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Re: Binocular Recommendation Request

Search forum, several past threads on this. Also, Cannon Image Stabilizer binoculars - more than you want to spend, but they are fantastic for distance viewing.
by DualIncomeNoDebt
Sat Apr 19, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 13
Views: 584

Re: POLL: why carry cash?

I find myself frustrated waiting for the ones in front of me to dig pennies out of their pocket or purse, trying to find the exact change. . . . I can't say that my observations have concluded this, but I just don't understand why anyone wants to stand in line longer than they need to and walk away...
by DualIncomeNoDebt
Sat Apr 19, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 216
Views: 6883

Re: Stocks: How Bad It Can Get

These must be the "Plan B" graphs.
by DualIncomeNoDebt
Tue Apr 15, 2014 1:30 am
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5368

Re: Trip to Jamaica

Jamaica. Never again.
by DualIncomeNoDebt
Mon Apr 14, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: Trip to Jamaica
Replies: 9
Views: 1030

Re: Poll: Less than initial quote by car dealer for used ca

I don't see this being very useful. Your deal will be car-specific, i.e. model, year, mileage, condition. Thus it is market price for your particular model, year, mileage that is most important. Getting generalized percentage reductions across all models for all years, without any reference to milea...
by DualIncomeNoDebt
Sat Apr 12, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Less than initial quote by car dealer for used car?
Replies: 9
Views: 823

Re: My Investment Policy Statement

Joel wrote:Since my expected retirement is 25+ years away, I'm comfortable with the low allocation to bonds. A significant market crash would recover within my timeline to retire.


Citizens of Japan would like a word with you . . . .

Image
by DualIncomeNoDebt
Sat Apr 12, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Investment Policy Statement
Replies: 13
Views: 882

Re: Making a Will (Young Couple)

Another suggestion: what state do you reside in? Check your state codes, some, if not many, will have a "statutory will" which is derived from the state's probate codes. It will be simple and bare-bones. But it also will provide for the valid assignment of assets after death, which can be ...
by DualIncomeNoDebt
Sat Apr 12, 2014 4:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Making a Will (Young Couple)
Replies: 16
Views: 1281

Re: Stock markets in free fall?

Bonds are still a waste of time for young investors (<40yrs) who plan on retiring at 55 or later, even if the market drops another 30-40%. The market has risen well over that in the last few years and bonds would have been a major drag on returns. Better recalculate how much you are earning for you...
by DualIncomeNoDebt
Sat Apr 12, 2014 2:44 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6560

Re: Playing Defense

What happened to all the people who were "100% equitites"? Where are the 95/5 chest thumpers? To your question OP, fixed income is the answer. Get some yield, take a little less market risk, enjoy. Also, give a gander at http://www.portfolioreviewonline.com/index.php?issue=6&article=47...
by DualIncomeNoDebt
Fri Apr 11, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Playing Defense [against possible market correction]
Replies: 36
Views: 2949

Re: How to short?

1. You need an account with margin. You may also need to request short trading, depending on broker (similar to how you request Level 2 or Level 3 derivatives trading so you can sell covered calls, for example). 2. Go to the trading page of your account, enter stock symbol. When you do with your acc...
by DualIncomeNoDebt
Fri Apr 11, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How to short?
Replies: 14
Views: 1138

Re: Getting Passport without specific travel plans?

You don't need to complete that section. Don't fill it in, it's none of the government's business. Same thing for emergency contacts, phone numbers, etc. All of those are not mandatory and I leave them blank.
by DualIncomeNoDebt
Fri Apr 11, 2014 3:13 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1800

Re: Wait for better tenant application or approve the one I

Take them. One year is standard. I'm leasing right now and if the property owner told me I need to execute a two-year term, I'd walk immediately. And that would be a mistake, as we are ideal tenants (no pets, no kids, get the place cleaned every few months, could buy the property ten times over). Po...
by DualIncomeNoDebt
Wed Apr 09, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1579

Re: Help with asset allocation post-windfall

and is this a good way to go about allocating the windfall? Not really. The "planned allocations" is a major labyrinth. Pick a simple allocation plan you are comfortable with, and stick to it. Short-term needs, cash or low tenor CD. Your time and energy would be much better spent analyzin...
by DualIncomeNoDebt
Wed Apr 09, 2014 5:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation post-windfall
Replies: 6
Views: 525

Re: Road trip advice?

1) Get a GPS receiver if you don't already have one. Preferably with traffic. Make sure the map is updated. Let me be the fourth to recommend this. Spend the money and get a good, standalone GPS device with permanent traffic receiver and free map updates. I prefer Garmin Nuvi -- get one with "...
by DualIncomeNoDebt
Tue Mar 25, 2014 2:59 am
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 2221

Re: Ashamed - Wells Fargo crushing me on credit/debit cards

I'd also check out Chase Sapphire Preferred. https://creditcards.chase.com/credit-cards/sapphire-preferred-card.aspx . You can get one with both the US swipe and the overseas chip-and-pin system, in one card. Very convenient. No foreign transaction fees on overseas purchases, or at least I've never ...
by DualIncomeNoDebt
Mon Mar 24, 2014 11:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ashamed - Wells Fargo crushing me on credit/debit card fees
Replies: 18
Views: 2045

Re: Leaving Fidelity

because I though if I died my wife wouldn't know how to managed the money. You should research prior posts concerning this topic. There are several concerning surviving spouse/partner and investments, and how to undertake a simple Vanguard allocation so that the survivor isn't confused or taken adv...
by DualIncomeNoDebt
Sat Mar 22, 2014 1:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Fidelity
Replies: 35
Views: 3031

Re: Tax exempt bond funds in taxable?

I was wondering if holding tax-exempt bond funds such as VCAIX [expense ratio 0.2%] in my taxable account would be a good idea. Any suggestions? If all your tax-advantaged space is used, and you are in a high-income tax bracket, short answer: yes. If you are not in a high bracket, then I think you ...
by DualIncomeNoDebt
Fri Mar 21, 2014 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax exempt bond funds in taxable?
Replies: 18
Views: 1347

Re: best way to buy jewelry?

1. Avoid most mall jewelers. Ripoffs and low quality, along with high prices. 2. How about a world luxury cruise, or a convertible sports car, instead of baubles. Would she like that? 3. If you are dead set on jewelry, my suggestion: luxury Rolex watch. Think about it. A Rolex with some bling, perha...
by DualIncomeNoDebt
Fri Mar 21, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: best way to buy jewelry?
Replies: 28
Views: 1851

Re: foreign sales people calling 5 times daily

If you are using iOS 7 or an iPhone, you can block any number, permanently. Phone won't ring, they get routed to a black hole.

If you are using an Android phone, it also has call blocking.

If this is a home phone and you have Caller ID, there are packages you can use to permanently block numbers.
by DualIncomeNoDebt
Thu Mar 20, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: foreign sales people calling 5 times daily
Replies: 41
Views: 2653

Re: You can lead a horse to water...

Over the past year, I've loaned them a few thousand dollars for such things as heating oil. I have no expectation of having that repaid. Is this not proof enough of the outcome? If taking your money and not paying you back fails to spur them into action, you think some stranger talking about financ...
by DualIncomeNoDebt
Thu Mar 20, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: You can lead a horse to water... [Giving financial advice]
Replies: 50
Views: 5166

Re: Stay or move is the financial question.

Take it from a Californian -- if the only thing being offered is a $10k salary bump, decline and don't give it a second thought. Taxes will eat you alive at that salary, particularly in San Francisco (but anywhere in CA is bad), as will the monstrously higher cost of living. You will be far, far bet...
by DualIncomeNoDebt
Wed Mar 12, 2014 1:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Stay or move is the financial question.
Replies: 21
Views: 1567

Re: Roth IRA contributions & exceeding the income limit

Going forward, would I be better off switching my bi-weekly deposits into a savings account and make 1 large contribution from that account after I know my AGI for a given year? Short answer, yes. Esp. if you are in a profession where a bonus can blow you past the cap, or where you have other incom...
by DualIncomeNoDebt
Tue Mar 11, 2014 6:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contributions & exceeding the income limit
Replies: 5
Views: 312

Re: William Bernstein-When you've won the game, why keep pla

I dislike this phrase, "won the game." First, it's overused. Second, and more problematic, it doesn't work. And it makes me cringe. "Winning" denotes victory in a contest against others -- competition is explicit in the words and the phrase. The phrase doesn't work in the investi...
by DualIncomeNoDebt
Tue Mar 11, 2014 5:40 am
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25044

Re: Your stock/bond mix for those ~20 yrs from retirement

I care less about the exact ratio, and am more concerned about losing money when rates start increasing. Bond funds will get crushed when interest rates start rising, and since we are at 0% now, there is only one direction for rates to go. I wouldn't be so sure about this. I don't think there's muc...
by DualIncomeNoDebt
Fri Mar 07, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your stock/bond mix for those ~20 yrs from retirement
Replies: 42
Views: 2792

Re: Your stock/bond mix for those ~20 yrs from retirement

30% equities, 70% bonds. Looking to retire before 45, which is in a few years, could semi-retire immediately if I so desired. If you are unsure whether you can stomach "big" equity swings, I encourage you to read the postings around here in 2008 and 2009. I remember distinctly the "Pl...
by DualIncomeNoDebt
Fri Mar 07, 2014 5:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Your stock/bond mix for those ~20 yrs from retirement
Replies: 42
Views: 2792

Re: Move to California means what $ ?

Who pays ten percent in CA income taxes? Do you know what the OP's income is, or you are referring to me or the median Californian or someone with income at twice the median? Anyone making more than $49,744 pays a marginal 9.3% rate. That is awfully high. There is no disputing -- no disputing -- Ca...
by DualIncomeNoDebt
Fri Mar 07, 2014 4:38 am
 
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 4337

Re: Move to California means what $ ?

For those with California experience, what should we consider and be prepared for regarding expense with the move? Currently in Illinois. Many thanks for the insights. Northern California can get cold. Not Illinois cold, but many evenings are brisk, and it's a significant difference between norther...
by DualIncomeNoDebt
Tue Mar 04, 2014 2:30 am
 
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 4337

Re: Help me beat my dad

1. Drop the whole life policy, and get term. Do not buy into the BS the insurance agents sell you about whole life being an "investment." You'll pay a whole lot more for mediocre, if not atrocious, investment performance, while the insurance underwriter earns big fees off of your money. Ge...
by DualIncomeNoDebt
Thu Feb 27, 2014 3:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me beat my dad['s fund picks]
Replies: 14
Views: 2004

Re: Just returned new laptop with Window 8.1

I strongly urge those who need a new computer to avoid Windows 8 and 8.1. Microsoft personnel should be ashamed of their product. Your answer always was, and continues to be, a Macbook Retina Pro. Best screen on the market, one of the best keyboards on the market, vastly superior operating system. ...
by DualIncomeNoDebt
Thu Feb 20, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 7826

Re: Wanting to know if this financial situation is feasible

So, two things. First, this entire exercise is a massive waste of time until cash is in hand. Before counting the option chickens, better take a very close look at the options egg. Get hold of the SOGN, including exercise price and vesting, any cap adjustments, par payments due upon exercise, excise...
by DualIncomeNoDebt
Wed Feb 19, 2014 3:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Wanting to know if this financial situation is feasible
Replies: 73
Views: 4961

Re: Voluntary Separation Package Advice

Accept the package. Accept the package. Accept the package.
by DualIncomeNoDebt
Sat Feb 15, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voluntary Separation Package Advice
Replies: 47
Views: 2875

Re: Colleague given land in Fla Keys

She was given property in the Fla Keys and cannot sell it but it is ready to be developed(house) put on it. . . . What are your thoughts? Options for her. You need to do the following, and I sincerely hope you do at least some of this. Have a good real estate lawyer determine (i) how this "no ...
by DualIncomeNoDebt
Sat Feb 15, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague given land in Fla Keys
Replies: 25
Views: 1765

Re: Buying the most expensive house you can afford

[i]The FIRE (finance, insurance, real estate) industry makes more money when you spend more money. This industry then spends a lot of money on propaganda to get you programmed to spend more and more. Other examples of the same drivel are "they aren't maying any more land," "buy now o...
by DualIncomeNoDebt
Mon Feb 03, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying the most expensive house you can afford
Replies: 101
Views: 7586

Re: How much financial support should you give your kids?

matonplayer wrote:The gift would come with caveats, though.


Then it's not a gift.
by DualIncomeNoDebt
Sun Feb 02, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3218

Re: Transferring large amounts

I don't mean any personal attack by this, but this discussion is ridiculous. First, a reality check. United States intraday bank liquidity flows are $14 trillion dollars. Every day: Fourteen. Trillion. Don't take my word for it: the Federal Reserve Bank says so. libertystreeteconomics.newyorkfed.org...
by DualIncomeNoDebt
Sun Feb 02, 2014 1:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Transferring large amounts
Replies: 18
Views: 1161

Re: Rent and save for next 5 years or stretch now?

OP, let me just chime in to say, California is, in my opinion, one of the most unfriendly states to young families and young adults, from a financial point of view. Many areas have simply ridiculous housing prices, and the added dropkick of subpar lots and homes on those lots. Taxes, among the highe...
by DualIncomeNoDebt
Mon Jan 20, 2014 3:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent and save for next 5 years or stretch now?
Replies: 38
Views: 2670

Best Comfort and Best Workout Clothes

I believe this falls under consumer goods. I am looking for recommendations concerning lines or brands for comfort clothes, and for workout clothes -- without regard to price. I am interested in the best (defined as comfort and utility), not the cheapest. I despise suits, fashion clothes, designer c...
by DualIncomeNoDebt
Sun Jan 19, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 2764

Re: Private School Funding

Series EE and I bonds, taxable interest exclusion. http://www.treasurydirect.gov/forms/savpdp0051.pdf. Take note of the income exclusions if you decide to participate.
by DualIncomeNoDebt
Wed Jan 01, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 4493

Re: Advice on complaining to securities regulators?

But a fine-print disclaimer three pages after the graph tells a different story. This is my line of work. I've been directly involved in this type of litigation from the private side, including some you likely read about on the front page of The Wall Street Journal , etc. First , sure, go ahead and...
by DualIncomeNoDebt
Thu Dec 19, 2013 2:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on complaining to securities regulators?
Replies: 9
Views: 833

Re: Life after Windows XP?

For any serious poweruser (I am one), Windows 8 is terrible. Windows 8.1, almost as bad. Metro UI = garbage. Charms = garbage. Touchscreen apps on a desktop = garbage. Still using *.dll calls = garbage. Windows 8 Registry and those horrendous HKEYS = garbage. All the MicroSoft proprietary junk no on...
by DualIncomeNoDebt
Tue Dec 17, 2013 5:17 am
 
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 117
Views: 6066

Re: Poll: How much will you spend on Christmas gifts?

Zero. I hate this forced gift-giving nonsense. Dislike Black Friday, Cyber Monday, and all the rest of the brainwashing. On the other hand, I do like quality retailers, unrushed and non-crowded shopping where you can get a fair deal for quality goods. Trade is important, and I enjoy supporting quali...
by DualIncomeNoDebt
Fri Dec 13, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Poll: How much will you spend on Christmas gifts?
Replies: 34
Views: 1415

Re: Who on here owned American Airlines Stock

I bought the preferreds when they were at something like $4. Made a bundle after the contracts got renegotiated and a deal was looking more likely. Solid trade, easy money.
by DualIncomeNoDebt
Thu Dec 12, 2013 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Who on here owned American Airlines Stock
Replies: 20
Views: 1565

Re: vanguard high yield bond fund as alternative

Same. I also use Vanguard's high yield and long-term bond funds. But I have conservative equity allocation, and I don't spend principal. So I'm comfortable hanging out on the long end of the yield curve, and taking on some more bond risk. This is counterbalanced with things like I and EE bonds, low ...
by DualIncomeNoDebt
Wed Dec 11, 2013 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: vanguard high yield bond fund as alternative
Replies: 6
Views: 1123

Re: 2 Residents, a ton of debt, and a hope to retire one day

$650k school debt, that's a mountain. Please listen to the posters above and to me: eliminating that debt must be a priority. It will be a millstone around your neck until it is totally eliminated. And based on experience, I would forestall any meaningful consumption until the school debt is zeroed ...
by DualIncomeNoDebt
Tue Dec 10, 2013 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Residents, a ton of debt, and a hope to retire one day
Replies: 30
Views: 2771

Re: Computer Hardware Experts: Is my hardrive on its last l

You need to run a S.M.A.R.T. diagnostic. S elf- M onitoring, A nalysis, and R eporting T echnology. Nearly all hard drives employ this tech. You can use either a third-party application, or you can check it via the command prompt. If you get a S.M.A.R.T. error, it is an indication your hard drive is...
by DualIncomeNoDebt
Sun Dec 08, 2013 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Computer Hardware Experts: Is my hardrive on its last leg?
Replies: 45
Views: 2346

Re: Starting over at 40 - advice?

Sorry if this question is too personal, but, were you footing all the legal and divorce-related bills? What about your significant other, didn't they have to help share costs? If you don't answer or if this is off-topic, I understand and wish you the best this holiday season.
by DualIncomeNoDebt
Sat Nov 23, 2013 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting over at 40 - advice?
Replies: 22
Views: 2013

Re: Thinning hair/ hair loss products

OP, honestly, go with a very short haircut, basically a buzz or clipper cut. Why? Because if you are balding, a very close cut actually helps to blend in your hair, makes it much less obvious you are balding. Long hair exposes your shortcomings; a very short haircut conceals them. Also, you're not f...
by DualIncomeNoDebt
Wed Nov 20, 2013 7:15 am
 
Forum: Personal Consumer Issues
Topic: Thinning hair/ hair loss products
Replies: 35
Views: 2021
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