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Re: Your Favorite Cookbook?

Excellent for Vegetarians: Jack Bishop - The Complete Italian Vegetarian Cookbook.
by Stonebr
Thu Dec 18, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 60
Views: 3948

Re: What's your withdrawal rate for 2014?

A hair over 3%. We are in the waiting period between retirement and claiming Social Security at 70.
by Stonebr
Thu Dec 18, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your withdrawal rate for 2014?
Replies: 26
Views: 2602

Re: 401K getting better - should I front-load contributions?

If you can afford it, why not? I used to "front load" my IRA contributions by sending them off in January as soon as legally possible. Based on past history, the longer you're in the market the more total return you get through compounding -- on average. Front loading gives you more time i...
by Stonebr
Thu Dec 18, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K getting better - should I front-load contributions?
Replies: 1
Views: 334

Re: Evaluating a stable value fund

Two key questions would involve the transfer restrictions that are mentioned and whether all purchases and redemptions are at a stable unit price of $1.00. With an average maturity of 11.9 years, the portfolio value could drop significantly if rates rise. Stable Value funds maintain a market to boo...
by Stonebr
Wed Dec 17, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating a stable value fund
Replies: 8
Views: 1052

Re: Evaluating a stable value fund

1) The vehicle should carry contracts with multiple, high-quality insurers: insurers carrying a rating of at least AA or the equivalent from one of the major rating agencies. 2) More than 90 percent of the portfolio should be covered with insurance contracts. 3) At least 90 percent of the vehicle’s...
by Stonebr
Wed Dec 17, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating a stable value fund
Replies: 8
Views: 1052

Re: Taking advantage of 15% tax bracket

barnaclebob wrote:You'll want to make sure you don't violate wash sale rules but they may only apply to a purchase and then sale within 30 days.


I thought wash sale only applied to capital loss.
by Stonebr
Wed Dec 17, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 15% tax bracket
Replies: 6
Views: 1055

Re: What desktop should I buy.

No problem keeping a desktop 10 years, we've done it. However, if you think your laptops are sluggish, try using a 10 year old desktop! It's like going back to dial-up internet service. You say you don't want anything fancy. My experience with keeping a top-of-the-line 2003-era desktop for ten years...
by Stonebr
Wed Dec 17, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2457

Re: Where do you shop for groceries?

All three. Plus we are members of a local Food Co-op.
by Stonebr
Tue Dec 16, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 6043

Re: Any negative outlooks on healthcare industry's future

placeholder wrote:
Luisrz87 wrote:
baw703916 wrote:Mr. Market knows all that information.

Not sure what you mean?

That means that everyone else knows what you know and that is already factored into current prices.


But nobody knows anything...
by Stonebr
Tue Dec 16, 2014 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: Any negative outlooks on healthcare industry's future
Replies: 49
Views: 2773

Re: Could it be worth using Roth even in a high tax bracket?

Like Deep Thoughts says, no RMD. No matter how long you live, you can let it ride and not worry about tax effects. YOU control the cash outflow, not the IRS. This alone makes it worth doing for at least part of your retirement portfolio regardless of your tax bracket.
by Stonebr
Tue Dec 16, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Could it be worth using Roth even in a high tax bracket?
Replies: 37
Views: 2338

Re: Seeking advice for NYC family trip.

Parking is trivial, but it costs money. Once you park, perhaps at the hotel, you can use public transportation and taxis everywhere. Yeah, this is what we do. Parking is particularly available on weekends -- no competition from the commuters. Friday afternoon the parking garages start emptying out ...
by Stonebr
Mon Dec 15, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Seeking advice for NYC family trip.
Replies: 6
Views: 333

Re: Used Volvo S60 T5

I loved my Volvo S60, but it was not a cheap car by any stretch. Drivetrains are extremely reliable, but front suspension will nickel ($500) and dime ($1000) you to your wit's end. Older Volvos (over ten years) start to show their age with electrical issues. My experience with 3 different Volvo deal...
by Stonebr
Sun Dec 14, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Used Volvo S60 T5
Replies: 10
Views: 883

Re: My thoughts.

Maybe traders are noticing collapsing commodity prices (oil being just one of many) and extremely low interest rates. Prior times when this happened, like the 1930s, stocks were not the place to be. Even if these events have little or no meaning the uncertainty they engender is reason enough for a m...
by Stonebr
Sun Dec 14, 2014 8:20 pm
 
Forum: Investing - Theory, News & General
Topic: My thoughts.
Replies: 13
Views: 1568

Re: You folks think [a market crash] is coming?

Crash, correction, bear market -- not the same thing. Crash is a rare event, so probably not. If we get a crash it'll be over in about a week. (not saying which week) Correction -- pretty common so highly likely. Bear market? That's the real question, whether we go down 20% or more in the coming year.
by Stonebr
Sat Dec 13, 2014 9:11 am
 
Forum: Investing - Theory, News & General
Topic: You folks think [a market crash] is coming?
Replies: 64
Views: 5672

Re: Retirees: Withdrawals by time and amount

I started my early retirement with 2 years spending cash in an Ally online savings account earning .86%. I have an automatic monthly withdrawal sent to my checking account from which I pay all living expenses. After a year the Ally account is down to 1 year's worth of expenses and at the time I tra...
by Stonebr
Fri Dec 12, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: Withdrawals by time and amount
Replies: 36
Views: 3417

Re: From Tax-Managed International to Developed Markets Inde

Guess you'll have to pay a little more in taxes.
by Stonebr
Thu Dec 11, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: From Tax-Managed International to Developed Markets Index
Replies: 4
Views: 312

Re: Investing Magazines

One of the few regrets I have from my 35 years of investing is the amount of time and money I wasted on these magazines. If you must read this trash, do it for free at your public library or your dentist office.
by Stonebr
Mon Dec 08, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 29
Views: 2247

Re: Travelers Roadside Assistance

AAA discounts at motels, museums, and tourist traps cover the cost of membership and then some. I don't think Travelers, which we also have, gets you anything like that.
by Stonebr
Mon Dec 08, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 1928

Re: Unauthorized charge on corp. card

Back before I retired I had a corporate AMEX card that was tied to my home address. I'd get the bills, check them over and submit to corporate travel accounts for payment. I just looked at an old Equifax credit report and found that the corporate card did NOT appear anywhere as one of my credit line...
by Stonebr
Mon Dec 08, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized charge on corp. card
Replies: 9
Views: 770

Re: What to do with VGPMX?

I wouldn't mind so much, but it is no longer what it once was. It used to be called an index, whether it was or not. It's apparently now only half precious metal and the other half is commodities. It's also not very evenly distributed and is also actively managed. If it was still an actual index, I...
by Stonebr
Mon Dec 08, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 32
Views: 2240

Re: Why So Many Used Prius for Sale?

I've read that financial planners don't recommend the Prius for cost savings because replacing the main battery negates any fuel efficiency savings. Don't know at what year they usually go bad, but a main battery replacement would make buying a 2010 Prius with very low miles at a good price moot. W...
by Stonebr
Sat Dec 06, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 6831

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I actually agree with Jack on this. Today, U.S. companies conduct almost as much business overseas as they do in the U.S. Close to 50 percent of production, sales, and profits are from overseas business, and the amount paid in foreign taxes is more than that paid in U.S. taxes. Yeah, and the other ...
by Stonebr
Fri Dec 05, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11378

Re: Bogle puts a bow on it in under 15 minutes

If a regular member of the forum suggested that he would likely get a lot of flack. So, I wish some of the better minds on this forum would spend some time on how we might gauge market valuations that might be getting extreme. We get plenty of reinforcement for staying the course but not so much on...
by Stonebr
Fri Dec 05, 2014 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Bogle puts a bow on it in under 15 minutes
Replies: 21
Views: 4379

Re: Suddenly Retired, do I have enough?

if rates go up, my stable value funds will also yield more, and the principal will not go down, Not necessarily. Stable value funds are backed by bonds, and bonds lose value when rates go up. In order to maintain stable value, the fund manager may have to keep rates the same or even drop them to ma...
by Stonebr
Fri Dec 05, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Suddenly Retired, do I have enough?
Replies: 42
Views: 6804

Re: Stanley Kubrick's 2001 a space odyssey

Great Movie. It traces man's pursuit of knowledge(the stone is a metaphor for knowledge and also is a communication device from a world much further advanced than us). The movie traces man's progress from apes to outer space. Of course, the baby at the end is just an indicator that man is as the st...
by Stonebr
Wed Dec 03, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3961

Re: Stanley Kubrick's 2001 a space odyssey

My belief is that there isn't an atom of meaning in it. +1 I saw the movie in the theatre when it first came out and found it baffling. I'd read Clarke's Childhood's End , so I was at least clued in to his ideas, but the movie was too abstract. The story was incomprehensible or non-existent, and th...
by Stonebr
Wed Dec 03, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3961

Re: Looking for affordable winter activities.

1. Cross country skiing. 2. Cycling -- With studded snow tires I can ride my old mountain bike right through the Maine winter. 3. Head south for a week or two. Last year we went to the Gulf Coast near Tallahassee. The panhandle is much quieter and less expensive than the rest of Florida. Prettier to...
by Stonebr
Mon Dec 01, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Looking for affordable winter activities.
Replies: 19
Views: 1637

Re: Long-Lasting Incandescents + LED Question

We replaced every bulb in our house with LEDs in February of 2013. All of them are still working fine.
by Stonebr
Sun Nov 30, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 4870

Re: Plywood R value attic - energy efficiency

(still theorizing) that the plywood would help eliminate convection (in addition to the usual insulation already in place). This further reduction may not be reflected in the plywood r value. Question for those in architecture/engineering/knowledgeable - is this theory correct? No. The R-value of a...
by Stonebr
Sun Nov 30, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Plywood R value attic - energy efficiency
Replies: 29
Views: 1682

Re: "Where to Invest in 2015"

This is an unsettling reminder of all the time and money I used to waste reading trash like this -- Kiplinger's, Money, Barron's, WSJ, Forbes, Fortune, and all the other business and investment noisemakers. :(
by Stonebr
Sun Nov 30, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: "Where to Invest in 2015"
Replies: 19
Views: 2766

Re: Vacuum Cleaner Suggestions Please

I have a 25 year old Miele that gets regular use. It needed a repair about 10 years ago -- the on/off switch broke. That's it. I've had the suction checked and it was still up to original specs after a couple of decades. We also have a Panasonic that a previous owner of our house left behind. It's g...
by Stonebr
Sat Nov 29, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 2260

Re: The Whole Ball Game Of Equity Investing As I See It

Tilting and slicing and dicing might add to portfolio returns if the investor is highly disciplined (stay the course), doesn't monkey with the slices, and waits for a very long time. However, I suspect that the added returns are not going to be enough to change your standard of living significantly ...
by Stonebr
Sat Nov 29, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Whole Ball Game Of Equity Investing As I See It
Replies: 33
Views: 4476

Re: Florescent lights

I remember in elementary school, sometime in the late 50's or early 60's, the teacher gave us a few drops of mercury to hold in our hands. I think it was part of science class. Didn't they know mercury was toxic back then. Yeah, in 1960 or so our 3rd and 4th grade science classes we had a "pet...
by Stonebr
Sat Nov 29, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Florescent lights
Replies: 20
Views: 1560

Re: How did you handle the 2008 bear market ?

Stayed the course, rebalancing at the end of 2008. However, I did a lot of tax selling -- all my individual stocks and actively managed mutual funds in taxable space went out the window. I reinvested in index funds. Waiting the required 30 days actually worked out nicely (just luck) with the market ...
by Stonebr
Tue Nov 25, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 6244

Re: Brother wants me to co-sign a house with him

Sounds more like he wants you to buy the house with him and live there too. Co-signing means he buys the house but you guarantee the loan. Here's info from the Federal Trade Commission on co-signing. http://www.consumer.ftc.gov/articles/0215-co-signing-loan The risk is that you end up with 100% of a...
by Stonebr
Mon Nov 24, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 3080

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

I was told the money would go both for buying gifts AND giving each of these employees a $1000 bonus. I'm serious, when the email came, I thought it was a typo by a factor of ten. My supervisor said this has been a long-ongoing tradition from before either of our time. I've never faced this before,...
by Stonebr
Thu Nov 13, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 10801

Re: Electricity costs going up

Our solution has been conservation and efficiency -- converting all of our lights to energy saving bulbs (LEDs mostly, but with a few CFLs). And I mean all of them. We've also kept the 20 cu.ft. fridge, disconnected the ice maker, buy only Energy Star rated appliances, and turn lights out when we l...
by Stonebr
Sat Nov 08, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3686

Re: Electricity costs going up

In all of New England rates are expected to go up sharply this winter. http://www.pressherald.com/2014/10/06/electric-rates-to-spike-for-mid-size-businesses-this-winter/ Like Massachusetts, Maine is essentially deregulated. Central Maine Power does distribution in our area, but we are free to choose...
by Stonebr
Sat Nov 08, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3686

Re: Advice please

This is either the age-old question "Dollar Cost Averaging or Lump Sum?" or the non-BH "Should I try to time the market?" I think there's a wiki page on the former, and a lot of disagreement on the latter. I'd invest the whole thing now, but if you want to wait and try market tim...
by Stonebr
Fri Nov 07, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice please [Received large commission check]
Replies: 20
Views: 2133

Re: When do you buy a new home computer?

We just replaced our 12 year old (but high end for 2002) Dell XP desktop in September with a Macbook Air. The only reason we kept it was that my wife used an iPad as her primary internet connection. The Dell was for photos and a photo software package that she used. I already had a Macbook Air so no...
by Stonebr
Fri Nov 07, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4573

Re: Most boglehead off-road vehicle?

Drew777 wrote:
Sidney wrote:Mountain bike.


I can't imagine trying to ride a mountain bike through thick mud, Georgia clay, a swamp, etc. When I say thick mud I'm talking about mud you might get stuck walking through.


Sounds like fund to me. Check out the Punk Bike Eduro

https://www.youtube.com/watch?v=uRyqq5s7g20
by Stonebr
Fri Nov 07, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 2145

Re: War on Debt

As Crake says, $520 a month for gasoline is insane. :shock:

There's your savings. You guys are grounded.
by Stonebr
Fri Nov 07, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 31579

Re: Most boglehead off-road vehicle?

Stonebr wrote:
Sidney wrote:Mountain bike.


+1 My thinking exactly.

It's simple, reliable, one-wheel drive, goes far more places than any of the vehicles mentioned above, and can be picked up used for $50.


Not to mention that you can quit your fitness club and save whatever $$$ a month.
by Stonebr
Fri Nov 07, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 2145

Re: Most boglehead off-road vehicle?

Sidney wrote:Mountain bike.


+1 My thinking exactly.

It's simple, reliable, one-wheel drive, goes far more places than any of the vehicles mentioned above, and can be picked up used for $50.
by Stonebr
Fri Nov 07, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 2145

Re: Oil change costs--dealer vs other

Conventional (non-synthetic) oil is selling for a minimum of $3.00 a qt. these days. You can maybe get the cheap stuff for less and the name brand for more. I'm not sure how much your Accord uses, but figure about 5 quarts. Then add in the cost of a filter and you are probably over $20. That, in add...
by Stonebr
Thu Nov 06, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2570

Re: Shutdown of Butterfly Labs--dubious bitcoin mining gearm

Not sure who made the pickaxes, but I believe the Ames Shovel Company did experience a huge boom during the 1849 gold rush; but Ames shovels were honest, sound merchandise--so sound that during one period of time they were legal tender in some Western states. The Butterfly Labs ASIC-based gear, not...
by Stonebr
Tue Nov 04, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Shutdown of Butterfly Labs--dubious bitcoin mining gearmaker
Replies: 2
Views: 599

Re: Shoes for the Garden

I use raised beds so I never actually step in my garden soil. I wear sneakers or go barefoot. Never any mud except maybe around the compost pile.
by Stonebr
Mon Nov 03, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1634

Re: Seeking recommendations for a new dishwasher

In my opinion dishwashers are not what they used to be. We bought a top-rated (by Consumer Reports) low cost machine several years ago. Within 18 months it was simply not getting the dishes clean. We cleaned the filter and grinder, used dishwasher cleansers, but it was basically not doing its job. I...
by Stonebr
Sun Nov 02, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 1050

Re: Oil and Gas investments

Most of us here probably remember the early 80s when 'sure thing' oil and gas plays in US and Canada turned into total dogs during a long period of low oil and gas prices. +1 Very leery of any investment that is structured for tax avoidance. The structure and fees make them difficult to analyze. I ...
by Stonebr
Sat Nov 01, 2014 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Oil and Gas investments
Replies: 15
Views: 1302

Re: home insulation question

It's also possible that the builder was careless with regard to air seal. You can put all the insulation in the world in an attic, but if there's a gap in the building envelope the warm air will just flow right through the insulation. That's why a blower test is important. If I were you I'd skip the...
by Stonebr
Sat Nov 01, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: home insulation question
Replies: 13
Views: 1771
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