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Re: Keeping up with the neighbors and Balance

You know, it's funny, I think of myself as frugal, and the general population as less so. However, I don't have an issue 'keeping up with the Jonses'. Perhaps it engineers in general, but among my co-workers most drive a worse car than I do (and mine is only worth about 9k). Most of my friends outsi...
by mortal
Sat Jun 07, 2014 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 9750

Re: Boglehead equivalent of a Permanent Porfolio (for 27 yo)

Best advice I can give you: Go with a lazy portfolio http://www.bogleheads.org/wiki/Lazy_portfolios Now, with regards to Permenant Portfolio, lets discuss the role of gold. Imho, gold is *not* a hedge against inflation. Gold is a hedge against the wholesale collapse of a currency / economy. If you *...
by mortal
Thu May 15, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead equivalent of a Permanent Porfolio (for 27 yo)?
Replies: 17
Views: 1564

Re: Hit your #, Still want to work, does your savings % chan

My plan in this situation is to keep working and saving, adjusting my spending upward each year to the new amount that can be supported by a 3 percent swr. I'll keep this up until I no longer have a marginal utility for the increased income.
by mortal
Tue Apr 22, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 5264

Re: Are 20 somethings handicapped bc of inflation and little

Honestly, I *don't* account for inflation. I wrote an (overly simplistic) program a while back to model my retirement savings. I simply tried to think of things in 'real' terms. For instance, if the stock market returns on average 7% / year, and inflation is 3%, then the real return on stocks is onl...
by mortal
Thu Mar 13, 2014 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10516

Re: What video games are you currently playing?

Games I've really gotten into over the years: Civilization II This game was the first video game I ever really loved. Bought it in 1996 and played it all the way to 2006, when I quit pc gaming. If it I could get this to run under wine, I'd still probably be playing it today. Before I started playing...
by mortal
Fri Mar 07, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4655

Re: The growing case against ETFs ARTICLE

Back in the day, I went with ETF's over mutual funds because I didn't have enough money to have admiral shares of all my holdings. I've heard you can convert ETFs to admiral shares without triggering capital gains, but I'm not sure how that works. I do like to keep a few thousand in cash in money ma...
by mortal
Sun Feb 23, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: The growing case against ETFs ARTICLE
Replies: 36
Views: 4196

Re: Took the Plunge, Bought an Accord Hybrid

@ fishinskiguy Yeah, I have to disagree with you as well. For the Toyota pruis, it would seem that they over engineered the battery pack. Consumer reports tested a ten year old prius a while back, and found no real loss in performance or effeciency. Automakers are incrementally improving IC engines,...
by mortal
Sun Feb 23, 2014 2:17 am
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 4339

Re: Transitioning when one hits "the number"

I have not yet hit my number, so I can only share my plan. My number = current living expenses / .03 (swr) When I hit 'My number' I will slowly increase my spending each year in line with a 3% withdrawal rate. I expect I will very quickly hit the point of diminishing returns, and at that time (curre...
by mortal
Sat Feb 15, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning when one hits "the number"
Replies: 72
Views: 5403

Are stock returns compound returns?

It's funny, I think I know a fair bit about investing, but there's a question that's been nagging me here lately. Are stock returns compound? For simplicity sake, say I take $100 dollars and invest it a cd offered by a (supidly generous) bank, at 10% interest for two years, compounded annually. Year...
by mortal
Sat Feb 15, 2014 2:11 am
 
Forum: Investing - Theory, News & General
Topic: Are stock returns compound returns?
Replies: 13
Views: 1424

Re: Best new car-under $30K

Personally I like hatchbacks and wagons. I love what you can haul in the back of one with the rear seats folded. I will say that I really don't like SUVs. Most SUVs today are wagons on jacked up suspensions. It's just not worth trading your center of gravity / handling for better ground clearance un...
by mortal
Fri Dec 13, 2013 12:03 am
 
Forum: Personal Consumer Issues
Topic: Best new car-under $30K
Replies: 44
Views: 4212

REITs worth the trouble?

A while back, I read up on the core 4 portfolios. I see some very smart people often recommending them for diversification. However, I also remember their crazy volitiliy during the financial crisis. Even this year, amid a booming stock market, REITs have had some wild swings (I'm assuming that's do...
by mortal
Mon Nov 18, 2013 12:30 am
 
Forum: Investing - Theory, News & General
Topic: REITs worth the trouble?
Replies: 23
Views: 3854

Re: NYTimes Article: Timing of Returns in Retirement

What about the tax implications of this? Say at retirement you are 50/50 stocks / bonds and these are held in taxable / tax-adv accounts respectively? That's roughly where my projections put me at retirement.
by mortal
Mon Sep 16, 2013 12:08 am
 
Forum: Investing - Theory, News & General
Topic: NYTimes Article: Timing of Returns in Retirement
Replies: 69
Views: 6934

help choosing a health plan

My company just switched health insurance carriers. They are doing away with my current health plan and I need help deciding between a few options. 1. PPO w $1000 deductible and 10% copays for $95/mo 2. PPO w $1500 deductible for $45/mo 3. HDHP w $2500 deductible for $15/mo with a $30/mo contributio...
by mortal
Sat Aug 10, 2013 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: help choosing a health plan
Replies: 5
Views: 503

Re: Buy a new Windows 8 disc to clear Dell's bloat

Also, there's linux.

http://www.linuxmint.com/edition.php?id=141

When I bought my laptop, windows vista stayed installed for all of 5 minutes after the first boot. Unless you're a gamer, or you need to run some windows only software, I highly recommend it.
by mortal
Thu Aug 08, 2013 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Buy a new Windows 8 disc to clear Dell's bloat
Replies: 33
Views: 3208

Re: Your Home is Not a Good Investment

http://online.wsj.com/article/SB111852419690557157.html

I found this article to be a particularly good read on the subject.

Having said that, I don't remember googling this, so I almost certainly clicked a link that someone else posted somewhere. Apologies if this is a dupe.
by mortal
Sun Aug 04, 2013 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Home is Not a Good Investment
Replies: 145
Views: 11940

Re: Future car purchase - The downward spiral

Anything Tesla is way out of my price range. I'm *keenly* interested in the 2014 mazda 3. 0-60 ~7.2 seconds and 37mpg highway is enticing. My guess is it'll be a throwdown between the mazda3, the new GTI, and the new Prius, with possibly the new Honda Fit Hybrid coming into play. I haven't heard any...
by mortal
Tue Jul 23, 2013 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Future car purchase - The downward spiral
Replies: 12
Views: 1470

Future car purchase - The downward spiral

I will be shopping for a new car some time between 1 - 3 years from now. I'm a planner (read, indecisive). It took me two years to find what I wanted and buy my last car. It's a 2006 mazda miata. I bought it because I wanted something that was everything my ford ranger was not. It's fast, it's nimbl...
by mortal
Mon Jul 22, 2013 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Future car purchase - The downward spiral
Replies: 12
Views: 1470

Minimizing ER vs maintaining AA

Hi Everyone, I just started a new job today. John Hancock is our 401k provider. Given all the horror stories I've heard elsewhere, I expected very high expense ratios on all their funds. True enough, pretty much every offering in the 401k is greater than 1.2% ER, with the exception of one S & P ...
by mortal
Mon Jun 17, 2013 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Minimizing ER vs maintaining AA
Replies: 1
Views: 175

Re: Satisfying the Emotional Need to Actively Participate

I like keeping a few grand in my money market account, with outstanding limit to buy if stocks drop say 4-5%, reset monthly I find it comforting to log in after a Really Bad Day/Week and see my trades executed. It makes very little impact on the overall bottom line, but it makes me feel better (hey,...
by mortal
Mon Apr 08, 2013 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Satisfying the Emotional Need to Actively Participate
Replies: 23
Views: 1885

Other Forums?

Do any of y'all have suggestions for other forums you frequent that cover a similar range of topics as bogleheads.org? I'm specifically looking for something some what similar to the now defunct Politonomics.org. Somewhere I can discuss investing, but can also talk about economic theory, etc http://...
by mortal
Wed Apr 03, 2013 11:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Other Forums?
Replies: 2
Views: 558

Re: Things I should buy/experience while in my 30s?

If it interests you a fast car would be high on the list. A really really fast car. In my 30's I bought and upgraded a 1980 Camaro with among other things a 383 stroker motor that dyno'd at 500 horsepower at 6,200 RPM and 500 ft. lbs of torque at 4,400 RPM. A manly 4-speed manual and a 3.73 posi re...
by mortal
Mon Mar 18, 2013 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Things I should buy/experience while in my 30s?
Replies: 112
Views: 9677

Re: Doomsday:Cyprus confiscate 10% of all bank accounts bala

Agreed. This thread should be locked. ...Why exactly? I find it irritating when conversations are locked that haven't gotten out of hand (in general, not this site specifically), but I find it very disappointing when people start encouraging a lock to limit civil discussion of a topic. What's the b...
by mortal
Sat Mar 16, 2013 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: Doomsday:Cyprus confiscate 10% of all bank accounts balances
Replies: 36
Views: 4312

Re: What % of gross income do you spend on rent/mortgage?

I had to round up to 11%. Happy to rent until my needs change.
by mortal
Mon Mar 11, 2013 7:51 pm
 
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 6864

Re: Trading in for better mpg

Strictly from a financial perspective, this almost never makes sense.

I use this handy edmunds calculator to run the numbers.

http://www.edmunds.com/calculators/gas-guzzler.html
by mortal
Tue Mar 05, 2013 12:39 am
 
Forum: Personal Consumer Issues
Topic: Trading in for better mpg
Replies: 43
Views: 2202

Re: "Time to say goodby to the lost decade"

The S&P is basically back to where it was in September of 2000. Yes, I know that ignores dividends, but it also ignores inflation. You want to wager which was the bigger influence? I feel entirely within my rights to be a little cranky, even if only on my parents behalf. I'm certainly not whistl...
by mortal
Tue Feb 26, 2013 9:05 pm
 
Forum: Investing - Theory, News & General
Topic: "Time to say goodby to the lost decade"
Replies: 48
Views: 5274

'Running out of money'?

I constantly see people talk of the fear of "running out of money" in retirement. By the way the subject is discussed, you would think that the very instant the last cent drains from their 401k men in suits come in and drag them off to make soylent green. I find it odd, because of the olde...
by mortal
Wed Feb 13, 2013 12:37 am
 
Forum: Personal Finance (Not Investing)
Topic: 'Running out of money'?
Replies: 14
Views: 1640

donated e-books tax deductible?

Howdy folks, If I donated e-books to a library, or other non profit 503ish organization, would said donation be tax deductible? I believe the Irs says that such a donation has to be deducted at the fair market value. Well, there are no 'used' kindle books, so wouldn't this be valued at the sale pric...
by mortal
Sat Feb 02, 2013 2:45 am
 
Forum: Personal Finance (Not Investing)
Topic: donated e-books tax deductible?
Replies: 4
Views: 480

Re: First Car Purchase...$7K-$9K

If I had to get another car now, and this was my budget, I'd go for an 07 Honda Fit or Nissian Versa, or perhaps an first gen mazda 3 [5 door].

I'm partial to hatchbacks.
by mortal
Sat Jan 12, 2013 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Car Purchase...$7K-$9K
Replies: 45
Views: 3199

Re: Ibonds in taxable vs st bonds in ira?

The short term bonds seem to be coming in at around 2%? https://personal.vanguard.com/us/funds/snapshot?FundId=5132&FundIntExt=INT#tab=1 You can't buy those past returns, the current SEC yield of that fund is 0.52%. The actual returns will vary depending on the future changes in interest rates,...
by mortal
Thu Dec 27, 2012 12:29 am
 
Forum: Investing - Theory, News & General
Topic: Ibonds in taxable vs st bonds in ira?
Replies: 5
Views: 793

Ibonds in taxable vs st bonds in ira?

So, after reading the wiki article on the possibility of keeping one's emergency fund in an ira: http://www.bogleheads.org/wiki/Placing_Cash_Needs_in_a_Tax-Advantaged_Account I was wondering if it makes sense to move my emergency fund from ibonds to short term bonds in my ira? Ibonds are basically y...
by mortal
Wed Dec 26, 2012 12:53 am
 
Forum: Investing - Theory, News & General
Topic: Ibonds in taxable vs st bonds in ira?
Replies: 5
Views: 793

Re: Take capital gains this year

I'm sorry, how is a 6.5% unemployment target 'proposed'? It's right there in the Fed's statement. Just because it's not a certain date does not mean it's not a firm target. Mortal, The 6.5% unemployment figure has absolutely nothing to do with capital gains taxes or any taxes for that matter. That ...
by mortal
Tue Dec 18, 2012 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Take capital gains this year
Replies: 44
Views: 2984

Re: Take capital gains this year

I'm sorry, how is a 6.5% unemployment target 'proposed'? It's right there in the Fed's statement. Just because it's not a certain date does not mean it's not a firm target.
by mortal
Tue Dec 18, 2012 1:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Take capital gains this year
Replies: 44
Views: 2984

Re: other driver's insurance not accepting liability

I notified his insurance about a week after the incident. I have full coverage, and a $500 deductible. I haven't filed a claim with my insurance company, but I'll notify them tomorrow. I honestly thought I was supposed to go to the other guy's insurance. I guess that was a bit stupid of me :oops:
by mortal
Wed Dec 12, 2012 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: other driver's insurance not accepting liability
Replies: 31
Views: 2493

other driver's insurance not accepting liability

So, about a month ago, I was involved in a minor fender bender. This guy hit my right rear wheel and bumper while making a U-Turn at an intersection. I was sort of rattled, but it was a very minor hit. We pulled over, he apologized, we exchanged information, took photos, and parted ways. I (naively)...
by mortal
Tue Dec 11, 2012 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: other driver's insurance not accepting liability
Replies: 31
Views: 2493

100% stocks 'emergency fund'?

Now that you've spit out your coffee... retract your claws, bear with me. :wink: At what point does it no longer make since to have an 'emergency fund'? Is it always mathematically worth it to have a 6-12mo emergency fund so you won't have to sell stocks in case of a job loss? My taxable account is ...
by mortal
Fri Dec 07, 2012 1:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 100% stocks 'emergency fund'?
Replies: 24
Views: 2640

Re: Anybody here go all-Linux for personal computing?

I've been using linux since high school. I wanted to be able to write computer programs at home, not just in the school lab. Linux had developer tools for *every* language that wasn't MS exclusive. It was awesome. Parents were convinced it was somehow a ploy to play video games, which is ironic beca...
by mortal
Fri Dec 07, 2012 12:56 am
 
Forum: Personal Consumer Issues
Topic: Anybody here go all-Linux for personal computing?
Replies: 83
Views: 4705

Re: Is this a Really Bad Day?

I periodically set a limit order to automatically buy a few shares when the market slips X% from it's current value. Financially, it makes pretty much no sense or difference. Emotionally, however, it lets me turn a 'bad day' into a 'buying opportunity'. I logged onto vanguard this evening, and what ...
by mortal
Wed Nov 07, 2012 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a Really Bad Day?
Replies: 52
Views: 6517

The compulsive saver

http://books.google.com/books?id=tZ39qX ... er&f=false

I found this excerpt while surfing the web. I fear it's more accurate than I'd like to admit.
by mortal
Tue Oct 09, 2012 12:28 am
 
Forum: Personal Consumer Issues
Topic: The compulsive saver
Replies: 55
Views: 7799

Re: How common is disability, really? (RE: insurance)

One thing to keep in mind is the 'bar' for disability takes into account your education, and the type of work you do. For instance, I have cerebral palsy. I also have a college education and work as a software developer. My understanding is that in order for me to actually be considered 'disabled' w...
by mortal
Wed Oct 03, 2012 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: How common is disability, really? (RE: insurance)
Replies: 19
Views: 1276

Re: any way to 'script' a trade with vanguard?

I did finally get a bookmarklet working. It turned out to be more of an exercise in 'can I do it' than anything useful. To make things easier I used another bookmarklet that loads jQuery since vanguard doesn't appear to be using much beyond a minimal YUI instance. So, the steps: 1. Go to the 'order ...
by mortal
Tue Sep 18, 2012 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: any way to 'script' a trade with vanguard?
Replies: 4
Views: 619

any way to 'script' a trade with vanguard?

So, I keep a few k extra funds laying around outside of my normal 6 month emergency funds. Normally I invest it a few times a year, I try to 'buy the dips', not because it's sound investing strategy, but because it's a psychological trick I use to turn a really bad day in the markets into an 'opport...
by mortal
Tue Sep 18, 2012 12:35 am
 
Forum: Investing - Theory, News & General
Topic: any way to 'script' a trade with vanguard?
Replies: 4
Views: 619

Re: hijacker (PWM) - READ THIS

May I suggest we pursue this via small claims?

The legal costs would be substantially lower. Damages may be capped at 3k around here, but that hurts hard enough to make the point. If he keeps it up, we file another suit using the existing evidence trail.
by mortal
Tue Sep 04, 2012 11:22 pm
 
Forum: Forum Issues and Administration
Topic: hijacker (PWM) - READ THIS
Replies: 130
Views: 11225

Re: Can I afford this quarter life crisis?

One thing I will say, is get the whole 'sports car image' out of your head. Unless you plan on tracking it, you're going to drive it roughly the same way you drive your current car. Why? Because traffic, police, and pure old common sense determine how fast you drive, not how many ponies you have un...
by mortal
Wed Aug 22, 2012 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this quarter life crisis?
Replies: 88
Views: 8152

Re: Can I afford this quarter life crisis?

I was exactly where you were a couple years ago. I bought a used miata, and sold my old ford ranger. One thing I will say, is get the whole 'sports car image' out of your head. Unless you plan on tracking it, you're going to drive it roughly the same way you drive your current car. Why? Because traf...
by mortal
Wed Aug 22, 2012 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this quarter life crisis?
Replies: 88
Views: 8152

Re: forced to take PTO days

My employer does this, and it drives me nuts. We have to take 7 days (about half my vacation) as furlough. I get it if you work at a factory, and they shutdown to re-tool/ do maintenance, etc, but when a software company does it, it's a money grab. Did i mention we get no cola raises, and the 401k s...
by mortal
Wed Jul 25, 2012 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: forced to take PTO days
Replies: 34
Views: 3441

Re: New Job, Awful 401k with The Hartford

I feel your pain. My company's 401k has an average expense ratio of 1.2%, with god knows what fees wrapped on top of that. The only thing close to reasonable is the s & p 500 fund at .66%. Sadly, we get no match. I still contribute the maximum, simply for the tax-deferred space it grants. I figu...
by mortal
Mon Jul 23, 2012 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job, Awful 401k with The Hartford
Replies: 27
Views: 4909

Re: Tipping for Pizza Delivery

Here's my pizza strategy. 1. Put frozen pizza in the oven [usually less than $5]. 2. Watch a 20 minute ted episode, browse the web for 7 more minutes. 3. Eat pizza Honestly, I don't know where pizza places get off charging $12 dollars for a pizza, not to mention delivery that takes just as long as i...
by mortal
Tue Jul 17, 2012 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for Pizza Delivery
Replies: 86
Views: 5708

Re: Taxable investing is a pain in the..

I feel like I'm missing something very important here. When I report losses on a schedule d [i use taxact], I just mark them 'various' and the appropriate drop down for short/long term capital gains/losses. I use the vanguard form for my info. Am I missing something? I don't want to run afoul of any...
by mortal
Wed Jul 04, 2012 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing is a pain in the..
Replies: 28
Views: 3028

Re: Why are you trying to save so much money?

I save about 60% of my income. I save for financial security, and [someday] independence. I got used to getting by on very little in college. My expenses and income have grown by 2x and 10x since then. It's funny, because after you learn about saving and investing for retirement, you begin to see sp...
by mortal
Mon Jun 25, 2012 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 23082

Re: how many bogleheads drive jeep wranglers?

My dad and grandpa owned a jeep, but I have to say, I don't understand the appeal. If you do a *lot* of offroading, I might understand. Then again, pretty much any beat up old f150 or silverado 4x4 will handle 98% of your offroading needs. Roll down the windows, same difference. Heck, my dad's hunti...
by mortal
Thu May 31, 2012 10:47 pm
 
Forum: Personal Consumer Issues
Topic: how many bogleheads drive jeep wranglers?
Replies: 40
Views: 2728
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