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Re: Subaru vs Mazda

I just bought a 2014 Forester about 6 months ago. My main reason for choosing that over the Mazda or Toyota was the safety rating. Consumer Reports and the IIHS rate the Forester as one of the safest cars on the road. It is one of the few that does well in the crash test where the impact is off-cent...
by dandan14
Sun May 04, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Subaru vs Mazda
Replies: 17
Views: 2591

Easy way to view graph of portfolio?

Does anyone know of an easy way to combine charts to get a daily/weekly/monthly view of a mix of symbols? For example, from time to time, i pull up Google Finance and look at Total Stock Market, Total Bond Market, Total International, etc. And in my head I think, ok -- i'm probably up a bit this mon...
by dandan14
Wed Apr 30, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Easy way to view graph of portfolio?
Replies: 3
Views: 347

Re: "Investing" in gift cards

I've played those sort of games in the past, but I don't think it is typically worth it. In this case, you'll have to pay off that $200 in the next billing period -- maybe before you need the gas. So you have to weigh the $10 profit against parting with your money earlier than you had to. Another po...
by dandan14
Sun Mar 30, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 2920

Re: Healthcare HSA Option with Pregnant Wife?

Is the HSA deductible per person or per family? (Mine has both a individual and a family deductible.)
If it is per person, there would be a possibility of some stuff being billed under your wife and some under the baby.
by dandan14
Wed Mar 26, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare HSA Option with Pregnant Wife?
Replies: 6
Views: 624

Re: Help me settle a debate -- Risk in Retirement

I live very well with little effort, and I am not willing to expend much energy to "improve my lifestyle", whatever that may mean. Dale, as someone nearly your age, I love this statement as it sums up my feelings exactly. If one has more than adequate assets, one reaches a point where cer...
by dandan14
Fri Mar 21, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Help me settle a debate -- Risk in Retirement
Replies: 61
Views: 4636

Re: Help me settle a debate -- Risk in Retirement

All the the suggestions are "right". None are "wrong". I don't see how you can "debate" something that is essentially a personal preference. That's what makes a good debate -- there is no "correct" answer that you can just go google. The debate is what makes ...
by dandan14
Fri Mar 21, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Help me settle a debate -- Risk in Retirement
Replies: 61
Views: 4636

Re: Help me settle a debate -- Risk in Retirement

Wow...I just checked on this thread for the first time since posting it. Glad to see so many responses. Funny to see the responses are pretty much the debate we've been having. :-) My gut feeling was to be 1/3, 1/3, 1/3 -- but honestly the more I thought about it the more I started to sway to the mo...
by dandan14
Fri Mar 21, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Help me settle a debate -- Risk in Retirement
Replies: 61
Views: 4636

Help me settle a debate -- Risk in Retirement

So I have an ongoing debate going with a friend over risk in retirement. I'd like to get input from the board. I won't tell you which side I'm on -- as I don't want to sway the comments. Here is the scenario: Let's say my wife and I make it to retirement as healthy spry 65 year olds. For the sake of...
by dandan14
Fri Mar 21, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Help me settle a debate -- Risk in Retirement
Replies: 61
Views: 4636

Re: reached "my number", struggling with asset allocation

I'd take a different approach. If you have reached 2x your "number" then why not protect that first half by utilizing ultra safe assets. (Perhaps TIPS, CDs, etc., that spin off the cash you need to live.) You may even need to increase it a little to make up for the lack of return (dependin...
by dandan14
Mon Mar 03, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: reached "my number", struggling with asset allocation
Replies: 11
Views: 1421

Re: taxes done and…why is my spouse working?

I have a similar situation. My wife was a kindergarten teacher making $40k per year.
With 2 kids, it made sense for her to stay home. With 3, it is now a no-brainer for her to stay home (both from a cost as well as a quality of care perspective).
by dandan14
Wed Feb 19, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxes done and…why is my spouse working?
Replies: 90
Views: 9147

Re: Home Equity as "Fixed Income" allocation

A house you live in produces imputed income (roughly equal to its rent) without regard to whether you have a debt. So if you own a 100000 house with a rental value of 500 per month you have imputed income of $6000 year minus certain costs. Any mortgage is just a debt. my point is that "equity&...
by dandan14
Mon Jan 20, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Home Equity as "Fixed Income" allocation
Replies: 41
Views: 1751

Re: Home Equity as "Fixed Income" allocation

I count the equity in my home as equity in my home. My assets comprise stocks, fixed income, and equity in my home. Me too. I don't get the whole let's pretend apples are oranges thing. Equity is a realtor fantasy your asset is the home , your liability is the debt Owning a home you live in creates...
by dandan14
Sun Jan 19, 2014 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Home Equity as "Fixed Income" allocation
Replies: 41
Views: 1751

Home Equity as "Fixed Income" allocation

As I weigh the merits of putting down a big (or small) down payment on a house we buy in 2014, I'm considering drawing down my fixed income to buy the house in cash. Curious if any of you count the equity in your home as part of your fixed income allocation. My brother, for example, owns his house o...
by dandan14
Sun Jan 19, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Home Equity as "Fixed Income" allocation
Replies: 41
Views: 1751

Re: Bank of Dad: calculate interest in google spreadsheet

Neat Idea. I just created for you.

https://docs.google.com/spreadsheet/ccc ... sp=sharing

You can set the rate at the top.
Insert a new row and enter a new date and amount. Then "fill down" the rest of the columns.
by dandan14
Sat Dec 21, 2013 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank of Dad: calculate interest in google spreadsheet
Replies: 11
Views: 1405

Re: Bogleheads favorite Task management App?

I'm a big fan of Asana.com. Very good. I use it every day for both work and personal tasks.
They also have a good mobile app.
by dandan14
Wed Dec 18, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads favorite Task management App?
Replies: 17
Views: 1371

Re: Fitbit group for Bogleheads

Cool. I need to do that.
by dandan14
Wed Dec 18, 2013 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Fitbit group for Bogleheads
Replies: 1
Views: 379

Re: Convert to Roth before YE distributions

I'm thinking of converting some of my TIRA Wellesley holdings at VG to a Roth. Does it make a difference taxwise if I do it before year end distributions are distributed? I'm thinking that since those distributions are reflected in the NAV, there should little if any difference in the taxable incom...
by dandan14
Tue Dec 17, 2013 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Convert to Roth before YE distributions
Replies: 3
Views: 232

Re: Recommend travel insurance

I haven't bought a whole lot of travel insurance, but I will tell you that Clark Howard typically recommends insuremytrip.com. I believe they are a clearing house for several companies so you can compare apples to apples.
by dandan14
Tue Dec 17, 2013 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommend travel insurance
Replies: 5
Views: 438

Re: What kind of Life Insurance do I need at age 57,please h

Now I have Diabetes and other Medical Problems(By the way, I was turned down for Long Term Care Insurance) and have discussed this with my agent. He sent me papers stating he will convert my present Term Life to a million dollar Universal Life Policy without any additional underwriting. In general,...
by dandan14
Tue Dec 17, 2013 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: What kind of Life Insurance do I need at age 57,please help
Replies: 10
Views: 1020

Re: Checklist for the Arrival of a Baby

Oh...and one more thing. Go ahead and order a few extra "certified" copies of her birth certificate. There are several times you need a certified copy -- like when taking baby on an airplane.
by dandan14
Sat Dec 14, 2013 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checklist for the Arrival of a Baby
Replies: 22
Views: 1826

Re: Checklist for the Arrival of a Baby

Good question. Believe me -- it gets less scary. Here are some things off the top of my head. Continue to live beneath your means. Now more than ever, money will seem to vanish. Get ready for a LOT of extra expenses. However, try to resist the temptation to buy every little thing that companies mark...
by dandan14
Sat Dec 14, 2013 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checklist for the Arrival of a Baby
Replies: 22
Views: 1826

Re: Bogle's basics: 12 letter strategy

I really like it.
In fact, it would make a great tshirt. :-)
by dandan14
Tue Dec 03, 2013 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogle's basics: 12 letter strategy
Replies: 8
Views: 1837

Re: N.Carolina 529 no longer state tax decuctible

plannerman wrote:I don't know about NC, but several states recapture the tax savings if you rollover a 529 plan to another state. It might be good to check the NC law.
plannerman


Sorry...can you (or someone) explain the recapture provisions? If I roll out of NC with penalties and credits in another state?
by dandan14
Mon Nov 25, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 18
Views: 1184

Re: N.Carolina 529 no longer state tax decuctible

The good news is that the state income tax in NC is dropping -- which is likely more valuable than the 529 deduction.
by dandan14
Mon Nov 25, 2013 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 18
Views: 1184

Re: N.Carolina 529 no longer state tax decuctible

This is news to me. When did they announce this? We just moved away from NC to OH -- so I could probably take a 529 deduction in either state this year since I've paid taxes in both. But if NC just cancelled the deduction -- then that solves that. Not sure what they're thinking. That really disincen...
by dandan14
Sun Nov 24, 2013 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 18
Views: 1184

Re: Online group meetings via web conference?

Since we do webex stuff at work all the time, it would be too much like being at work. :( Just make sure you have clear rules about "raising your hand" and the moderator calls on people and after the person has finished speaking that they say "Back to you, Dan, I'm done." Yeah.....
by dandan14
Thu Nov 14, 2013 4:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Online group meetings via web conference?
Replies: 6
Views: 1256

Online group meetings via web conference?

So one of the responsibilities in my new job is going to be to manage our virtual user groups. We had a meeting yesterday using webex. We had 100+ people in the conference and I recorded the audio and slides for those who couldn't join. It got me thinking about the potential for a bogleheads virtual...
by dandan14
Thu Nov 14, 2013 3:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Online group meetings via web conference?
Replies: 6
Views: 1256

Re: Cheapest way to move long distance

You might also want to check UBF (U-Pack). You fill up x number of feet in the truck and then they deliver it to you on the other side. We used nearly half the truck for a 500 mile trip and it was about $750. Not sure what it would be cross country. I also like the mini-van rental option. If all her...
by dandan14
Fri Oct 11, 2013 9:57 am
 
Forum: Personal Consumer Issues
Topic: Cheapest way to move long distance
Replies: 48
Views: 3367

Re: [Considering solar power] - How do these #s look?

On the maintenance question -- On my solar install, I've had 2 issues in 2 years, so they are definitely not maintenance free. One issue was that one of the micro-inverters went out. That was fixed under warranty -- no cost to me. The second issue was that a squirrel chewed through some wires. They ...
by dandan14
Fri Oct 11, 2013 9:51 am
 
Forum: Personal Consumer Issues
Topic: [Considering solar power] - How do these #s look?
Replies: 32
Views: 2166

Re: Buying New TV - What do I need?

I'd check consumer reports. I bought a tv for the basement a few months ago and figured I'd just get a cheap one at Walmart. What a difference it was between a cheap one and a good one. I took that one back and ordered a highly reviewed LG online. I've been very impressed with the LG.
by dandan14
Mon Sep 30, 2013 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Buying New TV - What do I need?
Replies: 26
Views: 1990

Re: Best way to collect rent?

I use erentpayment.com.
He won't know your checking account number. You setup your account on erentpayment and he sets up auto payments. I've been using it for about 8 months now and no complaints. They charge $3 per deposit.
by dandan14
Sat Sep 28, 2013 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Best way to collect rent?
Replies: 23
Views: 2006

Re: Apparently Linkedin doesn't like us very much. (funny)

leonard wrote:That's one strange URL to be clicking on.


Imgur is a very very very popular way to share an image.
Their page says they have 100 million unique visitors per month.

You should try it next time you need to share a screenshot. I use it all the time.
by dandan14
Thu Sep 26, 2013 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Apparently Linkedin doesn't like us very much. (funny)
Replies: 8
Views: 1454

Apparently Linkedin doesn't like us very much. (funny)

I searched linkedin for a bogleheads group. Notice what it suggested.

http://i.imgur.com/BqfeoJ1.png
by dandan14
Thu Sep 26, 2013 9:23 am
 
Forum: Personal Consumer Issues
Topic: Apparently Linkedin doesn't like us very much. (funny)
Replies: 8
Views: 1454

Re: 2nd Car for local driving-suggestions please

Safety is my #1 concern. So I was just looking up cars for myself and was trying to find some data on safest cars. One way to measure that is measuring how many people died per 1000 cars for each model. This is an interesting list put out by the IIHS covering data from 2006-2009. If I can buy a car ...
by dandan14
Wed Sep 25, 2013 1:18 pm
 
Forum: Personal Consumer Issues
Topic: 2nd Car for local driving-suggestions please
Replies: 35
Views: 2364

Re: Bogleheads, how do you search for a job?

One of the best sites I've found in addition to Linkedin is one called Linkup.com. The thing that makes linkup different is that it indexes jobs listed on tens of thousands of company websites and aggregates them. Indeed.com also does this -- although I think they index fewer places than linkup. Als...
by dandan14
Wed Sep 25, 2013 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, how do you search for a job?
Replies: 17
Views: 2118

Re: If you had a few weeks of downtime, what would you do?

This sounds a little crazy...but I bought a banjo yesterday. Excellent! That doesn't sound crazy to me at all. But then again, I'm in Nashville where everyone is required by law to play at least one instrument and/or be a songwriter. Anyway, you might want to check this out: http://artistworks.com/...
by dandan14
Wed Sep 25, 2013 10:37 am
 
Forum: Personal Consumer Issues
Topic: If you had a few weeks of downtime, what would you do?
Replies: 39
Views: 1938

Re: If you had a few weeks of downtime, what would you do?

Good ideas everyone. This sounds a little crazy...but I bought a banjo yesterday. I think it will be fun to watch some youtube videos and see what I can learn. I also like the "get in shape" ideas -- something I really really need to do. As I mentioned, travel is sort of off the table righ...
by dandan14
Wed Sep 25, 2013 9:23 am
 
Forum: Personal Consumer Issues
Topic: If you had a few weeks of downtime, what would you do?
Replies: 39
Views: 1938

Re: If you had a few weeks of downtime, what would you do?

thewizzer wrote:Travel, assuming you have the funds


I have the funds, but I also have kids and an 8 month pregnant wife. :-)
by dandan14
Tue Sep 24, 2013 8:01 pm
 
Forum: Personal Consumer Issues
Topic: If you had a few weeks of downtime, what would you do?
Replies: 39
Views: 1938

If you had a few weeks of downtime, what would you do?

If you had a few weeks of down time before starting a new job, what would you spend your time doing?
I'm just looking for some ideas so I don't squander this time.

Ideas:
Musical instrument
Learn a new skill. Ideas?
Online courses?

Just looking for some input.
by dandan14
Tue Sep 24, 2013 4:44 pm
 
Forum: Personal Consumer Issues
Topic: If you had a few weeks of downtime, what would you do?
Replies: 39
Views: 1938

Re: Shopping around for Term Life Insurance

I agree with using something like term4sale. Very easy to do apples to apples with term life.
by dandan14
Mon Sep 23, 2013 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Shopping around for Term Life Insurance
Replies: 2
Views: 499

Re: Tivo subscription monthly or lifetime

Maybe...but the other consideration is how long with Tivo even continue to be relevant? We're 100% streaming now -- and I suspect more and more people will go that way in the coming 2-3 years as streaming options become better and better.
by dandan14
Sat Sep 14, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Tivo subscription monthly or lifetime
Replies: 19
Views: 2393

Re: Help me save on my $130 cell phone bill

coachz wrote:I have never had a cell phone. Saves me a ton of money. But I also do my own haircuts for free.


Are you still paying for a landline? And long distance? If so...you'd be way better off with a cheap cell phone plan.
by dandan14
Sat Sep 14, 2013 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Help me save on my $130 cell phone bill
Replies: 34
Views: 3779

Re: Affording stay at home parent

There are really 2 parts to this calculation -- the monetary and the intangible. The monetary part is very easy to quantify. Run some calculations on your current savings and new savings rate with a stay at home spouse. Use a monte carlo calculator to figure out what this will do to your long term s...
by dandan14
Sat Sep 14, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 7346

Re: Three common cases of bad financial advice

I had to spreadsheet this to get a handle on it. Originally I was going to post that it played out about the same. That the increase in yields during the holding time of the bond made up for the decrease in sales price. However, after spreadsheeting it...it really does look less advantageous to hold...
by dandan14
Sat Sep 14, 2013 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Three common cases of bad financial advice
Replies: 26
Views: 3471

Re: Three common cases of bad financial advice

joe8d wrote:Along the same line, does anybody else get the "Jill on Money" radio show? Jill Schlesinger seems to provide very good advice.


absolutely. Download the podcast and you'll get it with no commercials. She seems to be right on target.
by dandan14
Sat Sep 14, 2013 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Three common cases of bad financial advice
Replies: 26
Views: 3471

Re: Three common cases of bad financial advice

Very insightful. I don't think the immediate annuity advice is on track. It is making the mistake of considering insurance as an investment instead of as a risk management tool. If you analyze insurance as an investment, you would never buy any insurance at all; it is always advantageous to the insu...
by dandan14
Fri Sep 13, 2013 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Three common cases of bad financial advice
Replies: 26
Views: 3471

Re: Same 529 Plan for second child?

Why even have separate accounts? I have 529 account in my name. When needed, it is easy enough to change the beneficiary of the account. Or, it may make sense to break it up when kid #1 goes to college.
by dandan14
Fri Sep 13, 2013 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Same 529 Plan for second child?
Replies: 6
Views: 491

Way to find lost insurance policy

My parents, now both retired, are reasonably sure they had a whole life policy with a cash value through my mom's work. But they can't find it. Is there a way to find something like that without calling every possible insurance company? Is there a national index of some sort? Since they are both sti...
by dandan14
Fri Sep 13, 2013 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Way to find lost insurance policy
Replies: 4
Views: 368

To-Do's in a lower income year?

It's looking like 2013 may turn out to be a lower income year for me than usual. We'll likely fall squarely in the 15% federal bracket. MFJ with 3 dependents. Can you guys think of things that I should take advantage of this year from a tax or investment perspective? For example, I will likely conve...
by dandan14
Mon Sep 09, 2013 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: To-Do's in a lower income year?
Replies: 2
Views: 557
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