Search found 552 matches

by dad2000
Wed Aug 26, 2015 5:53 pm
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 2942

Re: washing machine [Recommendations for]

My recent experience with appliances is that there is an inverse relationship between reliability and efficiency/technology. I bought my first house 20 years ago and traded up about 10 years ago. My original 20 year old Maytag washer & dryer, as well as Kenmore (made by Whirlpool) refrigerator a...
by dad2000
Mon Aug 24, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: "There’s No Need to Fear Stock Market Corrections"
Replies: 15
Views: 2491

Re: "There’s No Need to Fear Stock Market Corrections"

Thanks Taylor. Now that I'm within a decade of retiring, I consider the last few trading days (and in particular this morning) a good opportunity to gauge my *actual* risk tolerance. My only reaction was to check for opportunities to tax-loss harvest this morning, but considered no other action. So ...
by dad2000
Fri Aug 07, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re unrealized gains
Replies: 7
Views: 541

Re: Advice re unrealized gains

If your sole reason for selling is related to the 200 day moving average, then we would almost unanimously say it's a bad idea. If you are considering selling so that you can rebalance back to your AA, that would be a better reason. But the more tax efficient way to rebalance might be to shift asset...
by dad2000
Fri Aug 07, 2015 10:52 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 119
Views: 10635

Re: Credit Risk of Annuities

Here is an assessment of credit risk of SPIA's and some other annuities: http://www.advisorperspectives.com/articles/2012/08/14/how-safe-are-annuities This was an excellent article, thanks for sharing. Seems to me that buying SPIAs by chunks of $200k, from distinct and well-renowned insurers does m...
by dad2000
Thu Aug 06, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Browsers and Security - a question
Replies: 12
Views: 1474

Re: Browsers and Security - a question

For those who are curious, there are sites that will rate the SSL security of a website. One of the more popular ones is this: https://www.ssllabs.com/ssltest/ Please note that this is only an assessment of the site SSL security, and not necessarily a proxy for the overall cybersecurity strength of ...
by dad2000
Wed Aug 05, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard account question - Rollover IRA and Roth IRA
Replies: 5
Views: 239

Re: Vanguard account question - Rollover IRA and Roth IRA

Perhaps it's semantics, but I think that for the older (prior to 2014 tax year) contributions, "recharacterize" is the wrong term. I think they would be a conversion. And because you deducted the original contributions, the entire conversion amount (contribution, cap gains, reinvestments) ...
by dad2000
Wed Aug 05, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard account question - Rollover IRA and Roth IRA
Replies: 5
Views: 239

Re: Vanguard account question - Rollover IRA and Roth IRA

My best guess is that you would have to perform a Backdoor Roth to make it the way you intended. You may be able to recharacterize the most recent contribution until October 15. If you received the IRA contribution deduction for those previous contributions, then you'd have to look at the tax conseq...
by dad2000
Tue Aug 04, 2015 7:40 pm
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 119
Views: 10635

Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

http://www.advisorperspectives.com/arti ... portfolios

They look good in theory, but I still struggle with the credit risk vs Treasuries, even with the state guarantees.
by dad2000
Mon Aug 03, 2015 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Company changing 401k plans, roll-over to IRA?
Replies: 6
Views: 502

Re: Company changing 401k plans, roll-over to IRA?

I would suggest calling Vanguard to work through the details.

When I went did my rollover, Vanguard created an account called "Rollover IRA", which was separate from my other IRA & Roth accounts. But that was several years ago.
by dad2000
Thu Jul 30, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: How has the 4% rule held up since the tech bubble and the 2008 crisis
Replies: 45
Views: 6646

Re: How has the 4% rule held up since the tech bubble and the 2008 crisis

If I understand the 4% rule correctly, you calculate you initial annual withdrawal amount (in dollars) as 4% of your portfolio. You then adjust the dollar amount up for inflation each year. I (and I suspect many people) won't really spend this way, so why should we care? I'm more interested in VPW. ...
by dad2000
Mon Jul 27, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Need a Piece of Evidence on the Boglehead Strategy
Replies: 34
Views: 2919

Re: Need a Piece of Evidence on the Boglehead Strategy

I know there have been some reading recommendations. I thought I'd throw in a video alternative. Though it's not the overall best documentary on the subject, there is a segment at around 23:30 with Jason Zweig followed by John Bogle that gets the point about fees and active management across: http:/...
by dad2000
Thu Jul 23, 2015 8:41 pm
Forum: Investing - Theory, News & General
Topic: Boglehead portfolio in a negative interest rate environment
Replies: 18
Views: 2067

Re: Boglehead portfolio in a negative interest rate environment

I would be thankful that I have a significant amount of my fixed income ($160k) in I-bonds, and probably not change much.
by dad2000
Wed Jul 15, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 4109

Re: Are the more expensive bikes worth paying for?

I would never buy from a dept store, as they generally sell junk that is poorly assembled. As others have suggested, check out the local bike shops. Find a clearance bike that fits you well. You will find something suitable for $500. In your price range, I wouldn't necessarily target a specific bran...
by dad2000
Thu Jul 02, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: What is the Duration of Your Bond Portfolio? And Why?
Replies: 61
Views: 5712

Re: What is the Duration of Your Bond Portfolio? And Why?

Probably around 4.5. I have 60% VBTLX, 20% VWITX, 20% I-Bonds. I assume I-Bonds to have duration ~0.

Why? I look to bonds for stability, so I keep the quality high and the duration short/intermediate. If I take risk, it's with equities.
by dad2000
Tue Jun 30, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 113
Views: 11955

Re: TIPS - Did you give up?

I've never owned TIPS, but I have been buying $40K in I-Bonds annually. It's a way of extending my tax-advantaged space. They represent about about 20% of my retirement bond allocation (7% of retirement portfolio).

I haven't purchased yet this year, hoping that the fixed rate increases from 0.
by dad2000
Tue Jun 30, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 135
Views: 10975

Re: Obsessing towards zero balance on credit card.

Though I used to simply pay my bill in full each month, a FICO report once indicated that my score was lowered because my daily average balance was high. So I got in the habit of paying on my most used card 2-3 times per month. I certainly never added up unposted transactions in an attempt to get to...
by dad2000
Mon Jun 29, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Being Mr. Bogle's Company has 3 Trillion Dollars
Replies: 15
Views: 2182

Re: Being Mr. Bogle's Company has 3 Trillion Dollars

Perhaps a fair comparison is Fidelity, with almost $2T AUM. The founding Johnson family has a reported net worth of about $40B.

However, it's almost a certainty that Vanguard wouldn't be as large as it is had Bogle structured it more traditionally.
by dad2000
Fri Jun 26, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Market dynamics different now
Replies: 1
Views: 399

Re: Market dynamics different now

If the comfort offered by these "stupid controls" influences your asset allocation decisions, I would ask you if these same "stupid controls" were in place prior to the big collapse of 2008? Perhaps Fed policy is creating a bubble like we had with real estate, or maybe it's not. ...
by dad2000
Fri Jun 26, 2015 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Do I need "own occupation" on LTDI?
Replies: 13
Views: 1288

Re: Do I need "own occupation" on LTDI?

Couldn't suffering a brain injury create this scenario? I guess I have a hard time picturing a brain injury severe enough to impact my ability to be a developer or manager and yet still leave me able to work. All I can say is that it happens. I know someone who had a high-paying white collar job wh...
by dad2000
Fri Jun 26, 2015 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Do I need "own occupation" on LTDI?
Replies: 13
Views: 1288

Re: Do I need "own occupation" on LTDI?

Couldn't suffering a brain injury create this scenario?
by dad2000
Wed Jun 24, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28327

Re: What ratio are you stocks/bonds and how old are you?

68/32
age 49, target retirement 55.
Decreasing equities by 2% annually.
by dad2000
Thu Jun 18, 2015 6:31 am
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 7056

Re: How much do your children cost per month?

This thread is great birth control. It certainly reaffirms my decision to put off having kids for a while. Slightly off topic, but your decision seems to be consistent with a growing trend. While we are finally out of a baby "recession", birth rates for young mothers have been decreasing,...
by dad2000
Wed Jun 17, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 7056

Re: How much do your children cost per month?

3 kids, 4th-7th grade right now. Public school. About $50k/year if I exclude certain costs like the bigger car, bigger house, higher utilities, etc.

Sports/Camps: $17k
Food: $10k
Travel: $8k
Childcare: $7k
Shopping: $5k
Healthcare/Dental: $3k
by dad2000
Fri Jun 12, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - Less than meets the eye
Replies: 56
Views: 6528

Re: Long term care insurance - Less than meets the eye

I'm sure that this has been beat to death, but the current LTCI plans make little sense to me. I insure against low-probability/high-ruin type events because it is relatively inexpensive to do so. With so many of us projected to need LTC, there can't be much value in plans that have a short waiting ...
by dad2000
Fri Jun 12, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: identity theft continued
Replies: 11
Views: 1709

Re: identity theft continued

Don't just consider this in isolation. ID theft perpetrators typically work in bulk. Perhaps there is a theft network with an operative in your area, and they do drive around stealing the mail. You happen to be less vulnerable because you have a mail slot, but they may not have known that when they ...
by dad2000
Wed Jun 10, 2015 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 101
Views: 11405

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

I went from a reasonably large firm to a startup with lottery ticket type risk, but this was before we had kids. We chose to defer having kids for a few years because the demands were so great. We are financially well off now, but it's been tough at times. I wish I could have traded some of the mone...
by dad2000
Wed Jun 10, 2015 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Does VWITX = VBTLX
Replies: 4
Views: 449

Re: Does VWITX = VBTLX

I don't have enough room in my tax-advantaged accounts for my tax-inefficient holdings (bonds, REITs, etc.), so I do hold some Tax-Exempt in taxable. If you have enough room in tax-advantaged, or if your marginal tax rate isn't high, then there may not be a big reason to hold VWITX. I also like hold...
by dad2000
Wed Jun 10, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1805

Re: Rent a bike in SF, ride to LA, and drop it off?

I think I'd consider it if you could bundle it with a couple of things: 1. Some sort of emergency roadside assistance/insurance... not for flats and such, but major mechanicals or accidents. I assume you'd be plotting the Big Sur route, and though it's been many years, my recollection is that there ...
by dad2000
Fri Jun 05, 2015 2:45 pm
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 145
Views: 14902

Re: Dual Momentum Investing

I noticed a lot of activity on this thread, and decided to see what the commotion was about, so I checked out the ebook and read it last night. Interestingly, I once was employed by the author back in the 1980s when he ran his commodities business, but haven't heard his name since then. The book its...
by dad2000
Tue May 19, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: How fast should I ride my bicycle?
Replies: 64
Views: 5222

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: 5222

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: 1395

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: 875

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: 4976

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: 899

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: 4701

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: 1066

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: 2684

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: 2876

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: 805

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: 1632

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: 1632

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: 77
Views: 10591

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: 2117

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: 1592

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: 6539

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: 18
Views: 1786

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: 1308

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.

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