Search found 1525 matches

by Bustoff
Mon Aug 03, 2015 6:04 am
Forum: Personal Finance (Not Investing)
Topic: ACA & Roth conversions
Replies: 4
Views: 358

Re: ACA & Roth conversions

Dave C, You're only losing out on 2 years of Roth conversions by choosing the ACA subsidy. At 65 you will be eligible for Medicare -- then you will still have 5 years to make Roth conversions until RMD's if you delay SS to age 70. You also might find these previous discussions helpful. https://www.b...
by Bustoff
Mon Jul 27, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Protection against stock correctiom
Replies: 25
Views: 2472

Re: Protection against stock correctiom

I'm more concerned about a period similar to the ten years between 2000 and 2010.
Can't imagine how difficult that must have been for those folks in retirement who had to make withdrawals during that period.
by Bustoff
Thu Jul 23, 2015 6:01 am
Forum: Investing - Help with Personal Investments
Topic: Is this a cup-with-handle pattern?
Replies: 29
Views: 2325

Re: Is this a cup-with-handle pattern?

Is this is one of those "find the hidden objects in the picture" puzzles you see in Highlights Kids Magazine ?
I love those puzzles!
by Bustoff
Wed Jul 22, 2015 6:55 am
Forum: Personal Consumer Issues
Topic: El Paso into Juarez - Day trip w/ family - Safe and practical?
Replies: 32
Views: 2777

Re: El Paso into Juarez - Day trip w/ family - Safe and practical?

I know that Juarez had a spike in crime a few years back, but my understanding is that this has ebbed more recently. Given that we'd be there in the daytime (mid morning to mid afternoon), mainly in tourist traveled areas, is this a reasonable plan? If your "understanding" is that kidnapp...
by Bustoff
Wed Jul 22, 2015 6:45 am
Forum: Personal Consumer Issues
Topic: Looking for secure online bank
Replies: 18
Views: 1892

Re: Looking for secure online bank

Google list: https://twofactorauth.org/ Note Ally bank is there, which is always mentioned here as having good rates. I think it has a 16 letter maximum pw, but I don't know the specifics. Mike Happy member of Ally here. And it is great to know that if there ever is a problem, I can reach them quic...
by Bustoff
Mon Jul 20, 2015 6:10 am
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 4946

Re: Recommendations for gas grill

I'm a longtime Weber kettle user and have been considering gas, but mostly for the larger grilling surface.
But then I saw a Hasty-Bake grill. It's a charcoal grill but it has great features like a tempered glass window and it can grill, bake or smoke.
Just curious if anyone has one of these.
by Bustoff
Fri Jul 10, 2015 9:27 am
Forum: Investing - Theory, News & General
Topic: Are Treasury bonds in a "bubble"?
Replies: 17
Views: 1593

Re: Are Treasury bonds in a "bubble"?

Like others I own Vanguard Total Bond in tax advantaged. I'm not concerned about either a "bond bubble" or interest rate risk because I plan to hold the fund longer than its 5.7 year average duration. However, I am concerned with its return. The 3-year average annual return is 1.40% (as of...
by Bustoff
Thu Jul 09, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 395
Views: 70794

Re: Pull-ups and Push-ups

I'm up to 120 push-ups but not all at once. I do a set of 50, 40 then 30. I do crunches between the push-ups.
For some reason I still can't do more than 4 pull-ups.
by Bustoff
Thu Jul 09, 2015 8:01 am
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11624

Re: TIPS - Did you give up?

Same here. Got out of VIPSX a long time ago ...do not recall the year ... sorry, too lazy to check. Hi Bustoff, Do you ever plan to invest in TIPS again? What bond fund do you now invest in? Best. Hi abuss, I'm not certain if I will ever invest in a TIPS fund again. I did not understand them when I...
by Bustoff
Thu Jul 09, 2015 6:55 am
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 82
Views: 10826

Re: Why High Equity Allocation in Retirement

... Does it depend on the size of ones portfolio. Perhaps you should have more equity if your portfolio is 1 million instead of 3 million? Or is it really true that the majority of people who contribute on this forum do not think it is wise to only have 30% in equity for a projected 30 year retirem...
by Bustoff
Wed Jul 08, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: NYSE trading halted [for more than 3 hours]
Replies: 32
Views: 2955

Re: NYSE trading halted

It was the Dukes ... it was the Dukes :twisted:
by Bustoff
Wed Jul 08, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: NYSE trading halted [for more than 3 hours]
Replies: 32
Views: 2955

Re: NYSE trading halted

Apparently it was a router malfunction.
by Bustoff
Wed Jul 08, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: NYSE trading halted [for more than 3 hours]
Replies: 32
Views: 2955

Re: NYSE trading halted

jebmke wrote:Must be moving their data on United Airlines.

Gee, what a coincidence.
by Bustoff
Tue Jul 07, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 112
Views: 11624

Re: TIPS - Did you give up?

Same here. Got out of VIPSX a long time ago ...do not recall the year ... sorry, too lazy to check.
by Bustoff
Tue Jul 07, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9196

Re: What age did you become debt free and what opportunities did it create?

Re: What age did you become debt free and what opportunities did it create? I think I was around 45 at mortgage pay off. Being debt free allowed us to squirrel away much more . How much more? That is questionable. Let's say you are in a 30 year mortgage, in year 5 you pay off the entire mortgage - ...
by Bustoff
Tue Jul 07, 2015 7:44 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9196

Re: What age did you become debt free and what opportunities did it create?

nyinca wrote: Re: What age did you become debt free and what opportunities did it create?

I think I was around 45 at mortgage pay off. Being debt free allowed us to squirrel away much more.
by Bustoff
Mon Jul 06, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 11449

Re: What is the best meal you've had at a restaurant?

Anything at Mangia Mangia Italian restaurant in Huntington Beach, CA.
by Bustoff
Mon Jul 06, 2015 4:24 pm
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 43
Views: 2591

Re: Slow down?

I noticed as well. I just figured it was the Greek contagion. :shock:
by Bustoff
Mon Jul 06, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 5287

Re: New tires - where to buy, how to get a good deal?

Before I recently bought some tires I researched quite a bit and ended up (mostly just by chance) at Costco. They seems to rotate between coupons for Bridgestone and Michelin. With the coupon (I believe $70 off four tires) it was a great deal for what I got (Bridgestone - Potenza RE970s). I love Ti...
by Bustoff
Mon Jul 06, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: retiring by end of year, maybe sooner
Replies: 31
Views: 3740

Re: retiring by end of year, maybe sooner

jcar wrote:To minimize tax one thing I'm considering is using a heloc for funds for a few years.

What is the rational for this strategy?
by Bustoff
Mon Jul 06, 2015 7:17 am
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 25947

Re: The next Lehman - this week? [Greek default]

Yawn.
... the Greeks say NO and the Eurozone will respond by saying we need to provide a Bailout, for they know not what they are doing.
by Bustoff
Wed Jun 17, 2015 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 56
Views: 8869

Re: Vanguard's new Personal Advisor Services

Vanguard price cuts rattle the brokers who sell its funds : "It's scary to have Vanguard do this," said Bill Hayes, co-owner of Kingston, Massachusetts-based advisory firm Charles Carroll Financial Partners. " I have a lot of clients' money there, and I'll pull it in a heartbeat if t...
by Bustoff
Wed Jun 17, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: Paying Over Blue Book Value for Used Car
Replies: 12
Views: 1404

Re: Paying Over Blue Book Value for Used Car

The private party used car market must be very hot, since I regularly see excellent condition one owner private party very low mileage under (4k yearly miles) used 5 year old and newer mid-size cars have an asking price of well over (about $1000 to $1500 more) than the Blue Book value. I know that ...
by Bustoff
Wed Jun 17, 2015 5:44 am
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 8209

Re: Retirement areas, not Florida

We have been retired for 10 years in Florida and would like to move on to a nice Retirement Community with less heat and humidity. Looking for suggestions in the North Carolina, South Carolina, Virginia, etc. Thanks Unless you are on the beach, North Carolina, South Carolina or Virginia won't provi...
by Bustoff
Wed Jun 17, 2015 5:36 am
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 8209

Re: Retirement areas, not Florida

joe8d wrote:
To me, anything over 70F is too hot.


Same here. WNY has wonderful summers and we have plenty of drinkable water .

+1 ... Buffalo summers are glorious.
by Bustoff
Wed Jun 17, 2015 5:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 56
Views: 8869

Re: Vanguard's new Personal Advisor Services

Vanguard price cuts rattle the brokers who sell its funds : "It's scary to have Vanguard do this," said Bill Hayes, co-owner of Kingston, Massachusetts-based advisory firm Charles Carroll Financial Partners. " I have a lot of clients' money there, and I'll pull it in a heartbeat if t...
by Bustoff
Sun Jun 14, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 14391

Re: Will we be eating cat food?

msrumphius wrote:Our home is in a brisk zip code.


I gots to know.
What is a "brisk" zip code ?
by Bustoff
Sat Jun 13, 2015 7:06 am
Forum: Investing - Theory, News & General
Topic: Does break-even duration matter if bond fund payments are not re-invested?
Replies: 32
Views: 3089

Re: Does break-even duration matter if bond fund payments are not re-invested?

Maybe this will help.
Go to Yahoo finance and chart the price of VBMFX for the max time frame. Compare that Yahoo price chart with a Morningstar chart of VBMFX. The Morningstar chart reflects dividends reinvested whereas the Yahoo chart does not.
by Bustoff
Sun Jun 07, 2015 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12861

Re: Frugal Millionaires

Thanks. My apologies for the duplicate post. :oops:
by Bustoff
Sun Jun 07, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12861

Frugal Millionaires

[Thread merged, see below. --admin LadyGeek] NYT article titled, "Millionaires Who Are Frugal When They Don’t Have to Be", caught my eye this morning. Apparently "frugal" is a relative term -- not what I was expecting. http://www.nytimes.com/2015/06/06/your-money/skimping-on-the...
by Bustoff
Sun Jun 07, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1001
Views: 161339

Re: What Movie Have You Recently Watched?

"Birdman" - :thumbsdown

"Inherent Vice" - Unintelligible ... turned it off after 30 minutes.
by Bustoff
Sat Jun 06, 2015 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2694

Re: Secondary CDs

FYI ... just checked the Vanguard website. New issue brokered 5-year CD's at 2.25%.
by Bustoff
Sat May 23, 2015 7:43 am
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 7518

Re: Bill Gross Thinks the End Is Near

I think the end of Bill Gross draws near.
by Bustoff
Sat May 23, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 9978

Re: Not your father's Total Bond Market Fund anymore

Doc wrote:I this really what you want for one of your three funds?

At first I thought this was a trick question. Then I realized the answer is really quite simple -- and the solution even more so.
by Bustoff
Sat May 23, 2015 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Investing after Retirement
Replies: 10
Views: 1312

Re: Investing after Retirement

I am 64 years old and am going to retire in 3 months. I have no debt (own all my cars, home, etc.). I will have $3,200 (pre-tax) coming in each month from a pension and about $3,500 from Social Security (combined with my wife) at age 66. I also have a 401K with $110,000 and $90,000 in savings. I am...
by Bustoff
Sun May 17, 2015 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of Timing the Market!
Replies: 30
Views: 3254

Re: Talk me out of Timing the Market!

Here is a sobering statistic for you: While the S&P 500 has generated annualized returns of 9.9% over the past 20 years—and a boring old asset allocation of 60% stocks and 40% bonds has managed to return a solid 8.7%—the average investor has eked out a measly 2.5%. Why Individual Investors Do S...
by Bustoff
Fri May 08, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Do you get non-zero peak values on your CO detector?
Replies: 11
Views: 977

Re: Do you get non-zero peak values on your CO detector?

1) get new detectors. They age and fail. Thanks! How often would you recommend replacement? The printed directions say, and I think our current one actually says so on the back near the sticker with the manufacturing date on it. Nowadays they actually start timing when first powered on. We didn't a...
by Bustoff
Fri May 08, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: Do you get non-zero peak values on your CO detector?
Replies: 11
Views: 977

Re: Do you get non-zero peak values on your CO detector?

Professor Emeritus wrote:1) get new detectors. They age and fail.

Thanks! How often would you recommend replacement?
by Bustoff
Wed May 06, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 6015

Re: Are we experiencing a bond correction or crash?

Just saw Yellen on Bloomberg warning, "we could see a sharp jump in long term rates". I'm confused. Hasn't most of the commentary regarding the Fed rate hike been warning that short-term rates would be adversely affected much more than long rates? “We could see a sharp jump in long-term ra...
by Bustoff
Sun May 03, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Truecar -- isn't this just a car buying scam?
Replies: 127
Views: 10552

Re: Truecar -- isn't this just a car buying scam?

So, my understanding is that dealers pay Truecar $299 if a sucker (er, customer) comes in with a Truecar report and actually buys a car. How is this anything but a lead-generating scam for dealers that they are willing to pay for? +1 ... Truecar is a dealer tool. TrueCar's main purpose/function is ...
by Bustoff
Sat May 02, 2015 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advise - Retiring Teacher
Replies: 10
Views: 1036

Re: Portfolio Advise - Retiring Teacher

Upon retirement, I will be eligible for the Teachers Retirement System which provides 60% of highest salary ($73,000 X 0.6) resulting in $43,800. Rental Income - $41,000 (rent collections less expenses) Questions: What do you think of my asset allocation? 50/50 sounds reasonable subject to your own...
by Bustoff
Fri May 01, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Want to plan a San Diego vacation
Replies: 19
Views: 1327

Re: Want to plan a San Diego vacation

For $200/night you could stay downtown especially since you're booking in advance. Consider the Marriot Marquis if you're staying downtown. If you really want the Holiday Inn / Double Tree bracket, then Mission Valley has tons of hotels. However it will just be the launching point for your expediti...
by Bustoff
Sun Apr 26, 2015 7:33 am
Forum: Investing - Theory, News & General
Topic: Tilting
Replies: 37
Views: 2390

Re: Jack Bogle on "tilting"

Jack Bogle gave a very important speech in Chicago which I attended. His speech gave his views about many subjects, including tilting (he's against it)--and why. You can read the speech here: THE TELLTALE CHART Best wishes Taylor +1 ... Now that I'm retired, the goal is to reduce Decision Fatigue :...
by Bustoff
Wed Apr 22, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 55
Views: 5153

Re: Buying a Car to commute - SUV or Sedan?

Why not get both.
Subaru XV Crosstrek 2015

Starting at
$21,595 MSRP. Up to 34 /26 MPG.
by Bustoff
Wed Apr 22, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 6567

Re: Favorite Vacation/Trip

Summer trip from DC ? How about Nova Scotia.
by Bustoff
Wed Apr 22, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 50
Views: 2939

Re: Visiting Nashville during the summer

Gaylord Opryland is a cool place to stroll around for an evening. Be sure to catch the fountain show.
by Bustoff
Wed Apr 22, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 9036

Re: What's your average monthly expense???

TRC wrote:
dreamer wrote:Grocery: $250 - $300


How on earth is this even remotely possible for a family of 2 in CA? Are you eating out a lot?

We spend $500/mo on groceries for two. After seeing the responses, our $500 seems high.

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