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Re: favorite brand name products

Apple computers and phones. Because life is too short for Windows and Android. :wink:
by Average Investor
Sun Sep 28, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3011

Re: Macbook Air; how much RAM?

8GB. Better performance, better resale value.
by Average Investor
Wed Sep 17, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3276

Re: Proper Way To Wear Suspenders

leonard wrote:For some reason - this topic makes me think of the MUNCHKIN MAN. I bet he has strong opinions on suspenders.

Ha, I thought the exact same thing. Paging MUNCHKIN MAN . . . .
by Average Investor
Sat Sep 06, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 1995

Re: POLL: Breaking up with advisor

Breaking up was hard to do.

My advisor at Merrill Lynch did not want to release funds located in multiple accounts and gave excuse after excuse to delay the process. Altogether it took more than half a year to accomplish.
by Average Investor
Sun Aug 17, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 47
Views: 3284

Re: How Much Did You Lose Today?

I took advantage today with a modest rebalance to my target allocation. It was the first time I've rebalanced other than with new funds. It was good practice to buy the "losers."
by Average Investor
Fri Aug 01, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15435

Re: I Hit My Number Today!

And all the smartest people buy Elises. With a toyota drivetrain and easily fixed Lotus engineering bungles found with careful reading of the uberthread on LotusTalk, they are fun, inexpensive exotics that can get economy car mileage and performance car acceleration. (I have an 07 storm titanium El...
by Average Investor
Fri Jul 04, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3385

Re: Having Doubts About My 60/40 Allocation

Since I am getting a late start in life with investing ...I know it sounds risky but my retirement horizon is 30 years from now. So I thought about a 90/10 portfolio in Stocks and liquid cash investments for the next 15-20 years If being underfunded in retirement is such a risk and you can't solve ...
by Average Investor
Fri Jul 04, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Having Doubts About My 60/40 Allocation
Replies: 43
Views: 3163

Re: I Hit My Number Today!

I think people without traditional pensions tend to be more "the number" oriented than those with because they have to provide their own pension. But wouldn't they prefer a larger self-provided pension than a smaller one? I always like more; I guess I am greedy that way. Yeah, but people ...
by Average Investor
Thu Jul 03, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3385

Re: I Hit My Number Today!

investingdad wrote:The better question is this...is that your Lotus in your avatar picture? :happy


It sure is! That's me at Laguna Seca, coming down the hill after the corkscrew, my favorite turn.
by Average Investor
Thu Jul 03, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3385

Re: I Hit My Number Today!

Thanks for the replies everyone. My number has some extra cushion with some real estate I am planning to sell in the coming year likely as well as whatever I decide to do with the business (sell it, work part time, liquidate for cash, etc.). One thing I know for sure is I no longer wish to deal with...
by Average Investor
Thu Jul 03, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3385

I Hit My Number Today!

I hit my number today, woohoo!!! A big round number with lots of zeros on the end. Now I need to figure out if I want to keep working on some level or not (I own my own business). I've been grappling with the issue for awhile, but now that "the number" has been reached everything takes on ...
by Average Investor
Thu Jul 03, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3385

Re: Transplant hard drive from old to a new laptop?

Hard drives are a consumable item, they fail over time.

Use a new hard drive with a new machine, bring your data over via migration but do not move your old hard drive over to the new machine.

I repair computers and do data recovery for a living. Hard drives are cheap, data recovery is not.
by Average Investor
Tue Jul 01, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Transplant hard drive from old to a new laptop?
Replies: 16
Views: 766

Re: It is time to retire when you .......

Woodshark wrote:
"When you have enough and you've had enough"


Awesome, that nails it for me!
by Average Investor
Sat Jun 21, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10115

Re: Convince me to visit Italy

Almost forgot the most important one of all: best ice cream!
by Average Investor
Sun Jun 15, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5640

Re: Convince me to visit Italy

IMHO, Italy has all the bests: best food, best wine, best coffee, best art, best music, best cars, best motorcycles.
by Average Investor
Sun Jun 15, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5640

Re: Two Comma Club!

Congratulations, that is quite an achievement!
by Average Investor
Wed Jun 04, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5736

Re: Austin, TX Things To Do?

Thanks everyone, that's super.
by Average Investor
Mon May 26, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Austin, TX Things To Do?
Replies: 8
Views: 768

Austin, TX Things To Do?

Hi everyone,

I'll be in Austin, TX for the next few days. Any must do suggestions for things to see, do or eat?

Thanks.
by Average Investor
Mon May 26, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: Austin, TX Things To Do?
Replies: 8
Views: 768

Re: John Hussman, why should people listen to him?

Thanks for the article Larry.

Hussman seems like a very bright fellow. I find whenever I read his articles I easily get drawn into his way of thinking, almost without noticing. He is a good writer, very persuasive, it is almost like the Song of the Sirens!

Thanks for the reminder to ignore.
by Average Investor
Fri May 09, 2014 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman, why should people listen to him?
Replies: 30
Views: 4277

Re: KeePass vs LastPass

Thanks to all who contributed this thread, it really helped to get me motivated to address my password situation. I ended up going with 1Password for Mac after looking at some other options. It is great and currently 1/2 off at the MacAppStore ($25), http://itunes.apple.com/us/app/1password-password...
by Average Investor
Sat Apr 12, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 12740

Re: investment property pros and cons?

If I recall correctly Berkeley has some onerous rent control laws. rg +1. Details here, http://www.ci.berkeley.ca.us/uploadedFiles/Rent_Stabilization_Board/Level_3_-_General/The%20Guide%20Feb2013.pdf I live in the Bay Area and have been seriously interested in investment real estate for awhile. I'v...
by Average Investor
Sun Mar 30, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment property pros and cons?
Replies: 13
Views: 1222

Re: Portfolio Checkup Please, And Can I Retire?

Thanks everyone, I appreciate it!

Boglenaut, I really enjoy your investing videos and I watch them for laughs and to help educate friends.

Thanks.
by Average Investor
Wed Mar 19, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1712

Re: Portfolio Checkup Please, And Can I Retire?

Bump.

Any further feedback, Bogleheads?

Thank you.
by Average Investor
Mon Mar 10, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1712

Re: Portfolio Checkup Please, And Can I Retire?

Hey, congratulations on hitting your number! Looks like you worked hard and made the great investment moves. If you plan on retiring, then yes, I would increase your bond allocation and decrease your stock allocation. It's a little more complicated to suggest exactly what to do, because you are onl...
by Average Investor
Sat Mar 08, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1712

Portfolio Checkup Please, And Can I Retire?

Hello Bogleheads, I am coming up on 2 years of following the Boglehead philosophy. A big thank you to the community, with your help I escaped the jaws of Merrill Lynch and completely transformed my financial life. I would like a general portfolio checkup please, some feedback for some portfolio chan...
by Average Investor
Sat Mar 08, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1712

Re: Personal Defined Benefits Plan

Why did u go all bonds. My IPS calls for a 65/35 stock/bond split. My taxable account is 100% stocks so the Defined Benefit and 401k accounts is where the bond allocation would fit. That's a good call then. One thing to also consider is how the db plan affects your allowable contributions to your 4...
by Average Investor
Fri Feb 28, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1597

Re: Personal Defined Benefits Plan

Why did u go all bonds. My IPS calls for a 65/35 stock/bond split. My taxable account is 100% stocks so the Defined Benefit and 401k accounts is where the bond allocation would fit. That's a good call then. One thing to also consider is how the db plan affects your allowable contributions to your 4...
by Average Investor
Fri Feb 28, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1597

Re: Personal Defined Benefits Plan

dhodson wrote:
Why did u go all bonds.


My IPS calls for a 65/35 stock/bond split. My taxable account is 100% stocks so the Defined Benefit and 401k accounts is where the bond allocation would fit.
by Average Investor
Thu Feb 27, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1597

Re: Personal Defined Benefits Plan

I have one as I mentioned. Im sure you realize that you have deferred taxes and this may or may not save a lot in taxes. One of the problems with maxing this and a defined contribution plan like a 401k is that you may pull the money out at the same tax rate. You also can only put 100k or more each ...
by Average Investor
Thu Feb 27, 2014 1:54 am
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1597

Re: Personal Defined Benefits Plan

I have one for my S Corp. Its a great setup if you are a consistent year to year high income earner and do not have any or many employees (if you have employees you need to cover them in the plan as well). Annual fees/accounting cost are fairly high for such a plan (mine are about $2000 on average) ...
by Average Investor
Wed Feb 26, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1597

Re: omg, did I miss the buying opportunity in stocks?

No one knows. I invested a modest sum into stocks rather than bonds last week after successive days of market declines. I was also tempted to rebalance from bonds into stocks to hopefully pick up some easy gains. I had a trade order all ready to go and then paused for a minute, thinking, "Wait,...
by Average Investor
Sat Feb 08, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6564

Re: What was your 2013 return?

17.4% with a 65/35 stock/bond mix. Stock allocation is 70% US with a small slice of SCV, and 30% Intl. Bond allocation is mostly TBM with some ibonds and eebonds.

My first complete year as a Boglehead. Thanks to everyone here and Happy New Year!
by Average Investor
Wed Jan 01, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9507

Re: What are your policies for changing your IPS?

Great thread. My IPS includes the following: Any decision regarding a major change to asset allocation must be considered carefully over a period of time including soliciting feedback from a Vanguard CFP and/or the Bogleheads forum - absolutely no panic decision making. I find that such a statement ...
by Average Investor
Thu Dec 12, 2013 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: What are your policies for changing your IPS?
Replies: 22
Views: 1180

Re: Downsize From House to Condo?

Thanks for the replies everyone, you've given me some good things to think about.

Appreciate the feedback!
by Average Investor
Tue Jul 09, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Downsize From House to Condo?
Replies: 10
Views: 1823

Re: Downsize From House to Condo?

You have in the ballpark 100% if your net worth in real-estate (not home equity). Selling one or the other would reduce this which would be good. If you sold the house would you have to pay any capital gains taxes after the homeowners capital gains tax exclusion? Thanks for the reply. Good point on...
by Average Investor
Sat Jul 06, 2013 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Downsize From House to Condo?
Replies: 10
Views: 1823

Downsize From House to Condo?

Hi Bogleheads, I am stuck in analysis paralysis regarding a possible lifestyle change and wanted to reach out here to see if fellow Bogleheads might have some insights. I own a 2200SF house and 520SF condo, both located in San Francisco. I bought the condo near the housing market bottom in 2011 with...
by Average Investor
Sat Jul 06, 2013 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Downsize From House to Condo?
Replies: 10
Views: 1823

Re: Apple Stock - Seems great, right?

I may invest in a Samsung Galaxy S4.... http://rack.3.mshcdn.com/media/ZgkyMDEzLzAzLzE0Lzc5L3NhbXN1bmdnYWxhLjIxMjJmLmpwZwpwCXRodW1iCTg1MHg1OTA-CmUJanBn/bfa931c8/dbf/samsung-galaxy-s-4-2-of-35.jpg Fwiw, that picture shows an iPhone 3 model which debuted nearly 4 years ago . . . .
by Average Investor
Thu Mar 21, 2013 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 60
Views: 6205

Re: Quitting job and starting law school in the Fall - help!

Law business is tough. I did my 2 years as an associate and got out before it got me out. Barely survived!
by Average Investor
Wed Mar 13, 2013 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Quitting job and starting law school in the Fall - help!
Replies: 97
Views: 10118

Re: What Type Of Wallet Do You Prefer?

As small as possible - only enough for my ID, a few credit cards and cash. I've been using inexpensive expandable leather business card holders for years, like this one: http://www.chinatraderonline.com/Wallet ... 093203758/
by Average Investor
Wed Mar 13, 2013 12:18 am
 
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 8652

Re: Need to Push to Leave Broker/Become Own Financial Adviso

1. We need some final encouragement to push us to move from our “full service broker” to Vanguard. Our concern is that we are not financial experts who are watching the global markets daily as our broker supposedly is doing. I realize that our portfolio may not be considered large compared to most ...
by Average Investor
Wed Mar 06, 2013 2:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Need to Push to Leave Broker/Become Own Financial Advisor
Replies: 100
Views: 6463

Re: Pay off Investment Property Mortgage with Heloc?

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=111597#p1622331 Above is my explanation in another thread. To answer your specific question, you don't lose the "opportunity" to avail yourself of the offset. Because of depreciation, even properties with positive real cash flow can ...
by Average Investor
Sun Feb 24, 2013 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1160

Re: Pay off Investment Property Mortgage with Heloc?

I assume you are aware that passive activity real estate losses offset ordinary income if MAGI is less than $150K. Max offset is $25K (at $100K MAGI). FYI, this includes prior years' unallowed. Social security (when you start taking) doesn't count toward MAGI. Thanks. I am not sure I understand wha...
by Average Investor
Sat Feb 23, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1160

Re: Pay off Investment Property Mortgage with Heloc?

Probably not a bad idea. You might want to check to see if this comingles your assets if the two properties are in corporate entities though. Thanks for the heads up. Both properties are held personally. The condo was purchased near the bottom of the market as a potential retirement home. Great pla...
by Average Investor
Sat Feb 23, 2013 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1160

Re: Pay off Investment Property Mortgage with Heloc?

Thanks for the replies everyone. The risk of not having a home or missing payments on any of my loans is fairly low given the equity in the properties and my other assets. I'm just trying to save money by swapping a higher interest loan for a lower interest loan. What about the interest expense - I ...
by Average Investor
Fri Feb 22, 2013 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1160

Re: Pay off Investment Property Mortgage with Heloc?

Bump.

Appreciate any feedback.

Thank you in advance.
by Average Investor
Fri Feb 22, 2013 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1160

Pay off Investment Property Mortgage with Heloc?

Hi all, I currently have an investment property condo with a 15 year mortgage at 4.75% and a balance of $100k. Equity in the property is approximately $250k. I tried to refinance last year but was declined likely due to poor cash flow showing on my tax returns (I defer over 50% of my income with a 4...
by Average Investor
Wed Feb 20, 2013 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1160

Re: Happy Birthday Taylor

Happy Birthday to you Taylor! You welcomed me warmly when I first found Bogleheads six months ago and helped steer me in the right direction to leave Merrill Lynch. I always appreciate reading your posts and refer to the three fund portfolio thread and investment gems resource to help me stay the co...
by Average Investor
Sat Jan 26, 2013 2:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 4353

Re: TLH Calculation Help

Let me try a clarification, assuming I am not misreading the question: I own a bond fund in taxable. It pays dividends monthly which I reinvest. In April I sold some of it using average basis, but all the sold shares were non-covered as average basis is FIFO in terms of shares sold. I still own all...
by Average Investor
Sat Jan 05, 2013 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Calculation Help
Replies: 18
Views: 774

Re: Bond Fund NAV Question

Do you mean the value today is only very slightly more than the value on the day you bought? Two months is too short a time to make any judgement about intermediate term bonds. As long as the reason you bought them still applies what you've observed is nothing to worry about. The value of your inve...
by Average Investor
Sat Jan 05, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund NAV Question
Replies: 5
Views: 507
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