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Most solid small car

I am replacing an Acura MDX with a smaller vehicle. I like the solid feel of this car and want a sedan that also feels rock solid. My short list is:

Mercedes C
Audi A3
Acura ILX

Any thoughts or suggestions?
by archman65
Tue Apr 15, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Most solid small car
Replies: 25
Views: 3141

Municipal Bond Allocation

I have a laddered bond portfolio that is 2/3 muni's and 1/3 corporates. As these bonds mature over the coming years I am inclined to simply buy the ETF MUB or The Vanguard Intermediate Tax Exempt Bond Fund (VWITX). Is their a reason to buy MUB over VWITX or vice versa? Is their another good muni bon...
by archman65
Mon Feb 24, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Allocation
Replies: 2
Views: 408

Time share exchange experience

I own a ski unit in Vt at a Gold Star resort that allows me to deposit weeks into RCI or Interval International. I have yet to join either but have heard that if you have flexibility this can be a great way to travel. Does anybody have experience with either. Which do you recommend I try I would pre...
by archman65
Tue Feb 04, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Time share exchange experience
Replies: 1
Views: 318

Re: Buying a ski condominium

Very helpful replies much appreciated. The condo I'm considering is in Southern Vt. at Mt. Snow. I've always enjoyed that mountain and while its not Colorado I switch from skiing to Telemark to snowboarding so I don't generally get bored. Great Fall and Summer place as well. I appreciated the post o...
by archman65
Fri Jan 31, 2014 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a ski condominium
Replies: 17
Views: 1393

Buying a ski condominium

I am about to make an offer for a ski condo which is slope side in Vermont. My analysis indicates that by renting the condo out for Christmas/New Years, MLK weekend and Presidents Week and perhaps one or two other weekends we will cover our yearly overheard and have many long weekends left for perso...
by archman65
Fri Jan 31, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a ski condominium
Replies: 17
Views: 1393

Converting old movies on tape to digital?

Does anybody have an experience with any of the company's that convert old VCR tapes or old 8MM film to digital so I can play on the computer?
by archman65
Wed Jan 22, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Converting old movies on tape to digital?
Replies: 1
Views: 198

Mt. Snow Vermont Grand Summit

Does anybody have any knowledge of Mt. Snow Grand Summit. They sell 13 week (interval ownership) at the base of the mountain.
Seem like that is a lot easier than owning a condo but I will not use the Spring or most of the Fall weeks. They will rent the unit out
for me but take 50%. Any thoughts?
by archman65
Thu Jan 09, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Mt. Snow Vermont Grand Summit
Replies: 1
Views: 332

Dying mothers last wish. (Ethical question)?

A friend of ours recently passed away from cancer. She was a 45 year old mother of two boys 12 and 14. This was a tragic loss for her husband, boys and close family and friends. At the memorial service a family friend gave a speech stating that her wish was for people to donate to a new trust set up...
by archman65
Mon Dec 16, 2013 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Dying mothers last wish. (Ethical question)?
Replies: 22
Views: 2995

Treasury Direct

I buy iBonds every year up to max allowed. I'm wondering if anybody else thinks buying EE bonds or other instruments are a good idea to buy each year and hold in
my treasury direct account?
by archman65
Fri Dec 13, 2013 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct
Replies: 3
Views: 549

Alternative Investment in Real Estate

Does anybody have any experience with investing in real estate deals as a passive investor. I am looking for alternatives to the equity market but I don't want to actively manage real estate. Anybody familiar with Nesteggrx? http://www.nesteggrx.com/investing-in-commercial-multifamily-real-estate-a-...
by archman65
Wed Dec 11, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative Investment in Real Estate
Replies: 1
Views: 296

Re: London and Paris Trip Advice

Thank you all...very helpful!
by archman65
Sat Dec 07, 2013 12:42 pm
 
Forum: Personal Consumer Issues
Topic: London and Paris Trip Advice
Replies: 34
Views: 1972

London and Paris Trip Advice

I am heading the London and Paris end of December with my wife and 2 boys (17 and 20). I am looking people's favorite things to do in each place. I have 4 days in both places. Also of particular concern is New Years eve in Paris. I need a good suggestion for dinner that isn't $100 euro fixed meal pe...
by archman65
Fri Dec 06, 2013 10:06 pm
 
Forum: Personal Consumer Issues
Topic: London and Paris Trip Advice
Replies: 34
Views: 1972

Betterment

I'm begining to think a computer based financial advisor that automatically re-balances between funds upon a 5% more or any addition to the fund is worth the 15 bps fee that Betterment charges. I'm also impressed by some of their posts such as the one below. Do Boggleheads have an opinion on Betterm...
by archman65
Wed Dec 04, 2013 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Betterment
Replies: 4
Views: 1157

Jeremy Grantham-on the equity markets next 2 years

Grantham seems to think this market might have 20% or so of upside over the next year or two but then we will have "the third in the series of serious market busts since 1999 and presumably Greenspan, Bernanke and Yellen will rest happy, for surely they must expect something like this outcome g...
by archman65
Wed Dec 04, 2013 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham-on the equity markets next 2 years
Replies: 10
Views: 1893

Re: The 'Hold Bonds to Maturity' Problem

I much prefer a laddered bond portfolio vs bond funds. I have a basket of 2/3 munis spattered with a few higher yielding corporates (1/3) and I hold to maturing and then re-up. I never worry about the price going up or down because I hold to maturity and always get my principal back. In my book this...
by archman65
Wed Dec 04, 2013 11:55 am
 
Forum: Investing - Theory, News & General
Topic: The 'Hold Bonds to Maturity' Problem
Replies: 65
Views: 3240

Re: would you feel comfortable "retiring" ?

I posted similar question but asked about retiring at 50 and that thread received some very interesting responses. I think with $5M you can easily spend 3% of that or $150K per year and never run out of $. My "number" is a bit higher than yours because I have two college age kids and aging...
by archman65
Sun Nov 24, 2013 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: would you feel comfortable "retiring" ?
Replies: 30
Views: 2051

Re: Retiring at 50

Thank you all for your responses so far. Some of them have really rung a bell. For example I too love to ski and plan on spending more days on the slopes. I also love to cycle and expect my weekly mileage to go up. Yoga, reading, photography, taking on-line courses and volunteering are other activit...
by archman65
Thu Nov 21, 2013 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Retiring at 50
Replies: 67
Views: 8185

Retiring at 50

I would love to hear from "young" retirees. I am 2 years from retiring from the job I've held since 1994. It's been a great ride but am looking forward to not having to deal with the daily commute and my time being mine. I would love advice, suggestions and warnings based on what others ha...
by archman65
Thu Nov 21, 2013 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Retiring at 50
Replies: 67
Views: 8185

Annuity or Social Security at 70

I understand that the cheapest annuity is to simply wait to age 70 to collect social security. Is their ever a scenario where a Boglehead would buy a fixed or variable annuity? A young retiree who is 20 years from social security? A person who isn't confident in the long term viability of the stock ...
by archman65
Wed Nov 20, 2013 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuity or Social Security at 70
Replies: 14
Views: 1375

Re: Strategic Income Fund

See sector weightings below for PONDX. Say's 100% financials.

http://finance.yahoo.com/q/hl?s=PONDX+Holdings
by archman65
Wed Nov 20, 2013 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Strategic Income Fund
Replies: 17
Views: 1414

Re: Strategic Income Fund

The PONDX fund and PIMIX fund that was suggested are both 100% invested in financials. Not very diversified. So far I still like the Fidelity Income Fund.
by archman65
Tue Nov 19, 2013 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategic Income Fund
Replies: 17
Views: 1414

Strategic Income Fund

Bogleheads I am thinking about investing in the Fidelity Strategic Income Fund (FSICX). The fund yields 3.67% with an expense ratio of .70%. It invests in various debt instruments including high yield Investments, Developed Market Debt, U.S. Govt, & Emerging Market Investments. The fund is gener...
by archman65
Tue Nov 19, 2013 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategic Income Fund
Replies: 17
Views: 1414

Toaster Over Recommendation

I have purchased at least one new toaster over per year for the past 5-7 years. The most recent one is a Cuisinart which I think was on the high end. Does anybody
have a recommendation for one that might hold up?
by archman65
Tue Nov 19, 2013 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Over Recommendation
Replies: 13
Views: 642

Investment allocation-Year 1 of Retirement and beyond

In about 18 months I will "retire" from my day job and move on to the next phase. I'll be 50 and I will have a large nest egg thanks to my frugal ways, market gains and getting overpaid during the vast majority of my working career. Now the question come down to just how I should invest si...
by archman65
Mon Nov 18, 2013 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment allocation-Year 1 of Retirement and beyond
Replies: 8
Views: 557

Re: Family vehicle purchase advice

I just bought an Outback. The 2.5i Limited edition. Let me tell you this car is great. My other car is an Acura MDX which is arguably nicer but its a total gas guzzler. The Outback drives fantastic, is good on gas
and is supposed to be amazing in the snow. Get one!
by archman65
Wed Nov 13, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Family vehicle purchase advice
Replies: 47
Views: 2347

Tail risk investing help please

I have a well balance portfolio of bonds and Vanguard Index funds. What I don't have is any exposure to REITS, Gold or Gold Miners, Timber or Natural resources. Is there a fund with low expenses that might capture all of this in one easy to buy portfolio or do I have to buy through ETF's?
by archman65
Fri Nov 08, 2013 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Tail risk investing help please
Replies: 3
Views: 440

Re: Mini Cooper or Fiat 500?

Thanks all. Looks like after testing the mini and the fiat and even thinking about the GTI or Fit (Honda) I am going for a Mini Cooper. I think the quality of the material and build has won me over.
by archman65
Fri Nov 08, 2013 10:14 am
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 3816

Mutual fund analyzer

Is there a tool on-line that allows me to plug in various mutual funds I own (all Vanguard Index funds) and see what the aggregate portfolio looks like?
by archman65
Tue Nov 05, 2013 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund analyzer
Replies: 1
Views: 256

Mini Cooper or Fiat 500?

I'm looking for a small, fun, around the town car. Deciding between a Mini or a Fiat or open to other BoggleHead suggestions. What say you?
by archman65
Wed Oct 30, 2013 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 3816

Rental Real Estate

I am interested in peoples thoughts on purchasing multi-family real estate to produce income. It would act as a good diversifier for my portfolio.
I would buy in the town I live in.
by archman65
Wed Oct 02, 2013 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Real Estate
Replies: 10
Views: 1087

2nd Car for local driving-suggestions please

We have an Subaru Outback for road trips, hauling gear, trips to college, etc... We are searching for Car #2. Prefer something solid feeling that drives well and is fuel efficient. Wife will use this car for her daily around the town driving and to her local job. Ideas? Prius (not too solid feeling)...
by archman65
Fri Sep 20, 2013 10:01 pm
 
Forum: Personal Consumer Issues
Topic: 2nd Car for local driving-suggestions please
Replies: 35
Views: 2264

VW Bug Convertible

Just saw a new convertible and thought it looked very nice. I'm wondering if folks generally view this vehicle as a "chick" car? New design seems to have addressed this issue.
by archman65
Thu Aug 15, 2013 1:03 pm
 
Forum: Personal Consumer Issues
Topic: VW Bug Convertible
Replies: 11
Views: 536

Social Security Benefits

If somebody is a high earner (aka 1%er) and has worked for 25 years with the last 15 being high earnings and then retires 20 years before taking social security (age 50). At age 70 when that person takes social security will their benefit be significantly impacted?
by archman65
Thu Aug 15, 2013 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 4
Views: 533

Social Security Question

If somebody is a high income earner and works for 20 years (Income in excess of $250K a year for this example) and then they retire and they wait until age 70 to collect social security but they only have 20 years of contributions towards SS will they receive a reduced benefit vs somebody who made t...
by archman65
Mon Jun 10, 2013 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Question
Replies: 13
Views: 1441

Dimensional Fund Advisors

Does anybody have any opinion on Dimensional Fund Advisors?
by archman65
Fri May 10, 2013 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dimensional Fund Advisors
Replies: 2
Views: 495

College Financial Aid assistance

I have one son in college and another on his way. Both will be in private colleges that cost $58K-$60K per year. I have the funds to send my kids to college without loans. I own my home outright, I earn a solid living (mid to high six figures) and I have significant savings both in retirement and ta...
by archman65
Tue Apr 16, 2013 1:23 pm
 
Forum: Personal Consumer Issues
Topic: College Financial Aid assistance
Replies: 13
Views: 890

About to become an empty nester...advice

A year from this August my younger son will head off to college. What advice would others who have faced an empty nest give me and my wife? I plan on working while he's in college and then retiring at 52 or 53 years old. At that point I hope to work part time and focus on my own interests. My wife w...
by archman65
Fri Apr 05, 2013 12:41 pm
 
Forum: Personal Consumer Issues
Topic: About to become an empty nester...advice
Replies: 2
Views: 497

Protecting your assets as one ages

I am wondering what people are doing for themselves to protect their assets as they age. Specifically thinking about what happens should myself or spouse need long term care? Seems like long term care insurance is quite limited and expensive. Certainly their has to be a better way than using ones as...
by archman65
Tue Mar 12, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting your assets as one ages
Replies: 1
Views: 320

Re: What's your number? Why?

I have thought about "my number" and truthfully it depends on the area you live and what you want to do with your time. I'm 47 and own my home outright and have all the money I need for college set aside. I have about $4.5M of invested assets and my goal is to have $6M by 50 and then to le...
by archman65
Tue Mar 12, 2013 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21217

Re: Supporting a parent?

Some more perspective. My father lived 4 hours away at our old ski house. After selling his dental practice he was looking for a life of leisure...skiing, golf. He smoked like a fiend for 30 years than suddenly quit. Then he took drinking to another level. He had a very concentrated stock portfolio ...
by archman65
Thu Feb 28, 2013 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Supporting a parent?
Replies: 12
Views: 1024

Supporting a parent?

I am in this uncomfortable position where my 77 year old self centered father now lives in my town. I pay for his apartment but recently he got off the wait list for something significantly cheaper because its state subsidized. I feel a bit guilty but even the new place will be over $10K per year an...
by archman65
Thu Feb 28, 2013 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Supporting a parent?
Replies: 12
Views: 1024

Buying a tablet...which one?

I owned the first iPad and after about 12-18 months was less than thrilled. The device worked fine at home although it didn't take long before it was quite slow. The 3gs with AT&T was a total waste. So I did what a smart bogglehead would do and I sold it for about $350 on Amazon. Now I want a ne...
by archman65
Thu Jan 17, 2013 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Buying a tablet...which one?
Replies: 42
Views: 2764

Annuity for Dad

My 75 year old dad lives on social security and a small draw from his stocks and cash. His total net worth is about $100K now and I thought it might make sense to buy an annuity with those funds. AARP seems to be a good place to start and they offer an annuity that would guarantee him about $500 per...
by archman65
Wed Jan 09, 2013 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annuity for Dad
Replies: 10
Views: 839

Need Short Term Bond Fund recommendation

I am looking to "tweak" my bond holdings. I have a basket of munis, a basket of Corporates and bunch of iBonds and seven bond funds listed below. I am looking for recommendations of short duration funds because I am concerned about interest rates rising eventually and these funds getting h...
by archman65
Tue Jan 08, 2013 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Short Term Bond Fund recommendation
Replies: 1
Views: 379

Real estate in my dads name-Assisting my father

My 77 year old dad who is in reasonable shape lives in my town and I pay his rent. He lives off of social security a tiny amount of dividends from a few stocks he owns. I am considering buying a co-op but it would have to be in his name because the co-op board says they have to be owner occupied. I ...
by archman65
Mon Jan 07, 2013 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate in my dads name-Assisting my father
Replies: 0
Views: 155

EE Bonds & Bond Funds

I am working on my fixed income portfolio. About 1/2 of my assets are in fixed income with about 60% being in CD's, Muni's, Corps and IBonds. All laddered where I own the security directly. About 40% is in low cost bonds funds that I don't want to sell but I am hesitant to add to. I was thinking tha...
by archman65
Fri Jan 04, 2013 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE Bonds & Bond Funds
Replies: 2
Views: 416

Two dividend ideas-need feedback

I am looking for yield like everybody else. I have two ideas I would like feedback on. PowerShares Preferred (PGX) and Alerian MLP ETF (AMLP). A bit more than 6% yield for both. Not 100% sure what my risks are.
by archman65
Thu Nov 29, 2012 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two dividend ideas-need feedback
Replies: 1
Views: 228

Diesel vs Hybrid car?

I debating between getting a VW Jetta TDI or Prius. Seems like the mileage is about the same but I am concerned about diesel availability and loud diesel engine? Currently their is a gas issue in New York area and had I had a diesel I wouldn't have had to wait on a 3 hour line for gas over the weeke...
by archman65
Tue Nov 06, 2012 10:46 am
 
Forum: Personal Consumer Issues
Topic: Diesel vs Hybrid car?
Replies: 30
Views: 1842

Year End Estate Tax Planning?

What are folks doing now to plan for 2013 changes coming? Estate tax rate going from 35% to 55% and exemption going from $5.12M to $1M.
by archman65
Fri Oct 19, 2012 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Year End Estate Tax Planning?
Replies: 17
Views: 1462

Is Long Term Care Insurance worth buying?

I have term life insurance, some disability, car insurance, home insurance and an umbrella policy. I don't have long term care insurance is it worth buying. How expensive is it?
by archman65
Mon Oct 08, 2012 9:14 am
 
Forum: Personal Consumer Issues
Topic: Is Long Term Care Insurance worth buying?
Replies: 37
Views: 1463
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