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Re: But why not 100% stock index fund?

Currently I'm at 92% at age 46 ...after 2000 I switched all the money outside of retirement acct's into cd's, I bonds and high yield savings acct's which is approx 25% of my financial worth. If 25% of your net worth is in CDs, I Bonds and savings then your AA is not 92% stocks...unless I'm reading ...
by Candor
Sun Jul 13, 2014 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 6898

Re: But why not 100% stock index fund?

I have been over 90% stock funds, and at times 100%, in my retirement account since day one. Currently I'm at 92% at age 46 and will continue that general allocation for the next few years. The dot.com bust and 2008 were painful but I was able to keep perspective and soldier on. However, after 2000 ...
by Candor
Sun Jul 13, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 6898

Re: Anyone here own a safe?

I read the thread pretty fast so I may have missed it but I didn't see a couple things mentioned that you may want to consider. You can add considerable weight to a safe by purchasing weightlifting plates or similar items if you have the room in the safe. Also, it may be worthwhile to put a cheap sa...
by Candor
Thu Jun 05, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here own a safe?
Replies: 91
Views: 12536

Re: Hiring someone versus painting yourself

I took a week off to paint the exterior of my modest one story house years ago and wasn't even close to finishing it. I didn't work from sunup to sundown but I put in some serious time that week and couldn't believe how little I accomplished. I am pretty picky about prepping and making sure I do a q...
by Candor
Sun May 25, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4216

Re: Binocular Recommendation Request

This is a recent thread asking the same question on a photography forum I frequent (in the bird section) and it has some good info. http://photography-on-the.net/forum/showthread.php?t=1372526 I have a set of Nikon Monarchs that I bought a few years ago that were highly rated at the time and have se...
by Candor
Sun Apr 20, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 13
Views: 710

Re: Expensive hobbies and possessions? (B/c you can...)

Photography. I have one lens that I bought a few years ago that cost $6k and I'm now thinking about upgrading to one that cost more than double. :oops: But it makes me happy. :D
by Candor
Thu Apr 03, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 12857

Re: What are reliable refrigerator brands these days?

Unfortunately, my occasional meet-ups with our appliance repairman are very discouraging. When I ask him what brand he would recommend for purchase these days, his answer, for several years now, and regardless of the specific type of appliance being discussed, has usually been: "None. They're ...
by Candor
Mon Feb 17, 2014 11:33 pm
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 6560

Re: The Funniest Movie Ever

All of my favourites have already been listed except for one unless I missed it. I skimmed over the thread pretty quickly so I might not have caught it but O Brother, Where art Thou is near the top of my list and makes me laugh out loud every time I see it. Each time I watch I always catch nuances t...
by Candor
Fri Jan 03, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 11342

Re: What is your winter thermostat setting (while you are up

I always knew deep down I was destined to be a one-percenter and to achieve that here at BH's really makes me appreciate the small things in life like a thermostat set to 76 degrees when it's 19 degrees outside. :D
by Candor
Fri Jan 03, 2014 11:38 pm
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8511

Re: What does a Bogle TV look like?

I bought the 50" Panasonic plasma tv that I have today many years ago and I remember the salesman trying to pressure me into buying an extended warranty. To my surprise he detailed all the problems my new purchase was prone to experience in the next 3 years and how expensive they could be. To t...
by Candor
Fri Jan 03, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4229

Re: What is your winter thermostat setting (while you are up

I'm surprised to see BH settings this low. I wear shorts and a t-shirt when I'm home so I keep it at a toasty 76 degrees and 70 when I go to bed. I have a high tolerance for cold weather but spend a fair amount outside during the day so I like my house to be warm and I have a modest house so the hea...
by Candor
Tue Dec 31, 2013 11:40 pm
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8511

Re: What percentage of your income are you saving?

It was threads like this that made me realize I needed to increase my savings. I was comparing myself to friends and family and feeling pretty good about my situation but when I really started crunching the numbers I came to the conclusion that I wasn't doing enough and these threads were also a goo...
by Candor
Fri Dec 13, 2013 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 12335

Re: Poll: House value as % of assets when mortgage paid off.

Paid off the house at the beginning of the year in a lump sum which was 10 years early on a 30 year mortgage. It was 35.6% of NW at the time and is now at 30.5%.
by Candor
Tue Nov 26, 2013 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 3045

Re: Average Yearly Raises?

I've wondered how to calculate this when seeing others posting their % in the past so thanks for the formula. I also had to look up ^ not to mention find it on my keyboard. I was very surprised to be at 6.1% over the last 20 years for base salary.
by Candor
Fri Nov 22, 2013 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5446

Re: Watch experts - I need some advice

The TAG has an ETA 7750 movement which is a really fine one and wholesales for about $500 alone. Must this be a surprise or could you let your wife (without knowing the prices) decide? There is a saying in the watch world that the best watch for you is the one you want. If you want to surprise her,...
by Candor
Sat Aug 24, 2013 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1121

Re: Are you Walking in your Father's footsteps?

I would guess my parents NW was zero at my age (45) although my father did have a small RAF pension. They had just recently purchased their first home and mine is paid off so there is really no comparison financially. They came from lower working class in England and a farming background in Appalach...
by Candor
Thu Jul 11, 2013 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are you Walking in your Father's footsteps?
Replies: 83
Views: 8583

Re: [what's new in amateur] Astronomy [equipment]

Digital photography has come a long way in the last few years which allows even a hack like me to enjoy the night sky. That moon image stunning . Do you know how it was taken? That is obviously better than the famous series of moon photographs taken by the Lick observatory, which are what I grew up...
by Candor
Wed Jul 03, 2013 8:56 pm
 
Forum: Personal Consumer Issues
Topic: [what's new in amateur] Astronomy [equipment]
Replies: 19
Views: 1266

Re: [what's new in amateur] Astronomy [equipment]

Digital photography has come a long way in the last few years which allows even a hack like me to enjoy the night sky.

Image
by Candor
Sat Jun 29, 2013 11:38 pm
 
Forum: Personal Consumer Issues
Topic: [what's new in amateur] Astronomy [equipment]
Replies: 19
Views: 1266

Re: Spanked on Retirement, Gen X Still Doesn't Get It

At 45, single and no kids, I've recently paid off my modest house and currently save approx. 50% of my gross salary. I max out the 401k and have a sizeable emergency fund (for me) and still I'm not particularly confident about my retirement. I haven't always saved this much but generally I have live...
by Candor
Sat Jun 29, 2013 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Spanked on Retirement, Gen X Still Doesn't Get It
Replies: 60
Views: 11496

Re: 25 years today (how long u been on the job ???)

I'm approaching my 20th year in a couple of months. Funnily enough my manager made a big deal of me hitting 20 years LAST year and I didn't bother to correct him so it will be interesting to see what happens this year. :D
by Candor
Sat Jun 29, 2013 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5780

Re: [EveryDay Carry] EDC pocket knife?

A Khukri! Just kidding. A 940.
by Candor
Sat Jun 15, 2013 10:16 pm
 
Forum: Personal Consumer Issues
Topic: [EveryDay Carry] EDC pocket knife?
Replies: 69
Views: 4403

Re: Will insurance cover this flooded car?

Water damage (beyond a flood) should be a covered loss under your comprehensive coverage. I would contact your insurance company asap because they will make their own determination whether the vehicle is worth repairing or not and the longer water damage is allowed to sit the more potential damage.
by Candor
Sat Jun 15, 2013 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will insurance cover this flooded car?
Replies: 16
Views: 971

Re: Renting Tires

I have also seen some folks rent their 22 inch wheels and low profile tires on a weekly basis. They tend to be the same people with a title loan and an outrageous interest rate.
by Candor
Sun Jun 09, 2013 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Renting Tires
Replies: 19
Views: 1917

Re: 100% equities, anyone?

45 years old and my 401k is roughly 93% equities and has been 90+ since day one except for a brief period where it dipped a little below. Outside of retirement I'm 100% cash/equivalent which is about 13% of my NW and approx. 27% of my total savings/investments.
by Candor
Fri May 10, 2013 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 9820

Re: What % of your income have you converted to wealth?

45 single and currently at 45% (44.6). Hopefully they will both continue on the northern path.
by Candor
Thu Mar 21, 2013 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 53
Views: 5833

Re: Cash - do you keep a stash on hand?

I never used to keep any cash in the house until recently reading a thread similar to this one either here or ER that prompted me to rethink that and now I'm throwing $20's here and there until I get $1k built up for emergencies. I have what I would guess is $4000-5000 in a change bottle that I have...
by Candor
Fri Mar 15, 2013 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 6124

Re: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50

Since my 20's it was my goal to be 100% equities for retirement until 50 and this was a theory of mine with virtually no investment knowledge at a relatively early age. My plan at that point was to pull 10% out each year until I was comfortable with my AA but these days at the age of 45 now 50 doesn...
by Candor
Thu Feb 07, 2013 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50
Replies: 155
Views: 13086

Re: What % of your income are you saving for retirement?

45 years old, single and just paid off the mortgage last month so that helped to bump it up to roughly 45% of gross. I'm conflicted as to whether I'm overdoing the savings because it would be nice to have some extra cash to travel and enjoy hobbies a little more but this place and ER.org help keep m...
by Candor
Thu Feb 07, 2013 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 20834

Re: Merriman's advice for adding bonds over time

It was always my plan to be 100% equities for my retirement fund until I turned 50 and then move 10% a year into bonds until I get to a comfortable split of 50/50 or thereabouts and play it by ear depending on the circumstances. I did well until the dot.com bust and then I started putting some of my...
by Candor
Fri Oct 26, 2012 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Merriman's advice for adding bonds over time
Replies: 65
Views: 6215

Re: What percentage of your money do you save?

It turns out I save at least 20%. I didn't plan this percentage but I like round numbers as far as $$ and it just so happens this is 20%.
by Candor
Sun Oct 21, 2012 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your money do you save?
Replies: 24
Views: 3069

Re: Investors Worry/Markets Rally

Thanks for posting and I always enjoy and keep an eye out for your articles. Just an fyi on this sentence and I hope you take no offense but I thought you may want to correct it if possible: "So if the fiscal cliff doesn't happen, I would expect stock markets to respond positively, and the oppo...
by Candor
Fri Sep 21, 2012 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Worry/Markets Rally
Replies: 28
Views: 2874

Re: Have you received new 401K fee disclosures at your compa

Our 401k is currently with Merril Lynch and most of the funds have fairly high ER's and interestingly this week we were notified that our plan was being transferred in October to a new administrator which is mostly Vanguard funds. We haven't received the disclosure yet.
by Candor
Thu Aug 16, 2012 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you received new 401K fee disclosures at your company?
Replies: 33
Views: 2662

Re: Is Treasury Direct so bad that I should no longer….

I've been using TD since 2003 and haven't had any problems until the last few months. Every time I log in it requires me to input a temp passcode that is sent to my e-mail acct. because it states my computer isn't registered. I check the box to register my computer but to no avail. I'm sure there is...
by Candor
Sun Jul 08, 2012 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct so bad that I should no longer….
Replies: 39
Views: 5701

Re: Help with my Settlement for being Rear-Ended

It's interesting all the get an attorney crowd over such a minor incident. Typical I suppose but not many attorneys will want to waste their time on this one. The good thing about attorneys is that they can set the the clients expectations at a reasonable level because they generally know what they ...
by Candor
Mon May 28, 2012 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with my Settlement for being Rear-Ended
Replies: 27
Views: 2935

Re: What was your Savings Rate in 2011?

25% last year and looking at 31% this year and shooting for 50% in the next year or two. This place is a bad influence on my current fun quotient. :D
by Candor
Sat Mar 24, 2012 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What was your Savings Rate in 2011?
Replies: 123
Views: 7196

Re: Can Adele Sing?

Taste is subjective, but it's hard to make a case she's not talented or doesn't have a "good" voice. http://www.npr.org/event/music/133687905/adele-tiny-desk-concert I'm not a huge fan, but this Tiny Desk concert is AMAZING. Anyone who cares to watch this video will have their question an...
by Candor
Sat Jan 14, 2012 12:18 am
 
Forum: Personal Consumer Issues
Topic: Can Adele Sing?
Replies: 56
Views: 3933

Re: Can Adele Sing?

I'm not sure how anyone could say Adele can't sing. Although she does like her smokes. Different strokes I guess.

http://www.youtube.com/watch?v=qemWRToNYJY
by Candor
Fri Jan 13, 2012 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Can Adele Sing?
Replies: 56
Views: 3933

Re: My Christmas present to the Bogleheads . .

One of the most rewarding experiences in my life was attending an 82nd Airborne convention in the late 80's. They brought in a few of us currently active guys but most were WWII vets. There were 101st Abn, Rangers and even a couple British paratroopers. Most of the drop zones at Fort Bragg are named...
by Candor
Fri Dec 23, 2011 11:22 pm
 
Forum: Personal Consumer Issues
Topic: My Christmas present to the Bogleheads . .
Replies: 65
Views: 4839

Re: Small pension lump sum offer

Thank you all for your replies! I was expecting more of a lump sum offer and I think that affected my reaction. After giving it more thought and reading the insightful responses here I think I will just hold tight with the pension.
by Candor
Thu Oct 20, 2011 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small pension lump sum offer
Replies: 9
Views: 798

Carl I think I like Bertilak's math better than yours! Hehe. I think I'm ready to retire and didn't know it. Just kidding.
by Candor
Sat Oct 15, 2011 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small pension lump sum offer
Replies: 9
Views: 798

Small pension lump sum offer

I recently received a package from a company I used to work for offering a window to cash out a small pension I had while working there. They offer several options but I'm only interested in two of them. I can do nothing and receive $238 a month when I turn 65 or I can take a lump sum of $8700 and r...
by Candor
Sat Oct 15, 2011 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small pension lump sum offer
Replies: 9
Views: 798

I still live in the "starter" home I bought 17 years ago right out of school. It is by far the smallest house of any of my friends and over the years I have always planned to move to a larger house with some land but for one reason or another I never got around to it. These days many of my...
by Candor
Sat Oct 01, 2011 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Starter Home or buy young and stay forever
Replies: 18
Views: 2266

"Thats when she told me a story 'bout free milk and a cow"
by Candor
Sat Sep 24, 2011 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Favorite song line?
Replies: 153
Views: 9527

I ran into this fellow while hiking recently and we came to a mutual agreement not to cause a stir.

Image
by Candor
Thu Sep 01, 2011 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone survived a bear attack?
Replies: 157
Views: 15688

There is a difference in whether you are not at fault and whether you can prove you are not at fault. If there are conflicting accounts of the accident from the involved parties and no independent resource which would support one over the other then that would likely affect your premium. If an ins. ...
by Candor
Sun Aug 14, 2011 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident and how to use auto insurance
Replies: 16
Views: 1634

There's really no need to notify your insurance if everything goes smoothly with the other insurance co. Contact them and present the claim and if they take care of it you're done. If you run into a problem then you can contact your insurance. Like others have said if you are not at fault it won't c...
by Candor
Sun Aug 14, 2011 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident and how to use auto insurance
Replies: 16
Views: 1634

- The press will pound this one into the ground because it will garner ratings.
-The masses will eat it up
- Perception will rule the day
- I'll be on vacation this week :D
by Candor
Fri Aug 05, 2011 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. loses AAA credit rating from S&P
Replies: 286
Views: 26099

Re: Giving up sports ?

Hi Candor: Now I'm in my 40's and in a decent financial situation but my hard driving younger years have caught up with me in the form of a bad back and I don't see me ever being able pursue the sports that I did in my youth. Don't worry, there are many sports that don't require a "good" ...
by Candor
Sun Jul 31, 2011 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Such a thing as saving too much?
Replies: 46
Views: 5602

I also struggle with this at times and wonder if I'm living too much for the future and not enough for the present. I used to be into adventure/adrenaline sports quite a bit and cut some of them out in my thirties in an effort to build my savings and secure my future with the thought of picking them...
by Candor
Sat Jul 30, 2011 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Such a thing as saving too much?
Replies: 46
Views: 5602

Paintless dent repair will likely be the route they take unless the damage is severe. It is a very effective repair procedure for hail damage. Generally the hood and trunk are replaced if the damage is very heavy and this will require painting these parts and possibly blending into the adjacent pane...
by Candor
Fri Jul 22, 2011 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Major hail damage on new car. What should insurance do?
Replies: 14
Views: 3089
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