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Re: Pets and extended travel

Would it be one uninterrupted trip or broken down into a few weeks at a time? We have 3 dogs we spend a lot of time with, I couldn't do it, nor could a I bring one average size and 2 moderately large dogs around traveling/driving for a few weeks at a time as it would drive me crazy!!! 4-5 day trips ...
by G12
Wed Oct 29, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Pets and extended travel
Replies: 13
Views: 985

Re: Advice needed for next 10 years: Save, spend borrow?

I am assuming you are still married with the double Roth contributions. My wife and I are in a similar situation as far as tapping savings to fully fund retirement accounts and an HSA although half of our accounts are in taxable. One thing to keep in mind is all contributions to the Roth accounts ca...
by G12
Mon Oct 20, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice needed for next 10 years: Save, spend borrow?
Replies: 26
Views: 3353

Re: Smartphone questions

I have S3 and like it a lot. I believe the screen color & rendition, size, speed, camera, LTE, microsd slot, removable battery work for me. Anything more would be good but overkill for my needs. Where can I find a S3 for $120? Could you please suggest some sites? Thanks! It would be nice to hav...
by G12
Fri Oct 17, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6747

Re: Livesoft - Thank you

livesoft wrote:I really appreciate the thanks, but let's get back to whatever we were doing before this thread showed up. :)


I will return to estimating/minimizing YE 2014 tax impact.....legally, of course. Estimating YE partnership distributions is a PITA.
by G12
Fri Oct 17, 2014 2:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4115

Re: Smartphone questions

Samsung S4/S5 vs. Samsung Note3/4 vs. Apple iphones vs. Motos vs. anything else? Which smartphone(s) do Bogleheads generally prefer? Does it trend any which way? Does it matter? I think it depends on user preference. I like Android, my wife loves Apple. I recently upgraded from an S3 to an S5, move...
by G12
Fri Oct 17, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6747

Re: Roll Call for the Retirement Class of 2014!

I have been retired for just over three weeks. Congrats. Upgraded from a Galaxy S3 to an S5 about a month ago. Largely similar, yet distinctively different and better. Baby steps, it gets done. If one spouse is retired and the other continues to work is this person truly "retired"? She wi...
by G12
Fri Oct 17, 2014 2:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 228
Views: 21605

Re: Livesoft - Thank you

livesoft is my favorite poster, he and I are much more similar than dissimilar in investing outlook and mantra. I would have more than one :beer with him. I do appreciate some sarcasm applied with advice, too, so sscritic rates highly with me as well. :moneybag
by G12
Fri Oct 17, 2014 2:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4115

Re: 30-yr fixed or 7-year ARM

Case for ARM: Being a small condo, there is a good chance I will be ready for a larger place in 5-7 years. I would save about $100/mo with this option. Even if I decide to keep the condo and be a landlord, after 7 years, if I applied my 100/savings to my load, I would have only $84K left. Even if r...
by G12
Fri Oct 17, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30-yr fixed or 7-year ARM
Replies: 5
Views: 407

Re: Relatively new here. What did you do in 2008/09

A lot of posters had the trueism of "Investors feel the pain of large losses much more so than happiness from large gains" banged into their memory banks. I sold all of the REITs I had in 2007 after a lengthy holding period, then further reduced my equity holdings to 60% in January, 2008, ...
by G12
Fri Oct 17, 2014 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 7035

Re: Yet Another Pension Buyout Scenario

Sounds like you guys did your homework and I hope your son has success and enjoys his profession. I can't tell you what to do with your pension, much of it is personalized to your unique situation. I had a cash balance pension option years ago that I rolled to an IRA which has generated good returns...
by G12
Thu Oct 02, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 2615

Re: Yet Another Pension Buyout Scenario

I've been solely responsible for all my kids' expenses since the divorce. The kids are 19 and 13, so the older will be out on his own when he completes his culinary program , the the younger will remain at least another 5 years (till college age). Once they're off, my financial circumstances will i...
by G12
Thu Oct 02, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 2615

Re: Do you deviate from the BH philosophy?

I have 3 dogs which could be classified aggressive breeds by those promoting misguided breed specific legislation (BSL). Bogleheads might say no thanks or one is enough. I also own some actively managed funds, individual securities, investment real estate, small business interests, etc. I work at mi...
by G12
Wed Oct 01, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3851

Re: Had a bad experience with Amica

This is not an example of bad experience with Amica. Your friend was never a client of Amica. It is like saying someone had bad experience with Mensa because he was not admitted to Mensa. He simply did not make the cut. I agree with this. I spoke with an Amica rep yesterday to obtain quotes after r...
by G12
Wed Oct 01, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2037

Re: Is my husband a spendthrift? Or I a tightwad?

As I skimmed this thread the idea that kept coming back was the principle of "pay yourself first." That means take out what you need to save and then stay under what is left when you spend. I found the same in EmergDoc's post, which captures everything that really matters here. I have to ...
by G12
Wed Oct 01, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15844

Re: Hard Money Lending, flipping houses 12% return Lets hear

I understand the risk of possibly getting stuck with the property but i am more concerned in loosing the whole $210k if something goes south here. I did this in early 2010 with an acquaintance, not a friend, who was a contractor and also did flipping. Fortunately, I put the property in my name, pai...
by G12
Wed Oct 01, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3098

Re: Acura RDX - test drove it again and it's about off my li

Been looking at 5 passenger upscale SUVs for awhile and have looked at the RDX a couple of times before. If you are going "upscale" and one would think money is not a huge obstacle why not the MDX, it is a much superior vehicle? I would take a gently used MDX over the RDX if trying to kee...
by G12
Fri Sep 19, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5525

Re: Retiree Next Door

livesoft wrote:
caroljm36 wrote:As I said elsewhere, the new three-legged stool of retirement is social security, 401k/IRA and a paid off house. :sharebeer

Ha! I thought that all one needed for retirement was a working younger spouse.


Ding, ding, especially with low cost spouse + 1 or family health insurance. :wink:
by G12
Thu Sep 18, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4479

Re: Jason's Zweig's new dictionary ---enjoy

Risk Premium? volatility? Load? There was this term that popped up in 3rd or 4thQ of 2008. Mmm, now what was that called, when people had grossly overestimated their true risk tolerance and found themselves down a lot of money and should make a significant shift in asset allocation after the fact? ...
by G12
Thu Sep 18, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 28
Views: 2752

Re: Any success stories of ppl who never made >$50,000?

This forum can be extremely hostile to those who don't roll out of school with computer science or medical degrees. Not everyone makes $100k at their first job, and not making enough to max your 401k doesn't mean you lack intelligence. There are a ton of highly educated careers that add value to so...
by G12
Tue Sep 16, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10218

Re: Why COULDN'T we just retire on Social Security?

In addition to regular expenses such as taxes Let's not forget the transfer payments to billionaire owners of sports franchises foisted upon property owners due to overzealous county commissioners to build $600M and up sports complexes for professional sports teams in which the county is paid a pit...
by G12
Fri Sep 12, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6064

Re: Fantasy football debt owed

It is a game of skill, not a game of chance, so its not gambling. From experience with fantasy baseball, there is skill involved, but outcomes can be greatly affected by luck or good/bad fortune determining long term injuries/disabled list to upper tier players on a roster, especially after 8 weeks...
by G12
Tue Sep 02, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 2037

Re: Winery to visit in North Willamette (OR)/McMinnville are

I have visited Sokol Blosser and enjoyed it. Sokol Blosser produces some excellent wine. The tasting room and other visitor areas were greatly upgraded last year, would definitely recommend visiting there. Re-visited last September, I didn't recall the traffic being so bad in Dundee area last time ...
by G12
Thu Aug 14, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 20
Views: 1986

Re: That sudden moment when Money is not a Problem.........

His priorities have been completely re-arranged, as they should be. Just something to think about as we will all be in a similar situation someday (Even though, most folks I know are in denial). Sorry to hear about your friend's diagnosis, I can empathize after being diagnosed 2+ years ago with a s...
by G12
Thu Aug 07, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6833

Re: Do any boggleheads invest in individual companies?

Does anybody hold individual companies, as a portion of your portfolio? Anybody with a riskier 80/20 Stocks to bonds?? I own 16 individual stocks, plus numerous ETFs/funds. It definitely takes more oversight. All the public equity holdings represent roughly 45% of my investment portfolio, then anot...
by G12
Mon Jul 28, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5999

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: 77
Views: 5898

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: 4278

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: 48859

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: 3542

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: 3128

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: 1381

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: 2885

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: 12729

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: 12729

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: 12729

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: 36407

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: 2280

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: 2152

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: 2258

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: 36407

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: 2797

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: 6532

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: 6532

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: 4502

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: 3287

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: 3287

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: 1141

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: 2487

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: 2122

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: 5525

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: 720
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