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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
Thu Mar 26, 2015 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Vanguard transfer issue... Thoughts?
Replies: 8
Views: 458

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
Tue Mar 24, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help ..hit with AMT
Replies: 10
Views: 1172

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
Mon Mar 23, 2015 9:09 am
 
Forum: Investing - Theory, News & General
Topic: Munis for Diversification?
Replies: 14
Views: 1294

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
Sat Mar 21, 2015 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7241

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 3:36 pm
 
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 2777

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
Fri Mar 20, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 4883

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
Wed Mar 18, 2015 11:19 am
 
Forum: Personal Consumer Issues
Topic: Costco optical
Replies: 30
Views: 3145

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
Mon Mar 16, 2015 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Career Advice needed!
Replies: 20
Views: 1934

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 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4437

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 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Worried about neighbor's tree damaging my property
Replies: 16
Views: 1873

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
Sat Mar 14, 2015 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: MarketWatch says equal weighted index is better
Replies: 4
Views: 858

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 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2669

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
Fri Mar 13, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate America: Procedure/Process to get Fired
Replies: 9
Views: 944

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
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: 5050

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
Tue Mar 10, 2015 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15853

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
Sun Mar 08, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 2802

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 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Aruba in April
Replies: 10
Views: 662

Re: Which 529 plan are you using?

Vanguard Nevada
Utah UESP (for a few DFA funds)
I don't live in either state.
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: 2849

Re: What is your credit score?

I only have my FICO nextgen: 865.
by dad2000
Wed Mar 04, 2015 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 4478

Re: Preventing IRS Fraud

The major weaknesses in the filing system are on the IRS side of the equation. It's certainly worth taking the simple steps in protecting your identity like credit freezes and minimizing your internet data footprint, but until the IRS improves their system, the problem can't be solved by the taxpaye...
by dad2000
Wed Feb 25, 2015 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: [Protection against fraudulent IRS tax returns]
Replies: 39
Views: 1730

Re: How much did you have saved up for retirement at age 30?

$15K in 2015 dollars at age 30. Now almost 20 years later, $3M. Hope to achieve FI and retire in 6-8 years.

I agree with Emergdoc about focusing more on your human capital and saving early on. The payoff for me came in my late 30s.
by dad2000
Tue Feb 24, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 12992

Re: Health Insurance Debacle, need advice...

While I don't know enough to determine who is legally at fault, my opinion is that OP (or his wife) should have better processes. A simple quarterly reconciliation of expenses vs budget would have picked this up much sooner. Just last week, I switched my auto insurance to USAA, who required that our...
by dad2000
Wed Feb 18, 2015 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Debacle, need advice...
Replies: 35
Views: 2712

Re: Food of the Fifties

Slightly off topic, but this thread reminded me of some comfort food restaurants that my parents took us to back in the day.

My favorite was this one: http://www.oldlarestaurants.com/ontra-cafeteria/
by dad2000
Sat Feb 14, 2015 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11645

Re: Car issues. [2009 Cadillac CTS - fix or sell]

We had a new Cadillac from that era. It was by far the worst car we ever owned. Fortunately, I got rid of it at 25K miles without taking much of a financial hit because it was a year-end holdover. The engine burning oil is a common problem and only gets worse. The sunroof leak is common as well... I...
by dad2000
Thu Feb 12, 2015 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 3598

Re: Where is John C. Bogle's Presidential Medal of Freedom?

I signed it. I'm posting so as to bump this back to the top.

All, please sign and promote: https://petitions.whitehouse.gov/petiti ... m/tMKz5zyh
by dad2000
Wed Feb 11, 2015 12:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11526

Re: This CPA is advocating snail-mail over e-file for taxes

That doesn't make sense. Why wouldn't the whole return be scanned and if even it isn't OCR'd, it could still be stored as something like a .pdf, accessed and, if necessary, printed by anyone with access to the electronic file. And, if you are scanning, why not OCR the whole document. Many governmen...
by dad2000
Sat Feb 07, 2015 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: This CPA is advocating snail-mail over e-file for taxes
Replies: 55
Views: 4047

Re: Alternatives to Radio Shack?

I usually use Amazon.

Depending on where you live, there may be retail alternatives. For example, this store isn't too far from me and has far more variety than Radio Shack: http://www.youdoitelectronics.com/
by dad2000
Thu Feb 05, 2015 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2933

Re: Vanguard survey: what should they do differently?

Disclose executive pay
Implement better technology
Complete their brokerage merger more quickly

And I wouldn't want any one company to become too powerful, but it would be nice if someone could bring Vanguard-like costs/values to the insurance/annuity industries.
by dad2000
Wed Feb 04, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4290

Re: Seeking advice on learning computer science

It seems that you are interested in application development (programming), and not computer science. I think your local community college is more vocational in nature, and the curriculum is steering kids into entry level support jobs. When I went to school, Pascal, C++, and assembly were the languag...
by dad2000
Wed Feb 04, 2015 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1936

Re: financial "Reset"

From a tax-liability standpoint, it will be easy to clean up this portfolio quickly because your taxable space is mostly cash or equivalents. I'm confident that your Vanguard advisor will steer you down the right path. I would get out of the individual stocks ASAP, as they are just more risky than i...
by dad2000
Sat Jan 31, 2015 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial "Reset"
Replies: 10
Views: 2180

Re: The lowest stock allocation you plan to stay with

In my late 40s and had stuck to 70% for more than a decade, just lowered to 65% this year. Hope to retire in 8-10 years.

My initial equity allocation in retirement will likely be 40%, possibly 50% if the market is cheap. It will then glide up over time, but no higher than 70%.
by dad2000
Fri Jan 30, 2015 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4474

Re: Thoughts on DFA equities?

I'm sure that opinions will vary. I'm fine with their fund construction methods and expense ratios, but am not willing to pay a significant advisor fee to access them. I have a decent sum of money invested in 529s, and I do access a few of the DFA funds through UESP to tilt to small value. The funds...
by dad2000
Thu Jan 29, 2015 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on DFA equities?
Replies: 19
Views: 1848

Re: What is your BMI?

My BMI ranges from 24-25 so I am often on the verge of being overweight by BMI standards. On the other hand, I cycle thousands of miles per year preparing for and participating in endurance events, and have only been referred to as thin, but never fat. My resting heart rate and BP are also indicativ...
by dad2000
Thu Jan 29, 2015 9:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 2187

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: 8273

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: 779

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: 743

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: 1742

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: 6886

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: 2612

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: 2678

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: 2914

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: 2914

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: 2914

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: 2863

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: 2105

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: 1068

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: 2790

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: 6845

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: 8464

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: 1877
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