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Re: Misleading information on tax loss harvesting wiki artic

http://www.bogleheads.org/wiki/Tax_loss_harvesting "First, tax losses represent an interest-free loan that defers capital gains taxes you would otherwise owe into the distant future, and can even eliminate them entirely when you die " My understanding of tax law is that statement is highl...
by david99
Thu Jul 31, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 34
Views: 1286

Re: Public Speaking-help

I agree that you should try to focus on your audience -- what do they want?, what are their interests? why are they there? Try to engage the audience and have them ask questions. You won't be so nervous if you focus on your audience. Also, have major talking points but do not memorize the speech ---...
by david99
Mon Jul 28, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 74
Views: 3764

Re: Have you quit your job because of your boss?

When I worked as an engineer for the government it was easy to transfer to another department ---- it might be different now.
by david99
Wed Jul 16, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7164

Re: Easy careers to last me to retirement?

Why don't you see a vocational counselor --- it might be money well spent if you find a job that is palatable and keeps you going until you are ready to retire.
by david99
Wed Jul 16, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13740

Re: But why not 100% stock index fund?

I would wait for the next crash to go 100% stocks ---the first few months of 2009 would have been a great time to go 100% stocks.
by david99
Wed Jul 16, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7129

Re: Likely about to lose job, planning for transition

I agree that COBRA is VERY expensive. I found it much cheaper to get insurance on my own.
by david99
Wed Jul 16, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2638

Re: Moving From Bonds Into Stocks

I am doing a 60/40 stock and bond allocation via my 401(K) and plan on staying the course. But hypothetically speaking, let's say that tomorrow we had a 40-50% correction in equities. Would it be foolish to move that 40% I have sitting in a bond fund into the stock portion and buying all of those e...
by david99
Tue Jul 15, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What To Do During A Correction In Stocks?
Replies: 31
Views: 3691

Re: Have you quit your job because of your boss?

You can usually transfer to another department with the federal government. I think that you should try to transfer to another department or group. And you might find more interesting work in another department. Also, look up some information on how to deal with a difficult boss --- there must be so...
by david99
Mon Jul 14, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7164

Re: Who do you talk with about your financial goals?

I don't discuss my financial goals with anyone. If I want feedback or help, I would post it here. Talking about finances with people can get you in trouble --- such as people asking you for money, jealousy,...
by david99
Mon Jun 30, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9082

Re: Personal Life subforum?

I say that we give it a try for two or three months and see how it works. If it turns out that it's not working out, then we stop it. If it works well for the first three months, then we continue for another few months. So it would be done on a trial basis for the first six months.
by david99
Fri Jun 20, 2014 8:37 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4711

Re: What's your number?

I don't really have a number. I just plan to keep working till 60 if I can and then work part time in my 60s. Hopefully I can stay employed and productive in my 50s. If not I will just live off what I have and probably move to an area with a lower COL.
by david99
Fri Apr 25, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31479

Re: "Protecting Your Portfolio From Old Age"

Mike recommends "hiring somebody to manage your portfolio" but how do you know that the person or firm that you are hiring is going to do a good job or not rip you off. Also the person or people that you hire to manage your money have to be under fifty. If they are over fifty, then their c...
by david99
Fri Mar 28, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: "Protecting Your Portfolio From Old Age"
Replies: 19
Views: 2265

Re: The Gecko cost me a lot of $. How often to switch car in

GEICO was the cheapest insurance in my area (Massachusetts) but they don't offer umbrella liability in Mass. My current insurance co. offers auto and umbrella liability -- so it's convenient to get it all with one company.
by david99
Sat Feb 08, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7952

Re: What will Penfed's February CD rates be?

Maybe we will have to wait until December for the next great CD offer from PF?
by david99
Sun Feb 02, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: What will Penfed's February CD rates be?
Replies: 5
Views: 1364

Re: High Umbrella Limits - A waste

The fact that umbrella liability is inexpensive makes me think that it isn't used too often. On the other hand, since it is inexpensive, we should all have it -- at least to cover our net worth and then some. Also, the insurance company is more likely to agree on a settlement than to let it go to a ...
by david99
Sun Jan 26, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Umbrella Limits - A waste
Replies: 77
Views: 7779

Re: Age in Bonds - Who Follows a Different Strategy?

Seems most folks here are more aggressive than that. Median seems to be closer to age-15 in bonds. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=125674 (Fall 2013) http://www.bogleheads.org/forum/viewtopic.php?p=1224012#p1224012 (allocations in 2007 and 2011) I have my age-15 in bonds.
by david99
Sun Jan 26, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 6974

Re: What Bond Fund do You Invest In?

For fixed income I use: Intermediate Term Investment Grade, Total Bond Mkt., Stable Value Fund (through work), and CDs
I like to spread my investments out a bit so if one fund takes a big hit it won't feel so bad.
by david99
Sun Jan 26, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: What Bond Fund do You Invest In?
Replies: 43
Views: 2753

Re: Tried to get credit report - security questions don't ma

I had the same problem when I tried to get my free credit report with Equifax online ( http://www.annualcreditreport.com). So I called the number for the free annual credit report (877-322-8228) and they are sending the Equifax and Transunion report in the mail. You can get your free annual credit r...
by david99
Wed Jan 22, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 54
Views: 8516

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday, Taylor!

Thank you for your advice and words of wisdom. You've been of great help to many people on this forum.

Best Wishes,
David
by david99
Wed Jan 22, 2014 10:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 22144

Re: The PenFed Craze

You don't have to pay a fee to join Pen Fed. You can become a member for free if you've donated blood to the American Red Cross. They also have other ways you can become a member for free.
by david99
Wed Jan 22, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: The PenFed Craze
Replies: 32
Views: 4971

Re: Umbrella Policies

I've heard that you should get twice your net worth in UL coverage. It's rather inexpensive so I imagine that it is not used that often. I think that I pay around $150 per million.
by david99
Fri Jan 03, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policies
Replies: 24
Views: 1737

Re: Investing in Physical as well as Financial Health

I agree --- it's real important to focus on health. I improved my diet recently and started jogging. I really enjoy the jogging and hope that I can do it for a long time. I think that the change in diet helped --- I'm eating better and I have more energy for exercise.
by david99
Thu Jan 02, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Investing in Physical as well as Financial Health
Replies: 39
Views: 2705

Re: New PenFed CD rates!

I was told by a Pen Fed customer service rep that the 3%, 5 year CD would be extended until the end of January. I got a 3% five year CD in December and I plan to get another one in January. There doesn't seem to be any point in getting a 7 year CD since rates are low and will probably go up. Happy N...
by david99
Tue Dec 31, 2013 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 35085

Re: Comfort food

Dark Chocolate
by david99
Fri Dec 06, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 3960

Re: What Book Are You Currently Reading? Part V

I'm reading, How to Fail at Almost Everything and Still Win Big by Scott Adams (Dilbert cartoonist). It's funny in that he failed with many of his projects, but he obviously won big with Dilbert. The book is part self help book and part biography. I really enjoyed reading it and he has some good pea...
by david99
Mon Nov 11, 2013 2:34 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3119
Views: 1013892

Re: Pull-ups and Push-ups

I am 47 and I do pretty much the same thing.. bodyweight exercises via P90x. I love it (I'm not affiilated in any way with the program btw.. I just like the way it got me out of going to the gym.) I wake up in the morning and go to the garage. Simple and saves time. The difference between P90x and ...
by david99
Sun Nov 03, 2013 10:08 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39706

Re: Pull-ups and Push-ups

Body weight exercises are great -- especially if you have a bad back like I do. I started out using the pull-up assist machine at the gym a few years ago and now I can do 10 or eleven pull-ups without any help. The body weight exercises (pull-ups, push-ups and dips) strengthened my upper body so I d...
by david99
Sun Nov 03, 2013 9:16 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39706

Re: Weight Loss Plans?

Check out [Author and book reference removed by admin LadyGeek] It's a whole foods, low fat, plant based diet. It's great in that you can eat as much as you want-- so you aren't hungry all the time. I don't follow his diet 100%. I still eat some animal products--fish, chicken, or cheese. I think tha...
by david99
Fri Sep 20, 2013 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 109
Views: 6399

Re: [Sad news - Pat Larimore]

Taylor,

I'm so sorry for your loss. My thoughts and prayers are with you.

David
by david99
Fri Aug 09, 2013 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15844

Re: Larry Swedroe is next to 10,000 posts

During the financial crisis Larry said that TIPS were begging to be bought --- and he was so right --- I'm glad I bought a bunch. Thanks Larry for all your posts.
by david99
Fri Jul 26, 2013 8:44 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Larry Swedroe is next to 10,000 posts
Replies: 38
Views: 3210

Re: Method of Selecting: What Book are you reading now?

I read articles on the internet such as on the New York Times and then I get the book through the library. I usually read nonfiction.
by david99
Fri Jun 21, 2013 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Method of Selecting: What Book are you reading now?
Replies: 32
Views: 2778

Re: Fidelity Website Down

It worked for me this morning.
by david99
Thu Jun 20, 2013 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Website Down
Replies: 14
Views: 1358

Re: What Book Are You Currently Reading? Part V

I just finished reading VB6 by Mark Bittman. The VB6 stands for vegan before 6:00 pm. He says that he was overweight and pre-diabetic when his doctor told him that he should become a vegan. Since Bittman is a food writer, he didn't want to become a vegan so he came up with VB6. So he is a vegan unti...
by david99
Mon Jun 17, 2013 1:55 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3119
Views: 1013892

Re: Allan Roth says CD's

This is the recent article where Allan Roth writes about CDs --- it's at the bottom of the article.
http://www.cbsnews.com/8301-505123_162- ... h-heeding/
by david99
Mon Jun 17, 2013 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Allan Roth says CD's
Replies: 55
Views: 5182

Re: Alan Roth: "At long last, a forecast worth heeding"

I'm sorry guys but any bond fund that looses 40% to inflation in 5 years is a DISASTER and we very well could be heading into just this kind of market...... So maybe there needs to be some sort of early warning systems or way to look out for similar scenarios if you are going to hold this kind of f...
by david99
Wed Jun 12, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Alan Roth: "At long last, a forecast worth heeding"
Replies: 31
Views: 4377

Re: Help me manage a $7 million portfolio.

I would call Rick Ferri and also Larry Swedroe of Buckingham Asset Management and see what each one can do for you and their fees. I wouldn't just go with the lowest fee advisor because one firm may have a slightly higher fee but give you more personal attention and better advice with regards to tax...
by david99
Fri Jun 07, 2013 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 12785

Re: Investing: Is it an art or science?

Optimal investing is largely a science, and a pretty darn simple one at that. Diversification. Low costs. Tax efficient. Risk control. Passive investing. Maybe tilt a little to small and value if you want. That's about it. How in the heck can that sustain us for 3 million posts and thousands and th...
by david99
Thu May 30, 2013 8:34 am
 
Forum: Investing - Theory, News & General
Topic: Investing: Is it an art or science?
Replies: 47
Views: 2175

Re: Bonds - Just starting out HELP! :)

I would go with 10% bonds and rebalance when the market tanks.
by david99
Tue May 28, 2013 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds - Just starting out HELP! :)
Replies: 2
Views: 361

Re: Runners Knee...new shoes, orthodics, what?

And don't do leg extensions! Those are murder on your knees. If you want to strength train, squat. I agree that leg extensions can hurt your knees if you use too much weight. And squats can also hurt your knees if you use too much weight. The trick is using enough weight to build muscle but not pus...
by david99
Wed May 22, 2013 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthotics, what?
Replies: 47
Views: 2504

Re: Runners Knee...new shoes, orthodics, what?

I recommend using the leg extension and leg curl machines at the gym. You lose muscle mass as you get older. Stronger muscles will help support your kees. Also, I recommend buying new running shoes. I used to have some knee pain going up stairs but I don't have pain since using the leg curl and leg ...
by david99
Wed May 22, 2013 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthotics, what?
Replies: 47
Views: 2504

Re: Fidelity has the best customer service I know of

As much as I like Vanguard, putting all my funds in one company scares me. Which is why I am considering Fidelity for my taxable account. I put some of my assets with Fidelity because it also scares me to have all my investments with one company. I like having my investments in a few different plac...
by david99
Thu May 16, 2013 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity has the best customer service I know of
Replies: 57
Views: 3626

Re: Books that have actually changed your life, in a way.

The China Study by Dr. Campbell got me to change my diet ---- I still eat some meat and fish but I eat a lot more veggies and whole grains which helped me to lose weight and keep it off. After The China Study I read other books along this same theme such as Eat To Live by Dr. Fuhrman and books by Dr...
by david99
Tue May 14, 2013 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 9972

Re: Evaluating Rental Property

Isn't this a better deal than stocks in that you are getting say a 3% annual appreciation on $200,000 but you are only putting down $50,000 so in effect you are getting a 12% appreciation on the $50000 and your tenant is slowly paying off your mortgage?
by david99
Mon May 13, 2013 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating Rental Property
Replies: 19
Views: 1951

Re: Should I sell my 2 rental properties?

Why don't you sell one house and keep the other --- you'll cut your stress in half.
by david99
Mon May 06, 2013 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my 2 rental properties?
Replies: 20
Views: 2059

Re: Vanguard: Six questions (and answers) about bonds

Although they still create the impression that the only alternatives to bonds are stocks, REITs, high yield bonds, and MLPs. True to them managing billions but not to retail investors. The forbidden words shall not be spoken. tfb, can you speak the forbidden words? :wink: Are you speaking of CDs or...
by david99
Fri May 03, 2013 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard: Six questions (and answers) about bonds
Replies: 36
Views: 4701

Re: TFB Article CDs vs. Bonds Case Study

I agree that the 5 year CD beats the TBM. One reason to hold money in the TBM is if you need it to rebalance the next time the stock market drops 50% which it will sooner or later. Personally I use the funds in my Roth and 403b to rebalance since there is no tax impact. Your local credit unions usua...
by david99
Thu Apr 25, 2013 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: TFB Article CDs vs. Bonds Case Study
Replies: 11
Views: 856

Re: VG Pays $28k for "Movers & Shakespeare"

"I'll always be investin', not Vanguardin'"

I agree with nisiprius--- I'm investin' not Vanguardin' ---- My money can be just as happy some place else if Vanguard becomes the comedy of errors--- pun intended.
by david99
Tue Apr 16, 2013 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: VG Pays $28k for "Movers & Shakespeare"
Replies: 30
Views: 2354

Re: Buying Tires at Costco

I've purchased two sets of tires from Costco but will never repeat that mistake again. The last time I waited in line for well over a half hour for my turn with the single person behind the counter. And at least at my Costco you do the same routine whether you want to get your tires rotated or a fl...
by david99
Tue Apr 16, 2013 8:39 am
 
Forum: Personal Consumer Issues
Topic: Buying Tires at Costco
Replies: 38
Views: 7794

Re: Bond or not?

An option to bonds is putting together a CD ladder. Credit unions usually have the best rates. I plan on holding intermediate term bond funds and also having a CD ladder at my local credit union. I'm using a 5 year CD ladder. Check out Pentagon Federal Credit Union and your local credit unions --- i...
by david99
Mon Apr 15, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond or not?
Replies: 32
Views: 2485
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