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Re: What is a move-up car after mid-size sedan?

Some of the high end Certified Pre-Owned luxury cars might be worth taking a look at especially if you plan on keeping the vehicle for a while. I'm not up on the latest market conditions, but in the past I've done very well going that route.
by Postmon
Sat Dec 13, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4031

Re: To Tilt or Not To Tilt, that's the question

I posted a similar question a few years ago: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=89428 At the time, I decided to tilt. But if I had to do it again, I probably would go 3-Fund for the simplicity. I think there's some psychology that might make one think that a more "sophist...
by Postmon
Tue Dec 09, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not To Tilt, that's the question
Replies: 52
Views: 2395

Re: Best market solution for large car/small SUV for roadtri

rob wrote:If I were to do what I think your after, I would re-purpose a minivan :shock:


+1 on a minivan. I hate to admit it but they are SO much more practical than an SUV. If you can ignore the look, you can't beat them for comfort/capacity especially on road trips.
by Postmon
Wed Dec 03, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best market solution for large car/small SUV for roadtrips?
Replies: 17
Views: 1488

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

These threads like this make me think of this: http://imgs.xkcd.com/comics/efficiency.png In general, I would agree and know for the LONG term it's like beating a dead horse. However, if the purpose of your bonds is to protect you in worst case scenarios , isn't this why you should be 100% Treasuri...
by Postmon
Fri Nov 14, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 3934

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

I guess it really comes down to what's the purpose of your fixed income allocation. For me, I think of it almost as insurance for when the stock market tanks. I'm willing to give up yield in exchange for being able to sleep at night in the event of something similar to 2008 or a depression. I'm just...
by Postmon
Fri Nov 14, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 3934

Re: Dealing with pressure for "social donations" at work

It's not a management job (I just started), but I will probably wind up with about $200k per year including all my overtime based on what I've been earning since I started the past few months What, you're making $200K!?!? :oops: I would have guessed you were making $50K from the sound of things. Wh...
by Postmon
Thu Nov 13, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 10769

Re: Dealing with pressure for "social donations" at work

And again, I CANNOT make this contribution pretax. It would be coming out of my own, personal bank account. If it was a question of the company doing it and thereby decreasing my personal bonus by a bit, fine. I'd be on board with that, because I agree with the idea that everyone deserves a piece o...
by Postmon
Thu Nov 13, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 10769

Re: Dealing with pressure for "social donations" at work

Ok, so assuming I do it, how do I stop it from eating me alive with resentment? Because even thinking about it really makes me feel angry and resentful toward my coworkers, including my supervisor, who is someone I otherwise like and respect. Don't sweat the small stuff: http://www.amazon.com/Sweat...
by Postmon
Thu Nov 13, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 10769

Re: Dealing with pressure for "social donations" at work

I hate this whole group gift mentality that has emerged where you get guilted in to giving for almost anything. Whether it's at work, for teachers, donations at a cash register, etc.. As an individual, yes give where appropriate. That said, I'd suck it up and give the full amount. Consider it a busi...
by Postmon
Thu Nov 13, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 10769

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

I continue to stick with Total Bond (and individual TIPS and series I savings bonds) out of some vague feeling that diversification can't hurt. I compromise in that I own the short-term bond index My take is that wider diversification is better than narrow diversification The more I think about it,...
by Postmon
Thu Nov 13, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 3934

Why Not 100% Treasuries if your Risk is on the Equity Side?

I know many say they take their risk on the equity side yet their bond allocation includes investment grade corporates either separately or within a fund. I have a typical 60/40 AA. Within fixed income, 30% is in short-term corporates (VCSH) and 70% in Treasuries, TIPs, and a conservative Muni fund ...
by Postmon
Thu Nov 13, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 3934

Re: I want to be a millionaire, please critique my plan

Total yearly automatic investments $37,500. This number will rise as my pay does. Are you planning to have kids? If so, that could change everything. We plan on having kids in 5 years or so. 2 Max. Before our kids came along I was very disciplined in terms of my automatic investments. After we had ...
by Postmon
Thu Nov 13, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: I want to be a millionaire, please critique my plan
Replies: 26
Views: 4573

Re: Boglehead family vacations

Cruise lines and All-Inclusives such as Club Med jack up their rates significantly during break times. When our kids were younger, we would save money by taking them out of school a few days early and return on off days. Something like leaving on Wednesday and returning on Thursday. You can save a l...
by Postmon
Wed Nov 12, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4167

Re: I want to be a millionaire, please critique my plan

oleblue wrote: Total yearly automatic investments $37,500. This number will rise as my pay does.


Are you planning to have kids? If so, that could change everything.
by Postmon
Wed Nov 12, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to be a millionaire, please critique my plan
Replies: 26
Views: 4573

Re: Does Fidelity charge for additional monies to existing f

Has anyone had any luck in getting them to waive the $75 fee? Years ago I tried but my rep said this is one fee they can't waive. They'll give me free ETF trades but never waive $75 transaction fee. Similar to the previous suggestion, if you plan to invest regularly, you can set up automatic investm...
by Postmon
Wed Nov 12, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Fidelity charge for additional monies to existing fund?
Replies: 6
Views: 602

Re: If your networth is over $3 million, how did you do it?

And one more....don't ever forget about the bulls, the bears and the pigs! :wink:
by Postmon
Tue Nov 11, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33330

Re: If your networth is over $3 million, how did you do it?

5. Marry someone who will go with the program or trusts you to steer the ship. ... The advice was fine until I got to item #5. That's a type of an attitude to a spouse that is likely to turn her or him into an ex-spouse. A poor choice of words on my part. :oops: Was trying to convey that if you wan...
by Postmon
Tue Nov 11, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33330

Re: If your networth is over $3 million, how did you do it?

1. Start early, save as much as you can and live below your means. When you get out of college, don't go out and buy a BMW, rent a fancy apartment, take expensive vacations, etc. Get a cheap car, rent a modest apartment, pay off your student loan, and any debts. 2. Pay off your credit card each mont...
by Postmon
Tue Nov 11, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33330

Re: Which Chromebook?

Love my HP14 (except for the color!) and think the screen is fine for general use. Take a look at the reviews on Amazon from real people. I'm always wary of the "professional" reviewers. But, if you're looking for the latest and greatest, the new Toshiba with the 13.3 inch screen (CB35-B33...
by Postmon
Sat Nov 08, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 51
Views: 5015

Re: Most boglehead off-road vehicle?

Nothin better than a naked Wrangler on a nice day! :beer

Image
by Postmon
Fri Nov 07, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 2143

Re: When do you buy a new home computer?

I've converted over to a Chromebook and it's made life so much easier. KInd of like after you've simplified your investment portfolio :wink: I now do almost everything (internet, music, spreadsheets, word processing, etc.) with Google products. It starts up in seconds and you don't have any of the t...
by Postmon
Fri Nov 07, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4570

Re: Most boglehead off-road vehicle?

Depends on what you mean by Bogleheadish for that type of vehicle. To me it would be capability and fun per mile as opposed to cost or reliability. Agree with jasper -- I don't know any vehicle more capable or fun than the Wrangler. Not exactly Bogleheadish from a cost/reliability perspective but it...
by Postmon
Thu Nov 06, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 2143

Re: Most boglehead off-road vehicle?

What are you looking to do with it? Is it just going to be a daily driver or are you actually going to take it off-road?
by Postmon
Thu Nov 06, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 2143

Re: Oil change costs--dealer vs other

I wish I could find a trust worthy dealer but have never been able to. I used to shop for price using the quick oil change places, dealers, chains, etc. but no more. In addition to the up selling, I've had too many problems: * At one of the quick change places they were having trouble getting to the...
by Postmon
Thu Nov 06, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2565

Re: Oil change costs--dealer vs other

That $20 oil change is what they use to get you in there. Then I guarantee the real sales tactics begin: "when was the last time you had xyz changed, or you really could use new wiper blades, or it's time for the X,000 mile service." I happily pay my local shop $40 where the coffee is horr...
by Postmon
Thu Nov 06, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2565

Re: Washington DC Condo - Rent or Sell??

Don't know about the numbers but make sure you understand what you may be getting into as a landlord. Even though you're only 10 miles away you could wind up with a bad tenant Make sure you understand all the potential issues and decide whether you're willing to deal with them should they arise. Not...
by Postmon
Sat Nov 01, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Washington DC Condo - Rent or Sell??
Replies: 7
Views: 892

Re: Intermediate Bond ETF's

IEI if you're looking for short to intermediate Treasuries.
by Postmon
Wed Oct 29, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Bond ETF's
Replies: 9
Views: 834

Re: Shoes for Plantar Fasciitis?

I tried everything including custom inserts but nothing worked. Then I tried Birkenstocks Arizona sandals and I was in heaven. Not the most stylish but who cares! I later added Birkenstock inserts to my athletic shoes and hiking boots. They're almost as comfortable as the sandals.
by Postmon
Mon Oct 20, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2571

Re: Slice and Dicers -- Plans when you can't manage it anymo

I login to my Fidelity account and click on the Analysis tab to run their GPS tool which is essentially the Morningstar Portfolio X-ray tool. Wow, this is a great idea! I never thought about doing it this way. I'm definitely go to dig into this approach and see if I can get it to work for me. :beer
by Postmon
Wed Jul 23, 2014 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2447

Re: Slice and Dicers -- Plans when you can't manage it anymo

…. Whenever I go into my spreadsheet to rebalance, I even have to take a few minutes to re-familiarize myself with it. …. There's the problem right there. My slice-and-dice portfolio is so simple that I would never use a spreadsheet for my portfolio. Perhaps that's the model of simplicity to hold u...
by Postmon
Tue Jul 22, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2447

Re: Slice and Dicers -- Plans when you can't manage it anymo

I have to disagree with those who say the number of funds doesn't matter. In theory it doesn't but when you have numerous accounts, both taxable and tax-deferred, it adds complexity to the process. To some it may not matter but to others it does. Whenever I go into my spreadsheet to rebalance, I eve...
by Postmon
Tue Jul 22, 2014 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2447

Re: Slice and Dicers -- Plans when you can't manage it anymo

I'm the first to admit that my wife has more brains than me when it comes to everything.....except for money, imho! :wink: For whatever reason, it's just not a priority -- never been, never will. I went S&D with the belief that there may be something there compared to a 3-Fund. But, I realize no...
by Postmon
Tue Jul 22, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2447

Slice and Dicers -- Plans when you can't manage it anymore?

I have a "typical" S&D portfolio that I rebalance regularly. I'm in my early 50's in good health, with wife and young kids. When I set it up I was thinking about a 3-Fund for simplicity but went the S&D route. I planned to get my wife involved but realistically it's never going to ...
by Postmon
Tue Jul 22, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 38
Views: 2447

Re: How to Invest Kids' Inheritance

If your real question is should the investments be allocated differently than they are, I would ask what would cause this question to come up? You have an allocation that you think is appropriate already, and the only reason to change it seems to be that you think the kids should not be handed a &q...
by Postmon
Sat May 03, 2014 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest Kids' Inheritance
Replies: 9
Views: 1086

Re: How to Invest Kids' Inheritance

OP, Are these funds still held in trust? You refer to them as "trust investments", but elsewhere you say that they are now in your kids' names. Oops, I should have been more clear. Yes, they're still held in trust but now for the benefit of (FBO) each kid. My understanding is that trust t...
by Postmon
Sat May 03, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest Kids' Inheritance
Replies: 9
Views: 1086

How to Invest Kids' Inheritance

My kids (tween-aged) each received a low six-figure inheritance consisting of three trust accounts: Taxable (35%) Traditional IRA (55%) Roth IRA (10%) Additionally, they each have 529's with enough in them so no need to worry about college. I haven't done anything with the trust investments yet. The...
by Postmon
Sat May 03, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest Kids' Inheritance
Replies: 9
Views: 1086

Re: Where to put $10-15K for 2-5 years?

We answered the question. If you may need the money in the next few years, don't invest it. Leave it in the bank.
by Postmon
Sat Mar 29, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put $10-15K for 2-5 years?
Replies: 25
Views: 2604

Re: Where to put $10-15K for 2-5 years?

I don't know if you have any other assets or debts. If this is for emergencies, school or a house, I would just leave it in the savings account. Maybe a short-term bond fund, but nothing longer than that.
by Postmon
Sat Mar 29, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put $10-15K for 2-5 years?
Replies: 25
Views: 2604

Re: Where to put $10-15K for 2-5 years?

I'm confused. Is the $10 - 15K already in your IRA? Do you have any other assets?
by Postmon
Sat Mar 29, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put $10-15K for 2-5 years?
Replies: 25
Views: 2604

Re: Buying Tires at Costco

I usually order online from Tire Rack and have them shipped directly to my local mechanic. He balances/installs for $100. Total price usually works out to be about the same as Costco. Advantages of Tire Rack: huge selection compared to only a few choices at Costco, confidence of having my local mech...
by Postmon
Sun Feb 02, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Buying Tires at Costco
Replies: 38
Views: 10792

Re: TIPS Duration? Big Variance-Vanguard VIPSX vs Fidelity F

I'm guessing that big drop at the end of December was a distribution. The charts look the same from January on.
by Postmon
Wed Mar 20, 2013 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Duration? Big Variance-Vanguard VIPSX vs Fidelity FSIYX
Replies: 5
Views: 984

Re: Anyone Choosing to Retire in Maryland?

I believe Maryland has a 16% Estate Tax on estates over $1 million. :shock:
by Postmon
Mon Mar 11, 2013 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 5083

Re: Implementing Two-Factor Authentication for Fidelity Acco

I just called and transferred from the dongle to the soft token. Took about a minute! :sharebeer
by Postmon
Wed Feb 27, 2013 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 13034

Re: When you can't manage your S&D portfolio anymore?

Let's say you have an existing S&D portfolio with significant capital gains. If you want to maintain your existing portfolio to avoid cap gains tax and just have them do re-balancing and provide general guidance/advice, is that something a firm would do? I would think they would want to take con...
by Postmon
Sat Feb 23, 2013 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: When you can't manage your S&D portfolio anymore?
Replies: 25
Views: 1495

Re: Implementing Two-Factor Authentication for Fidelity Acco

I've been using the dongle for years and have been happy with it. The only thing is the security code is not integrated with their mobile site or when you call in. When you're on the page where you enter your security code, here's what you get if you click on the link for more info: FAQ for VeriSign...
by Postmon
Sat Feb 23, 2013 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 13034

Re: What are the best insurance companies?

I've been with AMICA for 30 years and can't say enough good things about them. They do not use agents/brokers so you need to contact them directly. They'll work with you to figure out what makes sense and there's no sales pressure at all. They may not be the cheapest (sometimes they are), but their ...
by Postmon
Fri Feb 22, 2013 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are the best insurance companies?
Replies: 16
Views: 1256

Re: Post your Morningstar X-Ray Style Box

Domestic
15-20-18
5-7-5
13-14-4

Int'l
36-30-19
6-3-3
1-0-1

Total
21-23-18
5-6-4
9-10-3
by Postmon
Fri Feb 22, 2013 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post your Morningstar X-Ray Style Box
Replies: 71
Views: 3455

Re: When you can't manage your S&D portfolio anymore?

I agree that the principles of managing our S&D portfolio (7 ETFs and 4 MFs) are the same as a 3-Funder. But for execution, I disagree. There is a difference for someone who doesn't work with spreadsheets, is not mathematically inclined, nor is experienced in placing ETF orders. For some, every ...
by Postmon
Fri Feb 22, 2013 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: When you can't manage your S&D portfolio anymore?
Replies: 25
Views: 1495

Re: Feel like I somehow cursed the market

My portfolio is already down about $6,000 in two days - I don't even want to check my numbers anymore I can relate. When I bought my first mutual fund I used to call the toll free number each day (no web back then), punch in my account number and see how it was doing. Each day I was either really h...
by Postmon
Fri Feb 22, 2013 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Feel like I somehow cursed the market
Replies: 48
Views: 2845
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