Search found 5998 matches

by Broken Man 1999
Thu Apr 22, 2021 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8409

Re: Medicare Advantage - What's the Deal?

I haven't read every message here, so forgive me if this has been stated. I'm a bit surprised that Bogleheads would consider Medicare Advantage except in very specific circumstances. First off, anything that advertises giving people additional services for free is obviously nonsense. How do you thi...
by Broken Man 1999
Thu Apr 22, 2021 3:24 pm
Forum: Investing - Theory, News & General
Topic: Is Cathie Wood a bad influence to our younger generation?
Replies: 45
Views: 3303

Re: Is Cathie Wood a bad influence to our younger generation?

Unfortunately, some members of each generation must learn for themselves the lessons their parents have already learned, in many areas, investing being one. But, to their defense, there are plenty of posters right here at BHs who had to learn lessons the same way. After all, it wasn't the current gr...
by Broken Man 1999
Thu Apr 22, 2021 2:28 pm
Forum: Personal Investments
Topic: Vanguard blocking SOME exchanges/sells, why?
Replies: 8
Views: 1532

Re: Vanguard blocking SOME exchanges/sells, why?

Why not send Vanguard an email if the owner doesn't want to call? Emails are my preferred communications for any online account I have. No time spent on phone, playing phone tag, etc.. No need to explain to someone else what your issue might be, if the original solution didn't work satisfactorily, a...
by Broken Man 1999
Thu Apr 22, 2021 1:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo Skills/Uses
Replies: 29
Views: 1044

Re: Amazon Echo Skills/Uses

By far my top four uses for Alexa are: -Playing music -Setting reminders -Info look up -Weather reports/forecasts Also: -Calling people on my contact list -Spelling help -Occasionally use them as an intercom I have been buying Alexa smart plugs when I see them on a good sale; adding them to my netwo...
by Broken Man 1999
Thu Apr 22, 2021 11:47 am
Forum: Personal Finance (Not Investing)
Topic: marriage and personal finance
Replies: 40
Views: 2120

Re: marriage and personal finance

Tamalak wrote: Thu Apr 22, 2021 10:55 am If you marry without a prenup you are incentivizing your wife to divorce you.
Can be true in some cases. After all, how many successful women want a spouse living on the fruits of their labor whilst their husbands slouch through life?

Broken Man 1999
by Broken Man 1999
Wed Apr 21, 2021 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund
Replies: 6
Views: 452

Re: Federal tax refund

jebmke wrote: Wed Apr 21, 2021 5:12 pm
Broken Man 1999 wrote: Wed Apr 21, 2021 5:07 pm I filed BIL's taxes April 12, via H&R Block, refund received yesterday, April 20.

Haven't filed our return yet, as we owe a bit.

Broken Man 1999
DD or check?
Direct Deposit.

Broken Man 1999
by Broken Man 1999
Wed Apr 21, 2021 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund
Replies: 6
Views: 452

Re: Federal tax refund

I filed BIL's taxes April 12, via H&R Block, refund received yesterday, April 21.

Haven't filed our return yet, as we owe a bit.

Broken Man 1999
by Broken Man 1999
Wed Apr 21, 2021 11:23 am
Forum: Personal Investments
Topic: How to invest 250K in cash in this market?
Replies: 2
Views: 467

Re: How to invest 250K in cash in this market?

We have 250K or so in cash and have been dragging our feet getting it invested. We may need some of it in order to buy a house in the next 2-4 years. Our current investment portfolio is roughly as follows: Retirement Funds : 340 K Traditional 401k + 45K Roth 401K Non Retirement Funds: 660K - Mix of...
by Broken Man 1999
Wed Apr 21, 2021 8:12 am
Forum: Personal Consumer Issues
Topic: How to opt out of people search sites?
Replies: 13
Views: 2069

Re: How to opt out of people search sites?

I use https://joindeleteme.com/ and it worked for me. Yes, you have to pay for the service and it’s not 100% effective. But good enough. I'm curious; what types of info have been removed for you? Broken Man 1999 In most cases everything in people search engines as if I do not exist. For example che...
by Broken Man 1999
Tue Apr 20, 2021 6:11 pm
Forum: Investing - Theory, News & General
Topic: Thinking About I-Bonds: Any Pointers on Using Treasury Direct Website?
Replies: 21
Views: 1718

Re: Thinking About I-Bonds: Any Pointers on Using Treasury Direct Website?

When navigating the web site, DO NOT use your browser back button, unless you want to have to sign in repeatedly. Other than having to retrain myself in navigation activities, I've had no issues at all with Treasury Direct. Make sure you keep your email updated, as sales of the bonds at Treasury Dir...
by Broken Man 1999
Tue Apr 20, 2021 6:03 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2782
Views: 276276

Re: [What TV Show Have You Recently Watched?]

I have binge-watched Criminal Minds ... very well done. Recall each show ended with an interesting quote. Liked to look up additional quotes by same author. Search: https://www.google.com/search?q=criminal+minds+quotes Yeah, the end of the episode quotes have caught my ear as well. I've looked up a...
by Broken Man 1999
Tue Apr 20, 2021 5:01 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1595
Views: 95565

Re: What are you listening to now

Today was Whitesnake, Cream, and CCR. Oldies but goodies.

Broken Man 1999
by Broken Man 1999
Tue Apr 20, 2021 3:11 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2782
Views: 276276

Re: [What TV Show Have You Recently Watched?]

I have binge-watched Criminal Minds thru the middle of Season 11. Netflix has Seasons 1-12, but the series finished in February, 2020 with Season 15. Only 10 episodes in season 15. After a few seasons, gets predictable, but still very well done. A few nights ago I started watching The Twilight Zone ...
by Broken Man 1999
Tue Apr 20, 2021 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 449
Views: 57219

Re: Tales from this insane real estate market

It is a spectacle to behold, for sure. I'm glad DW and I and DDs can observe the craziness from the sidelines. DW and I have no mortgage, and DDs have low interest rate mortgages, via refinancing. Glad none of us are trying to find a home for our families. At least around the Tampa side of Tampa Bay...
by Broken Man 1999
Tue Apr 20, 2021 9:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 112
Views: 9372

Re: Vanguard Portfolio Watch has a new look

FWIW, my BIL's accounts reappeared at Portfolio Watch within the last few days, and a quick spot-check confirms the data is correct.

Broken Man 1999
by Broken Man 1999
Mon Apr 19, 2021 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 238
Views: 12063

Re: The primary factor for picking a College/University is out of pocket cost

I am surprised no one mentioned attending college in Europe. It seems like many top universities in Europe are very cheap, even for American students, and many courses are in English. But I don't really know anyone who has taken this route. Anyone have any real experience with going to college abro...
by Broken Man 1999
Mon Apr 19, 2021 3:05 pm
Forum: Personal Consumer Issues
Topic: How to opt out of people search sites?
Replies: 13
Views: 2069

Re: How to opt out of people search sites?

SteadyOne wrote: Sat Apr 17, 2021 7:37 pm I use https://joindeleteme.com/ and it worked for me. Yes, you have to pay for the service and it’s not 100% effective. But good enough.
I'm curious; what types of info have been removed for you?

Broken Man 1999
by Broken Man 1999
Mon Apr 19, 2021 2:22 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Tracking Apps?
Replies: 7
Views: 458

Re: Portfolio Tracking Apps?

I think one of the best things one can do for someone following them is to consolidate as much as possible. It may not be possible for you to consider consolidation of accounts, but if possible it would certainly make it easier. Some people have difficulty in managing overall portfolio AA over multi...
by Broken Man 1999
Mon Apr 19, 2021 1:55 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Tracking Apps?
Replies: 7
Views: 458

Re: Portfolio Tracking Apps?

Are your assets spread out, or at one or two locations?

Broken Man 1999
by Broken Man 1999
Mon Apr 19, 2021 1:46 pm
Forum: Personal Consumer Issues
Topic: Please help with windows [Microsoft Windows]
Replies: 9
Views: 640

Re: Please help with windows [Microsoft Windows]

If you have ran CCleaner and removed the cookies, links, history, all the junk files and such, perhaps you have an internet issue. Also see what is running all the time, programs you might seldom use, but are always running. Have you ran a speed test recently to see what your speed is? I recently ha...
by Broken Man 1999
Mon Apr 19, 2021 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 238
Views: 12063

Re: The primary factor for picking a College/University is out of pocket cost

Some jobs just require a 4-year degree, regardless of the school or major. Maybe going to a brand-name school would help someone to get hired somewhere, but maybe it’s irrelevant. I think the relevance and value of the school and major definitely depends on what specific type of career the student ...
by Broken Man 1999
Sat Apr 17, 2021 4:50 pm
Forum: Investing - Theory, News & General
Topic: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!
Replies: 195
Views: 14288

Re: Don't fuss about 529 accounts. Have your child skip the first two years of college instead!

DDs chose two routes for their undergraduate degrees: One went to a private university, and enjoyed the "college experience." She was in a sorority, her boyfriend was in a fraternity. She went to Europe with other musicians in the university orchestra. She maintains contact with some of he...
by Broken Man 1999
Sat Apr 17, 2021 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8409

Re: Medicare Advantage - What's the Deal?

What I am saying is in metro areas there should be no problem having access to good specialists at all. Networks might be problematic in non-metro-areas. What you are doing is stating YOUR experiences. What I am doing is stating MY experiences. If that is considered extrapolating, then I believe we...
by Broken Man 1999
Sat Apr 17, 2021 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next for our savings after maxing out everything?
Replies: 44
Views: 3631

Re: What to do next for our savings after maxing out everything?

OP, given your screen name, workaholic , why not throw some $$$ into doing fun things! Don't be one of those people who post they can't bear to spend much of the loot they have piled up over a lifetime, unwilling to change their uber-frugal ways. Broken Man 1999 We definitely aren't uber frugal at ...
by Broken Man 1999
Sat Apr 17, 2021 9:40 am
Forum: Personal Finance (Not Investing)
Topic: What to do next for our savings after maxing out everything?
Replies: 44
Views: 3631

Re: What to do next for our savings after maxing out everything?

OP, given your screen name, workaholic, why not throw some $$$ into doing fun things!

Don't be one of those people who post they can't bear to spend much of the loot they have piled up over a lifetime, unwilling to change their uber-frugal ways.

Broken Man 1999
by Broken Man 1999
Sat Apr 17, 2021 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Disabled at 39 - looking for some general guidance
Replies: 19
Views: 3465

Re: Disabled at 39 - looking for some general guidance

OP, your LTD insurance seems to believe your disability warrants 8 months of benefits, if I am reading this correctly. As well, the max for your condition is 24 months. Have you employed a lawyer to review the possible resumption of your LTD benefits? There are those who specialize in such areas as ...
by Broken Man 1999
Sat Apr 17, 2021 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8409

Re: Medicare Advantage - What's the Deal?

What I am saying is in metro areas there should be no problem having access to good specialists at all. Networks might be problematic in non-metro-areas. In Miami Dade county, IIRC the penetration of MA plans is 35% plus, I think that few specialists could ignore MA insurance clients. Again, you se...
by Broken Man 1999
Fri Apr 16, 2021 5:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14740
Views: 1132889

Re: U.S. stocks continue to soar!

Another ALH for portfolio, sweet! Even with some red in the mix.

Broken Man 1999
by Broken Man 1999
Fri Apr 16, 2021 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8409

Re: Medicare Advantage works for me

Husband and I had Medicare Advantage plans that worked fine, till they didn't. It depends on the Medicare Advantage provider. I had/have Kaiser and my total out-of-pocket costs for my colon cancer were $2500 for everything— doctor visits, surgery, port installation/removal, chemotherapy. I have the...
by Broken Man 1999
Fri Apr 16, 2021 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8409

Re: Medicare Advantage - What's the Deal?

Let's clear up something about Medicare Advantage plans: - most Medicare Advantage plans are MA HMO plans or MA PPO plans - under the MA HMO plan you do need a Personal Care Physician who serves as a gatekepper for specialists - under the MA HMO plan you must use their network unless it is for emer...
by Broken Man 1999
Fri Apr 16, 2021 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8409

Re: Medicare Advantage - What's the Deal?

Given the penetration of Medicare Advantage plans in various locations, especially in metro areas, there is zero issues with obtaining well regarded specialists. DW had an MRI last week for some back issues, she was in PT Wednesday. Her PT person is the one she used for both her knee replacements. ...
by Broken Man 1999
Fri Apr 16, 2021 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8409

Re: Medicare Advantage - What's the Deal?

Personally, I don’t understand the excitement many people have about “specialists”. Maybe that’s a cult. Until you need a really good one who isn't "in network." :shock: My DW's orthopedic surgeon is the Tampa Bay Lightening's surgeon. He blocks off time during the playoff runs as he migh...
by Broken Man 1999
Fri Apr 16, 2021 9:27 am
Forum: Personal Consumer Issues
Topic: replace front door; Home Depot?
Replies: 13
Views: 1085

Re: replace front door; Home Depot?

We bought our new front door from HD, but had the original builder install it. Very pleased with the door, and install. One issue you might face if you buy at HD, but don't use HD for installation is difficulty of finding someone to install it. Trades folks are hard to come by, the good ones are bac...
by Broken Man 1999
Fri Apr 16, 2021 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 129
Views: 8409

Re: Medicare Advantage - What's the Deal?

Disregarding their stock price and shareholders, is Humana worthwhile from the point of view of the insured? DW and I have a Humana Medicare Advantage PPO plan offered by MegaCorp with zero premium. We do pay the Medicare Part B premium. I have been using the plan for many years, and I have never h...
by Broken Man 1999
Thu Apr 15, 2021 1:17 pm
Forum: Investing - Theory, News & General
Topic: Bonds as ballast and a rising Glide path
Replies: 29
Views: 2090

Re: Bonds as ballast and a rising Glide path

I see a "rising equity glide path" as a fancy way of saying "bucket strategy." or it can mean a rising ability to take risk due to decreasing remaining lifespan Or it could mean you are investing for your heirs. Of course a decreasing lifespan could justify higher equity portion...
by Broken Man 1999
Thu Apr 15, 2021 10:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14740
Views: 1132889

Re: U.S. stocks continue to soar!

Ramjet wrote: Thu Apr 15, 2021 9:55 am
Stef wrote: Thu Apr 15, 2021 9:54 am I'm starting to believe that stocks go only up.
I would be worried if they were tanking after 5T in stimulus
Yeah, no kidding! :shock:

Broken Man 1999
by Broken Man 1999
Thu Apr 15, 2021 9:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14740
Views: 1132889

Re: U.S. stocks continue to soar!

All news is spun as bad news, but the market continues to soar. :sharebeer They were almost partying on CNBC when the number came out, no on seemed to think they were bad news. You have to admit there is a steady beat of "the big crash is coming" and "market is overpriced" and &...
by Broken Man 1999
Wed Apr 14, 2021 5:37 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1595
Views: 95565

Re: What are you listening to now

Steep Canyon Rangers... This band is capable of some superb original contemporary bluegrass music. Beyond that, they seem to be just a super nice bunch of guys. (When power failed at a festival a few years ago, instead of sliding out of town, they spontaneously started playing unplugged — literally...
by Broken Man 1999
Wed Apr 14, 2021 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 491
Views: 32301

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

I do not pay off my mortgage because that would be tying up too much of my net worth into my house. If my $2M house ever becomes an insignificant part of my net worth, I would be happy to pay it off. This is a good point, too. How much is too much? Obviously subjective. Right now our net worth is p...
by Broken Man 1999
Wed Apr 14, 2021 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2269

Re: Vanguard cash reserve check writing

Sport - Thanks for the clarification. After I posted my response yesterday afternoon, I received an email from Vanguard advising me that after May 20th, they would no longer honor checks drawn on the Vanguard Cash Reserves Federal Money Market Fund since it will be converting to the Admiral class, ...
by Broken Man 1999
Wed Apr 14, 2021 11:42 am
Forum: Personal Finance (Not Investing)
Topic: 529 savings plan vs. 529 Pre Paid Tuition
Replies: 7
Views: 612

Re: 529 savings plan vs. 529 Pre Paid Tuition

What are your suggestions about investing in 529 as savings plan vs purchasing (529) Pre-paid Tuition credits. My state offers both plans. I had invested in 529 college savings plan. As it offers greater flexibility. My concern is that knowing the college tuition increases in last 20 years. I think...
by Broken Man 1999
Tue Apr 13, 2021 3:58 pm
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 104
Views: 8172

Re: Multiple years of expenses in cash when starting retirement

Our Short-term Treasury Index MF is very stable, close enough to cash for us. We can cover anything that comes our way, if needed, so no emergency fund or dedicated uses for any of our portfolio. Broken Man 1999 Just curious as to what fund you are using? Thanks! Vanguard Short-term Treasury Index ...
by Broken Man 1999
Tue Apr 13, 2021 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14740
Views: 1132889

Re: U.S. stocks continue to soar!

Well, for some generations younger than their boomer parents and grandparents will be recipients of some serious coin via inheritances.

Of course that assumes the boomers can get out of life avoiding portfolio-depleting health care costs. Not necessarily a slam-dunk for all boomers.

Broken Man 1999
by Broken Man 1999
Tue Apr 13, 2021 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 31
Views: 2269

Re: Vanguard cash reserve check writing

UpperNwGuy wrote: Tue Apr 13, 2021 1:22 pm
sport wrote: Tue Apr 13, 2021 1:09 pm The solution is to transfer your Admiral Federal Cash Reserve Fund to the Federal MM fund or Treasury MM fund. These funds allow check writing.
This sound like an easy solution to me. What's all the fuss about?
Some would rather curse the darkness, than to light a candle!

Broken Man 1999
by Broken Man 1999
Tue Apr 13, 2021 12:40 pm
Forum: Personal Investments
Topic: I need a checkwriting fund - help
Replies: 7
Views: 902

Re: I need a checkwriting fund - help

Beginning May 20, 2021, checks received for payment from Vanguard Cash Reserves Federal Money Market Fund Investor Shares will no longer be honored. Suggestions as to where I can put this money, used for emergencies. I made my TIRA Vanguard Federal Money Market Fund (settlement fund) primary, with ...
by Broken Man 1999
Tue Apr 13, 2021 11:57 am
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 104
Views: 8172

Re: Multiple years of expenses in cash when starting retirement

We hold cash only for transactional activities, like buying more of an investment, or for transfer to credit union for expenses. The life of cash in our retirement portfolio is very short, usually less than two weeks unless I am accumulating dividends for reinvestment. We haven't ever held a lot of ...
by Broken Man 1999
Tue Apr 13, 2021 9:55 am
Forum: Personal Consumer Issues
Topic: 10+ year old used cars?
Replies: 64
Views: 5178

Re: 10+ year old used cars?

What is the maximum age of a used car you would consider and why? ".....So to repeat my original question in a slightly more specific way, would you generally consider purchasing a low mileage vehicle that was more than 10 years old? If so, what are your limits? What are your personal experien...
by Broken Man 1999
Mon Apr 12, 2021 1:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 112
Views: 9372

Re: Vanguard Portfolio Watch has a new look

Savings bonds are difficult to classify, in some respects. What would the interest rate sensitivity be? Are they a long-term bond, intermediate-term bond, or a short-term bond? The owner can consider them whatever duration they desire, 1-30 years. Not sure what a good proxy for savings bonds might ...
by Broken Man 1999
Mon Apr 12, 2021 1:24 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...