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Re: Suspicious House Odor

We had something similar, but it occurred while a bathroom renovation was underway. Turned out it was mold growing under poorly laid tile/drain area. The whole thing needed to come up and be redone. We didn't know it was a mold odor but after the tile was ripped out we saw the mold. The area was cle...
by Offshore
Mon Dec 08, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Suspicious House Odor
Replies: 21
Views: 2468

Re: Reverse Mortgages

Thank you. Quite helpful.
by Offshore
Sat Dec 06, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgages
Replies: 7
Views: 559

Reverse Mortgages

Today's WSJ raised a question I need help with. When a house on a reverse mortgage program is sold, after the last mortgage holder dies, and the estate does not want to keep the house, what happens if the amount the house is ultimately sold for does not cover the reverse mortgage loan? Is the estate...
by Offshore
Sat Dec 06, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgages
Replies: 7
Views: 559

Re: Why So Many Used Prius for Sale?

A bit off topic, but not by much. In 2008 I bought a new Prius, touring edition. It is pimped out with all the options and I paid about $25k. Literally, over 6.5 years the only expense has been gas, oil and one set of tires. The cost of ownership has been negligible. I am a physician, and take some ...
by Offshore
Sat Dec 06, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 6843

Re: Legal Protections Question (Rental Property)

We have a rental property and consulted our family atty. on this very matter. It was not expensive to form an LLC and did so. What is the downside of putting your property in an LLC? As far as I can determine, it is a cost issue, solely. We feel better protected, but who knows. Do you know of other ...
by Offshore
Fri Dec 05, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Legal Protections Question (Rental Property)
Replies: 29
Views: 1855

Re: Most Hated Brokerage Firm? [or one that you love]

SMITH BARNEY! Both my wife and I received checks last week. Seems long ago (decades), the above crooks overcharged on advisory fees and the NY state atty. general has successfully sued them to pay back the unfortunate suckers (me and my wife included). The checks were a double problem because they w...
by Offshore
Fri Dec 05, 2014 7:57 am
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 11027

Re: Merc or BMW?

randomguy: what is CCA? Obviously, I'm not a member of this, but curious as to what it is. As sexy as these german cars are, I have had consistant reliability with Japanese cars. The Acura RL (now RLX) is panned by Consumer Reports. Too bad. They go so far to say as "not recommended". Do p...
by Offshore
Fri Nov 07, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 7165

Merc or BMW?

BMW 328d xdrive is Consumer Reports highest rated luxury compact. The 2015 Merc C class is attractive also. It has more std. safety features than 3 series BMW. Similarly priced. Question is, if both taken care of, and driven conservatively, which will be more reliable (fewest repair issues) over a 1...
by Offshore
Thu Nov 06, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 7165

Re: where to place dividends in taxable acct.?

Livesoft, you posted your reply while I was typing, thus didn't see it.
So, do you do a continuous rebalance throughout the year, as you have dividends paid out that are not needed for expenses?
by Offshore
Sat Nov 01, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to place dividends in taxable acct.?
Replies: 9
Views: 832

Re: where to place dividends in taxable acct.?

Thanks for the responses.
Based upon your replies, it seems that there is no absolute correct method here.
I would guess that as long as one method is adhered to consistently, the outcome will be very similar in the long term.
by Offshore
Sat Nov 01, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to place dividends in taxable acct.?
Replies: 9
Views: 832

where to place dividends in taxable acct.?

Our retirement savings is mostly taxable. The stock side of the portfolio is composed of 5 mutual funds that direct dividends back to the fund , and 2 ETF's that redirect dividends to a money market account. The 2 ETF's are VEU and VSS, both with negative YTD returns. This year, had dividends been u...
by Offshore
Sat Nov 01, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to place dividends in taxable acct.?
Replies: 9
Views: 832

Re: What Movie Have You Recently Watched?

"All is lost". Robert Redford. I can not recommend it.
by Offshore
Sat Oct 04, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 262
Views: 28728

Re: Should anyone invest in short-term bonds at this point?

cfs
thank you for the link to Rick's article. Worth the read.

Offshore
by Offshore
Tue Sep 09, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Should anyone invest in short-term bonds at this point?
Replies: 46
Views: 4023

Re: Career advice for retiring doc

Google "Volunteers in Medicine". Seems right up your alley.
by Offshore
Mon Aug 04, 2014 7:24 am
 
Forum: Personal Consumer Issues
Topic: Career advice for retiring doc
Replies: 16
Views: 2277

Re: New HVAC system

Two thumbs up for Lennox. We have a unit with a DC motor that runs continuously to maintain constant temp. throughout. Perhaps, more important for layout other than ranch. Still, may be a good thing to consider. I have no comment on tonnage.
by Offshore
Tue Jul 29, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2720

Re: How many Bogleheads golf?

Love it! Not a great player. Currently at 14 handicap index. Play >25 rounds per year.
by Offshore
Mon Jun 30, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4709

Re: New car for improved safety

I currently drive a 2002 Mazda Protege. It has 90k miles and runs fine, so I have no desire to replace it, unless a new car would be significantly safer. Would you upgrade to a new car strictly for improved safety? What are considered the safest vehicles? I know Volvo has a long reputation for safe...
by Offshore
Tue Jun 03, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: New car for improved safety
Replies: 33
Views: 2825

Re: what has biggest influence on your stock/bond ratio

I suspect most would choose "age" if it were on there :) Age is part of ability to take risk. If you are ten years or more from retirement and have a secure job, you have the ability to take risk, and could be 100% stock if other criteria are right. If you are already retired, you don't h...
by Offshore
Mon Jun 02, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: what has biggest influence on your stock/bond ratio
Replies: 27
Views: 1729

Re: does frugality result in lower career ambition?

Interesting question. For me personally, I don't think being frugal has anything to do with my career ambition. If nothing else, I'm motivated to earn more which in turn allows me to save more and retire sooner. I've never really been motivated that much by material goods, so that may just be me. N...
by Offshore
Mon Jun 02, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 9056

Re: Are hybrid cars a good idea yet?

FWIW, I have driven a Prius since I purchased it new in 2008. My only expense has been gas and oil changes. It has been flawless, mechanically. I will tell you, Prius drivers get no respect on the road (speaking of my midwest town). People will pull out in front of you and generally disregard the v...
by Offshore
Sat May 31, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8796

Re: Are hybrid cars a good idea yet?

FWIW, I have driven a Prius since I purchased it new in 2008. My only expense has been gas and oil changes. It has been flawless, mechanically. I will tell you, Prius drivers get no respect on the road (speaking of my midwest town). People will pull out in front of you and generally disregard the ve...
by Offshore
Thu May 29, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8796

Re: White collar crime book recommendations?

2nd any of Michael Lewis' books.

"The Big Short" I liked more than "Flashboys". Both good reads.
by Offshore
Thu May 22, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: White collar crime book recommendations?
Replies: 21
Views: 1147

Hedge funds in 2014

I like the CNBC app. Thier news is my daily reassurance that a buy and hold strategy is the way to invest, and their daily stories are nothing more than a remake of the "emporer's new closthes" tale. Today, there is a piece that indicates how hedge funds this year are suffering defeats to ...
by Offshore
Thu May 22, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Hedge funds in 2014
Replies: 2
Views: 467

Re: Golfer's elbow treatment

got it. thanks.
by Offshore
Sat Apr 19, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: Golfer's elbow treatment
Replies: 7
Views: 603

Golfer's elbow treatment

I built a golf hitting net in my basement and have been practicing all winter, except for the past 3 weeks (full swing, 5 iron on down). A pain developed in my right elbow (lateral). The internet (source of all truth, right?) diagnoses me with golfer's elbow, a cousin of tennis elbow. It has gotten ...
by Offshore
Sat Apr 19, 2014 7:10 am
 
Forum: Personal Consumer Issues
Topic: Golfer's elbow treatment
Replies: 7
Views: 603

Re: How important are Int'l Bonds?

I'd say Vanguard's Total International Bond Index Fund is neither important nor dangerous. I think that sums it up perfectly. I agree with this. What is also important to consider, is a thing called fiduciary responsibility. We have avoided adding "specialty funds", at our attorney's reco...
by Offshore
Sat Mar 22, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 4430

How important are Int'l Bonds?

I sit on my company's investment committee. A few years ago, fighting the current of active management (and my fellow committee members), we transitioned to (almost) exclusively Vanguard offerings. Recently, an employee has taken an interest in our fund lineup by writing a letter to the investment c...
by Offshore
Sat Mar 22, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: How important are Int'l Bonds?
Replies: 44
Views: 4430

Re: Retirement: Protect Your Critical First Decade

Garco,

Would you define the 4 assets of you allocation?
I'm on the brink of retiring. But my portfolio is 50-25-15-10

Thank you.
by Offshore
Thu Feb 27, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement: Protect Your Critical First Decade
Replies: 38
Views: 4083

Re: Carolina Vacation Recommendations

"Second" Hilton Head. Great family vacation destination, even with a one year old.
by Offshore
Sat Feb 22, 2014 1:38 am
 
Forum: Personal Consumer Issues
Topic: Carolina Vacation Recommendations
Replies: 16
Views: 950

Re: Portfolio theory and the riskless (safest) asset

Jason Zweig's column, WSJ 1/31/2014; The closest thing to a riskless asset is Treasury inflation-protected securities, U.S. government bonds that promise to preserve your purchasing power. Conservatively assuming a rate of return of zero, a $2 million portfolio of TIPS will enable you to withdraw $1...
by Offshore
Sat Feb 08, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio theory and the riskless (safest) asset
Replies: 54
Views: 3926

Re: 22 multiple rule

Mr. Zweig makes the following statement: The closest thing to a riskless asset is Treasury inflation-protected securities, U.S. government bonds that promise to preserve your purchasing power. Conservatively assuming a rate of return of zero, a $2 million portfolio of TIPS will enable you to withdra...
by Offshore
Mon Feb 03, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: 22 multiple rule
Replies: 42
Views: 4450

Re: "Capital" gains

grabiner, may I ask you a tax question? It relates to tax loss harvesting and capital loss carry over. If one has short term losses carried over on schedule D, and the amount of these losses exceed LTCG in a given year, can the losses wipe out the gains? Is there a limit on how much? For example, if...
by Offshore
Sun Feb 02, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: "Capital" gains
Replies: 7
Views: 743

"Capital" gains

2013 was great year…sort of. My IPS calls for rebalancing once per year, at year end. My taxable account holds equities. Tax deferred account holds bonds and REITS. So, all of the rebalancing took place in the taxable account. This has led to losing 23.8% of the gains to taxes (20% LTCG + 3.8% ACA)....
by Offshore
Sun Feb 02, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: "Capital" gains
Replies: 7
Views: 743

Adding equity as we age

Did anyone see the WSJ article in yesterday's paper? It was titled "Why Adding Stocks to Nest Eggs As We Age Might Be Smarter." It reviewed a study from this month's Journal of Financial Planning that concluded investor's may be better off with equity allocations that follow a U-shaped pat...
by Offshore
Tue Jan 14, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Adding equity as we age
Replies: 15
Views: 1207

Re: Bonds or another alternative?

Dandy, are you willing to state your age? You say you are ~57% bonds.
I use a remarkably similar fixed income strategy as you. I am 53 and readjusted AA to 50:50 this year.
by Offshore
Sun Jan 05, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds or another alternative?
Replies: 7
Views: 1183

Re: What's Your up to the minute AA?

livesoft, this is the kind of information I find interesting. Thanks for sharing. I suspect the adage "age in bonds" is too conservative for most. But "age in bonds" leaves gaps in understanding why people choose their AA. Larry Swedroe has a phrase that's apropos here: "Nev...
by Offshore
Sun Jan 05, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 110
Views: 9783

Re: What's Your up to the minute AA?

This thread interested me by title. I was curious to see how bond allocation corresponded with age (I am 53 and this year adjusted to a 50:50 AA). I noticed that nobody mentioned their age along with their AA.
by Offshore
Sun Jan 05, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 110
Views: 9783

Re: Apple TV and wireless headphones

BrandonBogle, Texasdiver,

Just wanted to tell you guys that I ordered and received the Sony MDR DS6500 headphones, from Amazon.com.
They work great and there are no issues.
Thanks for the suggestion.
by Offshore
Thu Nov 14, 2013 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Apple TV and wireless headphones
Replies: 17
Views: 4271

Re: Apple TV and wireless headphones

BrandonBogle,

When the optical output on the TV has a cable plugged in to it, will the sound on the TV work? I'd like to keep the cable plugged in, always, so there is no monkeying around when either audio (TV or headphones) is desired.
by Offshore
Sat Nov 09, 2013 10:28 am
 
Forum: Personal Consumer Issues
Topic: Apple TV and wireless headphones
Replies: 17
Views: 4271

Re: Apple TV and wireless headphones

Thanks for the replies... Please take a look at the Sony manual of these rf headphones: https://docs.sony.com/release/MDRDS6500_EN_FR_ES.pdf . This would be plugged into either the Apple TV or the TV (both have optical out). I am now thinking this method is preferred, since it would allow the use of...
by Offshore
Sat Nov 09, 2013 9:27 am
 
Forum: Personal Consumer Issues
Topic: Apple TV and wireless headphones
Replies: 17
Views: 4271

Re: Apple TV and wireless headphones

The essential item is this: http://www.monoprice.com/Product?c_id=104&cp_id=10428&cs_id=1042802&p_id=6331&seq=1&format=2 Using the above item allows my laptop to run an HDMI cable to a big screen TV. This works. I have been streaming Netflix movies on the laptop, to a big screen ...
by Offshore
Sun Nov 03, 2013 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Apple TV and wireless headphones
Replies: 17
Views: 4271

Re: Apple TV and wireless headphones

618744,
Plug your wireless transmitter into the analogue side

What will be the wireless transmitter? In my scenario, the laptop serves that function.
Can you elaborate? Thanks.
by Offshore
Sun Nov 03, 2013 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Apple TV and wireless headphones
Replies: 17
Views: 4271

Apple TV and wireless headphones

I'm told it can't be done (pairing apple tv and wireless headphones).

Here's my solution.

1) Play a Netflix movie on the Macbook and mirror image onto a large screen TV (wired connection).
2) Wireless headphones from laptop.

Will this work (and without an audio delay)?
by Offshore
Sun Nov 03, 2013 11:08 am
 
Forum: Personal Consumer Issues
Topic: Apple TV and wireless headphones
Replies: 17
Views: 4271

Re: Am I the only scifi fanatic who thinks that Gravity is l

I agree!! My family enjoyed the film, however, I couldn't stop checking my wristwatch. Thin plot, okay acting but not-so-great script. I give it a 5 out of 10. ch There was, however, a preview that interested me. A bunch of hollywood legends go to Las Vegas for a bachelor party. Wish I could remembe...
by Offshore
Mon Oct 28, 2013 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Am I the only scifi fanatic who thinks that Gravity is lame?
Replies: 102
Views: 5504

Re: Programming Linux

Thanks for the replies. What he's after is gaming...writing them. He wants to start at basic building blocks, which to him, means a black screen and flashing cursor. Maybe this is too ambitious, I don't know. I wish I could give him more direction. We have an Apple machine and a Dell (with Ubuntu), ...
by Offshore
Thu Oct 10, 2013 9:40 am
 
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 1571

Programming Linux

My 12 year old son is desparate to learn computer programming. He has no idea how to start, and I am no help. We have an old Dell computer that was stripped of Microsoft and loaded with Linux. I thought this machine would be a good one for him to use. Can someone recommend an absolute beginner's boo...
by Offshore
Thu Oct 10, 2013 8:29 am
 
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 1571

Re: How Close Are You To Your Number and Financial Independe

One's "number", I have learned from listening to retired folk, is a moving target. Having listened to several retirees tell thier story (local Bogleheads chapter). What I heard were variations of the following: "I had a number in mind. I never made it. My job became so unpleasant, my ...
by Offshore
Mon Sep 30, 2013 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Close Are You To Your Number and Financial Independence?
Replies: 71
Views: 6286

High handicap golf nut

How many games can you think of where the player may truely stink, but absolutely loves doing it and can't get enought of it! For me, that's golf. I am taking lessons and practicing at least a 3 times/week. I play about once/week. Through lessons (PGA professional) I feel like I have a proper unders...
by Offshore
Sun Aug 04, 2013 3:01 pm
 
Forum: Personal Consumer Issues
Topic: High handicap golf nut
Replies: 18
Views: 1765
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