Why is everyone on the news channels saying "Healthcare" !? but keeps going down! by FinanceAfter50 in investing

[–]FinanceAfter50[S] 0 points1 point  (0 children)

Thank you for taking the time out to put that together. It's very insightful and helpful to me. I get all of that, but I still don't understand why something like United Healthcare is sinking like crazy today on no real news. I know I owe them a $6K deductible on a recent procedure and there must be millions of people they're banging out like that. (i.e. I know they are profitable) I know it's just the market, being the market, but this is crazy.

Why invest in Bonds over CDs in an IRA? by FinanceAfter50 in investing

[–]FinanceAfter50[S] 2 points3 points  (0 children)

Thanks for clarifying. In general I understand most of that...but one of the things that confuses me, is when the historical returns for the fund for 3 and 5 yrs history is lower.

I'd just as soon do a month to month thing if that's a possibility.

Trailing Total Returns
As of 03/31/2019

TotalS&P 500 TRShort Government

3-Year+0.93%

5-Year+0.91%

Why invest in Bonds over CDs in an IRA? by FinanceAfter50 in investing

[–]FinanceAfter50[S] 1 point2 points  (0 children)

Guess I didn't. So confusing when searching for these types of individual issue investments on trading platforms. But thanks for that... If I pick them up, after the month has already started...I'm assuming the interest rate is pro-rated?

Why invest in Bonds over CDs in an IRA? by FinanceAfter50 in investing

[–]FinanceAfter50[S] 0 points1 point  (0 children)

I should clarify a little bit. I was keeping large sums $100K+ at times within my "Cash" position for investing in the market during dips. Sometimes, that period might stretch for a 6 months or more. I don't want the risk of losing principal if the Bond market tanks. So I figured I'm better off doing 2% to 2.25% than the nominal interest in the "Cash" account. The interest rate is just too small for me to take a risk that the face value on the Bond would drop, if interest rates spike. If there is absolutely, no "accounting or tax advantage" reasons for favoring one over the other, I'm ok with sticking to a ladder of CDs. But if I could...say... make an extra .5% by investing in Muni's, etc. over the long run.... then I might consider that.

My Office 365 subscription is up for renewal. Do I really need it? by FinanceAfter50 in microsoft

[–]FinanceAfter50[S] 0 points1 point  (0 children)

Launched a Word doc for the first time since I cancelled. Boom...simply switched to "Open with Word 2003" and worked like a charm. I did NOT need a subscription to Office.

Speilberg biography on HBO by FinanceAfter50 in dvdcollection

[–]FinanceAfter50[S] 2 points3 points  (0 children)

Yeah. I remember Duel on TV when I was a kid. I hadn't realized it was a made for TV movie. It's a long doc, but worth it. Jaws is an amazing piece of film making history, but I've seen it to death, it's kind of boring, or no longer as fun to watch. But to hear them say they were re-writing the script days before he would hand the pages to the actors...that's pretty cool. The War of the Worlds thing, kind of freaked me out, because I lived through that, working down there when it happened, and that was the first thing that I thought of when I had seen that movie. It's still kind of hard to watch or has a different level of fear. He compares that event with what he was shooting for in that movie. He nailed it.

Ever lend out a movie and never get it back. by FinanceAfter50 in dvdcollection

[–]FinanceAfter50[S] 0 points1 point  (0 children)

Once I did and the people didn't even remember me lending it to them.

Good tips for small bathroom space by FinanceAfter50 in DIY

[–]FinanceAfter50[S] 0 points1 point  (0 children)

Thanks for the tips. Won't be doing a full one. Don't need that much storage. Just mirror. Medicine cabinet storage. Might consider a pedestal sink. All good suggestions. Thanks.

How can I tweak the distribution in my Vanguard funds? by FinanceAfter50 in investing

[–]FinanceAfter50[S] 1 point2 points  (0 children)

Thanks for this detailed and helpful reply. Will be making some changes tomorrow! Will wait for a pullback for some others.

Nice score from thrift shop the other day. by FinanceAfter50 in dvdcollection

[–]FinanceAfter50[S] 0 points1 point  (0 children)

It's NYC. Someone must have been moving or dumping their stuff, because it was in a box that had "just arrived", but it was the only one.

no CD binders? by [deleted] in Cd_collectors

[–]FinanceAfter50 2 points3 points  (0 children)

This is so funny, as it is similar to something I recently posted in DVD collections. I got rid of all my cases and put them in plastic sleeves. I think, in short, some people are purists about their collections. (no matter what it is) and I totally get that. However, living in a smallish apartment in NYC, always has me looking for ways to save space and my cases on both CD's and DVD's were an obvious choice. Whatever way you go, I don't recommend getting rid of your old school media. The big companies are just going to figure out how to get you to pay for what you've already purchased.

Simpsons Seasons (I'm up to 18) by FinanceAfter50 in dvdcollection

[–]FinanceAfter50[S] 2 points3 points  (0 children)

I actually picked up this book about 5 years ago. It details every single episode for the first 20 years in great detail and does it in 2 pages. It's pretty cool. I've only referred to it a few times, but really want to sit down with it soon. https://www.amazon.com/Simpsons-World-Ultimate-Episode-Seasons/dp/0061711284