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Re: Where do you shop for groceries?

Our choices are limited by schedules, commutes, traffic, etc. If there were no traffic, and we had time to shop, it would likely be: Costco 50% Wegmans 25% Trader Joes 25% Instead, it's Costco 60% Trader Joes 20% Whatever is closest: 20% As our kids get older and move out, Costco will be less freque...
by dad2000
Wed Jan 21, 2015 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8026

Low Bond Yields and Safe Portfolio Withdrawal Rates

A new article from Pfau, Blanchett, and Finke: http://www.advisorperspectives.com/newsletters15/Retiring_in_a_Low-Return_Environment.php It paints a dim picture due to current low bond yields and high CAPE, with SWRs of 2-3% for most scenarios. Perhaps bond yields can't stay this low forever, but we...
by dad2000
Wed Jan 21, 2015 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Low Bond Yields and Safe Portfolio Withdrawal Rates
Replies: 6
Views: 747

Re: Annuity Concerns

Hello, Another consideration is that they both are going to earn enough in pensions and Social Security to break even with their monthly expenses. Thanks. The main case for an annuity is to protect against outliving your savings. The big negative is that you lose control of the principal. Since the...
by dad2000
Tue Jan 20, 2015 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuity Concerns
Replies: 8
Views: 719

Re: Poll: What Percent of TIPS in Taxable Account

I own no TIPS, but 7% of my 7-digit portfolio is in I-Bonds.

I-Bonds serve as a second-tier emergency fund (first tier is 6 months expenses in cash), and as inflation protection.
by dad2000
Tue Jan 20, 2015 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What Percent of TIPS in Taxable Account
Replies: 27
Views: 1664

Re: Google Chrome: is this a mega security problem?

As with almost all aspects of computer security, there is a tradeoff with convenience. Unless the version of Chrome on the Chromebook is different, this is all configurable in the synchronization settings which can be found in chrome://settings, then Sign In | Advanced Sync Settings. I choose to not...
by dad2000
Tue Jan 20, 2015 9:22 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6552

Re: Are there any advisors on this site?

1.I'm guessing that you mean advisors. The answer is yes. Ferri, Swedroe, Roth, and Piper are a few that pop into my head. 2. I'm 99% sure that they don't get paid for contributing to this site, but will defer to the moderators. 3. There is a lot more to comprehensive financial planning than investm...
by dad2000
Fri Jan 16, 2015 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any advisors on this site?
Replies: 30
Views: 2572

Re: Florida West Coast vacation with small kids

Agree that little kids tend to like the pools better than the beach. I recommend Marriott on Sand Key, Clearwater Beach. It has a great pool, with the beach right next to it. It's only a mile (over a bridge) from the touristy area, yet still tucked away in a nice quiet section. There was another sim...
by dad2000
Sat Jan 10, 2015 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Florida West Coast vacation with small kids
Replies: 24
Views: 2603

Re: Just finished Bogleheads' Guide to Investing and...

2. You contribute $5,500 to the IRA. You buy your high yield bond fund with it. :confused The high yield bond fund he's talking about is a tax-exempt muni fund. Why would he want to put a muni fund in an IRA? (I'm pretty sure he doesn't). Thanks. I must have missed his specific fund in the thread. ...
by dad2000
Sat Jan 10, 2015 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Just finished Bogleheads' Guide to Investing and...
Replies: 19
Views: 2830

Re: Just finished Bogleheads' Guide to Investing and...

Based on your 80/20 AA, it's most likely that your bond fund will be determined by the available choices in your 401k, unless the available choices are very poor. For example, let's say you plan to save $100k this year 1. You max your 401k at $18k, and put it in a single bond fund. 2. You contribute...
by dad2000
Fri Jan 09, 2015 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished Bogleheads' Guide to Investing and...
Replies: 19
Views: 2830

Re: Just finished Bogleheads' Guide to Investing and...

I'm sure people will elaborate, but here's my short version: 1. No, if the original contribution to the IRA wasn't deductible, it won't get taxed again when you do the back door. But be aware of the pro rata rule if you already have other money in an IRA. 2. At your income and savings rates, and ass...
by dad2000
Thu Jan 08, 2015 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just finished Bogleheads' Guide to Investing and...
Replies: 19
Views: 2830

Re: Humidifiers

I live in New England, 400 sq ft bedroom, gas forced air heat and also use a single room unit.

Is your HCM-300 an evaporative fan type unit? I have a smaller Bionaire unit, also fan/evaporative, that raises my bedroom humidity from 35% to 50%.

How much water does it go through while you sleep?
by dad2000
Wed Jan 07, 2015 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 2808

Re: Michael Kitces on long-term care insurance

I agree wholeheartedly with Kitces. My old thread asking for LTC tail insurance: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=125721 Current LTC plans are not effective insurance products. Unless something better comes up, I plan to self-insure and hedge the tail risk with a SPIA or longe...
by dad2000
Wed Jan 07, 2015 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Michael Kitces on long-term care insurance
Replies: 17
Views: 2034

Another "Should I buy flood insurance?" question

I've had a vacation home for a few years on a tiny street (9 houses) that runs parallel to a river that dumps into the Atlantic Ocean. 5 houses are odd numbered and abut the river. My home and 3 others are on the even numbered side. My home is in FEMA Zone X (500 year risk) , but 6 of the other 8 ar...
by dad2000
Wed Jan 07, 2015 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another "Should I buy flood insurance?" question
Replies: 12
Views: 1052

Re: Do you generally spend more when using credit cards?

I use credit cards so I can automate my budget with minimal effort. Using all cash would make budgeting more challenging, and would likely cause me to spend more. I also save about 2-3% using credit cards through cash back, promotionals, etc. If I went to all cash, I'd probably only have savings on ...
by dad2000
Tue Jan 06, 2015 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2703

Re: Cancel Homeowner's Insurance?

And if someone falls on your driveway, and you have no liability coverage ?...

Way too risky. Shop it around, and go for the highest deductibles. If you think you have the income to self insure, you can surely cover the premiums.
by dad2000
Tue Jan 06, 2015 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6607

Re: What are your 2015 Financial Goals?

It's a tall order I know... 1. Stay employed 2. Wife stays employed 3. Max out both 401Ks 4. Max HSA 5. Max both IRAs, backdoor to Roth 6. After-tax contribution to 401k up to $53K limit 7. 1 week Carribean vacation 8. Buy $40k in I-bonds ($20k retirement, $20k for kids college fund) 9. Pay off mort...
by dad2000
Sat Dec 20, 2014 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 8243

Re: Is it safe to use a credit card at Target?

I would only use my debit card as an ATM card on my own bank network. . That does not make a transaction any more secure. Assuming you're talking about using a debit vs. a credit card at a retailer, with a debit card there's less financial intermediation. Your bank is an intermediary, but will imme...
by dad2000
Fri Dec 19, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 1855

Re: Is it safe to use a credit card at Target?

I would only use my debit card as an ATM card on my own bank network. In this day and age, you should not assume that any retailer is adequately protecting your credit card information. But credit cards are generally safe to use at any legit retailer due to their fraud protection. If you are using c...
by dad2000
Fri Dec 19, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 1855

Re: On average, how often do you check your investment balan

I check all my balances daily only because of all the cyber fraud going on in the world. Otherwise, I'd probably do it monthly. Is it possible that checking your balances daily increases the risk of becoming a victim of cyber fraud, by increasing the opportunities to have your ID/password discovere...
by dad2000
Thu Dec 18, 2014 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3450

Re: On average, how often do you check your investment balan

I check all my balances daily only because of all the cyber fraud going on in the world. Otherwise, I'd probably do it monthly.
by dad2000
Wed Dec 17, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3450

Re: Early Retirement

IndexInvestor wrote:- And what should I do with all my time if I do retire?


Ignoring the financial issues, this seems like a big red flag to me. Until I had an pretty good answer to this question, I wouldn't do it at your age.
by dad2000
Thu Dec 11, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early Retirement
Replies: 19
Views: 3450

Re: Stolen computer

ronan177 wrote:How can I freeze credit reporting agencies? Would that have an impact on my credit standing, score, etc.?


How to freeze credit: http://www.clarkhoward.com/news/clark-h ... uide/nFbL/
It did not affect my credit score as far as I can tell.
by dad2000
Thu Dec 11, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Stolen computer
Replies: 29
Views: 2396

Re: Fly or drive? Not just time vs. money anymore

On-time performance is so bad, that there is a high probability of missing at least one connection on a round-trip. Missing a connection with kids (and especially newborns) is miserable. Just too much stress involved. We avoid connecting flights whenever possible. I think we've only had one family f...
by dad2000
Thu Dec 04, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4793

Re: New Tony Robbins Book on Financial Freedom

I spent 30 minutes in the bookstore skimming the book. My review in a nutshell is that it's a mixture of motivational speech, novice financial advice, and interviews of prominent investors. Unless you're interested in all three aspects, the book is far too long. The all-weather portfolio inspired by...
by dad2000
Sat Nov 22, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 89
Views: 20699

Re: Jim Cramer dad & LTCI

Would SPIA's have any problem? Isn't it like a straight forward monthly payment? Yes, but joe8d is probably concerned that the insurance company could fail, and that the state guarantee associations won't make him whole. Personally, I'd be willing to take my chances on a SPIA with an A++ company. U...
by dad2000
Sat Nov 22, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3803

Jim Cramer Dad & LTCI

I was flipping through XM Radio tonight on the drive home and caught Jim Cramer talking about his Dad's recent passing. I normally can't listen to him for more than 10 seconds because of his antics, but tonight was obviously different. It was a nice tribute, and he was clearly upset (to say it nicel...
by dad2000
Fri Nov 21, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3803

Re: I may not make my retirement goals! What to do?

You are basing your models on living past age 95. That may be beyond your actuarial life expectancy. Look into the cost of a deferred annuity to cover your floor from age 85 onward, then rerun your models. SPIA is another option, but the payout rates will be low at your age. Either way, the mortalit...
by dad2000
Wed Nov 19, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 4152

Re: An alternative to alternative investments

Yes $5M, but maybe one could gain access through an advisor by paying an additional wrap fee? Larry: I know that your feelings are that QSPIX is worth 150bp for the factor exposure, but I have my doubts that many of us would find the fund useful. I consider my standard of living to be pretty high, b...
by dad2000
Tue Nov 18, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 270
Views: 30926

Re: Credit Card Fraud - Need Advice

As a previous poster noted, ATM and credit cards are easily duplicated, and no PIN is required to use a credit card. Was the Walmart where the transactions occurred outside your normal area of travel? The fraud detection departments of my credit cards seem to be pretty good at picking up on this. I'...
by dad2000
Tue Nov 18, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 36
Views: 5615

Re: Parents can be forced to pay college tuition in NJ?

http://www.divorcenet.com/states/new_jersey/payment_of_college_costs After reading the linked article, I can certainly understand whey the judge ruled as he/she did. Personally, I think that parents need to provide a security net until emancipation, but that requiring college tuition goes too far. I...
by dad2000
Fri Nov 14, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Parents can be forced to pay college tuition in NJ?
Replies: 31
Views: 1993

Re: Boglehead family vacations

We did the Disney thing when the kids were in the 5-9 age range, pulling them out of school for a couple days. There are various websites that document crowd patterns and strategies to optimize the park experience. Arriving on the weekend, we hit the less busy parks like Sea World. We hit Disney on ...
by dad2000
Thu Nov 13, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4318

Re: Consider freezing your credit

I looked into LifeLock. I think that what I do is as good or better, and I would implement most of these protections with or without Lifelock anyway: My credit has been frozen for years. I might do a temporary lift once every few years, but it's not a huge hassle. I have my own monitoring. My accoun...
by dad2000
Thu Nov 13, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5137

Re: Your favorite classic toys for kids

Plastic soldiers.
Etch a sketch.
Lego
Operation
All the outdoor stuff... basketball hoop, red trike, red wagon, bike with training wheels

My kids are still in grade school and played with all of them. The basketball hoop will always be a great long term investment.
by dad2000
Tue Nov 11, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 5505

Re: Boglehead family vacations

Florida and Caribbean are always going to demand top dollar during spring break if you go anywhere near the kid stuff. San Diego has plenty to do for both kids and adults. Charleston, S.C. is a beautiful town. Being from the northeast, we found that the beaches there were okay for us during spring b...
by dad2000
Tue Nov 11, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4318

Re: Scan my books to PDF?

There are only two ways I know of to do it in volume.

1. Destructive. Cut the spine, auto feed sheets.
2. Non-destructive. Person flips pages, camera takes pictures.

Destructive is relatively inexpensive. Non-destructive is not, usually $20-100 per book.
by dad2000
Thu Nov 06, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Scan my books to PDF?
Replies: 8
Views: 942

Re: Question re Roth conversion and state (MA) tax reporting

I used the more popular one, so I wouldn't expect the same bugs. I have done Roth conversions as an MA resident.

In 2012, I did have an anomaly with the Forms 8606 where my basis wasn't carried over from the previously filings, so the taxable amount was wrong. I had to override it.
by dad2000
Wed Nov 05, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question re Roth conversion and state (MA) tax reporting
Replies: 7
Views: 464

Re: Question re Roth conversion and state (MA) tax reporting

Could you share with us which tax software you used?
by dad2000
Wed Nov 05, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question re Roth conversion and state (MA) tax reporting
Replies: 7
Views: 464

Re: Job Satisfaction and Risk Tolerance

Job dissatisfaction, and risk to my human capital in general could influence my allocation.

I would certainly ensure that my ER was adequate, but eliminating debt would be higher on my list.
by dad2000
Sat Nov 01, 2014 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction and Risk Tolerance
Replies: 9
Views: 939

Re: Would this be a wash sale?

Looking at their composition, it seems to me like VTIAX and VFWAX are more likely to be called substantially identical.
by dad2000
Fri Oct 31, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would this be a wash sale?
Replies: 4
Views: 357

Would this be a wash sale?

Sell: VTIAX (Total International Stock Index)
Buy: VTMGX (International Developed Market Index) + VEMAX (Emerging Markets Stock Index)

In reading the rules, I don't think so, but just want to make sure.
by dad2000
Fri Oct 31, 2014 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would this be a wash sale?
Replies: 4
Views: 357

Re: What are you up YTD?

I trust that everyone who TLH'd earlier this month is happy with the place they landed. Flipping back to the original holdings may not be in the cards. But don't worry, there will be other chances for you to get back "home." It's difficult to find much to TLH in a 5 year bull market. I sl...
by dad2000
Fri Oct 31, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30082

Re: What savings vehicle should I use for my car?

I-bond yields are also attractive relative to short term CDs and deposit accounts.
by dad2000
Thu Oct 30, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: What savings vehicle should I use for my car?
Replies: 35
Views: 1715

Re: MS Windows 7 Dead?

When you say security patches will be forthcoming as long as Win7 is on enterprise desktops. is that a fact or a wish? I love my Windows 7 but since they discontinued support for XP(that I loved) I have every reason to believe they will take this also 'from my cold dead hands.' Microsoft pledged su...
by dad2000
Wed Oct 29, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2321

Re: MS Windows 7 Dead?

Windows 7 is firmly embedded on many corporate/enterprise desktops. Windows Vista was largely a disaster, and Windows 8 was a major step backward in usability for productivity type users. I wouldn't worry about this too much. While you may not be able to get phone support from Microsoft, security pa...
by dad2000
Wed Oct 29, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2321

Re: Are we really in the 0% bracket?

For reference, a documented TaxCaster LTCG bug: https://ttlc.intuit.com/questions/25794 ... al-bracket
by dad2000
Wed Oct 29, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Are we really in the 0% bracket?
Replies: 32
Views: 3987

Re: Do I need life insurance?

I haven't bought in almost a decade, but my recollection is that there were age tiers that caused sudden jumps in premiums. For example, I recall that getting my policy in effect before I turned 40 was a big deal. If this is still the case, and since you are 29, you may be on one of those tier bound...
by dad2000
Tue Oct 28, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1521

Re: Done with Honda, not sure what next car should be?

I think we are looking for the Jack Bogle of auto manufacturing. He/she probably doesn't exist. I am generally a fan of Elon Musk in that he is forcing other manufacturers to innovate, and seems to be interested in doing the right thing. Their cars are still a little pricey from a pure value standpo...
by dad2000
Sun Oct 26, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 7979

Re: Retiring without any additional investments for 25 years

You are certainly well on your way.

I would suggest running your scenario through Firecalc to get an idea of the probabilities. But many life events can happen in the next 25 years, so nothing is certain. Do you have all of the insurance that you should (umbrella, term life, DI, etc.)?
by dad2000
Sun Oct 26, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring without any additional investments for 25 years
Replies: 20
Views: 2902

Re: new interesting piece by Asness on hedge funds

I consider myself a BH, but don't feel that I have to be 100% indexed (Right now I'm 95% if you exclude my iBonds). I'm willing to consider any liquid, low-fee, well-diversified investment with decent risk adjusted returns. This is particularly the case if it has low or negative correlation to my ex...
by dad2000
Sat Oct 25, 2014 8:42 am
 
Forum: Investing - Theory, News & General
Topic: new interesting piece by Asness on hedge funds
Replies: 26
Views: 2613

Re: Feeling rich to feeling poor overnight

How long would you be able to keep the current arrangement if she weren't visiting? How long is she visiting for? I think the best options are: 1. Do a short term rental while she's visiting, continue to be caretaker. Pay double rent. 2. Move out of the current arrangement and rent something. Do the...
by dad2000
Fri Oct 24, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11341
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