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Re: Anyone consider retiring to Vancouver, Washington?

I live in Vancouver, WA. There are a few clarifications to be made re: the information upthread, though the general picture is probably right. Does WA have a use tax? yes, equal to the sales tax. But there is no use tax for items consumed in Oregon: think dining out, the ballet, Blazers or Timbers t...
by letsgobobby
Fri Oct 31, 2014 12:47 am
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 24
Views: 1416

Re: A Little Common Core Math problem

seems like a long-winded way to bash your YMCA teachers and 90% of the American population. Might have been a more concise way to do so? If that is meant for me, the long winded post was because someone wondered if I really meant the 90% number. As for bashing, I don't think any bashing is involved...
by letsgobobby
Thu Oct 30, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2242

Re: A Little Common Core Math problem

seems like a long-winded way to bash your YMCA teachers and 90% of the American population.

Might have been a more concise way to do so?
by letsgobobby
Thu Oct 30, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2242

Re: Speculaition on Crude Oil and the Euro

Bogleheads don't generally market time, use leveraged funds, use ETNs (which have greater risk than ETFs), or use expensive funds:

http://www.bogleheads.org/wiki/Boglehea ... philosophy
by letsgobobby
Thu Oct 30, 2014 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Speculaition on Crude Oil/The Euro/and Silver
Replies: 15
Views: 885

Re: HSA vs PPO dilemma

in my HDHP the out of network fees do not count toward the in network deductible or OOP max, but rather a separate out of network deductible and OOP Max which are each twice as high as their in network counterparts. Since the out of network fees would be the full cash rate, never reimbursable, and n...
by letsgobobby
Thu Oct 30, 2014 12:39 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA vs PPO dilemma
Replies: 3
Views: 391

Re: WSJ discount?

we do switch off (me then wife etc) but i believe when we haven't switched they've still honored.
by letsgobobby
Thu Oct 30, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: WSJ discount?
Replies: 13
Views: 1087

Re: WSJ discount?

I've used them for years. Wine Spectator is 900 miles rather than $50. 5+ cents per mile is a great value.
by letsgobobby
Wed Oct 29, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: WSJ discount?
Replies: 13
Views: 1087

Re: Finance kids' medical educations with a HELOC?

I can’t think of a better place to invest my money than between their respective ears... I would not charge them interest on any principal balance they have with me; this would be a gift to them. An investment has an expectation of positive return. Your so-called investment has a negative expected ...
by letsgobobby
Wed Oct 29, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finance kids' medical educations with a HELOC?
Replies: 24
Views: 1635

Re: Vanguard's Voice Recognition

really like it. It's very easy and has always recognized my voice after the 3 or so phrases it asks me to repeat.
by letsgobobby
Wed Oct 29, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Voice Recognition
Replies: 18
Views: 1101

Re: AA canceled flight: premium seat fee not refunded

AA didn't cancel the flight - grok did. That's why there was no accommodation and no refund of the premium seat fee - had it been IRROPS with AA they would have moved him to another flight and presumably either kept him in a premium seat or refunded the fee. I'm not sure of AA's policy on this. You ...
by letsgobobby
Wed Oct 29, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2103

Re: Another PPO vs HDHP thread - enrollment closing...

Bfwolf, thank you for the reassurance and the perspective. As an INTJ it's hard making a decision with only incomplete or incorrect information - that said, as an INTJ, now that I've made the decision I've moved on rapidly and feel 'good' about the decision (acknowledging as you did that the outcome...
by letsgobobby
Wed Oct 29, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs HDHP thread - enrollment closing...
Replies: 13
Views: 1278

Re: WSJ discount?

by letsgobobby
Wed Oct 29, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: WSJ discount?
Replies: 13
Views: 1087

Re: What to do with 5M?

In your tax bracket munis are better after taxes than total bond. Total stock is broader, ie more diversified, than 500. You get more mid and small cap exposure with the total stock index. The expected returns and risk are slightly higher. That said over many years total stock and 500 track pretty c...
by letsgobobby
Tue Oct 28, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2562

Re: What to do with 5M?

no need to make life complicated. Other than estate issues, your investments should be not much different from anyone else's. Why not: $2 million total stock $1 million total international stock $1 million your state muni bond index fund $1 million national muni bond index fund If you want to deviat...
by letsgobobby
Tue Oct 28, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2562

Re: Another PPO vs HDHP thread - enrollment closing...

Sorry I haven't had a chance to post back. Enrollment closed at midnight last night and I got new info from HR at 3 pm making the decision very complicated. Bottom line: they were wrong about the PPO deductibles and OOPMs. It is true there is a $1000 deductible and $6000 OOPM for a family, but there...
by letsgobobby
Tue Oct 28, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs HDHP thread - enrollment closing...
Replies: 13
Views: 1278

Re: Should I use 50k Delta miles for a $600 flight?

A couple of sources include: http://thepointsguy.com/ http://boardingarea.com/ A fair warning though is that this whole area could perhaps best be characterized as an enthusiast hobby rather than a common sense form of intelligent consumer behavior. Does a person really want to end up with two doze...
by letsgobobby
Tue Oct 28, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I use 50k Delta miles for a $600 flight?
Replies: 73
Views: 4362

Re: Buying Salmon Online

We are lucky to live on the Columbia River so especially in the fall we get local, fresh-never-frozen, usually caught that morning or the day before, chinook salmon for $12.99 per pound. We eat it raw, or cooked any number of ways. A friend of mine caught a 20 pound fish and gave it to me whole. The...
by letsgobobby
Tue Oct 28, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1638

Re: Another PPO vs HDHP thread - enrollment closing...

Still reading all this but yes, same network. I agree the separate pharmacy out of pocket max is the strange part, especially because the $6000 amount is not documented anywhere. All it says is that a separate oopm applies, but not the amount. I have to call again for the fifth time to make sure the...
by letsgobobby
Mon Oct 27, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs HDHP thread - enrollment closing...
Replies: 13
Views: 1278

Re: Back of the envelope recommendation requested

Tax rate could be nearly zero with $120K of expenses. See, e.g., http://www.bogleheads.org/forum/viewtopic.php?t=87471 Yes but what about a $4 million portfolio throwing off $120k per year of living expenses/not the same thing. OP could tell us how the $4 million is currently held to give us a bett...
by letsgobobby
Mon Oct 27, 2014 1:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Back of the envelope recommendation requested
Replies: 19
Views: 1452

Re: How to fund my ROTH IRA in the future

But you're not in the 25% tax bracket. You're in the 30%+ tax bracket (including state taxes). Overall, it still seems like a bad idea to fund the Roth 401k. Some of this depends on your age, marital status, tenure, stability of the pension plan, etc., but the bottom line is the Roth 401k only offer...
by letsgobobby
Mon Oct 27, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How to fund my ROTH IRA in the future
Replies: 18
Views: 1984

Another PPO vs HDHP thread - enrollment closing...

Like many employees I have a choice between a traditional PPO plan and a high deductible health plan coupled with a health savings account. I have some unresolved and also somewhat mysterious health problems so it's difficult to predict what my expenses will be, except to say, "Not zero." ...
by letsgobobby
Mon Oct 27, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs HDHP thread - enrollment closing...
Replies: 13
Views: 1278

Re: Gross Yearly Income needed in Retirement (Speculation)

My dad turns 80 next year and his travel expenses are increasing not decreasing, not for any disability reasons but just to be a little more comfortable. Limited time becomes the problem more than limited money, but this approach still costs something.
by letsgobobby
Sun Oct 26, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12431

Re: How to fund my ROTH IRA in the future

Not using the 401k ROTH won't help get below the ROTH contribution threshold. Additionally, I want to continue to build up my ROTH balances (both IRA and 401k) so that I'll have income diversity in retirement that will help me to manage my taxable amounts. but you don't have diversity. You have Rot...
by letsgobobby
Sun Oct 26, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to fund my ROTH IRA in the future
Replies: 18
Views: 1984

Re: So you think you're a Risk-taker?

2000-02 and 2007-09 provide the best laboratory for measuring one's true risk tolerance but are only a start. Even if everything else about your psychology has remained the same, it is different losing half your money when you are 30 and have $10,000 at risk, 37 and have $100,000 at risk, or 44 and ...
by letsgobobby
Sun Oct 26, 2014 4:29 am
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 3784

Re: Gross Yearly Income needed in Retirement (Speculation)

^^^
all nice but he's just asking how much you make.
by letsgobobby
Fri Oct 24, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12431

Re: Corporate co-trustee and state taxation

Thank you Bruce. That is reassuring to know since PA has an inheritance tax!
by letsgobobby
Fri Oct 24, 2014 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Corporate co-trustee and state taxation
Replies: 3
Views: 600

Re: Retirement portfolio advice - new physician

500 is more diversified and growth underperforms value historically so that would be my preference.
by letsgobobby
Fri Oct 24, 2014 12:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio advice - new physician
Replies: 6
Views: 943

Re: Do you regret buying your home?

We have regrets. A single feature that cannot be changed which bothers me, but not my wife, to no end. We are thinking of moving this spring in part for this reason. We are glad we purchased at the very bottom of the market as zillow says our house has appreciatd quite a bit, giving us in essence a ...
by letsgobobby
Thu Oct 23, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6776

Re: Just wondering how you personally calculate net worth

An equally valid question is, how do you calculate your height? I include my feet, and my head, when measuring my height.
by letsgobobby
Thu Oct 23, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3721

Re: Health care tilt

Health care is a very attractive area to invest in imo. One can argue it is just another sector in the economy, but I would argue that health care is different. A few reasons: The health care industry is very stable, tremendously important, and tends to not to be as correlated to the general econom...
by letsgobobby
Tue Oct 21, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 3799

Re: Gross Yearly Income needed in Retirement (Speculation)

$10k per month for two in real dollars. This allows for spoiling grandkids, helping kids, travel, charity, health care, etc. Obviously the push comes to shove budget could easily be half that assuming house is paid off. On the other hand, this doesn't include long term care.
by letsgobobby
Tue Oct 21, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12431

Re: Retirement portfolio advice - new physician

It is ok for now to have 100% of both 401k s in the 500 index. You can use IRAs and old Roth 401k to fill in bonds and international stocks. I'd suggest no more than 70% stock. 80-90% is not crazy but it is very aggressive when your income doesn't require such levels of risk taking. Until you've liv...
by letsgobobby
Tue Oct 21, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio advice - new physician
Replies: 6
Views: 943

Re: Why not 100% Stocks?

Yesterdaysnews wrote:I decided to go 100% stock in my portfolio after I paid off my house. Seems like a no brainer to me. House is kinda like a big bond anyways.

Though in a true crisis/left tail event pretty hard to rebalance from.
by letsgobobby
Mon Oct 20, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20882

Re: Laddering Term Life Insurance

Can you clarify - you say X dollars per year as if the same each year but what happens in years 21-30 in scenarios 2 and 3?
by letsgobobby
Mon Oct 20, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laddering Term Life Insurance
Replies: 5
Views: 400

Re: DOW Watchers Stomach Syndrome

I love watching CNBC . It is pure entertainment. To me it's as fun as watching sports but without the cheerleaders. You get the over the top drama, the endless meaningless statistics, the big plays (like after hours corporate news releases, governmental surveys and reports), even a halftime report. ...
by letsgobobby
Mon Oct 20, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2093

Re: Why not 100% Stocks?

My stock portfolio is still 100% stocks.
by letsgobobby
Sun Oct 19, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20882

"I've had it" at work - how often

How often do you come home from a day at work and say to yourself, 'That was bulls---. I don't need this in my life - I'm done." Let me know your age/tenure, your field, and how often the above occurs. If it is never, I'm envious. I assume most of us have this from time to time. I had one of th...
by letsgobobby
Sat Oct 18, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12469

Re: Anyone cancelling travel plans?

Not now. I'm on a cruise in December.

I'm looking for airfares to come down. A little spread of the E bola bola should bring down airfares quickly.

Course then I may want to cancel my cruise.
by letsgobobby
Sat Oct 18, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6317

Re: Why do people use age instead of life expectancy?

I'll use life expectancy when you can tell me what mine is.

By the way I'm 40 and dang sure of it.

And what a pathetic and nauseating article by an ethicist. The implication that all over 75 are no longer contributing to society... how sad that he feels that way.
by letsgobobby
Sat Oct 18, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2920

Re: Best place (with warm weather) to raise children

Davis, CA, Palo Alto, etc.

You didn't say anything about costs.
by letsgobobby
Thu Oct 16, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5225

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

not in your target range either but one way could be, I waited 40 years (and my money doubled every twelve).
by letsgobobby
Thu Oct 16, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4056

Re: Who should regularly contribute to taxable investments?

And again for people who might hit the estate tax, the annual contributions to 529 consume yearly gift tax exclusion, whereas if you waited and funded the education pay-as-you-go that doesn't take up any exclusion, and you could separately contribute additional gifts to a trust account etc using th...
by letsgobobby
Thu Oct 16, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 3631

Re: TBM too much treasury?

TBM is my risk free asset. I wonder why I don't just hold treasuries. Corporates went down in 2008. I think Larry has written that the more stocks you own, the more important your bonds be risk-free, ie, treasuries. For those with moderate equity allocations, a little extra corporates may not hurt -...
by letsgobobby
Thu Oct 16, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4365

Re: Mortgage from family member

Afty wrote:Suppose you do lend money to family. Do you have to pay income tax on the interest you receive?

my dad reports the interest. I deduct the interest.
by letsgobobby
Thu Oct 16, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage from family member
Replies: 21
Views: 1653

Re: Mortgage from family member

Taking the opposite side, I borrowed, twice, from my dad, with no problems. The first time was straight out of residency. I needed an additional 10% for a down payment. I paid it back over 12 months or so. We had a formal note, interest, etc. The second time was last summer. I bought an investment p...
by letsgobobby
Thu Oct 16, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage from family member
Replies: 21
Views: 1653

Re: Headed for a 300+ point loss today?

Let's see how far today's drop goes. AS a young investor this is finally some great news. I will be increasing my contributions in my Roth 403b and Roth IRA. I would never want to wish any harm on people's jobs/homes...but I do love seeing stocks in free fall. :sharebeer I hate statements like this...
by letsgobobby
Thu Oct 16, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30481

Re: Does your ROTH hold risky or stable items?

The RMDs will partly disrupt that strategy, and for some they RMDs plus pension plus SS will be substantial enough that there will be no 0% or low tax rate period. End of life care is expensive, but if the average nursing home stay is 2 years that is only, say, $200k, and your Medicare copays and me...
by letsgobobby
Thu Oct 16, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3391

Re: Feeling very fortunate today!

I feel very fortunate. I was looking at retiring as early as Dec. 1. In preparation for that I had set up accounts with 3 years expenses to ride out tough markets. Now with the correction/pullback I think I will work another year and funnel any new savings in 100% stocks. I feel very fortunate at t...
by letsgobobby
Wed Oct 15, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6184

Re: investing in bear market

What does your IPS say? Mine says: - all new pretax money (403b/401a etc) goes to stable value fund, rebalanced from time to time to maintain a 50/50 stable value/total bond mix; - all Roth and HSA money goes to US small value or international small, depending on whether US or international is below...
by letsgobobby
Wed Oct 15, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2250

Re: Sixth anniversary of worst week ever for stocks

octobers... nasty months for stocks they are.
by letsgobobby
Wed Oct 15, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 4424
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