Search found 661 matches

Return to advanced search

Re: Help me stop obsessing

The calculators are INSANELY overprecise. So true. What I did a few years ago in estimating my (no-pension) retirement needs and possibilities was look at several on-line life-expectancy calculators and take an average of their outputs, which in my case came out to 89 years. Then I built an elabora...
by jegallup
Sat Sep 28, 2013 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help me stop obsessing
Replies: 23
Views: 3562

"Looting the Pension Funds"

Matt Taibbi has an entertaining screed in Rolling Stone , this time on how state pension funds have allowed themselves to be bamboozled by hedge funds and their sales representatives. http://www.rollingstone.com/politics/news/looting-the-pension-funds-20130926?print=true Even though hedge funds can ...
by jegallup
Fri Sep 27, 2013 11:45 am
 
Forum: Investing - Theory, News & General
Topic: "Looting the Pension Funds"
Replies: 8
Views: 1075

Re: "Fee-only"? Maybe not really: Zweig / WSJ

Thanks for posting this. A real eye-opener.
by jegallup
Sun Sep 22, 2013 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: "Fee-only"? Maybe not really: Zweig / WSJ
Replies: 12
Views: 1910

Re: Best deals on gyms

$44/month for the YMCA. Seems a bit high compared to what I read above, but the pools are terrific, and all I really use. That said, they have every other conceivable type of fitness and workout equipment, basketball courts, and a daycare center.
by jegallup
Sun Sep 22, 2013 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Best deals on gyms
Replies: 40
Views: 2717

Re: Fund list for my small business 401k Plan. Any input?

There are too many funds. I suppose with only a handful of participants, they might figure out the differences between Small Cap Index Small Cap Growth Index Small Cap Value Index and ditto for Mid Cap and 500/Growth/Value large cap. I agree. Without knowing your co-workers level of sophistication ...
by jegallup
Sat Sep 07, 2013 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund list for my small business 401k Plan. Any input?
Replies: 20
Views: 1065

Re: Best medium for long-term digital storage?

I've got almost everything on 3.5" 1.44-MB floppies, and the rest on 9" Wang disks, so I don't have to worry. Nothing will touch my data!
by jegallup
Sat Sep 07, 2013 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Best medium for long-term digital storage?
Replies: 65
Views: 5022

Re: How many big moves have you made in your lifetime?

1970: Chicago to LA to go to grad school 1971: Back to Chicago because I got drafted 1971-3: San Antonio, Denver, Vietnam, Thailand, Denver in the USAF 1982: Colorado Springs, for a job 1988: St Louis, job 1994: DC, job 1999: San Diego, job from which I retired in 2011. Not moving anymore. I met a l...
by jegallup
Mon Sep 02, 2013 11:27 pm
 
Forum: Personal Consumer Issues
Topic: How many big moves have you made in your lifetime?
Replies: 76
Views: 5699

Re: How to get to the 21st communication century--sort of

I've been stubbornly Mac-resistant for various reasons ever since they appeared, but the gift of an iPad converted me. I am a touch typist and find the "virtual" keyboard on the iPad is cumbersome and slow. For travel, and for moving around the house, though, it's hard to beat the iPad. I ...
by jegallup
Sat Aug 17, 2013 3:09 pm
 
Forum: Personal Consumer Issues
Topic: How to get to the 21st communication century--sort of
Replies: 39
Views: 1525

Re: New LLC for Rentals Complete - Deed Transfer Issues?

For what it's worth, California taxes LLCs at a "corporate" rate of 8.84 percent--with an $800 annual minimum, which I think you'd have to pay even if the LLC showed no profit. Here's the link: https://www.ftb.ca.gov/businesses/bus_structures/LLcompany.shtml For some reason you can't clipb...
by jegallup
Sat Aug 10, 2013 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: New LLC for Rentals Complete - Deed Transfer Issues?
Replies: 35
Views: 2591

Re: Want to cut the cable cord

What would you pick as pay services? Aereo and Netflix, Netflix and Hulu Plus, ? I'm going into negotiation season next month with cablevision, and if it goes bad I might cut. We got Hulu Plus because it was the only place (we knew of) that had Season 2 of "Downton Abbey." We kept it for ...
by jegallup
Sat Aug 10, 2013 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Want to cut the cable cord
Replies: 67
Views: 6492

Re: Why must 401Ks be company specific?

Before my former company got "large" enough (10 employees or so) to make a 401(k) plan worth the overhead expenses, we had a Simplified Employee Pension Individual Retirement Account (SEP-IRA) plan, under which the employer made direct contributions to the IRA of each employee's choosing. ...
by jegallup
Sat Aug 10, 2013 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why must 401Ks be company specific?
Replies: 27
Views: 2089

Re: Lobbying for 401K funds

Who is the 401k plan administrator right now? E.g. John Hancock? Fidelity? Etc? What is the fund line up? Typical ERs? The administrator is Transamerica Retirement Solutions, part of the Transamerica family. The fund lineup that I see is a hodge-podge from different providers: - Fidelity 500 Sparta...
by jegallup
Sat Aug 10, 2013 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lobbying for 401K funds
Replies: 24
Views: 1174

Re: Roofing materials

An unofficial and highly-opinionated hierarchy of roofing materials, based on quality, appearance and cost: 1. Slate: highest first cost; very heavy and may require heavier roof framing. Lasts a very long time and is beautiful in the appropriate architectural setting. The thin black line of the eave...
by jegallup
Sat Jul 27, 2013 11:32 am
 
Forum: Personal Consumer Issues
Topic: Roofing materials
Replies: 21
Views: 1613

Re: What Book Are You Currently Reading? Part V

Giai Phong!, the Fall and Liberation of Saigon, by Tiziano Terzani, an Italian journalist who stayed behind after the Americans left in 1975.
by jegallup
Wed Jul 24, 2013 5:23 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1199489

Re: What to do with cash while in between selling and buying

Re: What to do with cash while in between selling and buying Post by jegallup » Fri Jul 12, 2013 7:11 pm VFSUX, Vanguard's short-term bond fund, pays monthly dividends at an annual rate of about two percent. And you can write checks on it.i used to use it for business cash I knew I'd be spending in...
by jegallup
Sat Jul 13, 2013 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with cash while in between selling and buying apt
Replies: 6
Views: 518

Re: What to do with cash while in between selling and buying

VFSUX, Vanguard's short-term bond fund, pays monthly dividends at an annual rate of about two percent. And you can write checks on it.i used to use it for business cash I knew I'd be spending in 3-6 months.
by jegallup
Fri Jul 12, 2013 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with cash while in between selling and buying apt
Replies: 6
Views: 518

Re: Lump Sum Investing

When you buy and hold over a period of years, the transitory market-timing gains or losses disappear. So go ahead and do it.
by jegallup
Thu Jul 11, 2013 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Investing
Replies: 5
Views: 715

Re: Do I need so much cash?

If you have a bond allocation, and keep it in bond mutual funds with Vanguard (and presumably other similar firms' bond MF offerings), you can write checks on the money while it earns 2-3%. Yes the bond funds are not federally guaranteed like bank accounts, but this has been an acceptable risk for me.
by jegallup
Mon Jun 17, 2013 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need so much cash?
Replies: 17
Views: 2954

Index investing, Ellis interview on NPR

Charles Ellis, author of Winning the Loser's Game , was among those interviewed in this eminently sensible story on investing. http://www.npr.org/2013/06/05/188306471/resisting-the-temptation-to-win-when-investing Ellis says those...actively traded funds are a bad bet. "Candidly, the data's ver...
by jegallup
Wed Jun 05, 2013 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Index investing, Ellis interview on NPR
Replies: 2
Views: 561

Re: Hardwood floor preparation

Remember that the purpose of the furnace return-air filter is to keep dust and grit out of the fan motor bearings, and that's about it. They're pretty cheap, so change them frequently. The downside of not changing them is that the furnace/air conditioner will run longer to move the same amount of ai...
by jegallup
Sun Jun 02, 2013 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hardwood floor preparation
Replies: 8
Views: 1098

Re: Unbridled Consumerism?

noyopacific wrote:Our weakness is books. We seldom check books out from the library because once we read them, we want to keep them.


So true. Even Kindle books are inferior, with their poor graphics and insane footnoting. Plus you can't loan them to anybody.
by jegallup
Sun May 26, 2013 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Unbridled Consumerism?
Replies: 28
Views: 2841

Re: Best Walkable Place to Retire

Downtown San Diego has worked well for me. It has grocery stores, a new (soon) library, Major League Baseball, a pretty good symphony orchestra, a hardware store, countless restaurants at every level, and Balboa Park within a reasonable distance. The best part is the weather, of course. As someone w...
by jegallup
Sun May 26, 2013 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Best Walkable Place to Retire
Replies: 86
Views: 7957

Re: Putting offer in house, seller wants contigency on purch

Many people put an inspection contingency in an offer. That way if the inspector (whom you pay) finds some disqualifying fault, you can back out or negotiate a better price. This has worked well for me on more than one occasion.
by jegallup
Sat Apr 06, 2013 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Putting offer in house, seller wants contigency on purchase
Replies: 9
Views: 953

Re: Any current users of AMEX Platinum with $450/year fee?

Curlyq wrote:companion ticket for any business/first class ticket purchased


You might check the fine print on this. Had this card for a few years and the companion ticket wasn't always available.
by jegallup
Thu Apr 04, 2013 12:56 am
 
Forum: Personal Consumer Issues
Topic: Any current users of AMEX Platinum with $450/year fee?
Replies: 16
Views: 2318

What to do with new money?

Just found out that I'm old enough to get a distribution from the ESOP of my former employer*, which I'll roll into my IRA. The amount is about five percent of my holdings, which are all at Vanguard as follows: Taxable: VTI (Total Stock Market) 29% VEU (FTSE non-US) 7% VSS (FTSE non-US Small Cap) 3%...
by jegallup
Sun Mar 24, 2013 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with new money?
Replies: 1
Views: 537

Re: Any New York Times crossword solvers here?

Since I don't get the Times regularly, I solve the syndicated Sunday puzzle, a week after it's in the NYT. I'm about 50-50 in solving it completely, usually in a couple of sittings. The last two weeks have been unusually easy, so I've actually solved them both in one sitting, which I think is a fir...
by jegallup
Mon Mar 18, 2013 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Any New York Times crossword solvers here?
Replies: 20
Views: 1316

... .
by jegallup
Mon Mar 18, 2013 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: DFA vs Vanguard on corporate governance
Replies: 16
Views: 1670

Re: iMac Keyboard

No "Delete" key, for one thing. Can't get used to that. Not true. The iMac comes with your choice (same price of $zero) keyboards. . Oops! Or maybe not. Just went and looked at the wife's MacBook Air (a gorgeous machine, and no mistake). It has a key marked Delete, but it's really a Backs...
by jegallup
Sat Mar 02, 2013 8:55 pm
 
Forum: Personal Consumer Issues
Topic: iMac or PC (windows)
Replies: 46
Views: 2177

Re: iMac or PC (windows)

LadyGeek wrote:Go to an Apple store and try out a Mac in person. It's a very different experience. Not better, not worse, just different.

No "Delete" key, for one thing. Can't get used to that.
by jegallup
Sat Mar 02, 2013 3:27 pm
 
Forum: Personal Consumer Issues
Topic: iMac or PC (windows)
Replies: 46
Views: 2177

Re: What Book Are You Currently Reading? Part V

A longtime Steinberg fan here and am on a library wait list for the bio. What did you think of the book itself? As for Steinberg, I never saw a work more instantly recognizable or original than his (except for maybe Charles Addams). And he is always the subject of the great debate between cartoonis...
by jegallup
Fri Feb 22, 2013 1:34 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1199489

Re: What Book Are You Currently Reading? Part V

Saul Steinberg, a Biography by Deirdre Bair. Steinberg is my favorite artist, although many know him as "just" a cartoonist from the many works he published in The New Yorker . The most widely known of those was "A View of the World from Ninth Avenue"... http://mappery.com/map-o...
by jegallup
Thu Feb 21, 2013 10:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1199489

Re: Bank question

USAA seem to limit transfers OUT of their checking accounts to $2000-$3000 per day.. I have never seen this -- I haven't had any problems with larger pull transactions. I've moved amounts quite a bit larger than that to Vanguard out of a USAA checking account with no difficulty. They had a $5K dail...
by jegallup
Thu Feb 07, 2013 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank question [Online or Brick and Mortar?]
Replies: 19
Views: 2206

Re: Replacing a car radio

Be prepared to spend a lot of time contorted into painful positions under the dash with the gearshift lever jabbing you in the side and, if (like me) you are the sort of person who feels the need to do so when frustrated, swearing.
by jegallup
Sun Jan 27, 2013 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Replacing a car radio
Replies: 12
Views: 882

Re: Cable TV with NO SPORTS Channels... Yep!

I think it's about time for a-la-carte pay tv. Consumers want it. Tired of all these bundled packages of tv channels which I don't watch. Can't happen soon enough for me, but I'm afraid it never will. I'm tired of paying a monthly annuity for a bunch of channels I know I'll never watch. I'd be happ...
by jegallup
Tue Jan 22, 2013 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Cable TV with NO SPORTS Channels... Yep!
Replies: 49
Views: 3001

Re: What was your 2012 return?

nedsaid wrote:2/3 Stocks and 1/3 bonds returned 11.3% for 2012. Not bad.


I had almost exactly the same allocation and result.
by jegallup
Sun Jan 06, 2013 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 20375

Re: Which Financial Software do You Use?

Quickbooks. It works for personal too, not just business. Only because I can't reconcile in mint and quicken Mac is so bad. Same here...inherited a copy when I retired. I don't keep track of investment holdings with it, though; the Vanguard site and a spreadsheet take care of that we'll enough for ...
by jegallup
Sun Dec 30, 2012 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Which Financial Software do You Use?
Replies: 51
Views: 3831

Re: Sub-Zero dying, need a tall, skinny (cheaper) fridge

I came across a Blomberg refrigerator today. I believe this could meet your specifications ...? I don't think this manufacturer is already mentioned in this thread, based on my quick review, but apologies if it is. http://www.blomberginternational.com/coolingFeat.html Intriguing, thanks, though app...
by jegallup
Mon Dec 17, 2012 10:14 am
 
Forum: Personal Consumer Issues
Topic: Sub-Zero dying, need a tall, skinny (cheaper) fridge
Replies: 28
Views: 4589

Re: Sub-Zero dying, need a tall, skinny (cheaper) fridge

My brother had an Electrolux dishwasher which was horrible, and the parts had to come from Sweden-- never again. Our front-loading washer, which says "Frigidaire" on the front panel but "Electrolux" inside, has required multiple repair calls; its door seal leaked in a fiendishly...
by jegallup
Sat Dec 15, 2012 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Sub-Zero dying, need a tall, skinny (cheaper) fridge
Replies: 28
Views: 4589

Re: Looking for advice to reduce / avoid "clutter"

Those of us who are minimalists and enjoy the sweeping vistas that bare tabletops and well-organized closets provide may not have much useful advice to give those who are warmed by having lots and lots of belongings around. I lived for a while with a person who had two of her three bedrooms filled w...
by jegallup
Sat Dec 15, 2012 12:09 am
 
Forum: Personal Consumer Issues
Topic: Looking for advice to reduce / avoid "clutter"
Replies: 88
Views: 7702

Re: What kind of car are you driving?

2011 Prius "Five" in silver with a rather dreary gray interior. Got this new a year ago with all available goodies (nav, backup camera, radar-adaptive cruise control) for about $36K with 3-year zero-interest financing. We've taken one long trip in it and found it comfortable. It is not &qu...
by jegallup
Tue Dec 04, 2012 9:26 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21584

Re: [My Fee Only Planner's] Fees are going up!

If the advisor charges on a sliding scale according to the size of your assets, that doesn't really sound like "fee only" financial advice. An hourly rate, or a fixed-fee schedule according to the planning products provided, seem more in the spirit of fee-only planning.
by jegallup
Sun Nov 11, 2012 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: [My Fee Only Planner's] Fees are going up!
Replies: 56
Views: 6127

Re: Getting Married at/after 50

An accountant friend suggests that a trust can protect the wealthier spouse's assets as well as or better than a per-nup while avoiding the decidedly unromantic process of dividing the spoils before the marriage has even been consummated.
by jegallup
Sun Nov 04, 2012 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting Married at/after 50
Replies: 109
Views: 10512

Re: Selling LLC

The acquiring company might want to predicate payments to you on certain performance goals that you must meet while an employee. It's good to avoid that if you can. You don't want to have to earn your own purchase price back.
by jegallup
Sat Nov 03, 2012 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling LLC
Replies: 5
Views: 488

Re: Remembering the Crash of 1987

Floyd Norris has an interesting first-hand recollection of it in today's NY Times : http://www.nytimes.com/2012/10/19/business/a-computer-lesson-from-1987-still-unlearned-by-wall-street.html He blames portfolio insurance, which is somewhat reminiscent of credit default swaps. The 1987 villain was so...
by jegallup
Fri Oct 19, 2012 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Remembering the Crash of 1987
Replies: 32
Views: 2111

Re: What triggered you?

In 2006 I was the administrator of my company's 401(k), which resided with Transamerica and a third-party administrator. We paid a 1.65% annual fee in addition to lots of annual expenses. That bothered me, but I didn't know what to do about it until a new employee recommended Vanguard. It wasn't sim...
by jegallup
Fri Oct 19, 2012 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: What triggered you?
Replies: 76
Views: 5129

Re: Portable Drill / Screw Gun - battery replacements?

It's often a better deal (revolting as this may sound) to buy a whole new unit. They really gouge you for replacement batteries. New unit will have higher voltage/more power, more features, etc. Lithium ion batteries are definitely the way to go, if your current tool doesn't use them.
by jegallup
Mon Oct 15, 2012 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Portable Drill / Screw Gun - battery replacements?
Replies: 13
Views: 927

Vanguard privacy policy

As perhaps did many others, I received an email about VG's privacy policy today, and decided to actually go read it. Here's something interesting I learned: We and our e-mail service providers may determine whether you receive and open our e-mails by using pixel tags, also known as web beacons, whic...
by jegallup
Thu Oct 11, 2012 11:41 am
 
Forum: Personal Consumer Issues
Topic: Vanguard privacy policy
Replies: 9
Views: 537

Wall Street traders look to the stars for guidance

In a bid to outgun the competition, some traders – several thousand of them, actually, have been turning to the stars. According to MarketPlace, at least 300 traders are currently paying $237 each year to subscribe to financial astrologer Karen Starich’s newsletter, while a couple thousand more sub...
by jegallup
Mon Sep 24, 2012 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Wall Street traders look to the stars for guidance
Replies: 7
Views: 599
Next

Return to advanced search