Search found 521 matches

Go to advanced search

by dad2000
Tue May 19, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 4385

Re: How fast should I ride my bicycle?

I'll take a shot. A reasonably fit 40 year old, at 5'10" 170lbs, on a flat rail trail, on a decent road bike, on the drops, with little wind, should easily be able to average 16mph on a solo 20 mile ride after a season of training. If you are only averaging 14mph right now, I wouldn't spend a l...
by dad2000
Mon May 18, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 4385

Re: How fast should I ride my bicycle?

My suggestion is to find a beginner group ride with a local cycling group. Often times, your local bike shop will run one, or could otherwise point you to one. It varies some, but the beginner rides are usually around 20 miles, 12-14 mph, with flat to rolling terrain. You may find the beginner ride ...
by dad2000
Thu May 14, 2015 12:19 pm
Forum: Investing - Theory, News & General
Topic: At what point would you want "capped" indices?
Replies: 17
Views: 1253

Re: At what point would you want "capped" indices?

Whatever the size threshold is, it's likely to be a monopoly, and my belief is that the regulatory agencies would break it up before it got that big.

Also, I am a long time holder of small and value tilts, so I'm somewhat immunized to begin with.
by dad2000
Thu May 14, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Calculating Net Worth
Replies: 8
Views: 793

Re: Calculating Net Worth

I keep separate accounting of my retirement portfolio vs my net worth. I do include personal property and home equity in my net worth. Neither of these are included in my retirement portfolio, other than that there will be a one time bump to the portfolio when we downsize out of our current McMansio...
by dad2000
Thu May 14, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 4447

Re: Networth question

Home equity is included in my calculation of net worth.

It is not included in the calculation of my retirement portfolio, except for the projected net gain that I will achieve by downsizing out of the McMansion after the kids move out.
by dad2000
Tue May 12, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Questions on securing house during vacation
Replies: 11
Views: 786

Re: Questions on securing house during vacation

Are you in a high crime area? I've never bothered reinforcing the doors or windows more than they already are. If someone really wants to get in to your house, they will find a way. Is there no neighbor you can trust to keep an eye on things? I installed a couple of inexpensive wifi cameras in my va...
by dad2000
Mon May 11, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 3987

Re: Should I buy a lighter bicycle or lose body weight?

I wouldn't buy a carbon fiber bike just because it is 3 lbs lighter. IMHO, the main benefit of a *good* carbon fiber bike is that they are more comfortable on longer distance rides (2 hours+) because the frame softens road vibrations. The reduced weight of the frame will help you a little on climbs,...
by dad2000
Fri May 08, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: dishwasher service plan
Replies: 18
Views: 971

Re: dishwasher service plan

I recently replaced two reasonably new (5 year old) dishwashers because in my final estimation, they were poorly designed and built. I did not have a service contract, and kept them running by ordering parts and fixing them myself. Had I had a a service contract, I'm certain that things would have e...
by dad2000
Fri May 08, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Non traded REITs and indexed annuities
Replies: 49
Views: 2199

Re: Non traded REITs and indexed annuities

Do some searching in this forum and Google, and you'll find many horror stories about non-traded REITs. Any financial product that lines a saleman's pockets with large commissions will be a bad deal for the investor. Costs matter. The only reason that there might be perceived price stability from a ...
by dad2000
Tue May 05, 2015 7:07 am
Forum: Personal Consumer Issues
Topic: How are packages delivered to curbside mailboxes?
Replies: 31
Views: 2175

Re: How are packages delivered to curbside mailboxes?

We get more package deliveries from Fedex and UPS than from the USPS. In our neighborhood, they both bring the packages to the front door and ring the bell. If the package requires signature (infrequent) and we're not home, they leave a delivery notice. I don't think we've gotten anything from USPS ...
by dad2000
Mon May 04, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: How to clean spring mattress?
Replies: 12
Views: 692

Re: How to clean spring mattress?

If you don't have a machine, you could try scrubbing with a mixture of Hydrogen Peroxide, baking soda, and dish detergent.

I would use the sun to help with the drying, then use a mattress cover.
by dad2000
Wed Apr 29, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: LifeLock vs Freezing Credit Reports
Replies: 19
Views: 1364

Re: LifeLock vs Freezing Credit Reports

In addition to freezing your credit, take advantage of the annual free reports to monitor your credit. I space out my Experian, TransUnion, Equifax throughout the year so I can get fresh data every few months. Also get your ChexSystems as well. One more trick on the free reports... My reports all ha...
by dad2000
Wed Apr 29, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: LifeLock vs Freezing Credit Reports
Replies: 19
Views: 1364

Re: LifeLock vs Freezing Credit Reports

Dave Ramsey often says that credit card companies issue credit cards 70% of the time without checking your credit report which makes the credit freeze ineffective. I don't quite believe this, does anyone have any experience of having a credit freeze and someone else (or even you because you had a s...
by dad2000
Wed Apr 29, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 64
Views: 7595

Re: My new dishwasher doesn't clean

I had 5 year old mid-range dishwashers in my kitchen, but they were absolutely awful at cleaning, and were that way almost from day one. I also know many others who have had similar issues with most of the common brands Whirlpool, Maytag, Kenmore, Amana, Kitchenaid, Samsung, LG, etc. Most of these a...
by dad2000
Tue Apr 28, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: How to liquidate a bad REIT investment?
Replies: 22
Views: 1770

Re: How to liquidate a bad REIT investment?

It is sickening to me that non-traded REITs can even meet the "suitable" standard for unaccredited investors. Disclaimer: I don't know the secondary market for these well, but assume it must be somewhat efficient. Unless there is some tax reason to not take the loss this year (I don't know...
by dad2000
Tue Apr 28, 2015 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Merged accounts at Vanguard--cost basis info gone
Replies: 9
Views: 1395

Re: Merged accounts at Vanguard--cost basis info gone

Hmm, this doesn't sound good. I'll see what Vanguard says in reply to my e-mail. But the whole point of covered shares is that one's broker is responsible for reporting the cost basis to the IRS. So what would happen if I (hypothetically) decided to sell these shares today, as in what would Vanguar...
by dad2000
Mon Apr 27, 2015 3:54 pm
Forum: Investing - Theory, News & General
Topic: What I learned at my mandatory employee 403(b) info meeting
Replies: 52
Views: 5967

Re: What I learned at my mandatory employee 403(b) info meet

I'm calling BS as well. The IRS would not mandate employee participation in such a meeting. For most plans, the Department of Labor (through ERISA), does mandate that plan information and disclosures be communicated to plan participants. This sounded like a poor attempt at doing so, and more like a ...
by dad2000
Mon Apr 27, 2015 3:37 pm
Forum: Investing - Theory, News & General
Topic: Income estimate too optimistic with financial engines ?
Replies: 13
Views: 932

Re: Income estimate too optimistic with financial engines ?

I think they're too optimistic. We also don't know what annuity payout rates are going to be decades in the future. Changing life expectancies, interest rates, and other variables factor in. I augment the Financial Engines forecast with Firecalc projections. I run the projections two ways. First, wi...
by dad2000
Mon Apr 27, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Best way to heat 15x18 Office?
Replies: 10
Views: 1078

Re: Best way to heat 15x18 Office?

We are in Zone 5, and have a mini-split in our sunroom which can keep it comfortable for about 10 months of the year. I think that if you supplemented it with a little baseboard heat, you'd be all set. I'm not a big fan of using space heaters for extended periods of time.
by dad2000
Mon Apr 27, 2015 9:20 am
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 6249

Re: Another reason NOT to use (free) Wifi

When you carry a phone, you're being tracked. When you use websites, you're very likely being tracked. When you use a card to make purchases, you and your purchases are being tracked. When you use an E-Z Pass in your car, you are being tracked. When you use a transit pass on many public transportati...
by dad2000
Fri Apr 24, 2015 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes are killing me
Replies: 21
Views: 2948

Re: Taxes are killing me

Are you fully utilizing the easiest methods for deferring taxes like 401k, IRA, HSA, etc.?
by dad2000
Wed Apr 22, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What age did your Net Worth first equal 10,000x your Weight?
Replies: 48
Views: 3575

Re: What age did your Net Worth first equal 10,000x your Wei

Age 40. Age 44 if you add my wife.

I guess the next goal is to add in my kids, all of whom are still growing. Hitting this one will be next to impossible unless I starve them :)
by dad2000
Mon Apr 20, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Just got contact lenses. Should I buy backup glasses?
Replies: 22
Views: 1102

Re: Just got contact lenses. Should I buy backup glasses?

Yes, buy a cheap pair or two.

A family member recently got a case of the conjunctivitis and couldn't wear the contacts for more than a week. Having the glasses around made this less inconvenient.
by dad2000
Wed Apr 08, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: Bogle possible mistake? Discussion [on age-based portfolios]
Replies: 67
Views: 7009

Re: John Bogle possible mistake? Discussion

I can't speak for all BHs, but my portfolio/AA is not based on my age, but other factors, principally my ability to take risk, my need to take risk, and my tolerance of risk. BTW, for me, risk is the chance of catastrophic loss of principal, not volatility. In the first 10-15 years of my working car...
by dad2000
Tue Apr 07, 2015 8:49 am
Forum: Investing - Help with Personal Investments
Topic: 401k after retired
Replies: 16
Views: 2122

Re: 401k after retired

Anything between 40/60 and 60/40 sounds about right to me. If you are that worried about bonds, do a partial rollover to an IRA, then invest in a shorter duration (1-3 years) treasury fund. Personally, with your time horizon, I think the fund in your 401k would be fine. And a 401k may have better as...
by dad2000
Mon Apr 06, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Memorial Day Weekend - Cape Cod or Martha's Vineyard?
Replies: 20
Views: 1723

Re: Memorial Day Weekend - Cape Cod or Martha's Vineyard?

My 2 cents are that if you really want to explore the Cape, go there in the fall, after Labor Day. You'll probably want to get to the outer cape to see the National Seashore, Provincetown, etc. With the traffic and parking issues, you'd never be able to get there on the Memorial Day weekend without ...
by dad2000
Wed Apr 01, 2015 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and NEW Credit Cards
Replies: 12
Views: 956

Re: Credit Freeze and NEW Credit Cards

Unfreeze fees generally vary by state of residence and the creditor's age.

Check here: http://defendyourdollars.org/document/g ... protection
by dad2000
Tue Mar 31, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds Warning
Replies: 5
Views: 1078

Re: Index Funds Warning

If I understand Munger's comment correctly, he is concerned that corporate governance will deteriorate with the increase in passive investing, because the fund managers and shareholders of index funds don't typically get involved in governance. I don't think that has any impact on an individual BH w...
by dad2000
Tue Mar 31, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 71
Views: 8639

Re: Any other investors with 70/30 portfolio?

We are in mid-late 40s. On track to FI in 4-7 years assuming no employment or other unplanned shocks. Other than SS, we only expect small pension ($500/mo). Was 70/30 for many years until this January, when I lowered to 68/32. I am moderately tilted, so riskier than it sounds. I plan on reducing equ...
by dad2000
Mon Mar 30, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a [term] life insurance agent?
Replies: 4
Views: 656

Re: How to find a life insurance agent?

In my experience, if you are in good health, there isn't much nuance to purchasing term life insurance if you know the term and amount of coverage you want.

I simply picked the policy from the cheapest A+ rated insurer from term4life, and I did not get hassled in any way.
by dad2000
Sat Mar 28, 2015 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 51
Views: 5211

Re: If you had 1 book to recommend...

I often recommend Mike Piper's books (obliviousinvestor.com) to those who want answers but don't want to spend a lot of time reading. Most if not all of his books can be read in under an hour. As a general purpose reference, Jonathan Clements' "Money Guide 2015" is excellent. It's not expe...
by dad2000
Fri Mar 27, 2015 6:37 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Import Error from Vanguard: Who's Fault?
Replies: 16
Views: 1485

Re: TurboTax Import Error from Vanguard: Who's Fault?

Have you identified what went wrong with the import? Was it that a form that should have been imported wasn't, or was the data from a field/box omitted or incorrect? It's doubtful that either TT nor Vanguard are at fault since the filer is representing that the filing is correct, but the answers to ...
by dad2000
Thu Mar 26, 2015 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: A Vanguard transfer issue... Thoughts?
Replies: 12
Views: 1035

Re: A Vanguard transfer issue... Thoughts?

I'm only familiar with REIT funds. Why do you have to hold this REIT to maturity? My guess is that the sooner you get out from under Ameriprise, the sooner you'll see your portfolio start to bloom. I think the issue is that it is a non-traded REIT. I don't know much about non-traded REITs because e...
by dad2000
Tue Mar 24, 2015 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Please help ..hit with AMT
Replies: 10
Views: 1253

Re: Please help ..hit with AMT

Not sure if this will help your situation, but it reflects how I dealt with the issue. I now can do the Backdoor Roths each year (2 x $5500) without tax consequences since we are not eligible to take a deduction on IRA contributions. Before I got to this point, I had to deal with how to minimize the...
by dad2000
Mon Mar 23, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: Munis for Diversification?
Replies: 14
Views: 1428

Re: Munis for Diversification?

Isn't the purpose of diversification to reduce risk?

In your tax bracket, you can probably get the same or better yield with less risk by purchasing CDs, I-Bonds or other similar instruments.
by dad2000
Sat Mar 21, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7953

Re: The one area I disagree with Jack

This seems like semantics more than anything else. Social Security, pensions, and annuities are all basically forms of fixed income. But when talking to other people that claim to have a 50/50 AA, it's unlikely that they are counting SS as fixed income in their allocation. In the example you provide...
by dad2000
Fri Mar 20, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 3179

Re: New washing machine won't fit down basement steps.

How about this: http://www.bestbuy.com/site/equator-1-6-cu-ft-8-cycle-high-efficiency-compact-front-loading-washer-white/2998033.p?id=1219567191148&skuId=2998033 Height 33.5 inches Width 23.5 inches Depth 22 inches I assume you would rotate it so that the depth would squeeze through the 23"...
by dad2000
Fri Mar 20, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 6090

Re: Any situations car leasing makes sense?

Generally no, but I think it has to be evaluated on a case by case basis. I did lease a couple of cars about 15 years ago because at the time, the interest rates were low AND the particular models had artificially high residual values on the lease. The last few times I've purchased cars, the leases ...
by dad2000
Wed Mar 18, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Costco optical
Replies: 30
Views: 3464

Re: Costco optical

Their pricing is far better than anything else around me. I think that their frame selection is a little limited compared to the bigger chains, but if you find what you want, it's generally a good deal. As far as efficiency and such, I have no complaints. We order contacts over the phone, they come ...
by dad2000
Mon Mar 16, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Career Advice needed!
Replies: 20
Views: 2102

Re: Help! Career Advice needed!

Realtor can be a very volatile career path, and it takes time to build up connections. Franchising entails a lot of risk. While it's certainly possible to be successful with franchising, she already has more debt that she can afford. Assuming that she limits her list of potential careers to those th...
by dad2000
Sat Mar 14, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 5003

Re: Tourists in Manhattan

Stay in the city. You'll spend a little more, but having a centrally located place to go back to is important. I prefer midtown/Central Park to Times Square. You still get that Manhattan experience, but it's just greener/prettier/nicer. You'd still be able to walk to Times Square. #1 on your list sh...
by dad2000
Sat Mar 14, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Worried about neighbor's tree damaging my property
Replies: 16
Views: 2048

Re: Worried about neighbor's tree damaging my property

Is there a safety risk associated with this, or is there really just a risk of property damage? When you say a "large branch" fell, it tells me that there is more than just a risk of property damage. If it is a safety issue, contact your town public safety offices. There may be an ordinanc...
by dad2000
Sat Mar 14, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch says equal weighted index is better
Replies: 4
Views: 913

Re: MarketWatch says equal weighted index is better

I didn't read the article, but that argument has been made many times. Compared to a cap weighted index, an equal weighted index will have a higher concentrations of small cap stocks. If you know that the small cap premium will persist, then equal weight would be better, but it may be more efficient...
by dad2000
Fri Mar 13, 2015 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2983

Re: [Poll] How long did you hold primary residence mortgage?

Primary house paid off in 7 years into a 15.

Paid off the vacation home today, 2.5 years into a 5 year loan.

I'm debt free for the first time in 20 years. It feels good.
by dad2000
Fri Mar 13, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Corporate America: Procedure/Process to get Fired
Replies: 9
Views: 1008

Re: Corporate America: Procedure/Process to get Fired

In my experience, it varies by company. But larger and more mature companies are more likely to have well defined and followed hiring/termination processes. You'll want to find such an employer. On the other hand, when cost cutting measures are implemented, you may be let go with no notice. I have s...
by dad2000
Wed Mar 11, 2015 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 5509

Re: Bonus received. But its not what was agreed upon. Advi

My 2 cents... Be happy that you came out ahead $2500, and just move on. $500 is irrelevant in the grand scheme of things, and focusing on the new job instead of dwelling on the past will be more productive.
by dad2000
Tue Mar 10, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 28144

Re: Will you buy an Apple Watch?

I have no need for an expensive watch that can't last 24 hours without a charge, nor one that I'd have to worry about protecting from the elements. IMHO, the biggest innovation that anyone could make would be in the area of battery life and power management. If someone could get the new smartphones ...
by dad2000
Sun Mar 08, 2015 6:41 pm
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 3268

Re: Home workouts and motivation

I also hate working out indoors, but with the harsh winter, haven't had much of a choice. You can actually get a pretty decent workout indoors without a lot of equipment. I bought a core ball ($9) to work the midsection. You can get a lot done using loop resistance bands ($10-15) around wrists, knee...
by dad2000
Fri Mar 06, 2015 4:57 pm
Forum: Personal Consumer Issues
Topic: Aruba in April
Replies: 10
Views: 753

Re: Aruba in April

I've been there a few times. Some random recollections: The high rise area was busy and had more activities. The low rise area was more relaxing but with fewer activities. We've stayed in both. The island is pretty safe as long as you don't go looking for trouble. You probably don't need a car for a...
by dad2000
Fri Mar 06, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 49
Views: 3277

Re: Which 529 plan are you using?

Vanguard Nevada
Utah UESP (for a few DFA funds)
I don't live in either state.

Go to advanced search