Search found 119 matches

by Average Investor
Tue Jun 23, 2015 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing BND before rate increases
Replies: 34
Views: 3113

Re: Reducing BND before rate increases

What rate increase?

;--)
by Average Investor
Tue Jun 23, 2015 10:37 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 74
Views: 7565

Re: MacBook Pro Worth the money?

Apple is making great hardware these days. Better value than PCs overall IMHO. I have two MacBook Pros myself, they are fantastic in every way.

I fix Macs for a living.
by Average Investor
Wed Jun 17, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Going Part time
Replies: 18
Views: 2309

Re: Going Part time

I think it is a good transitional move. Give it a try and see how it goes, you can always change your mind later if it does not work out. I'm in a similar situation except I run my own business. I've been doing the OMY thing for a few years now, there is enough money already it seems but it is hard ...
by Average Investor
Sun Jun 14, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 57
Views: 6850

Re: Buying in Bay Area (redux)

I would not buy in this market. Keep saving and wait for the crash, the cycle in the Bay Area is boom and bust over and over again.

I am fortunate to own a home here, but it is far larger than I need now with a LBYM lifestyle and have started putting plans together to sell next year.

Good luck.
by Average Investor
Thu Mar 12, 2015 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 14108

Re: Dip? What Dip? Did you catch it?

Added a little to Total International 2 days ago. When I see a drop of 2% or more in any of my funds I will look around to see if I have anything to invest. Sometimes it works out nicely like here, other times it backfires with a further decline.
by Average Investor
Wed Mar 04, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: FREAK: a new SSL/TLS security hole
Replies: 4
Views: 767

Re: FREAK: a new SSL/TLS security hole

Thanks for the heads up.
by Average Investor
Sun Mar 01, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 4758

Re: Honda fit vs VW GTI

Both great cars. Fit will likely be more reliable long term, the GTI will be way more fun to drive and fit and finish are better than its class. VW parts fail with time in my experience. You might also consider the Golf, it is a closer comparison to the Fit. I was in a similar place a few years ago ...
by Average Investor
Sat Jan 31, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 5360

Re: Mac reliability?

Reliability and value of most Mac models is outstanding. With advancements in design and manufacturing, the newer models keep getting better and better. Like any product line though, some models are better than others. On currently shipping models you really cannot go wrong, they are all excellent. ...
by Average Investor
Thu Jan 01, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 6614

Re: What did you enjoy spending money on this year?

I splurged on a rare 1959 Fender Precision Bass guitar.
by Average Investor
Sat Dec 20, 2014 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: HELOC Draw For 2014 iBond/EE Bond Contribution?
Replies: 4
Views: 537

Re: HELOC Draw For 2014 iBond/EE Bond Contribution?

I wouldn't add 2.49% debt to purchase I Bonds currently paying 1.48%. Ed Thanks, I understand what you are saying. Short term it does not make sense. What I have been grappling with is whether to take a short term loan (say 6-12 months), to finance an investment I plan to hold for 20 years or more....
by Average Investor
Sat Dec 20, 2014 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: HELOC Draw For 2014 iBond/EE Bond Contribution?
Replies: 4
Views: 537

Re: HELOC Draw For 2014 iBond/EE Bond Contribution?

I wouldn't add 2.49% debt to purchase I Bonds currently paying 1.48%. Ed Thanks, I understand what you are saying. Short term it does not make sense. What I have been grappling with is whether to take a short term loan (say 6-12 months), to finance an investment I plan to hold for 20 years or more....
by Average Investor
Sat Dec 20, 2014 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: HELOC Draw For 2014 iBond/EE Bond Contribution?
Replies: 4
Views: 537

HELOC Draw For 2014 iBond/EE Bond Contribution?

Hi all, Wondering what Bogleheads think of taking an approximately $25k short term draw on my HELOC to take advantage of 2014 iBond and EE Bond contribution limits? I have both personal and trust accounts. The aggregate limit is $40k per year, I have about $15k onhand. HELOC rate is 2.49% floating b...
by Average Investor
Fri Dec 19, 2014 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to create a company
Replies: 9
Views: 1524

Re: How to create a company

Due diligence is the name of the game for all investments. Do not invest a dime until you are aware of all the risks associated with this deal. +1. Eventhough the details on the investment you provided are scant, it sounds like a VERY risky deal with huge downside. It might be one of those "Do...
by Average Investor
Mon Dec 15, 2014 12:29 pm
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 41
Views: 4585

Re: RBD in Emerging Markets Brewing

Its a good thing I invested in VWO last week after a few days of successive declines. :oops:

A sobering reminder that one can never time the market.
by Average Investor
Sun Sep 28, 2014 12:16 pm
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3408

Re: favorite brand name products

Apple computers and phones. Because life is too short for Windows and Android. :wink:
by Average Investor
Wed Sep 17, 2014 11:07 am
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3974

Re: Macbook Air; how much RAM?

8GB. Better performance, better resale value.
by Average Investor
Sat Sep 06, 2014 8:21 pm
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 2427

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
Sun Aug 17, 2014 11:11 am
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 47
Views: 4134

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
Fri Aug 01, 2014 12:07 am
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 16363

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 Jul 04, 2014 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3502

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 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Having Doubts About My 60/40 Allocation
Replies: 43
Views: 3339

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
Thu Jul 03, 2014 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3502

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 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3502

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 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3502

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 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3502

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
Tue Jul 01, 2014 8:58 pm
Forum: Personal Consumer Issues
Topic: Transplant hard drive from old to a new laptop?
Replies: 16
Views: 871

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
Sat Jun 21, 2014 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10660

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
Sun Jun 15, 2014 12:27 pm
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 6103

Re: Convince me to visit Italy

Almost forgot the most important one of all: best ice cream!
by Average Investor
Sun Jun 15, 2014 11:37 am
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 6103

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
Wed Jun 04, 2014 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5922

Re: Two Comma Club!

Congratulations, that is quite an achievement!
by Average Investor
Mon May 26, 2014 11:09 am
Forum: Personal Consumer Issues
Topic: Austin, TX Things To Do?
Replies: 8
Views: 799

Re: Austin, TX Things To Do?

Thanks everyone, that's super.
by Average Investor
Mon May 26, 2014 9:50 am
Forum: Personal Consumer Issues
Topic: Austin, TX Things To Do?
Replies: 8
Views: 799

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
Fri May 09, 2014 9:26 pm
Forum: Investing - Theory, News & General
Topic: John Hussman, why should people listen to him?
Replies: 30
Views: 4572

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
Sat Apr 12, 2014 4:40 pm
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 14080

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
Sun Mar 30, 2014 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: investment property pros and cons?
Replies: 13
Views: 1290

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
Wed Mar 19, 2014 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1769

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
Mon Mar 10, 2014 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1769

Re: Portfolio Checkup Please, And Can I Retire?

Bump.

Any further feedback, Bogleheads?

Thank you.
by Average Investor
Sat Mar 08, 2014 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1769

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 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1769

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
Fri Feb 28, 2014 10:35 pm
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1657

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 1:01 pm
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1657

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
Thu Feb 27, 2014 11:28 am
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1657

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 12:54 am
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1657

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
Wed Feb 26, 2014 10:28 pm
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1657

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
Sat Feb 08, 2014 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6649

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
Wed Jan 01, 2014 9:32 pm
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 10091

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
Thu Dec 12, 2013 8:34 pm
Forum: Investing - Theory, News & General
Topic: What are your policies for changing your IPS?
Replies: 22
Views: 1303

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
Tue Jul 09, 2013 11:31 am
Forum: Personal Consumer Issues
Topic: Downsize From House to Condo?
Replies: 10
Views: 1879

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
Sat Jul 06, 2013 7:07 pm
Forum: Personal Consumer Issues
Topic: Downsize From House to Condo?
Replies: 10
Views: 1879

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...

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