Search found 1538 matches

by Bustoff
Thu Sep 03, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 36
Views: 3240

Re: New SUV, $50G, Pilot/Highlander/Other

Been looking at SUV's for a a couple years. I can't seem to find a compelling enough reason to fork over the extra dough. Half of them remind me of those old goofy station wagons, and the other half look more like minivans. IMO, those third rows are useless. How many times do you see an SUV on the r...
by Bustoff
Thu Sep 03, 2015 5:59 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 967
Views: 191422

Re: What Book Are You Currently Reading? Part VI

Currently reading Falling Short: The Coming Retirement Crisis and What to Do About It , by Charles Ellis, Alicia Munnell and Andrew Eschtruth. The authors contend that the golden age of retirement is a thing of the past. Longer lifespans, rising healthcare costs and the disappearance of employer spo...
by Bustoff
Wed Sep 02, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 111
Views: 6536

Re: Selling all equities, discuss why I'm wrong. :)

I've always felt that over 30yrs returns were determined by GDP growth, over 10yrs by valuations, and over 1yr by crowd psychology. It seems that valuations are quite high right now, and though 3 or 4 data points don't constitute a statistically significant sample, all the time in which valuations ...
by Bustoff
Wed Sep 02, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: AQR/Asness - How Can a Strategy Still Work If Everyone Knows About It?
Replies: 55
Views: 2479

It's not your father's indexing

Commentary by Vanguard Chief Investment Officer Tim Buckley Back in the 1980s, Oldsmobile tried to redefine itself with the slogan, “It’s not your father’s Oldsmobile.” The suggestion was that the brand’s previous models were old-fashioned, while its new models were sleek and modern. Today, certain ...
by Bustoff
Tue Sep 01, 2015 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Deductng health insurance premium
Replies: 4
Views: 752

Re: Deductng health insurance premium

If you have an HSA you can deduct insurance premiums as qualified medical expenses if the premiums are for: 1. Long-term care insurance. 2. Health care continuation coverage (such as coverage under COBRA). 3. Health care coverage while receiving unemployment compensation under federal or state law. ...
by Bustoff
Wed Aug 26, 2015 6:23 pm
Forum: Personal Consumer Issues
Topic: Dinning in Taos and Santa Fe
Replies: 19
Views: 1626

Re: Dinning in Taos and Santa Fe

This is a little off topic from my OP, but if anyone is heading to ABQ or Santa Fe, make sure you don't miss Kasha-Katuwe Tent Rocks National Monument . It was one of the best short hikes we ever experienced. We actually discovered this gem by accident while speaking with our server at The Shed rest...
by Bustoff
Tue Aug 25, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Dinning in Taos and Santa Fe
Replies: 19
Views: 1626

Re: Dinning in Taos and Santa Fe

Dinner at Tomasita's was a very good experience. The red sauce was nice and spicy. The tamales were excellent.
They have charging stations in the parking lot for your electric vehicle.
by Bustoff
Mon Aug 24, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: Dinning in Taos and Santa Fe
Replies: 19
Views: 1626

Re: Dinning in Taos and Santa Fe

Thanks everyone for your recommendations.

pezblanco, we are heading to ABQ next. Last time in ABQ we tried El Modelo It's in a sketchy area but the food was great ...the red sauce was really excellent.
by Bustoff
Mon Aug 24, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Dinning in Taos and Santa Fe
Replies: 19
Views: 1626

Re: Dinning in Taos and Santa Fe

Good morning powermega and PaddyMac.
Thanks for the suggestions and links
by Bustoff
Mon Aug 24, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Dinning in Taos and Santa Fe
Replies: 19
Views: 1626

Dinning in Taos and Santa Fe

On or way to Santa Fe today and will be stopping in Taos for lunch. I'm looking for recommendations for lunch in Taos and good Mexican food for dinner in Santa Fe. Priority is good food versus fancy atmosphere.

Thanks.

P.S. "Stay the Course"
by Bustoff
Mon Aug 24, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Colorado Circle Tour
Replies: 28
Views: 1834

Re: Colorado Circle Tour

Just finished a week of hiking in Rocky Mountain National Park. Don't miss this National Park. Seniors get a lifetime National Parks Pass for $10. On our last day we attempted to summit Mt.Ypsilon but failed due to 80 mph winds above 12,500 feet. Would also suggest Royal Gorge outside Colorado Sprin...
by Bustoff
Mon Aug 24, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383442

Re: U.S. stocks in freefall

InvestorNewb wrote:What is going on? :oops:

The Duke's are trying to corner the market!
by Bustoff
Mon Aug 24, 2015 9:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383442

Re: U.S. stocks in freefall

Dow is up 500 points from low at open.
Never saw the Dow go up 500 points in one day. Time to take some profits.
by Bustoff
Mon Aug 03, 2015 6:04 am
Forum: Personal Finance (Not Investing)
Topic: ACA & Roth conversions
Replies: 7
Views: 789

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: 2596

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: 2387

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: 33
Views: 3121

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: 1961

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: 5112

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: 1623

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: 71319

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: 113
Views: 12288

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: 10965

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: 3112

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: 3112

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: 3112

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: 113
Views: 12288

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: 9481

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: 9481

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: 11582

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: 3193

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: 5948

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: 3772

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: 26532

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: 9311

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: 1442

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: 8300

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: 8300

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: 9311

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: 14479

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: 3127

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: 13005

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: 13005

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: 1049
Views: 177365

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: 2726

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: 7612

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: 10054

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.

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