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Re: Keurig-cup coffee makers - why?

I tend to drink more coffee & chicory than other coffee, so the K-cups are way too weak no matter the coffee. 2.5 cups of filtered water, 3 minutes in the microwave, add 3-scoops of C & C, stir and let sit for 3 minutes, use pour-over filter placed on large mug and let filter/drain, boom - g...
by G12
Thu Jan 22, 2015 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 67
Views: 4747

Re: Buying Energy Select Sector SPDR ETF (XLE)??

I don't know. I look at all the shares I own of VDE, the Vanguard equivalent, @ $62.96 and tell myself I was dumb for not selling when it was > $145.
by G12
Tue Jan 13, 2015 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Energy Select Sector SPDR ETF (XLE)??
Replies: 4
Views: 386

Re: Is a Sub-4% SWR a Boglehead Quirk?

Is a Sub-4% SWR a Boglehead Quirk? It may be safe to say that a considerable segment on here are anal retentive and possibly not very adaptive, but one can only plan and control so much. The withdrawal ranges presented may prove reasonable, they may not be. If a 3.5% withdrawal rate for a 35-40 yea...
by G12
Mon Jan 12, 2015 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10660

Re: Vanguard's best fund: Healthcare?

14 years and counting in a RO IRA.
by G12
Sun Jan 04, 2015 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7024

Re: Help with spouse and finances (read: lots of debt)

Good for you, OP. When someone won't even make minor changes to correct juvenile, and what could be dangerous, behavior like continuing to rack up speeding tickets it makes one realize there are deeper rooted problems. Unlike you, I have a younger sister with 2 children and her husband has devolved ...
by G12
Fri Jan 02, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with spouse and finances (read: lots of debt)
Replies: 108
Views: 15662

Re: Best albums from 2014?

My top 10, in no particular order. I am basing this on how much I listened to the albums. 4. Justin Townes Earle: Single Mothers - Mellow rock with a touch of country I am always looking for good music. Post your favorites from 2014! I really like JTE, have seen him live 6x, I think he really is mo...
by G12
Wed Dec 31, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 61
Views: 5241

Re: What do you drive, and why?

I got a 2014 Ford Flex SEL a few months ago after driving a 2002 Nissan Pathfinder for 12+ years. Added a third dog and the interior of the Pathfinder just wasn't big enough for taking long trips to trials, plus the seats in the Flex are much more comfortable and better safety features. Although it'...
by G12
Wed Dec 31, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17094

Re: Oregon wine tour

The Dundee area is nice, short drive south of Portland. Sokol Blosser Goosepen block is excellent Pinot Noir, the tasting rooms are very nice. There are two other wineries around there with very nice outdoor spaces. Duck Pond is more value oriented and offers some Washington wines from a sister vine...
by G12
Sun Dec 14, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Oregon wine tour
Replies: 5
Views: 649

Re: Need Income - Wellesley Income or Wellington Fund

It would be advantageous to you to run trial tax returns for what your early retirement scenario would look like and determine how much qualified dividends you can receive to keep your tax costs low. Look up the W/W annual distributions from recent years, determine how much was tax friendly, ie QDI,...
by G12
Wed Nov 19, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 22
Views: 3104

Re: Need Income - Wellesley Income or Wellington Fund

I will only be taking the quarterly distribution from the funds, whatever it may be and will not be touching the original investment. So given this, should Wellesley's distribution be higher if rates were higher? If you are invested in Wellesley when a rate increase occurs, the yield of the fund wi...
by G12
Wed Nov 19, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 22
Views: 3104

Re: Need Income - Wellesley Income or Wellington Fund

I think I phrased my previous question incorrectly....but I think I understand now. These funds (W/W) produce yield income, which is bond income and dividend income, which is stock income. In a rising interest rate environment the bond yield should increase and the dividend income should remain con...
by G12
Wed Nov 19, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 22
Views: 3104

Re: Vacation in France

We are still debating over rental car, especially outside of Paris. I feel we should, but my girlfriend thinks it will a hassle and public transport in France being so great, we can just use that. You should definitely go, traveling in Europe brings back great memories for my wife and me. Regarding...
by G12
Wed Nov 19, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 96
Views: 11113

Re: Is my Tommy Lee Jones Approved Portfolio a disaster?

Gentlemen and women, thank you for the important work you do. I have recently exited a job that kept me very busy for the last 30 years. I'm making much less these days and I have much more time to look into other matters; that combined with my CPA and another family member both in my ear over the ...
by G12
Mon Nov 17, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my Tommy Lee Jones approved Portfolio a disaster?
Replies: 17
Views: 3322

Re: State Farm Auto Rate Increase

I just received my renewal for State Farm auto insurance in NJ. A 33.2% rate increase of which 15.3% increase for my car and another 55.6% increase on my wife's. I called and explained no changes took place and why the increase. The answer was my wife turned 65 years old! Is this a normal increase ...
by G12
Tue Nov 11, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: State Farm Auto Rate Increase
Replies: 4
Views: 546

Re: Cash - Throw it on the table!

Roughly $160k, which would be a pretty small % of our portfolio. Part of it is rental RE reserve for repairs, taxes, etc. Part of it is due to maxing retiring accounts/HSA in a one income family and needing additional cash for monthly expenditures. Part of it is an opportunity fund for private secto...
by G12
Wed Nov 05, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3922

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 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Pets and extended travel
Replies: 13
Views: 1251

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 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice needed for next 10 years: Save, spend borrow?
Replies: 27
Views: 4194

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 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10377

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 1:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5919

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 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 10377

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 1:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 273
Views: 27627

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 1:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5919

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 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30-yr fixed or 7-year ARM
Replies: 5
Views: 446

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 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10380

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 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 3181

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 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 3181

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 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 4392

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 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 25
Views: 2162

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 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 17471

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 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3435

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 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5855

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 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4535

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 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 28
Views: 2786

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 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10508

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 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6172

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 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 2148

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 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 20
Views: 2027

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 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6942

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 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 6242

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 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 6545

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 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 4490

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 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 475
Views: 67492

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 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead 4wd Car (for family)?
Replies: 38
Views: 3700

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 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regret - Stock % too high in taxable, and too low in Roths
Replies: 41
Views: 3137

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 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1415

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 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2983

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 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 13066

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 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 13066

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 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 13066

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 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 38795
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