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Re: How old are you?

My plan is to be immortal. So far, it's working.
by NAVigator
Wed Jul 30, 2014 6:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 7885

Re: Goodbye and Good Luck!

Thanks Jason for the participation on the forum making this a place to learn and to contribute. Now, you have achieved a calm and zen-like state regarding finances and can devote your time to family and a new location. Your message provides an inspiration. When reading posts that are redundant or ir...
by NAVigator
Tue Jul 29, 2014 8:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Goodbye and Good Luck!
Replies: 12
Views: 2650

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. But ...
by NAVigator
Mon Jul 14, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: IPS Review/Thoughts?

The post title involves an IPS. The post states the asset allocation. I think it would be helpful to examine the IPS section in the Wiki. The ideas contained there would serve well as a model to involve your goals and methods to reach them with acceptable risk.
by NAVigator
Mon Jul 14, 2014 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: IPS Review/Thoughts?
Replies: 4
Views: 372

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results.
by NAVigator
Mon Jul 14, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7072

Re: Future plan with recent lung cancer diagnosis

In addition to attending to financial and practical things for others, do something for yourself. Appreciate each day. Identify something about today you enjoyed. If you can't think of anything, write something down and soon you will fill a page! Live with gratitude! If you are inclined, keep a &quo...
by NAVigator
Wed Jul 09, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Future plan with recent lung cancer diagnosis
Replies: 25
Views: 3903

Re: The value of a ROTH conversion in retirement

C) Reason NOT to do the ROTH include 5 year waiting period. I thought that if you are over 59.5 years old there is no 5 year waiting period. --vtMaps This article explains the 5 year waiting periods better than I can, so I refer to it often; Understanding The Two 5-Year Rules For Roth IRA Contribut...
by NAVigator
Wed Jul 09, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: The value of a ROTH conversion in retirement
Replies: 21
Views: 2975

Re: List of Worst financial advice (what not to do):

Best financial advice is to not post worst financial advice on your refrigerator. It will only cause you to purchase a larger model.
by NAVigator
Wed Jul 09, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16343

Re: List of Worst financial advice (what not to do):

"Avoid peer pressure by having more than my neighbors do."
by NAVigator
Tue Jul 08, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16343

Re: POLL: How Old is Your Newest Motor Vehicle? -- REVISED

Maybe we should make OPs illegal. To start a new thread, a poster should post just a title with nothing more. :) To avoid controversy, a generic title is best. Something like; "Question?" :wink: The newest of my old vehicles is the same as the oldest of my new vehicles. No need to go into...
by NAVigator
Tue Jul 08, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 3081

Re: POLL: How Old is Your Newest Motor Vehicle? -- REVISED

2000 Boxster 104,000 mi. 1992 318is 140,000 mi. 1988 R100GS 90,000 mi. Which of the three is your newest? If newest means least old, that would be the Boxster. On the other hand, if you bought a used 318is last month, it is your personal newest. True enough since the poll now includes REVISED vehic...
by NAVigator
Mon Jul 07, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle? -- REVISED
Replies: 51
Views: 3081

Re: Animal battle Round 7: Raccoon pooping near house

Because you have raccoons around you don't let your kids play in the back yard? Really?? According to CDC fewer than 25 cases of Baylisascaris disease (transmission of raccoon roundworm to humans) have been documented in the United States... *ever*. However, the OP hasn't told us how many kids he h...
by NAVigator
Mon Jul 07, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 3338

Re: Light Bulb Durability

For incandescent bulbs and some LEDs, I have installed high quality dimmers. Experience has shown that bulbs typically fail when they are turned on. The life of these bulbs is now extended greatly since they are "ramped up" slowly. Note: I use dimmers that increase from an off position rat...
by NAVigator
Sat Jul 05, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4587

Re: US citizens abroad cannot invest through [Fidelity]

But this is really ridiculous. What am I supposed to do with my IRA if I decide to live abroad for a couple of years? Or permanently? I can't believe that all the many US expats don't have 401ks and IRAs. My daughter has a small Roth IRA at Vanguard and has moved to a country in Europe a few years ...
by NAVigator
Sat Jul 05, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: US citizens abroad cannot invest through [Fidelity]
Replies: 97
Views: 8337

Re: How are you doing through the first half of 2014?

Counting market days becomes rather interesting. Sometimes a holiday falls on a weekend. Sometimes when it falls on a weekend, the holiday is observed on another day and the market is closed. Most years have 365 days and often have 52 weekends, but not always. Some years have 366 days, but not every...
by NAVigator
Fri Jul 04, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9844

Re: POLL: Are You Re-Balancing?

GerryL wrote:No. Less than 2% out of whack. We'll see if a rebalance is called for at beginning of next year when I review all of my investments.

Same here. It is still within whack.
by NAVigator
Fri Jul 04, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5051

Re: I Hit My Number Today!

Congratulations! With infinitely many numbers to choose from, I never could make up my mind. I must have hit one sometime that was my number. Perhaps there were a number of them. After reaching a goal like this, it must feel like a holiday and even worthy of celebration and fireworks, depending on y...
by NAVigator
Fri Jul 04, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3321

Re: In retirement you expect you standard of living to?

Professor Emeritus wrote:Nothing makes you "live for the day" like a permanent disability.

That is so true, and it doesn't cost a dime. I highly recommend it; the appreciation not the disability! I've got both.
by NAVigator
Thu Jul 03, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4655

Re: How are you doing through the first half of 2014?

This was the first time in my life where nothing went into my investments and nothing came out in this 6-month interval. Comparing spreadsheets, It is up 5.4% with an actual 62/38 asset allocation. Coasting in retirement and just using my checking account for now.

Jerry
by NAVigator
Wed Jul 02, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9844

Re: Should I go back?

Your former manager increased the salary. This might be a good time to negotiate other benefits. Someone mentioned the possibility of working from home one day per week. That 20% decrease in commute time is significant. You might negotiate a flexible work schedule to avoid rush hour traffic. You mig...
by NAVigator
Tue Jul 01, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I go back?
Replies: 32
Views: 3215

Re: I am thinking of buying Ooma or Magicjack need help deci

I had a problem similar to what Leif experienced. My ISP left it completely up to me to discover this. After numerous calls, they sent out a tech who informed me that it was their problem and that they would install some new equipment soon. After they did, the QoS became acceptable and I finally was...
by NAVigator
Tue Jul 01, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 3419

Re: The Millionaire Next Door: Are You One?

I agree with nchowrin, that another motivation for saving is that life sometimes throws you a curve and sometimes twice! Like him, I was also working as a software engineer at a megacorp and much of my department was laid off when our jobs went to a cheaper labor source in another country. I was 51 ...
by NAVigator
Mon Jun 30, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 23350

Re: The Millionaire Next Door: Are You One?

I don't worry about the net worth of the neighbors. I hope they don't worry either. I suspect they would be surprised. I would be as well, but not as favorably. It seems that the credentials for admission into this two comma club involve the vehicle you drive. Full disclosure: mine is a well maintai...
by NAVigator
Sun Jun 29, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 23350

Re: Who do you talk with about your financial goals?

As I was reading this thread, I wondered if some people "need" an advisor just to have someone they can talk to about this stuff. :shock: I don't really talk to anyone. My best friend probably has some idea. Acquaintances pretty much know how much people spend (at least a ball park) on ho...
by NAVigator
Sun Jun 29, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9248

Re: Who do you talk with about your financial goals?

No one, except occasionally my cat. I just want to reassure him that he won't have to share his daily rations. I skip the details because he has no interest and trusts me to stay the course. For that effort, he is content and sleeps well. So do I.
by NAVigator
Sun Jun 29, 2014 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9248

Re: Kindle - Which one to buy?

Here is one of several review / comparison websites that might help;
Kindle Comparison Table
by NAVigator
Sat Jun 28, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2113

Re: Should I buy a Kindle Fire?

I use my Kindle Fire HD for reading, music, watching Prime movies, TED videos, listening to podcasts, etc. One advantage I enjoy is to kick in the audio option to have the book read aloud to you. There are many apps, often free, and easy to install and use. I stream in radio programs, and various ne...
by NAVigator
Sat Jun 28, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a Kindle Fire?
Replies: 20
Views: 1151

Rachel is everywhere!

I'm sure that everyone in the country has received the annoying call from "Rachel in cardholders services". Does Rachel have nothing better to do? How long can this go on? Aren't there any laws or regulations about this. The "Do Not Call registry" is ineffective. The calling numb...
by NAVigator
Sat Jun 28, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Rachel is everywhere!
Replies: 10
Views: 1384

Re: Being Polite.

Taylor Larimore wrote:Travelforfun:

Perhaps the greatest benefit of being polite is that it makes you feel better knowing you are a good human being.

Best wishes
Taylor

Indeed. Thank you Taylor! :happy
by NAVigator
Sat Jun 28, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6829

Re: New water heater needed - local plumber or Home Depot, L

Thanks for the experiences and reviews of a Whirlpool water heater. Today I called the store and was able to cancel the purchase (refund to the credit card) and the installation. The current unit I have remains lit and the water is hot. I will investigate other manufacturers and models. This was a t...
by NAVigator
Mon Jun 23, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4397

Re: Blog: There's a spreadsheet for that

Nerd nirvana!!! Thanks!

Jerry
by NAVigator
Sun Jun 22, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: There's a spreadsheet for that
Replies: 8
Views: 1163

Re: Silly mistake

Longtimelurker wrote:I don't know how anyone can be an active investor with a new born!

Indeed. With passive investing, you can be active where it matters most. Congratulations on the newborn and getting your priorities right!
by NAVigator
Sun Jun 22, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Silly mistake [Purchased wrong fund by accident]
Replies: 12
Views: 1004

Re: synthetic motor oil?

A comma here, a comma there.... I typically change my vehicles around those values.

Jerry
by NAVigator
Sat Jun 21, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: synthetic motor oil?
Replies: 17
Views: 1230

Re: It is time to retire when you .......

As some have mentioned, it is time to retire when the doctor informs you of a serious medical issue. Suddenly your time horizon and your goals are significantly changed with no warning. Those years of living significantly below your means pay off when disability starts and income stops. After a whil...
by NAVigator
Fri Jun 20, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9882

Re: New water heater needed - local plumber or Home Depot, L

Jeff, thanks for the suggestion about the thermocouple. I thought about it and looked closely, as in close to the floor, to determine if I could replace it. I then checked the records from the previous homeowner and learned that it has been heating water for 31 years! It has done well during its lif...
by NAVigator
Fri Jun 20, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4397

Re: [Poll] Have you taken any Investments course?

I am completely self-taught. I found the instructor to be likeable, friendly, intelligent, but unfortunately incompetent. I tried various approaches found in books by Peter Lynch, Ric Edleman, Wm O'Neil, etc. I attended a meeting at our company at the height of the dot com bubble. I was in funds wit...
by NAVigator
Fri Jun 20, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 3005

Re: New water heater needed - local plumber or Home Depot, L

My gas water heater stopped working. I relit the pilot light after several attempts. It went out by the next morning. I went to Home Depot, but they do not have an installation agreement with a plumber at present. So I drove to Lowe's, and purchased a Whirlpool. I am waiting to hear from the install...
by NAVigator
Fri Jun 20, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4397

Re: is it normal to have more in your taxable accounts

I do not have a 401k available so I do max out my ROTH and SEP and throw everything else in my taxable. Similar situation. I maxed out my 401k contributions for years and put some in a Roth. The rest I put in a taxable account. Now the taxable account is almost 2/3 of my portfolio. Aggressive savin...
by NAVigator
Thu Jun 19, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: is it normal to have more in your taxable accounts
Replies: 25
Views: 1722

Re: Market Timing Predictions Thread

baw703916 wrote:I predict Dow 36,000 will happen in 2020.

I predict 2020 will happen. I can see it clearly.
by NAVigator
Thu Jun 19, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing Predictions Thread
Replies: 30
Views: 1923

Re: "Vanguard Retirement Nest Egg Calculator"

That was very interesting. I am going to show my children.

Thank you Taylor!
by NAVigator
Wed Jun 18, 2014 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Retirement Nest Egg Calculator"
Replies: 13
Views: 2610

Re: Personal Life subforum?

Perhaps if the personal forum were separate and ultra-secure, it might work. This could involve two-factor authentication, retinal scan, a key-fob dongle thingie, voice recognition, chip and pin, capcha gotcha, encryption, deception, with anonymity twice-removed, and using the secret decoder cards a...
by NAVigator
Wed Jun 18, 2014 9:16 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5125

Re: Poll: Do you receive compensation for financial advice?

I checked "other". I am not a financial professional and receive no compensation for giving any financial advice. But I do advise relatives about investing and financial matters. You could say I have a paltry $55 million under management. You either have a lot of relatives or a very rich ...
by NAVigator
Tue Jun 17, 2014 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you receive compensation for financial advice?
Replies: 29
Views: 2163

Re: Personal Life subforum?

We have a quasi-personal forum now. In my opinion, sharing recipes and where you buy shoe laces is of little value, and detracts from the purpose of this forum. There are plenty of blogs and other venues for DIY projects, exercising, cooking, hygiene, etc. The Bogleheads have established a solid rep...
by NAVigator
Tue Jun 17, 2014 3:18 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5125

Re: Like Bogleheads, for Life ??

DualIncomeNoDebt wrote:http://lifehacker.com/

I agree that this is a helpful site. I would like to add http://www.thesimpledollar.com
by NAVigator
Tue Jun 17, 2014 6:40 am
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4527

Re: Edward Jones came to my door

I had an EJ person stop at my house about a month ago. I tole her what my portfolio average expense ratio is with Vanguard and there are no loads. I explained further that investing directly without a broker was very beneficial and I retired comfortably. She left, looking for the next victim. Jerry
by NAVigator
Wed Jun 11, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Edward Jones came to my door
Replies: 44
Views: 2845

Re: Another two-comma club member

Congrats! Thank you for writing such an insightful post about putting wealth into a proper perspective.

Jerry
by NAVigator
Mon Jun 09, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another two-comma club member
Replies: 30
Views: 3385

Re: [Poll] How do you rebalance?

When you say bands of 10% or more are you talking about absolute or relative? And more importantly, OP, what did you mean? In the OP, I stated; "Band rebalancing" refers to a tolerance band — when the allocation to a certain asset class strays more than some percentage from the target. It...
by NAVigator
Mon Jun 09, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1734

Re: [Poll] How do you rebalance?

I rebalance once a year, whenever I fill my Roth IRA. "Band rebalancing" refers to a tolerance band — when the allocation to a certain asset class strays more than some percentage from the target. For those who voted " use bands: range 5% and < 7.5% ", how do you apply these per...
by NAVigator
Mon Jun 09, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1734

[Poll] How do you rebalance?

What method do you use to keep your portfolio consistent with your desired asset allocation?

"Band rebalancing" refers to a tolerance band — when the allocation to a certain asset class strays more than some percentage from the target.

Jerry
by NAVigator
Mon Jun 09, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: [Poll] How do you rebalance?
Replies: 30
Views: 1734
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