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Re: V6 or V8 engine for new Chrysler 300

Question, do you spend more time on two lane country roads, or in city / interstate traffic? If you spend a lot of time driving country roads, you'll need the power to pass quickly. I would go with the 8 cyl. If you drive mostly on city streets passing is either not allowed, or like interstates, you...
by mortal
Fri Sep 12, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1731

Re: Variable Percentage Withdrawal (VPW)

Up until now, I've been using a SWR of 3% to forcast my number... myNumber = myYearlyExpenses / 3% I was all excited about having a new formula til I attempted to to adjust it for a 50% loss on a 50/50 stock / bond AA .75 (50% loss on 50/50 s/b AA) * .041 = .03075 right? Or, roughly 3% Seems I'm rig...
by mortal
Tue Sep 02, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 478
Views: 56253

Re: Is buying two SUVs a sane/good financial move?

Ugh, people seem to have a fundimental misunderstanding of what ESC does. It tames oversteer / understeer conditions. It does *not* give you any more grip to avoid the accident. Just for an example, a honda accord can pull .87 latteral g on the skid pad. A Honda CR-V can only pull .78 (source C&...
by mortal
Mon Aug 18, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 4025

Re: Is buying two SUVs a sane/good financial move?

I also vote for the driver course. I've done the two day driving school myself. http://skipbarber.com/driving-programs/ In my experience driving a truck, the heavier the vehicle, and the higher the center of gravity, the harder it will be for you to *avoid* an accident in the first place People talk...
by mortal
Sun Aug 17, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 4025

Re: That sudden moment when Money is not a Problem

Sorry to hear that; we're all mortals. Boy, don't I know it!* ;) Cut, sorry to hear about your friend. It wouldn't really trouble me to 'drop dead' at a certain age, having money left unspent. At best, I'm in a better place. At worst, I'm not around to regret it. However, being given a terminal dia...
by mortal
Mon Aug 11, 2014 1:07 am
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6820

Re: HDHP vs PPO (least bad choice)

Update : verified oop max $2500 in network 2x out
Everything beyond deductible is covered 100%

Single, No dependants
by mortal
Wed Aug 06, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (least bad choice)
Replies: 13
Views: 848

Re: HDHP vs PPO (least bad choice)

I believe the oop max is 5k, but with the plan covering 100% after 2500 for in network , I think it's hard to get there short of an ambulance taking you to an out of network hospital. Prescriptions are also covered. I take one generic prescription / mo. Runs me 10 at Walmart. I have cp, but it is a ...
by mortal
Wed Aug 06, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (least bad choice)
Replies: 13
Views: 848

HDHP vs PPO (least bad choice)

Howdy folks, We're having 'open enrollment' at my employer. I have a choice between two health plans at the moment, and would like help chosing between them. 1. $86 / mo. PPO $1500 deductible 10% Co-Insurance after deductible is met, $100 Rx deductible. 2. $40 / mo. HDHP $2500 deductible. For those ...
by mortal
Wed Aug 06, 2014 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (least bad choice)
Replies: 13
Views: 848

Re: How Much Did You Lose Today?

Honestly didn't even realize the stock market fell today. I still haven't checked how my portfolio did, nor do I intend to. I always like to keep a little bit sitting in cash till either the end of the month, or a bad drop. Whadya know, today was both! Orders submitted! It's inconsequential in the b...
by mortal
Fri Aug 01, 2014 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15407

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: 10580

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: 1606

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: 5352

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: 10724

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: 4961

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: 4400

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: 4515

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: 5500

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: 1467

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: 4299

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: 3910

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: 7210

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: 518

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: 3410

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: 12511

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: 1497

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: 1497

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: 186

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: 1921

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: 572

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: 9776

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: 4379

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: 7101

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: 2283

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: 5465

'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: 1664

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: 506

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: 3266

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: 810

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: 810

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: 3043

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: 3043

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: 2601

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: 2601

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: 2680

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: 4829

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: 6580

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: 8066

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: 1306

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: 657

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: 657
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