Search found 7442 matches

by midareff
Wed Apr 14, 2021 1:03 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: 62
Views: 5011

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

In 2018 I special ordered a vehicle from an out of town dealer and provided an order deposit of $5K by 2% cash back Visa. The car arrived 3.5 months later and I pulled a cashiers check payable to me to sign off at the dealer if all was OK. They said they couldn't accept it as it was a third party ch...
by midareff
Wed Apr 14, 2021 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 80
Views: 6811

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

FWIW, I retired 10 years ago @ 64 years of age. I had always been in stressful positions and worked long hours my entire working career. It was also no secret that my long term assistant was going to be promoted into my position when I left. The specialized knowledge requirements made it that way. I...
by midareff
Tue Apr 06, 2021 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 20668

Re: How much do you spend annually in retirement?

I use the VPW drawdown percentage as a guide and then think about differences in abilities to travel (pre-Covid) and then realize the clock is going tic toc and .... restarting travel at the end of this year and expecting to be traveling again internationally in 12 + months from now I am spending al...
by midareff
Tue Apr 06, 2021 8:21 am
Forum: Personal Investments
Topic: Bonds vs Cash in a very low interest rate world
Replies: 51
Views: 6686

Re: Bonds vs Cash in a very low interest rate world

Other than that cash is costly.... it costs money to the IRS to get it, its return is shared with the IRS and it looses ground to inflation. You could replace "cash" with "bond" and the statement above would still be true, in the current interest rate environment (ignoring munis...
by midareff
Mon Apr 05, 2021 1:06 pm
Forum: Personal Consumer Issues
Topic: Best Password Protection Method?
Replies: 15
Views: 1364

Re: Best Password Protection Method?

I've been using LastPass for quite a few years. I've only got 2 long passwords to remember. The one for LastPass and the one for Folder Locker.
by midareff
Mon Apr 05, 2021 1:03 pm
Forum: Personal Investments
Topic: Bonds vs Cash in a very low interest rate world
Replies: 51
Views: 6686

Re: Bonds vs Cash in a very low interest rate world

I don't know anything Jim.... I subscribe to the nobody knows nothing theory, specifically including me. OTOH, I don't see how the Fed can dump money into an economy and not create some degree or form of inflation, expected or not. Velocity is the relation between the money supply and the economy. ...
by midareff
Mon Apr 05, 2021 9:26 am
Forum: Personal Investments
Topic: Bonds vs Cash in a very low interest rate world
Replies: 51
Views: 6686

Re: Bonds vs Cash in a very low interest rate world

When a market crash inevitably happens you may have wished you kept the bonds instead of substituting for cash That depends on the type of bond in question. That may depend on the cause of the crash. If it is a huge equity value drop due a combination of a jump in inflation, increased tax rates and...
by midareff
Mon Apr 05, 2021 9:19 am
Forum: Personal Investments
Topic: Bonds vs Cash in a very low interest rate world
Replies: 51
Views: 6686

Re: Bonds vs Cash in a very low interest rate world

Right now cash held in a bank account is emergency money and a monthly float for expenses that may not coincide exactly with monthly income. High yield savings now are at .5% typically and then you deduct you tax rate from the interest.... then roughly 1.5% for inflation. At least in an inflationar...
by midareff
Sun Apr 04, 2021 6:16 pm
Forum: Personal Investments
Topic: Bonds vs Cash in a very low interest rate world
Replies: 51
Views: 6686

Re: Bonds vs Cash in a very low interest rate world

Right now cash held in a bank account is emergency money and a monthly float for expenses that may not coincide exactly with monthly income. High yield savings now are at .5% typically and then you deduct you tax rate from the interest.... then roughly 1.5% for inflation. At least in an inflationary...
by midareff
Sun Apr 04, 2021 5:46 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93701

Re: What are you listening to now

Delbert McClinton .... Blues guy
by midareff
Sun Apr 04, 2021 7:59 am
Forum: Personal Consumer Issues
Topic: Uber ride — how to be sure windows will open?
Replies: 17
Views: 1917

Re: Uber ride — how to be sure windows will open?

I recently ordered an Uber only to learn that the backseat windows did not open. I think they were not designed to open, it wasn’t that they were not working. I cannot think of a normal 4-door car with no window controls but possible I guess. Just contact the driver from the app once they accept th...
by midareff
Fri Apr 02, 2021 5:32 pm
Forum: Personal Consumer Issues
Topic: recommendation for an online computer back up plan?
Replies: 9
Views: 574

Re: recommendation for an online computer back up plan?

I bought a laptop to back up my desktop which is in addition to multiple hard drive backups. In essence; desktop is a Samsung 27" panel all in one with SSD and high performance chips and graphics. It is a Win 10 box I use for everyday stuff, financial stuff and photo work. It is hard wired to o...
by midareff
Wed Mar 31, 2021 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Spending money and living now VS saving and living better later?
Replies: 82
Views: 17302

Re: Spending money and living now VS saving and living better later?

Hey gang, Been having some thoughts about living your life now, verses taking the back seat - being more cautious and frugal finacially, and saving for a hopeful earlier retirement to "live" and "play" when it eventually happens. I look at myself and I think I'm a pretty dedicat...
by midareff
Wed Mar 31, 2021 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: How much retirement notice to give
Replies: 66
Views: 3663

Re: How much retirement notice to give

Your age isn't a secret and since you have a succession plan in place I wonder why she would ask for a year. Is that her way of disagreeing with your plan and signalling she wants an outside recruitment? If you are in a valuable management position and have been with the company for 20 years I would...
by midareff
Tue Mar 30, 2021 7:54 am
Forum: Personal Consumer Issues
Topic: Fidelity Study on Retirement
Replies: 18
Views: 2065

Re: Fidelity Study on Retirement

If we can include travel plans that didn't happen it most certainly threw ours off. If we include all the restaurant meals we didn't get to go out for certainly yes. If we include the binge watching depressions in the couch.. LOL. If I get to include all the catching up I was able to do for listenin...
by midareff
Tue Mar 30, 2021 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Did you review your closing documents ahead of closing?
Replies: 31
Views: 2147

Re: Did you review your closing documents ahead of closing?

That's my closing attorney's job. He always seems to find a few thousand dollars in there somewhere.
by midareff
Mon Mar 29, 2021 9:01 am
Forum: Personal Finance (Not Investing)
Topic: 200k Where do I put it for 12 months
Replies: 23
Views: 2635

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

Cesareoden wrote: Sun Mar 28, 2021 9:11 pm 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
You already have it @ 2%.
by midareff
Mon Mar 29, 2021 8:54 am
Forum: Investing - Theory, News & General
Topic: Muni funds in a rising interest rate environment
Replies: 15
Views: 1450

Re: Muni funds in a rising interest rate environment

Do you care about the market value of your muni funds? Short of an unlikely catastrophe, I don't. Rising interest rates will reduce market value but not income flow. In the longer term (depending on the fund's duration) income flow will increase as older bonds are replaced by new and higher-yieldin...
by midareff
Sun Mar 28, 2021 6:06 pm
Forum: Investing - Theory, News & General
Topic: Muni funds in a rising interest rate environment
Replies: 15
Views: 1450

Re: Muni funds in a rising interest rate environment

Do you care about the market value of your muni funds? Short of an unlikely catastrophe, I don't. Rising interest rates will reduce market value but not income flow. In the longer term (depending on the fund's duration) income flow will increase as older bonds are replaced by new and higher-yieldin...
by midareff
Sun Mar 28, 2021 8:02 am
Forum: Personal Investments
Topic: Portfolio simplication and what to do about unrealized cap gains?
Replies: 20
Views: 1149

Re: Portfolio simplication and what to do about unrealized cap gains?

I am in early retirement and very comfortable financially. I want to simplify my portfolio to make my life less complicated plus make it easier for the wife if I predecease her. I have most of my holdings in total stock market, dividend growth fund, mid cap index, and international dividend appreci...
by midareff
Sun Mar 28, 2021 7:58 am
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22379

Re: What is an average retirement a/c worth in America ?

I'm looking for some reassurance, and to better manage my expectations. My family's networth is less than a million (not counting my daughter's Coverdell). I see posts here from people in their 30s with 1.5 million in investments, people in their 20s with 6 figures in assets etc, "windfalls&qu...
by midareff
Sat Mar 27, 2021 1:52 pm
Forum: Personal Consumer Issues
Topic: Car in Hawaii For One Year
Replies: 35
Views: 2270

Re: Car in Hawaii For One Year

A close relative is going to Hawaii for 1 year for work. His employer will pay to ship his Pennsylvania-registered car both ways. Hawaii says he can do that and maintain his PA registration for that period, but must have front and back license plates. PA only issues one (rear) plate. What’s the eas...
by midareff
Sat Mar 27, 2021 8:51 am
Forum: Personal Investments
Topic: Question to current retirees
Replies: 14
Views: 2124

Re: Question to current retirees

Retired about to start year ten. 2019 and 2020 have been difficult due to health issues (resolved) and Covid protection protocols but we are ready to go again now and have restarted dining out a couple times a week. Next cruise in December this year and four more to follow, three in 2022 and one boo...
by midareff
Sat Mar 27, 2021 8:22 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93701

Re: What are you listening to now

He's excellent. :happy You listen to any Bernard Allison? I do now! He's excellent. I like the tone of his guitar. I see he's based in France although born in Chicago. :beer https://www.youtube.com/watch?v=lbAAU-1A4rc Tidal has a ton of both of them. Nice. I just pulled up Allison’s Songs From the ...
by midareff
Fri Mar 26, 2021 6:44 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

If OP is old and retired then these CDs are probably a music genre that no one wants outside that age group. I am sure they have sentimental value, but that would be it. All of it is accessible on YouTube. As a boomer myself I can appreciate that there is the notion that someone may want them. As a...
by midareff
Fri Mar 26, 2021 6:41 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

Lots of memories - Tower Records in NYC Village, J&R Music by City Hall... Aaahhh... I lived and taught in the Capital District for a couple of years in the 1980s, and made regular day- and weekend-trips down to the city to shop at Tower and J&R. I bought my first CD player at J&R in th...
by midareff
Fri Mar 26, 2021 6:38 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93701

Re: What are you listening to now

It Was You — Norah Jones (from her first live album to be released Apr 16) https://www.rollingstone.com/music/music-news/norah-jones-it-was-you-1146644/ Here There Be Trolls — Tyrannosaurus Rex https://youtu.be/DJLAKcnq-1U Yellow Moon — The Neville Brothers https://youtu.be/ZlVxx3HVW24 I like Norah...
by midareff
Fri Mar 26, 2021 6:37 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93701

Re: What are you listening to now

Last night it was Delbert McClinton..... Blues Guy. He's excellent. :happy You listen to any Bernard Allison? I do now! He's excellent. I like the tone of his guitar. I see he's based in France although born in Chicago. :beer https://www.youtube.com/watch?v=lbAAU-1A4rc Tidal has a ton of both of th...
by midareff
Fri Mar 26, 2021 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I stay or should I go?
Replies: 48
Views: 4983

Re: Should I stay or should I go?

Sounds like you enjoyed what you were doing and were properly compensated for doing it. Since with a 16 year old you really aren't free to go on that yearlong cruise or 6 month Safari (not to mention Covid) I'd give the new arrangement a try as long as you really were given the reins and control ove...
by midareff
Fri Mar 26, 2021 9:03 am
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

by Coburn » Thu Mar 25, 2021 7:56 pm When and if you have a complete listing of all your CDs prepared and are ready to move/sell some of them...I'd appreciate if you PM me. I have about 2500 CDs myself which I've collected over 30-some-odd years...and which like you, although a bit onerous to sell n...
by midareff
Fri Mar 26, 2021 8:02 am
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

For giggles and grins, a couple of different donation valuation sites that I checked showed a valuation of $2 to $5. Not much interest in attempting to sell a boatload of CDs to who knows how many individual buyers. So I'll sell the ones that can command a good price, and donate the rest. As usual,...
by midareff
Fri Mar 26, 2021 8:00 am
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

I have the same opportunity, though a few more CDs, 1090 according to my Windows Media Player. Though, I haven't listened to any for a couple of months. A DD gave me an Amazon Unlimited HD Music subscription for Christmas. I love it, allows me to listen to any of my old favorites, and enjoy new mus...
by midareff
Thu Mar 25, 2021 3:22 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

Freecycle.org may be helpful to help you get rid of them. If you want 100 bubble mailers for way less than $34, let me know. I've got a box I was going to put up on eBay, but I'd rather see them go for less but for a good cause. By the way, what is your top of the line CD player, and do you plan on...
by midareff
Thu Mar 25, 2021 3:14 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

I have the same opportunity, though a few more CDs, 1090 according to my Windows Media Player. Though, I haven't listened to any for a couple of months. A DD gave me an Amazon Unlimited HD Music subscription for Christmas. I love it, allows me to listen to any of my old favorites, and enjoy new mus...
by midareff
Thu Mar 25, 2021 3:06 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

It could be difficult to even donate them at this stage. They made end up at the dump, unfortunately. Well, worthless they may be but that doesn't happen until an eBayer doesn't bid mail cost plus a couple bucks. I'm willing to spend $34 to buy a 100 bubble mailers on the bet many, many folks have ...
by midareff
Thu Mar 25, 2021 3:04 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

If you think each individual CD may be worth a dollar or more, check a few titles on Ebay and see. You can look at sold listings only (there are filtering options on the far left if you are searching for items on ebay on a computer) to see what people have actually paid for a similar item recently....
by midareff
Thu Mar 25, 2021 3:03 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

Freecycle.org may be helpful to help you get rid of them. If you want 100 bubble mailers for way less than $34, let me know. I've got a box I was going to put up on eBay, but I'd rather see them go for less but for a good cause. By the way, what is your top of the line CD player, and do you plan on...
by midareff
Thu Mar 25, 2021 2:53 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

The CD rack space are x $/sq is your savings. Use that to subscribe Tidal, Sportify or Qobuz. sell you CD collection, Hi-Res musics (96kHz/24bits) are all in the cloud now. LOL, already picked up a $99 for the year Hi-Fi Tidal with guaranteed $119 renewals (less 5%) and have Spottily free as well b...
by midareff
Thu Mar 25, 2021 2:51 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

It could be difficult to even donate them at this stage. They made end up at the dump, unfortunately. Unfortunately, I think that this is likely correct. Just as the OP has moved on from CDs, so has the rest of the world. I gave up a much smaller cd collection (perhaps 100-150) years ago. I gave th...
by midareff
Thu Mar 25, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

I believe there was a recent thread of someone with 2000+ CDs in a similar pickle. Selling them individually or small sets will give you the most revenue, but at what cost in time and shipping? This is going to be extremely tedious and, if the collection has any sentimental value, very discouraging...
by midareff
Thu Mar 25, 2021 2:34 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

It could be difficult to even donate them at this stage. They made end up at the dump, unfortunately. Well, worthless they may be but that doesn't happen until an eBayer doesn't bid mail cost plus a couple bucks. I'm willing to spend $34 to buy a 100 bubble mailers on the bet many, many folks have ...
by midareff
Thu Mar 25, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Re: Thoughts on selling a CD music collection....

FWIW, they are in several solid teak glass front cabinets so this is not an eye sore situation. I could donate them but I would like to derive some cash benefit from the disposal. I already give > 3% of AGI ($3K - $%K) to children's health and welfare charities and adding to the donation tax situati...
by midareff
Thu Mar 25, 2021 1:53 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93701

Re: What are you listening to now

JAZZISCOOL wrote: Thu Mar 25, 2021 1:52 pm
midareff wrote: Thu Mar 25, 2021 11:27 am Last night it was Delbert McClinton..... Blues Guy.
He's excellent. :happy
You listen to any Bernard Allison?
by midareff
Thu Mar 25, 2021 1:53 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3689

Thoughts on selling a CD music collection....

Over the last 30+ years I have collected a 750 CD (+/-) music collection of mixed pop and rock, jazz (about 30%), show tunes and classical orchestral performances. Many were acquired years ago and remastered copies now exist (not not many of the Jazz) although whether or not the remasters sound bett...
by midareff
Thu Mar 25, 2021 11:27 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93701

Re: What are you listening to now

Last night it was Delbert McClinton..... Blues Guy.
by midareff
Wed Mar 24, 2021 6:29 am
Forum: Investing - Theory, News & General
Topic: Bonds in free fall
Replies: 657
Views: 54354

Re: Bonds in free fall

The few who know aren't telling. The rest of us lambs are headed you know where. For the folks who were so hot to ditch munis for treasuries today VTEB was -0.20% while VGLT was -1.38%. As smart as you think you are Mr. Market will always be smarter. Indeed. Do you invest in Vanguard Tax Exempt bon...
by midareff
Mon Mar 22, 2021 9:55 am
Forum: Personal Investments
Topic: Cleanest Mutual Fund performance and analysis site?
Replies: 16
Views: 961

Re: Cleanest Mutual Fund performance and analysis site?

I use Morningstar. It's free to chart and track portfolio performance.
by midareff
Sat Mar 20, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: Irish Whiskey
Replies: 32
Views: 2920

Re: Irish Whiskey

If you tour Ireland be sure to stop or register for the Bushmills Tour. If you are lucky enough to be selected they will hone your tasting skills and you will leave as a certified whisky taster. For me getting to know the Bushmills taste was learning to avoid it in favor of Jameson and Tullamore De...
by midareff
Sat Mar 20, 2021 9:25 am
Forum: Personal Consumer Issues
Topic: Irish Whiskey
Replies: 32
Views: 2920

Re: Irish Whiskey

:sharebeer If you tour Ireland be sure to stop or register for the Bushmills Tour. If you are lucky enough to be selected they will hone your tasting skills and you will leave as a certified whisky taster. For me getting to know the Bushmills taste was learning to avoid it in favor of Jameson and Tu...
by midareff
Fri Mar 19, 2021 7:56 am
Forum: Personal Investments
Topic: Asset Allocation and return spreadsheet - how to add property to it?
Replies: 5
Views: 569

Re: Asset Allocation and return spreadsheet - how to add property to it?

Add another tab to the spreadsheet file where you add the property info and combine stock/bond totals from the existing tab to create a new AA that includes property. This leaves the existing calculator untouched. Thanks, I meant how do I add rents without it distorting returns? Do I add them to an...