Search found 5983 matches

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: 102
Views: 8452

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: 11935

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: 6
Views: 1194

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: 438

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: 438

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: 607

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: 11935

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: 141
Views: 10251

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: 125
Views: 7777

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: 3599

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: 3599

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: 3454

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: 125
Views: 7777

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: 14659
Views: 1127040

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: 125
Views: 7777

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: 125
Views: 7777

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: 125
Views: 7777

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: 125
Views: 7777

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: 1079

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: 125
Views: 7777

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: 2083

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: 14659
Views: 1127040

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: 14659
Views: 1127040

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: 1574
Views: 94472

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: 394
Views: 26029

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: 2255

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: 611

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: 8098

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: 14659
Views: 1127040

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: 2255

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: 893

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: 8098

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: 5035

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: 102
Views: 8452

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...
by Broken Man 1999
Mon Apr 12, 2021 1:10 pm
Forum: Personal Investments
Topic: CDs vs. Bonds in today's world
Replies: 15
Views: 1197

Re: CDs vs. Bonds in today's world

Many conservative investors favor fixed annuities these days. They pay much better than bank accounts, money market funds, CD and other low-risk fixed income investments. A fixed annuity is an insurance contract that pays a fixed rate of interest for a "set term", usually ranging from one...
by Broken Man 1999
Mon Apr 12, 2021 12:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 102
Views: 8452

Re: Vanguard Portfolio Watch has a new look

Everything I care about showed up in our group(s) of assets. Still have to see what's going on in my BIL's accounts. The only issue I found (for us, at least) is the treatment of our Series I Savings Bonds. Portfolio Watch shows them as bonds, but not much else detailed. I was more interested in bei...
by Broken Man 1999
Mon Apr 12, 2021 11:06 am
Forum: Personal Investments
Topic: Roth Conversion Strategies
Replies: 14
Views: 2173

Re: Roth Conversion Strategies

Many use this site for tax modeling. Don't be fooled by the name. Easy to use, free. I used it last year for my "what ifs" for my TIRA to Roth conversion.


https://mortgagecalculator.org/calcs/10 ... ulator.php

Broken Man 1999
by Broken Man 1999
Sun Apr 11, 2021 4:43 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8567

Re: AAA - American Auto Assn - Service has gone way down

I stopped being a member of AAA about 10 years ago. I saw that they were expanding the number of branch offices and occupying space in the more costly RE markets while service got slower. If I just need a jump start or tow, I don't want to pay for the fancy office buildings that serve who knows wha...
by Broken Man 1999
Sun Apr 11, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 238
Views: 11935

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

OP, there are those in their 40ties who have a NW of $1mil and attended a variety of universities, from private to public. They reached their NW the old-fashioned way, they earned it. I'm not sure why this is a particular virtue. You seemed to be enthused about the possibility of your student havin...
by Broken Man 1999
Sun Apr 11, 2021 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 238
Views: 11935

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

OP, there are those in their 40ties who have a NW of $1mil and attended a variety of universities, from private to public. They reached their NW the old-fashioned way, they earned it. I think the best approach to college might be for student to determine their desired field of studies, THEN look at ...
by Broken Man 1999
Sun Apr 11, 2021 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11227

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

We need to be knowledgeable about the tax brackets, and actual tax burden. Last year I did a TIRA to Roth conversion, so larger than normal income. Went almost to the top of 22% bracket of $171,050. $197,781 - Total Income $170,381 - Total Taxable Income $29,064 - Total Income Tax That tax works out...
by Broken Man 1999
Sat Apr 10, 2021 4:02 pm
Forum: Investing - Theory, News & General
Topic: “Buy and Hold No More” says A16Z
Replies: 90
Views: 9110

Re: “Buy and Hold No More” says A16Z

I accept the likely truth that something has changed between 2019 and 2021, in that the confluence of a long bull market with other things (shutdown of sports betting, creating of gamified investing tools) has just recruited a new cohort of retail investors into a resurgence of speculative mania. I...
by Broken Man 1999
Sat Apr 10, 2021 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Theory: The Only Four Situations Justifying Debt
Replies: 103
Views: 7040

Re: Theory: The Only Four Situations Justifying Debt

Debt is simply a tool. You can choose to master it, or you can choose to let it master you. You get to pick.

Broken Man 1999
by Broken Man 1999
Sat Apr 10, 2021 3:36 pm
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 238
Views: 47094

Re: who here is tempted to pullback on stocks?

Read previous post: I am investing in equities mainly for legacy reasons. . From the Boglehead's wiki: Author Larry Swedroe defines asset allocation as "the process of investing assets in a manner reflecting one’s unique ability, willingness and need to take risk," with willingness referr...
by Broken Man 1999
Sat Apr 10, 2021 9:57 am
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 238
Views: 47094

Re: who here is tempted to pullback on stocks?

It doesn't matter if you're investing for legacy reasons or for your own retirement: increasing risk as time goes by is a backward approach. In any event, it's a 5% difference, so it isn't going to matter much in the long run. You just seem to be overthinking this. It's called a rising glide path: ...
by Broken Man 1999
Sat Apr 10, 2021 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawal Frequency in Retirement
Replies: 22
Views: 1740

Re: Withdrawal Frequency in Retirement

For living expenses, SS provides about 50% of our needs. We distribute from our TIRAs the next month's needed funds near the end of the current month. We pull from the asset that is above the desired AA we want it to be. Sometimes the amount is large, sometime the amount is small. Just like when emp...
by Broken Man 1999
Fri Apr 09, 2021 4:51 pm
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 238
Views: 47094

Re: who here is tempted to pullback on stocks?

I am planning to increase equity portion in five year intervals, started in 2015 with 50/50, in 2020 increased to 55/45, and plan to go to 60/40 in 2025. Our retirement is very well funded, I am investing in equities mainly for legacy reasons. Each five year period that passes subtracts five years ...
by Broken Man 1999
Fri Apr 09, 2021 3:51 pm
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 238
Views: 47094

Re: who here is tempted to pullback on stocks?

I haven't been tempted to pull back in stocks, in fact I increased the equity portion of our AA last year from 50% to 55%. Part of my long-term plan to get to 60% equities for our final AA, 60/40. I rebalance when needed, and after selling bonds and buying equities last year, everything since that ...
by Broken Man 1999
Fri Apr 09, 2021 3:22 pm
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 238
Views: 47094

Re: who here is tempted to pullback on stocks?

I haven't been tempted to pull back in stocks, in fact I increased the equity portion of our AA last year from 50% to 55%. Part of my long-term plan to get to 60% equities for our final AA, 60/40. I rebalance when needed, and after selling bonds and buying equities last year, everything since that h...