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Re: Who sells fresh coffee that is not as strong as Starbuck

I'm in New England. We have a ubiquitous convenience store chain called Cumberland Farms. They've been upgrading their stores, and are definitely a step up from 7/11. Anyway, they have Green Mountain self-serve, any size, hot/cold, any flavor, for $0.99. I just make myself a half-caff. They do a dec...
by dad2000
Sat Aug 16, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2339

Re: Vanguard Lost My Account

How did they know that the person who accessed your account was not you? Their logs would contain the IP address of the person accessing the account. Those narrow down pretty well where the access is coming from. In my experience with fraud, the IP address will be associated with other (somewhat la...
by dad2000
Fri Aug 15, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10400

Re: Treasury Direct--just blowing off steam

My problem wasn't deleting OldBank. As you say, the form says you need to do that via the website, and I did. Sorry, I think I understand. You're trying to replace the OldBank with (FirstBank, Secondbank). I'm guessing that TD staff is instructed not to delete banks, so you'd have to do this: 1. Ad...
by dad2000
Fri Jul 25, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4192

Re: Looking for insights on San Antonio

The Riverwalk is okay, but it's a dining/tourist attraction, and shouldn't be that much of a factor in whether you'd move there. Like many others, I did some stints in S.A. while on military active duty. OP: Are you single or married? Kids? Talked to your spouse? Investigated the school system? Mayb...
by dad2000
Fri Jul 25, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 33
Views: 1610

Re: Treasury Direct--just blowing off steam

I hadn't checked my TD account for a while, so I decided to log in. Here is the form: http://www.treasurydirect.gov/pdf/rs/PDF5512.pdf I think page 4 very clearly states that nothing on the PDF form leads to the deletion of bank accounts and that you should delete accounts through the web site. I'm ...
by dad2000
Fri Jul 25, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4192

Re: Conservative Assumptions For Retirement Calculators

Just remember that real-life returns can be highly volatile as compared to average returns, and the sequence of returns can make or break things. Make sure you account for this.

You mentioned Firecalc. Otar ORC is another good tool that doesn't just rely averages.
by dad2000
Thu Jul 24, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative Assumptions For Retirement Calculators
Replies: 14
Views: 1693

Re: Help with Math Problem

Oicuryy wrote:My guess.

Capacity A = Capacity B * ((Cost A/Cost B) ^ (1/.07))

Capacity B = Capacity A / ((Cost A/Cost B) ^ (1/.07))

Ron



Should be 0.7 not .07.
by dad2000
Thu Jul 24, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Math Problem
Replies: 7
Views: 584

Re: 500K Sitting in a Bank Account

I would have a conversation with my siblings and all agree to a plan. Write it down. All sign it. +1 If necessary, spread it across institutions so that you have full FDIC insurance. Use a site like depositaccounts.com to ensure you're getting the best yields. Generally speaking, the yields for 1 y...
by dad2000
Thu Jul 24, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500K Sitting in a Bank Account
Replies: 17
Views: 1612

Re: Where is your brokerage account?

Vanguard & Schwab. The Schwab interface is far superior. And although this is slowly changing, the separate brokerage accounts within Vanguard are annoying. My Vanguard web account has more sub accounts (15) than funds owned because of all the permutations of types of accounts (mutual-fund, brok...
by dad2000
Wed Jul 23, 2014 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2710

Re: Calling all Cyclists... [help getting into cycling]

:D :D :D dbr, you make some good points. Here is my dilemma: 1. The problem shoulder doesn't hurt when I am on the bike, 2. This season in Maryland is just too perfect to sit out, 3. I didn't think the hard gravel would make any difference, and 4. My bike was professionally fit by a store called &q...
by dad2000
Tue Jun 17, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5438

Re: Do you use a trust to buy extra I-bonds beyond the maxim

The spouse and I each have trusts, so we purchase $40K/year.

The trusts were established for more conventional reasons, but this is a side benefit.
by dad2000
Mon May 19, 2014 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Do you use a trust to buy extra I-bonds beyond the maximum?
Replies: 9
Views: 774

Re: First Ironman Triathlon Next Year -Any Good Books

I would start by reading anything authored by Joe Friel.
by dad2000
Mon May 19, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 1062

Re: Hybrid bike recommendation (around $500 max)

If you don't have experience maintaining bikes, I wouldn't buy one on the Internet. I also would not initially focus on a specific brand of bike. Generally speaking, bikes within a similar price range will be of similar quality, especially once you get out of the department store price ranges ($100-...
by dad2000
Tue May 13, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hybrid bike recommendation (around $500 max)
Replies: 23
Views: 1769

Re: How to calculate living expenses 30 years from today?

Maybe I'm missing something. It looks like you have 2 projected major sources of income, either of which could mostly cover your projected living expenses. Unless you are an extreme pessimist and think both sources will fail before you retire, anything else you save would essentially be an emergency...
by dad2000
Tue Apr 29, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate living expenses 30 years from today?
Replies: 13
Views: 1228

Re: The Power of Zero (0% tax bracket in retirement) book

Yes, checked it out of the Amazon Prime Lending library. I got through it in about 20 minutes, skipping the content that is remedial for most of us. To sum it up... at the time or retirement, they want you to have 6 months of expenses in taxable, IRA balances lowered such that RMDs will be less than...
by dad2000
Wed Apr 23, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Power of Zero (0% tax bracket in retirement) book
Replies: 22
Views: 3943

Re: Can this 4% CD be trusted?

It may be one of these: http://www.mymoneyblog.com/new-marketin ... rates.html

I value my time too much, so won't go to insurance and time-share type pitches for the freebies.
by dad2000
Tue Apr 15, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2736

Re: Asness & Fama on Bloomberg TV NOW

This is great stuff. More informative than 1000 hours of that other noise spewing channel.

Consuelo Mack is also frequently worth watching.
by dad2000
Tue Apr 15, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Asness & Fama on Bloomberg TV NOW
Replies: 23
Views: 1370

Re: I'm on a mission for more security

Some other suggestions: 1. Configure all of your accounts (banks, credit, etc.) to send you email alerts for significant transactions. 2. Consider using a separate and more secure/private email account for your financial emails. I host my own server, not practical for most. Best is probably Neomailb...
by dad2000
Tue Apr 15, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1763

Re: How much water do you drink every day?

1-2 quarts most days. 6-8 quarts on my longer workout days. I participate in an endurance sport.

Also, about a quart of green tea daily, which is about as healthy as water.
by dad2000
Mon Mar 31, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3484

Re: Expensive hobbies and possessions? (B/c you can...)

Possessions:
McMansion + oceanview vacation home.

Hobbies:
Almost all sports/fitness related. Between us and the kids, we spend >$25k/year on equipment, training, events/travel, etc. We're all extremely healthy, so well worth it IMHO.
by dad2000
Mon Mar 31, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 14208

Re: Keep/Backup Health Care Records?

I recently requested and received copies of my military health care records. Those were not online to my knowledge.

Most of our recent records are available online, but I still create PDF copies for my own records.
by dad2000
Mon Mar 24, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Keep/Backup Health Care Records?
Replies: 12
Views: 797

Re: POLL: Do you have a financial advisor?

With 185 votes in at this point, no Bogleheads with under $1M in their portfolio use an advisor. I'd be curious to know: a) A little more about the portfolio size (maybe <$2M, <$5M, <$10M, >=$10M) b) Their primary reason for using an advisor (ie investment advice, tax advice, estate planning, etc.) ...
by dad2000
Fri Mar 21, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you have a financial advisor?
Replies: 37
Views: 2171

Re: Was frugality a mistake? The downsides of saving too mu

With effort, one can be frugal, yet enjoy many of life's luxuries. I've owned some luxurious sports cars. Instead of focusing in on one model, I took advantage of some leases with artificially high residual value and low rates. Been to Superbowl, NBA finals, top-name fights. In season, I've stayed i...
by dad2000
Sat Mar 15, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 9990

Re: I don't want to upgrade XP just yet, is that ok?

Made the switch a while back. If you use email, or sites other than Bogleheads, I think you're best served by buying a new system because of all the malware out there. Hopefully you can still buy a system with WIndows 7. Windows 8, IMHO, is absolutely awful from a user experience and productivity pe...
by dad2000
Fri Mar 14, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 7237

Re: How did you decide how much to save?

I never decided how much to save because my income is variable.

I budget what to spend, ensuring that it is less than my base salary. Then I save everything else. Long term average is about 20% of gross, or 28% of net.

Were my income more predictable, I'd probably try to save 15%.
by dad2000
Thu Mar 13, 2014 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9806

Re: Amazon hikes cost of Prime to $99

We have transferred much of our non-grocery shopping to Amazon, so the savings in gas alone would cover the membership fee. We have also been able to cut out all premium programming (except for sports) from our cable bill. Instead, we use Prime, and a few months of Netflix during the summer. We also...
by dad2000
Thu Mar 13, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 9319

Re: What's a reasonable composite expense ratio?

I think anything under 0.50% is reasonable. But that can be tough for people who have poor 401K plans.

Mine:
529s: .35%
401Ks: .39%
Other: .09% (Taxable, IRA, Roth, HSA)
Composite: .26%
by dad2000
Wed Mar 12, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 3333

Re: non-compete [Employer NDA and Non-Compete agreements]

I'm not an attorney but have direct knowledge of a couple cases in MA. Generally, the narrower the restrictions, the more favorable the court looks upon the NC. I think what this really comes down to is how litigious your employer is. If they are willing to spend the money to enforce the NC, it woul...
by dad2000
Tue Mar 11, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: non-compete [Employer NDA and Non-Compete agreements]
Replies: 35
Views: 1672

Re: excessive fees and dominated funds plague 401k plans

dad Seems to me you should at least get them to offer passive, low cost funds as options, and getting rest of employees on board demanding it. Larry Larry, Agreed, but much easier said than done. I'm not allowed to advise or educate outside the committee. As we all know, indexing provides better th...
by dad2000
Tue Mar 11, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: excessive fees and dominated funds plague 401k plans
Replies: 17
Views: 946

Re: excessive fees and dominated funds plague 401k plans

I agree. I'm on our 401K committee and can't get much done. The "fiduciary" guides the plan, so of course, we have mostly active funds. People chase * ratings and past performance. Average ER is >1%. I have to slice & dice in a crazy way to keep my 401K portfolio ER to about 0.5%, but ...
by dad2000
Tue Mar 11, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: excessive fees and dominated funds plague 401k plans
Replies: 17
Views: 946

Re: What age to buy I bonds?

I like them because they are very adaptable: - They can be tax-exempt (subject to AGI limits) when used for qualified college expenses. - They are the best inflation hedge (along with TIPS, but I prefer I-bonds in taxable space) - They can be used as an emergency fund - They can be used as flooring ...
by dad2000
Tue Mar 04, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What age to buy I bonds?
Replies: 29
Views: 2620

Re: International Fund Merger Info

I own some of this fund and agree with the issues raised by OP. Both of these funds have well over $10B in assets, so I don't think this had to be done for cost reasons.

The followup question: Where else would one go to get a tax-managed ex-US index fund for ER=10bp?
by dad2000
Tue Mar 04, 2014 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: International Fund Merger Info
Replies: 16
Views: 797

Re: You know you're a Boglehead when ...

When the market dips on the invasion of Ukraine, and your biggest complaint of the day is that the format of your favorite website has too much whitespace or is not optimized for all monitor resolutions.
by dad2000
Mon Mar 03, 2014 10:55 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 16168

Re: Will I have enough? Boglehead input needed!

Without knowing your estimated expenses in retirement, it's hard to know.

Have you tried entering your scenario into Firecalc? It will give you a reasonable estimate of success rate.
by dad2000
Mon Mar 03, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will I have enough? Boglehead input needed!
Replies: 2
Views: 631

Re: Timing Russian stocks right now

Bogleheads that have Emerging Markets as a separate holding in their AA will likely end up buying more of their EM holding as part of their rebalancing process.
by dad2000
Mon Mar 03, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Timing Russian stocks right now
Replies: 22
Views: 1417

Re: 529 contributions and future tuition costs

Do most people really think tuition will increase at 7% over the next 18 years? I think technology and things like MOOCS will help bring costs down. We can all take classes for free at some of the top universities in the world. I even think the value of a diploma will start to decrease over time (e...
by dad2000
Mon Mar 03, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 contributions and future tuition costs
Replies: 46
Views: 2847

Re: How Much of Tax Refund Do You Save/Spend..??

I try not to over-withhold, so if I get a refund, it amounts to <1% of my income. It gets deposited in the checking account to pay bills. Nothing special.
by dad2000
Sun Mar 02, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much of Tax Refund Do You Save/Spend..??
Replies: 68
Views: 2689

Re: Why the love for target date funds?

I think low-cost target funds are a great idea for the average family that doesn't earn enough to justify investing in taxable. Following the simple plan of investing 10-15% of their income in a 401K target date fund from an early age would put them in a much better place than most. Unfortunately, t...
by dad2000
Sun Mar 02, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 4325

Re: Stable Value Rate Below "Guaranteed Minumim"?

There seems to be this disclaimer below the guarantee: "Guarantees are based on the claims-paying ability of ING Life Insurance and Annuity Company". So I suppose ILIAC can just say they are no longer able to provide the guarantee?
by dad2000
Sat Mar 01, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stable Value Rate Below "Guaranteed Minumim"?
Replies: 17
Views: 1213

Re: What was your dumbest financial decision?

Probably not the worst thing in the world, but not signing up for the TSP when I was in the military. I would love to have some G Fund in my bond allocation.
by dad2000
Sat Mar 01, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 9514

Re: Credit Security Freeze

Quite easy to freeze.

The one time I had to temporarily lift so I could refi, I used the PIN supplied by the credit agency. I believe there was a ~$5 charge.
by dad2000
Sat Mar 01, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Security Freeze
Replies: 4
Views: 338

Re: Advice needed on problem neighbors

My experience is that engaging drug abusers in the hope that they will act rationally is a waste of time. This will only happen if they change their lifestyles, and you're probably not the one that will make that happen. I would make sure your insurance coverages are adequate, particularly as they r...
by dad2000
Fri Feb 28, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Advice needed on problem neighbors
Replies: 30
Views: 3302

Re: "Optimizing" Portfolio & Expense Ratios

I'll bite. The "management fee" is a component of the expense ratio, not in addition to it. The ER you should pay the most attention to is "Net Expense Ratio". Aside from wrap fees (which don't exist in HSA Bank as far as I know), the Net ER is what it will cost you to own the fu...
by dad2000
Thu Feb 27, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Optimizing" Portfolio & Expense Ratios
Replies: 7
Views: 370

Re: Snow Removal Service Surcharge?

Assuming you have an alternative (snowblower or another company), I would explain your point of view and attempt to negotiate it down.

It reminds of the people who prepaid heating oil at a higher fixed rate to avoid fluctuations, then were charged surcharges anyway.
by dad2000
Thu Feb 27, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Snow Removal Service Surcharge?
Replies: 5
Views: 401

Re: Risk of New Jersey Govt. Employee Benefit Cuts

Disclaimer: I know nothing about the NJ constitution. Based on affairs in Detroit, it would seem that assurances aren't what they seem. According to this link, it would seem that retirees were shielded from retroactive reductions in 2010: http://www.nj.com/news/index.ssf/2010/09/gov_christie_outline...
by dad2000
Thu Feb 27, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk of New Jersey Govt. Employee Benefit Cuts
Replies: 9
Views: 945

Re: Car Seats: Leather or Cloth with Kids?

Leather without a doubt.

When we were using child restraint seats, we put some inexpensive rectangular floor mats between the leather seats and child seats. The mats prevent permanent indentations and protect against other sticky stuff like dried up food & drink.
by dad2000
Thu Feb 27, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Car Seats: Leather or Cloth with Kids?
Replies: 46
Views: 2795

Re: what's your number?? (for married couples)

Assuming that you won't be carrying any debt into retirement, I think that $100K per year of income is more than comfortable.

So $3-5M in the initial retirement portfolio, depending on how early you retire.

Anything above that would be way out of the realm of middle class IMHO.
by dad2000
Wed Feb 26, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: what's your number?? (for married couples)
Replies: 70
Views: 6455

Re: HELP! Medical costs

Did the police give a reason for not arresting the individual? Lack of evidence? Do you know his/her identity?

If the other party is at fault, it would seem that you should have a winnable small claims case for your medical bills.
by dad2000
Wed Feb 26, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: HELP! Medical costs
Replies: 57
Views: 3265

Re: No Silver Bullets in Investing

This was one of the best articles I've recently read.

He does a great job of dissecting "smart beta" and "risk parity". It's not too technical, but backed with excellent data, examples, and visuals.
by dad2000
Wed Feb 26, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: No Silver Bullets in Investing
Replies: 14
Views: 2079

Re: Canceling Verizon Service

You might be better served going to a VZW store and getting something in writing. They are all over the place. In my experience, the waits aren't that long, and you know you won't get disconnected.
by dad2000
Tue Feb 25, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Canceling Verizon Service
Replies: 18
Views: 1770
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