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Re: Knowledge gaps + anxiety = shame; gender and investing

Is it fair to say that some folks are less assertive in decision making? That is not quite the same as saying that some folks are more confident in decision making. One can be confident that the decision is the correct one, but still not carry it out. Why is that? Apathy and laziness, which are pre...
by G12
Mon Jul 14, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 75
Views: 5057

Re: Urban garden bed--ideas to deter dog owners

it seems that the signs have not worked and that even yelling out the window does not work because even so, "It's usually the same person/dog in the same place every day OP, you are in a tough situation with very limited ability to persuade those that choose otherwise. I have three dogs that I...
by G12
Thu Jul 10, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 3868

Re: Boglehead Beer

That's fine, but it tastes nothing like a wheat beer and 100% like an IPA. Love the Sumpin Sumpin, along with Lagunitas Pils, Censored, Hairy Eyeball and Brown Shugga'. Their brewpub in Petaluma is a lot of fun. At a limited cellar event last year a cask of Hairy Eyeball was available which was rid...
by G12
Wed Jul 09, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 46857

Re: Boglehead 4wd Car (for family)?

Audi Q5, VW Touareg and Jeep Grand Cherokee. We are going with the grand cherokee with a Diesel engine. The Jeep Grand Cherokee offered the best value in our opinion. Did you test the TDI versions of the Audi and VW to make the comparison with the Jeep? I test drove a TDI Touareg Lux two weeks ago ...
by G12
Wed May 07, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead 4wd Car (for family)?
Replies: 38
Views: 3239

Re: Regret - Stock % too high in taxable, and too low in Rot

Clearly then, the Roths should hold equities while equities are going up and not-equities when equities are going down. It's pretty simple really. Let me get right on that. :happy Most people likely live in states with state income tax, here it would be 6%. I am agnostic and own equities in taxable...
by G12
Sat May 03, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regret - Stock % too high in taxable, and too low in Roths
Replies: 41
Views: 3079

Re: Seattle and Portland, OR restaurant recommendations

Le Pigeon in Portland is awesome, may have been the best dinner I had in 2013, and is a multiple James Beard award winner. I enjoyed Pok Pok, too.
by G12
Thu May 01, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1292

Re: Let's compare 2013 effective tax rates

On income that is required to be reported to the IRS, ie wages, dividends, interest, cap gains, rents/royalties, partnership distributions, etc, less deductions for retirement plans/IRAs, HSA, Federal deductions/exemptions, foreign tax, and excluding all earnings in tax advantaged retirement account...
by G12
Wed Apr 16, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2773

Re: Why Americans are Retiring Overseas

BTW, "Southwest" US definitely worthy of consideration - Santa Fe, Albuquerque, etc. Visited many times and had good times, NM would be on the "potential" list, it may be a place where I enjoy visiting more than living. Would still have some concerns longer term regarding water ...
by G12
Tue Apr 08, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11206

Re: Why Americans are Retiring Overseas

Yeah, you would pretty much have to hold me at gunpoint to make me retire in those places. On the other hand, Thailand is quite nice and I wouldn't need much push. It's not that cheap, though. My dad lives in a town of ~ 28k on the MS river, it is fairly well known and even attracts international t...
by G12
Tue Apr 08, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11206

Re: Why Americans are Retiring Overseas

Puff piece or not, it is intriguing - for those thinking of Florida, Arizona, Palm Springs etc. it just might be worth considering Costa Rica or Panama or other destinations (written by a guy who just bought in Florida 8-) There is a middle tier that I would consider well before another country: [*...
by G12
Tue Apr 08, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11206

Re: Mr. Money Mustache: Hero or Foolish?

For me money is primarily a moral problem. Once I grasped that Mr. MM could not really help me with the main thing I needed to solve, I released him so to speak as my "potential guru" and was free to visit his site occasionally to see what he was up to next and pick up great tips on which...
by G12
Tue Apr 08, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 33668

Re: How Many Properties Do You Own?

Primary, one SFR rental, 3 commercial properties.
by G12
Fri Apr 04, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: How Many Properties Do You Own?
Replies: 19
Views: 2251

Re: Renal Property Math - Make Sense?

You don't want to be far away getting calls that something is going wrong. Enjoy your overseas adventure....you may stay longer than you plan and when you return you may wish to try another adventure in another place. Why tie yourself down to a chunk of property. And as a guy who has had 5 rentals,...
by G12
Tue Apr 01, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renal Property Math - Make Sense?
Replies: 21
Views: 2103

Re: Boxed Wines

I am far from being a wine snob or connoisseur….would love first hand recommendations of any that really may approximate an average bottled wine? I have never had boxed whites before. I met a friend down on St. George Island in February and he brought Black Box Cab Sauv and it was awful. I had brou...
by G12
Mon Mar 31, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Boxed Wines
Replies: 29
Views: 2135

Re: Mr. Money Mustache: Hero or Foolish?

IN some respects, MMM is a little like Clark Howard with attitude. I have no cause to throw stones at MMM, guy is living how he wants, is financially independent and uses his brain to stay that way, what's not to like? My wife knows I am "retired", but I don't go around telling people that...
by G12
Mon Mar 31, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 33668

Re: Detached Townhome vs. Single Family Home Costs

HOA management varies in quality, ability, and fiduciary capacity. I had good fortune owning in a condo complex and never had an assessment of any form. Others I know have had major assessments for roof/siding/retaining wall replacements, theft of funds from the HOA, board members steering work to c...
by G12
Fri Mar 21, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Detached Townhome vs. Single Family Home Costs
Replies: 24
Views: 2596

Re: How much do you make a year in Dividends?

I'm only in my late 20s, so a long way away from retirement. I also make good income (175k-185k depending on bonus amount and share price of RSU) I would just like to increase my yearly income streams and thought dividends would be good addition to what I am already investing. Apparently I don't un...
by G12
Tue Mar 18, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 6316

Re: How much do you make a year in Dividends?

> $52k, about half of which is generated in tax advantaged accounts, + net rental from residential & commercial properties, + EE & I bonds, before long it looks like income from a well paying job. I have a well diversified equity portfolio which contains some consistent dividend growth holdi...
by G12
Tue Mar 18, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 6316

Re: What "annual" retirement income are you hoping to achiev

It is interesting that currently 47% of bogleheads are aiming for 100k or more. And yet, it is my sense that most of us feel like we can live comfortably on 70k or even less. Well, I put $100k knowing what our portfolio, private holdings, pension, SS, etc should exceed that, but would hope to keep ...
by G12
Mon Mar 17, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What "annual" retirement income are you hoping to achieve?
Replies: 70
Views: 4392

Re: "Getting Real About Retirement"

If you are spending that much time doing calculations about whether you will have enough money to retire then you should keep working. Best thing about retirement is when you don't have to worry about how much you spend. I spend my time figuring out how to reduce my taxes. I'm not faulting anyone f...
by G12
Sun Mar 16, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3253

Re: "Getting Real About Retirement"

I'm not an engineer but was a finance professional. Posters should come back in 10-15 years and report how accurately their spreadsheets/estimates/data/results reflected real life experience. :happy I recently spent 12 hours running my dogs in trial competition and was very happy with the results th...
by G12
Sun Mar 16, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3253

Re: Best funds in my 401k for "dry powder"?

3. Short-Duration Bond Fund, 50% PTLDX (PIMCO Low Duration Inst) & 50% GSTGX (Goldman Sachs Short Duration Govt Inst), ER 0.50% Has actually performed well vs the short term bond fund universe over short and 10+ year periods. I do not know the future. Go to Morningstar and check it out. If I ab...
by G12
Thu Mar 06, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best funds in my 401k for "dry powder"?
Replies: 12
Views: 1091

Re: Confusion about reinvesting dividends in taxable

I use specific ID and do not reinvest in taxable. I also tend to use ETFs and buy in round lots to keep things "cleaner". I also tend to make larger investments instead of dealing with a lot of small tax lots. The dividends swept to money market can be used to fund/exchange into IRAs, vaca...
by G12
Thu Mar 06, 2014 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confusion about reinvesting dividends in taxable
Replies: 37
Views: 2394

Re: Mouse/Rat traps

I have used the JAWZ traps, they work pretty well. There is also a version that incorporates a heavy old school metal spring with a lighter trigger. I don't recall the name, but fingers beware b/c that thing goes off hot and hard. If you are dealing with a crawl space the electronic sonic device may...
by G12
Thu Mar 06, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 2042

Re: How Many Funds Do You Have in Taxable?

We have 14, 13 are ETFs, the one fund is VTIAX. 13 are at VBS, 1 is at Wells, they are all equity holdings in his & her taxable + 2 joint accounts. That excludes sweep money market accounts. A few are replicated in Roth/TIRA accounts. I don't find it complex nor difficult to manage, + the joint ...
by G12
Thu Mar 06, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 5463

Re: need help with shades/blinds

so that exactly it, i have some irregulary shaped high windows. some are triangles some are rhombuses. so how do you open and close the shutters on those high windows. and how do you fit the irregular shapes? We have some high, tall windows with triangular and odd quadrilateral pieces and got Hunte...
by G12
Sun Mar 02, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 687

Re: Filling in a backyard pool/input wanted on cost-benefit

Sorry for your loss. I bought a piece of property that was a double lot, ie house on one lot, a full size pool on the other that was roughly 10 feet deep at the deepest point. Split the lots and put the one with the pool up for sale. After 11 months I had zero offers, so I had the pool apron broken ...
by G12
Wed Feb 26, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filling in a backyard pool/input wanted on cost-benefit
Replies: 22
Views: 1746

Re: Honda CR-V vs Subaru Forester

While at the Drs office this week I happened to flip through a recent copy of Motor Trend's 2014 SUV pick of the year, which was the Forester, see link. The Acura MDX would have won if it had a decent electronic dash UI but on a cost basis the Forester looks like a good deal. http://www.motortrend.c...
by G12
Fri Feb 21, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 5054

Re: Nice couches are pricey, where I can get them for less?

We replaced a long slip covered sofa that was worn out with a leather Turner grand sofa from Pottery Barn about 8-months ago and the delivery guys were barely able to get it into the TV room. The Doberman and AmStaff mix have yet to make a scratch or puncture the leather. Wait for a sale. This was a...
by G12
Mon Feb 17, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3871

Re: Possible Involuntary Retirement

though I will get taxed on interest and Dividends earned annually in the taxable account It is likely you will be in the 0% dividend bracket. Given that you find an area outside the US that you enjoy and it is low cost living and has comparatively cheap health insurance with access to quality care ...
by G12
Sun Feb 16, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible Involuntary Retirement
Replies: 14
Views: 1788

Re: Thoughts on Pet Insurance- Dog??

From experience as a commercial lender when I worked for a living I had the opportunity to evaluate a credit facility for a company that owned a subsidiary which offered pet insurance as a business line. The margins were incredible. It's a numbers game, if major health events happen to your dog earl...
by G12
Sat Feb 01, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on Pet Insurance- Dog??
Replies: 18
Views: 1440

Re: 25% Amica Homeowners Premium Increase

The independent agent I use had said most of the renewals in his book of business were increasing 7-12%, my renewal increase with Encompass was less than 3% in December and that is with 2 big lap dogs that some believe are aggressive breeds.
by G12
Sat Feb 01, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25% Amica Homeowners Premium Increase
Replies: 28
Views: 3639

Re: Doom and Gloom

Rejoice, federal tax rates are very low for the vast majority of tax payers. Just think in 1981 the highest federal marginal tax rate was 70% and we aren't currently dealing with high inflation, boy do I recall my dad grousing about the escalating costs of Cadillacs and such. Things look pretty good...
by G12
Tue Jan 14, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Doom and Gloom
Replies: 41
Views: 3497

Re: Europe solo at 50?

Walking with another person is easier, because there is someone to watch backpacks while the other one uses a lady's room or asks for directions. And that's why I chose El Camino for the first solo trip. On El Camino there is no need to ask for directions and I am certain to meet many people. After...
by G12
Wed Jan 08, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Europe solo at 50?
Replies: 59
Views: 3840

Re: Official 2014 IRA is DONE sign-up

At the current rate we should be done both before she applies for SS benefits as well as her being required to take RMDs...all the while keeping the amount converted from bumping us up into the next marginal tax bracket. :beer Coco gives 4-paws of approval to this methodology. :beer With 50+ catch ...
by G12
Wed Jan 01, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Official 2014 IRA is done. Sign-up
Replies: 47
Views: 2764

Re: How much was your total 2013 credit card rewards

$1,878 combo of Chase, Amex, CapOne and Discover cards. Wife signed up for two new cards this week which will result in 85,000 travel points, then I think we are done with this CC thing. Too much juggling and monitoring required for my taste as had fraudulent charges I found on two of the cards with...
by G12
Tue Dec 31, 2013 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your total 2013 credit card rewards
Replies: 51
Views: 4177

Re: Adopting a rescue greyhound

Despite their racing origin, most of the ones I encountered are couch potatoes that like to hang around on couches. That has been my experience around them. They are nothing like, say, a Rhodesian Ridgeback that requires a ton of extended exercise, rather they like short bursts of fast exercise and...
by G12
Mon Dec 30, 2013 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Adopting a rescue greyhound
Replies: 17
Views: 1021

Re: What are your financial goals for 2014?

1) Avoid all large discretionary housing related upgrades/replacements as 2012/2013 was out of hand. 2) Ask (notice I write "ask" here, not tell) to review all of her high cost discretionary purchases in 2013 and try to reduce them 50%. Then she will say I have no idea how much I spent and...
by G12
Fri Dec 27, 2013 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals for 2014?
Replies: 56
Views: 4365

Re: Something I don't understand about music

Tim Buckley was a wonderful talent who burned out way too early. I suppose drowning in the Mississippi would do that to a fellow. :| Back to Dylan. My favorite song of his is "Don't Think Twice, It's Alright". My favorite acoustic version is Johnny Cash's from way back when, but overall I...
by G12
Thu Dec 26, 2013 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Something I don't understand about music
Replies: 108
Views: 6398

Re: turkey was juiceless

I +1M on the brining, but if doing so one really needs to read the turkey label to be aware for potential salt content already in the turkey and adjust the brine accordingly. Butterball Fresh has a 5% water injection in the bird, but not salt/hydrolyzed solution, etc. I had really good results buyin...
by G12
Thu Dec 26, 2013 5:49 pm
 
Forum: Personal Consumer Issues
Topic: turkey was juiceless
Replies: 28
Views: 2163

Re: How many folks have a dog?

You're the second or third person that suggested that she might have Staffie mixed in with her Boxer bloodlines. It's her markings, ears, size and snout. We had ours DNA tested due to how many people would come up and after meeting her ask what breed she was. I think the test result on her was fair...
by G12
Thu Dec 26, 2013 5:35 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 7201

Re: How many folks have a dog?

We rescued this sweet little gal in late October after having to say goodbye to our Weimaraner in July...she's just a tad over a year old and about 50 lbs. A lot of work and commitment involved but it's the difference between a house and a home. My wife wouldn't rest until we found her and brought ...
by G12
Thu Dec 26, 2013 3:38 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 7201

Re: Life after Windows XP?

The prices at the linked Lenovo outlet look good. My experience with a Lenovo Ideapad 560Y purchased 11/2011 with Win7 Home Premium x64 bit system has been: Comes with a lot of Lenovo bloatware that can be deleted Came with an i-5 M 460 2.53GHz processor and 5400 rpm 390 GB hard drive, 4 GBs of RAM ...
by G12
Thu Dec 19, 2013 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 119
Views: 7529

Re: Wife upset - loss of principal in Bonds

And did your "available info" tell you to get back into REITs in early March 2009, and enjoy the >200% return since then? Even better return if you rebalanced in and out during some of the intervening relatively large ups and downs? I didn't get out, but did build my holding throughout 20...
by G12
Sat Dec 07, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife upset - loss of principal in Bonds
Replies: 60
Views: 7081

Re: What do early retirees actually do in Florida?

Thanks. I am particularly interested in Florida because of the absence of the state income tax, East Coast location, and retirement-friendliness. Of course, retirement-friendliness cuts both ways; retirement is both an abundance of time and opportunities and a count-down to slowing down, disability...
by G12
Fri Dec 06, 2013 9:02 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13983

Re: Wife upset - loss of principal in Bonds

Or you could have invested it into REITs in 2007-2009 and lost $16K of it. Or, if he was invested in REITs before the massive decline he could have listened to some of us who were adamant about divesting the asset class based upon available info. :beer :greedy It still seems to have worked out for ...
by G12
Fri Dec 06, 2013 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wife upset - loss of principal in Bonds
Replies: 60
Views: 7081

Re: Poor PenFed Reviews

Like others have posted, I had great service on a car loan obtained over the phone and have had no issues with CDs. The mortgage was a different story, but still not horrible regarding anything of substance such as changing the terms and conditions of the loan, etc, but PenFed got the first closing ...
by G12
Fri Dec 06, 2013 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 7709

Re: What do early retirees actually do in Florida?

Sound finances probably produce sound taxable income, and 5% of sound income is sound money. No? Victoria Being that I grind my teeth over 6% state of GA income tax I would say your take is correct, especially if it is an almost virtual flat tax on income. Now if someone was 62 or older they would ...
by G12
Fri Dec 06, 2013 5:11 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13983

Re: Wine for daily consumption?

Of the box wines, Black Box is my favorite. Kroger has/had it on sale for $17.99, which is like 2007 pricing. The 2012 Malbec is good.
by G12
Thu Dec 05, 2013 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5473

Re: Advice on PIMCO Total Return

I have an IRA with about 1.25 million and am making the transition from a (badly) managed portfolio of mostly junk bonds to a more stable bond portfolio. My Schwab broker advised that I consider using PIMCO Total return Managed Account, which allows me to own a set of bonds directly. The fee slides...
by G12
Mon Nov 25, 2013 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on PIMCO Total Return
Replies: 18
Views: 1718
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