guess I will just go ahead and file my state return just to get it off my mind. Apparently, there is no advantage in terms of scrutiny to waiting until close to 4/15. I won't be using TurboTax even though that's how I did my federal. TurboTax won't let me add a credit from 2019. I talked with 2 fo...
by Van
Sat Feb 27, 2021 9:46 am
Forum: Personal Finance (Not Investing)
Topic: File State Tax Return Now Or Just Before 4/15?
Replies: 12
Views: 1037

Re: File State Tax Return Now Or Just Before 4/15?

jebmke wrote: Sat Feb 27, 2021 9:29 am Likely won't matter. In my state, returns are selected for scrutiny based on filters about specifics on the return. Doesn't matter when you file.
Thanks for replying. Not the answer I was hoping for, but it is what I sort of expected. Perhaps your state is more sophisticated than mine. :D
by Van
Sat Feb 27, 2021 9:21 am
Forum: Personal Finance (Not Investing)
Topic: File State Tax Return Now Or Just Before 4/15?
Replies: 12
Views: 1037

File State Tax Return Now Or Just Before 4/15?

If you wait and file your state return just before 4/15 when presumably there is a deluge of returns hitting the department of revenue, will your return likely receive less scrutiny? It's not that I'm trying to get away with anything. I've experienced some difficulty in the past because of supplemen...
by Van
Sun Feb 21, 2021 8:17 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on traveling after vaccine?
Replies: 32
Views: 2390

Re: Anyone planning on traveling after vaccine?

My wife and I agreed many months ago that we will not get on an airplane untilafter we have been vaccinated. We are 70 & 79 years of age.
by Van
Thu Feb 18, 2021 5:08 pm
Forum: Personal Consumer Issues
Topic: What is your favorite non fiction book?
Replies: 142
Views: 8514

Re: What is your favorite non fiction book?

Letter to a Christian Nation by Sam Harris.
by Van
Thu Feb 18, 2021 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used CPA for taxes AND did them on their own to compare?
Replies: 58
Views: 5559

Re: Has anyone used CPA for taxes AND did them on their own to compare?

I used a CPA for many years as my return was a bit complicated with master limited partnerships and having sold a home in California with monthly payments to me over several years. I live in PA. Also, I was getting deferred compensation payouts. As things got simpler, I started doing TurboTax while ...
by Van
Sun Feb 14, 2021 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma Free Tax Filing
Replies: 12
Views: 957

Re: Credit Karma Free Tax Filing

Sounds interesting. I[ve already filed using TurboTax at about $110. I think I'll run my numbers through CK and see how it goes. If OK, I'll use it next year.

Any idea how it can be free? They must get money from somewhere.
by Van
Sun Feb 14, 2021 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma Free Tax Filing
Replies: 12
Views: 957

Re: Credit Karma Free Tax Filing

Forms and situations CK does not support: https://taxsupport.creditkarma.com/s/article/Forms-and-situations-Credit-Karma-Tax-does-not-support-US Thanks. The only non-supported form I might need is Form 1116, Foreign Tax Credit. The small amount involved that I would save might be less than what it ...
by Van
Sun Feb 14, 2021 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma Free Tax Filing
Replies: 12
Views: 957

Credit Karma Free Tax Filing

Has anyone had experience with Credit Karma? It is supposed to be totally free, and one can do both federal and state. Also, if you used H&R Block or TurboTax etc. last year, their website says you can download to their system. My taxes are only moderately involved. So that should not be an issue.
by Van
Sun Feb 14, 2021 2:47 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36312

Re: So what are you cooking

Valentines Day, so something special (I hope). Reverse sear prime rib. I did this method once and it was really good. Give it a try. This time I'm actually using a prime grade cut of prime rib. Most of what you buy is choice grade. I got it from Costco, and I never have tried their prime rib before.
by Van
Mon Feb 01, 2021 6:29 pm
Forum: Personal Consumer Issues
Topic: Anyone prefer their old golf clubs?
Replies: 54
Views: 4230

Re: Anyone prefer their old golf clubs?

It might be helpful if people supplied their handicap index with their posts. I can't imagine there are too many 15 plus handicaps that are still enamored with their 20 year old blades!
by Van
Mon Feb 01, 2021 11:02 am
Forum: Personal Consumer Issues
Topic: Anyone prefer their old golf clubs?
Replies: 54
Views: 4230

Re: Anyone prefer their old golf clubs?

gr7070 wrote: Mon Feb 01, 2021 10:02 am I finally got rid of my 80s Ping persimmon woods that have been in my garage, unused for an eternity.

And no, new tech far superior.
I'm just curious. Have persimmon woods in good condition become valuable?
by Van
Fri Jan 29, 2021 10:33 pm
Forum: Personal Consumer Issues
Topic: Anyone prefer their old golf clubs?
Replies: 54
Views: 4230

Re: Anyone prefer their old golf clubs?

I play with an old set of Callaway Big Bertha irons well over 10 years old. I keep trying to replace them with something newer and have tried many, many different irons. However, I have not found irons with a "wow" factor. Nothing that made me go "wow" these really are better tha...
by Van
Sun Jan 24, 2021 11:12 am
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

Re: No Love For Vanguard GNMA Fund. Why?

Apparently, a lot of bond investors are not put off by the 20% allotment to MBS in the Vanguard Total Bond fund. From what sycamore said, and confirmed by my quick exploration via Google, all MBS are subject to the negative convexity problems. It is not just GNMAs.
by Van
Sun Jan 24, 2021 10:09 am
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

Re: No Love For Vanguard GNMA Fund. Why?

Another option is Vanguard Short-Term Federal Fund . It contains a mix of various kinds of bonds . Some are mortgage-back securities -- most of the MBS appear to be Fannie Mae or Freddie Mac, but there is some Ginnie Mae as well. Also, not all of the bonds are guaranteed by the government but I wou...
by Van
Sun Jan 24, 2021 9:13 am
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

Re: No Love For Vanguard GNMA Fund. Why?

Sincere thanks again to everyone who replied. I think y'all have prevented me from making a mistake; I will look elsewhere to invest my "big bucks". Perhaps a mixture of Vanguard's Ultra-Short and Short-Term Investment Grade Bond funds?
by Van
Sat Jan 23, 2021 6:50 pm
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

Re: No Love For Vanguard GNMA Fund. Why?

Thanks everyone for the replies so far. You folks are the best!
by Van
Sat Jan 23, 2021 6:00 pm
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

Re: No Love For Vanguard GNMA Fund. Why?

I'm about to put some "big bucks" in the GNMA fund. Please tell me why I'm out in left field. I assume that you are tempted by the higher yield? Do you understand how GNMAs work? Remember, there is no free lunch. The risk-free rate is ~0% at the moment. Thanks for the reply, Can you pleas...
by Van
Sat Jan 23, 2021 3:40 pm
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

Re: No Love For Vanguard GNMA Fund. Why?

Damn. Bonds are complicated. I wish CDs were paying better!
by Van
Sat Jan 23, 2021 2:36 pm
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

Re: No Love For Vanguard GNMA Fund. Why?

Thanks sport. What you said makes a whole lot on sense and definitely gives me pause. Was what you wrote an explanation of negative convexity or is that something different?
by Van
Sat Jan 23, 2021 2:32 pm
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

Re: No Love For Vanguard GNMA Fund. Why?

Thanks Nisi for your thoughtful (as usual) and detailed (as usual) reply. However, you have not convinced me that the Total Bond Fund is a better choice right now than the GNMA Fund. Perhaps there is "convexity" risk with GNMAs, but not with other bonds. I don't know exactly what that is o...
by Van
Sat Jan 23, 2021 1:33 pm
Forum: Personal Investments
Topic: No Love For Vanguard GNMA Fund. Why?
Replies: 48
Views: 5097

No Love For Vanguard GNMA Fund. Why?

I see almost nothing on this forum about VFIJX (Vanguard GNMA Fund), whereas VBTLX (Vanguard Total Bond) gets hashed over and over. Please explain to me why that is. The 2 funds have almost identical SEC yields (1.09% VFIJX; 1.08% VBTLX) and the same Risk Potential rating of 2 by Vanguard. The durat...
by Van
Mon Jan 18, 2021 7:23 am
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 168
Views: 16559

Re: who do you bank with and why?

Who? Wells Fargo. Why? Inertia.

I can't say anything positive about Wells Fargo, but it would be a hassle to change to another bank (direct deposits, transfer arrangements etc.).
by Van
Thu Jan 14, 2021 5:36 pm
Forum: Personal Consumer Issues
Topic: Angel Flights: An appreciation
Replies: 15
Views: 1839

Re: Angel Flights: An appreciation

A very good friend of mine has a plane and flies folks for Angel Flight East. What a great organization. I have been making charitable contributions to Angel Flight East for years. Please give them consideration when you feel inclined to donate to a very worthy, but not widely known, organization.
by Van
Tue Jan 05, 2021 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay your taxes? Check or EFTPS?
Replies: 80
Views: 4831

Re: How do you pay your taxes? Check or EFTPS?

So, am I the only one that did not know you can make estimated tax payments with a credit card? Is it straight forward, or is some preliminary step required? You pay through one of the 3 IRS approved vendors, but it’s very simple. Just google “pay estimated taxes credit card” and you will see a lin...
by Van
Tue Jan 05, 2021 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay your taxes? Check or EFTPS?
Replies: 80
Views: 4831

Re: How do you pay your taxes? Check or EFTPS?

So, am I the only one that did not know you can make estimated tax payments with a credit card?

Is it straight forward, or is some preliminary step required?
by Van
Sun Jan 03, 2021 7:52 am
Forum: Personal Consumer Issues
Topic: What meaningful activities are you doing in retirement today with your free time?
Replies: 68
Views: 7284

Re: What meaningful activities are you doing in retirement today with your free time?

I do one meaningful activity for myself. Every Monday, Wednesday and Friday, first thing after having coffee, I exercise for just under an hour. Sometimes I struggle with myself thinking of little excuses for not getting started. However, it's very seldom that those inner demons win the battle. I'm ...
by Van
Thu Dec 31, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: 2020 and 2021 Boglehead Contests
Replies: 43
Views: 3217

Re: 2020 and 2021 Boglehead Contests

A 24.7% drop today would put me in the winners circle. Anyone pulling for me? Absent a global thermonuclear war that starts in the next 90 minutes, I think you won’t be this years’ winner. Better luck next year. Remember - stonks only go up. :D I'm going to search Vanguard to see if there is a ston...
by Van
Thu Dec 31, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: 2020 and 2021 Boglehead Contests
Replies: 43
Views: 3217

Re: 2020 and 2021 Boglehead Contests

A 24.7% drop today would put me in the winners circle. Anyone pulling for me?
by Van
Tue Dec 22, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting my Assets
Replies: 73
Views: 2831

Re: Dating & Protecting Wealth

Nothing wrong with a prenup. You will learn a lot about the person when you raise the issue.
by Van
Sat Dec 19, 2020 6:54 am
Forum: Personal Finance (Not Investing)
Topic: What is the Worst Financial Decision/Mistake You Have Made?
Replies: 230
Views: 18495

Re: What is the Worst Financial Decision/Mistake You Have Made?

I should have had a much higher allocation to stocks during my working, younger, years.