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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 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 153
Views: 12630

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 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What savings vehicle should I use for my car?
Replies: 35
Views: 1425

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 5:02 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 23
Views: 1679

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 12:34 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 23
Views: 1679

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 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are we really in the 0% bracket?
Replies: 32
Views: 3736

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 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 21
Views: 1304

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 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6966

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 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring without any additional investments for 25 years
Replies: 20
Views: 2818

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 9:42 am
 
Forum: Investing - Theory, News & General
Topic: new interesting piece by Asness on hedge funds
Replies: 26
Views: 2182

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 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10605

Re: question re. capital gains tax on "mandatory exchange"

This isn't official from the IRS, but otherwise seems to answer your question: https://ttlc.intuit.com/questions/14608 ... e-of-stock
by dad2000
Thu Oct 23, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: question re. capital gains tax on "mandatory exchange"
Replies: 5
Views: 455

Re: How did you buy your largest home?

Bought a $210k home with $50k down in 1997, sold it for $420k in 2003. I rolled the equity (about $270k) into an $800k+ home. I was able to refinance several times and paid it off. Having decent equity in the home from the beginning gave us the flexibility to refinance and minimized the stress level...
by dad2000
Wed Oct 22, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2650

Re: Gross Yearly Income needed in Retirement (Speculation)

Will likely settle in a high cost of living area because we like the ocean.

Post tax:
$70K essentials
$50K discretionary
by dad2000
Tue Oct 21, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12454

Re: Kids & Sports

This isn't addressing the potential physical issues, but more the mental side and the tentativeness. Some kids prefer individual sports to team sports because they don't have that natural aggression to the ball that sports like soccer or basketball require. Have you considered other individual sport...
by dad2000
Fri Oct 17, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2311

Re: Target Date Funds

There is generally nothing wrong with target-date retirement funds as long as the fees are low. They may not result in the best tax-efficiency for individuals with significant assets in both taxable and tax-advantaged accounts. As has been said in other posts, you are better off choosing a target-da...
by dad2000
Fri Oct 17, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds
Replies: 4
Views: 554

Pimco vs. Jack Bogle on active management of bonds

http://www.pimco.com/EN/Insights/Pages/ ... ongly.aspx

Not much new in terms of the arguments. Perhaps the outflows into bond etfs are getting to them...
by dad2000
Fri Oct 17, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco vs. Jack Bogle on active management of bonds
Replies: 18
Views: 1992

Re: How did you get from $1M to $10M

I have to assume that you are referring to $10M in today's dollars absent any other information. In that context, I found $1M fairly easy to get to, but would find $10M almost impossible to get to while still enjoying life. Echoing others, very few people here need $300-400K for annual retirement ex...
by dad2000
Thu Oct 16, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4056

Re: What are you up YTD?

+2.66%. AA is about 68/32, but the 68% includes tilting and slice/dice with foreign, reit, sv, ccf.
by dad2000
Wed Oct 15, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 153
Views: 12630

Re: Crazy asset-based fees in my 401K!

This is where size matters :D Do you know the size of your 401k plan (essentially Assets Under Management)? If it's under $10M, then the .95% wrapper probably puts your average ER in the 1.5% range, which would be fairly normal for a small plan by industry standards. If your plan is much larger than...
by dad2000
Tue Oct 14, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2493

Re: Gross microwave post

The interior coating of the microwave is probably acrylic enamel that has started peeling. This isn't an uncommon problem.

It is possible to recoat it with Microwave Cavity paint, but the safest thing to do is to replace it.
by dad2000
Mon Oct 13, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: microwave [inner surface problem]
Replies: 4
Views: 474

Re: Asness/AQR - Smart Beta Not New, Not Beta, Still Awesome

Try this: https://www.aqr.com/cliffs-perspective/ ... ll-awesome

Asness is a great writer, and I like his approach. But the multifactor fund is way too expensive by Boglehead standards.
by dad2000
Tue Oct 07, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Asness/AQR - Smart Beta Not New, Not Beta, Still Awesome
Replies: 2
Views: 434

Re: Question about popularity of HSAs

HSAs are limited by a list of eligible/ineligible expenses. 401K/IRA withdrawals are mostly limited by your age. I think most here would prefer to fill the 401K & IRA first because of the flexibility down the road. In retirement HSAs can pay for Medicare Part B Premiums and LTCI. They can also ...
by dad2000
Wed Sep 17, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about popularity of HSAs
Replies: 23
Views: 1417

Re: Question about popularity of HSAs

HSAs are limited by a list of eligible/ineligible expenses. 401K/IRA withdrawals are mostly limited by your age. I think most here would prefer to fill the 401K & IRA first because of the flexibility down the road. Also, IRAs and 401Ks, on average, have better investment choices than do HSAs. I ...
by dad2000
Wed Sep 17, 2014 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about popularity of HSAs
Replies: 23
Views: 1417

Re: Cape Cod; where to go and what to do?

Mostly reiterating what others have said, though my preference is for the mid to outer Cape: Definitely rent bikes for a day. The designated bike trails (Shining Sea included) are easy, even for casual riders. Strongly encourage a day trip to Ptown. Check out the Pilgrim Monument. Along the way, the...
by dad2000
Wed Sep 10, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Cape Cod; where to go and what to do?
Replies: 13
Views: 1050

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: 2518

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: 94
Views: 11951

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: 4477

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: 1663

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: 4477

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: 1753

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: 586

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: 1629

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: 2848

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: 5804

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: 795

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: 1122

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: 1936

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: 1244

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: 4016

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: 2790

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: 1385

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: 1768

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: 3541

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: 15709

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: 831

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: 2183

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: 10252

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: 7360

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: 9886

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: 9547
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