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Re: I need a new coffee maker, any recommendations?

If you don't want a Keurig because of the waste/expense, you could try just using reusable plastic cups--you can get a variety pack for $10 from Target, then fill them up with coffees of your choice. That eliminates the issues with a traditional coffee maker, such as scalding, cleaning carafes, main...
by rj49
Fri Apr 18, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2253

Re: Bernstein "blasts financial industry, backs 3-fnd portfo

You can also use the Kindle app on a PC or Mac, so you don't need a Kindle or tablet to read ebooks.
by rj49
Thu Apr 10, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein "blasts financial industry, backs 3-fnd portfolio"
Replies: 15
Views: 3842

Re: Seattle trip at end of May - Any tips?

Instead of the car rental, you might look at signing up for car2go. It allows you to use cool little smart cars parked all around the city and drop them off wherever there's a legal parking spot, for an hourly amount (your membership would also work in other cities where they have the service). Ther...
by rj49
Tue Apr 08, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 22
Views: 1318

Re: TMobile $30 plan...

If you have bad T-mobile reception, you might look at Virgin Mobile, which has a comparable plan for $30 a month and uses Sprint's network. You get more minutes (700 a month) but a lower 4G data limit (2.5GB) before it goes to 3G speed. I bought a last-gen iphone 5 from them for $400 or so, and the ...
by rj49
Mon Apr 07, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 46
Views: 2646

Re: Target Retirement Fund vs 3 or 4 fund portfolio for IRA

In my experience, whatever savings in costs or taxes will be negated as soon as you decided to fiddle with your IRA, which usually means chasing something that's hot or selling out of fear. The best part of a TR fund is that it saves you from yourself, which more often than not the investor's worst ...
by rj49
Mon Apr 07, 2014 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund vs 3 or 4 fund portfolio for IRA
Replies: 10
Views: 940

Re: Frugal Fatigue

You can live frugally while still enjoying life. Using Groupons to enjoy new restaurants, or happy hour menus, or even cheaper lunch prices are a good way. Another way to balance out saving and spending is by allotting yourself a budget, such as using an envelope system. Then anything you don't spen...
by rj49
Sat Mar 29, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9816

Re: Kindle Paperwhite?

If you want the ability to check email or do light web surfing anywhere you can look at a used kindle keyboard. It gets free 3g for slow web surfing, and it has a physical keyboard and page turn, instead of a touch screen. If you want lighting to read, you can also get a used cover with built-in li...
by rj49
Sat Mar 22, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite?
Replies: 36
Views: 3259

Re: William Bernstein-When you've won the game, why keep pla

And don't forget that life always ends badly, for everyone. It ends for everyone, surely, but always badly? I guess we can't poll the participants to find out... You could start a Bogleheads poll. This Forum has its ways of coming up with unexpected answers. Victoria A more important Boglehead ques...
by rj49
Fri Mar 14, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25059

Re: Amazon Prime Increase

I'm not going to renew my student membership. I end up buying too many impulse purchases, so the $40 ends up being hundreds of dollars more. Students also have no choice about opting out of advertising,and any movie I watch has suggestions for paid movies at the bottom, so I'd rather stick with Netf...
by rj49
Fri Mar 14, 2014 2:12 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7662

Re: Moving from WA to CA, when do I change bond funds?

Instead of a Total Bond Fund, you might consider US Treasury funds, which I don't believe are taxed at the state level. With a low taxable income and low current interest rates, you wouldn't pay much at the Federal level either. Buying a ladder of i bonds would also reduce taxation, with inflation p...
by rj49
Tue Mar 11, 2014 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving from WA to CA, when do I change bond funds?
Replies: 7
Views: 663

Re: Tipping for a haircut at Great Clips

Great Clips sells $10 haircut pre-paid cards every December, so for this year I put on enough for a year of haircuts. That way I don't have to bother with coupons, and it makes a $2 tip seem reasonable.
by rj49
Mon Mar 10, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3966

Re: Amazon - now $35 for free shipping (was $25)

Hmm, they just effectively raised the price of "Free Shipping." How long do you think Amazon Prime will stay at $79? My guess is months rather than years. I doubt it. I interviewed for a job at Amazon in Seattle last month, and Two of the interviewers asked me to spell out the pros and co...
by rj49
Sat Mar 08, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Amazon - now $35 for free shipping (was $25)
Replies: 94
Views: 9246

Re: Keurig K-Cups Next Gen

That's why the Vue hasn't caught on, because despite ostensibly better features, people want variety and choice of coffee, whether it be mega-packs of K-cups at Costco or Ecobrew filters to put in your own ground coffee (my choice). If you're going to 'improve' a product, you have to ensure backward...
by rj49
Tue Mar 04, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Keurig K-Cups Next Gen
Replies: 10
Views: 740

Re: Target Retirement Fund or Build your own?

If you try to build your own, the temptation will be great to chase what's hot, add asset classes that are doing well, and generally buy high. It's really hard to buy something that's doing badly or everything thinks will do badly (like bonds last year), so I think since your goal is so far in the f...
by rj49
Tue Mar 04, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund or Build your own?
Replies: 32
Views: 2826

Re: Cancel Verizon cellular ($100/mo) for PagePlus resllers?

A middle choice between a big carrier and the fly-by-night MVNOs would be Virgin Mobile, especially if you like iphones. I picked up a new iphone 5 on them for $400, and then I pay $30 a month for 700 minutes, unlimited texts, and unlimited data (the first 2.5GB per month is LTE speed, then it drops...
by rj49
Sun Mar 02, 2014 3:53 am
 
Forum: Personal Consumer Issues
Topic: Cancel Verizon cellular ($100/mo) for PagePlus resllers?
Replies: 60
Views: 3312

Re: Wrist Watches

I really like my Pebble smartwatch. It's fairly small, the screen uses e-paper so the battery lasts a week or so, and it gives vibrating notifications from my iphone for messages, email, reminders, and incoming calls. It even works with exercise/GPS apps, so I use it as a bike computer and pedometer...
by rj49
Fri Feb 28, 2014 3:18 am
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 5764

Re: Cheap reading for a senior - Kindle or regular books?

For a technologically-challenged senior, I'd actually recommend a used Kindle Keyboard 3G, which you can get on Amazon for $60-80 now. It's simple, easy to use, and after trying out a Paperwhite, I prefer the Keyboard's contrast and readability. I use a $10 IKEA LED reading light, and if I need to r...
by rj49
Sat Feb 15, 2014 1:21 am
 
Forum: Personal Consumer Issues
Topic: Cheap reading for a senior - Kindle or regular books?
Replies: 43
Views: 2415

Re: Input on Vanguard funds[Three-fund portfolio vs. Welling

Wellington owns 150 or so stocks, versus 6000 or more in a 3-fund portfolio. The same goes for bonds: 700 versus 3000 in TBM. Moreover, the Wellington stocks are overwhelmingly large US value stocks (meaning mostly energy/communications/finance stocks), with a few multinational big companies as the ...
by rj49
Tue Feb 11, 2014 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Input on Vanguard funds[Three-fund portfolio vs. Wellington]
Replies: 8
Views: 798

Re: vacation to Disneyworld

I just returned from Disneyland with my sister's kids, 11 and 13. One major time-saver option is single-rider lines--we got on immediately for rides like Indiana Jones and others, saving hours of waiting in lines (a major strain on tempers, especially for kids). The kids really thought it was cool t...
by rj49
Tue Feb 11, 2014 12:29 am
 
Forum: Personal Consumer Issues
Topic: vacation to Disneyworld
Replies: 23
Views: 1802

Re: Fed Retirees - convert TSP to your Roth annually?

I would hesitate before converting out of TSP, because you lose access to the G fund, which despite low current returns, has beat inflation over most of its history and is one of the only fixed income funds that would increase in value in a rising interest rate environment. The L income fund adds a ...
by rj49
Sat Feb 08, 2014 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Fed Retirees - convert TSP to your Roth annually?
Replies: 72
Views: 3541

Re: The Vanguard Wellington Pull

Wellington has performed well over a long period of time because it is low-cost and low-turnover, just like it's index brethren. Well, I'd say having 35% in bonds during the biggest bond bull market in history played a bigger role in its returns and downside protection. And if you look at the capit...
by rj49
Wed Feb 05, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: The Vanguard Wellington Pull
Replies: 32
Views: 3921

Re: Amazon Prime Price Increase

When Netflix had their big price increase I went with the DVDs and dropped the on-line. Netflix on-line didn't work that well anyway. I buy some Amazon stuff, but the 2 day delivery is not a big deal. If they raise their price I'll consider dropping Prime and give Netflix on-ilne another try. Netfl...
by rj49
Wed Feb 05, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7662

Re: Early Retirement Example

He could put half in a muni fund, take dividends and sell 1/30 of shares per year. Then invest the other half in stocks, don't touch them for 30 years, and then ask the same question in 30 years, but for a 55yrold.
by rj49
Wed Feb 05, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Example
Replies: 29
Views: 3492

Re: How do you pay your PenFedVisa gas card?

I keep it nice and simple. Interest from a Penfed CD goes to their money market account, and then I pay off the Penfed card that way. Then I use the rewards to get an Amazon gift certificate (although the points required are now 5,700 for a $50 reward). Your other alternative is to skip that process...
by rj49
Sun Feb 02, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: How do you pay your PenFedVisa gas card?
Replies: 19
Views: 786

Re: Keurig vs normal coffeemaker?

I'm still surprised people find normal coffemakers such a waste. I use a regular not-expensive coffemaker, and I don't drink more than 1 mug a day. I just add enough water to make a small amount - usually 3 cups of water will yield about 2/3rds that, so it's only a hair more than one serving mug. I...
by rj49
Sat Feb 01, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6280

Re: Is there a low cost cell phone plan, limited minutes?

Check local coverage reviews of verizon and tmobile. If the former is strong, go with pageplus through kittywireless. If tmobile is strong, platinumtel is slightly cheaper (pageplus charges a 50 cent monthly fee i believe). Platinumtel also will roll over unused minutes to the next year if you add t...
by rj49
Tue Jan 21, 2014 3:45 am
 
Forum: Personal Consumer Issues
Topic: Is there a low cost cell phone plan, limited minutes?
Replies: 63
Views: 3440

Re: Truck/Car Envy....How do You Deal with It?

Another way to avoid new car/truck desires is to stop watching broadcast tv, which are loaded with enticing ads for them. I switched to Netflix/Hulu/Amazon several years ago, and I'm rather shocked at all the car and truck ads when I watch an occasional football game on tv. I personally try to keep ...
by rj49
Sun Jan 19, 2014 4:22 am
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 4424

Re: Deciding between Vanguard Target Retirement 2040 and 204

The TR also funds don't transfer to the 30% stock allocation of the TR income fund on the year set on the fund, so if you want that sort of allocation on the date of your retirement you can aim for an earlier year. In the end, though, it's likely that the asset allocations will change over the years...
by rj49
Fri Jan 17, 2014 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Deciding between Vanguard Target Retirement 2040 and 2045.
Replies: 15
Views: 1283

Re: Vanguard Star

A lot of people look to Wellington or Wellesley based on past performance, but with STAR you get a similar asset allocation to Wellington but with a great more deal of diversification: number of stocks, types (including small and foreign, which aren't in Wellington), and more managers. The downsides...
by rj49
Thu Jan 16, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Star
Replies: 7
Views: 926

Re: percolator vs drip

I enjoy the Bunn MCU. It has holders for K-cups, ground, pods/teabags, or just hot water, and brews quickly. It only holds up to 12 oz, so it has a small footprint, but enough height for a travel mug. It has a pulse brewing setting, so you can get a stronger and hotter brew over Keurig machines. It ...
by rj49
Thu Jan 16, 2014 4:28 am
 
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 4810

Re: AA in Retirement: Jane Bryant Quinn

While an older retiree has less human capital, she will often have assets that reduce the need for capital, such as social security, a paid-off mortgage, and greater toleration for reduced spending (according to the studies about reduced spending in old age). So I think the increased equity allocati...
by rj49
Tue Jan 14, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: AA in Retirement: Jane Bryant Quinn
Replies: 46
Views: 3472

Re: Capital One Quicksilver: 1.5% reward, thoughts?

People always seem to overlook Discover, which keeps getting more generous and convenient, whereas others seem to get more stingy. I got 5% on any internet purchase the last quarter of 2013, one quarter they had 5% back on gas, and for the first quarter of this year I get 5% back on movies and resta...
by rj49
Tue Jan 14, 2014 2:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One Quicksilver: 1.5% reward, thoughts?
Replies: 91
Views: 7378

Re: Mini Cooper or Fiat 500?

Honda Fit...AKA The Go Cart 2014's will be out shortly with funkier colors. Or try to get a great deal on a 2013 right now. 0.9% financing (up to 60 months) in my area until 11-4-13. BTW, no I do not work for Honda. :sharebeer I'm looking at the 2014/2015 Fit also, mainly for the storage options in...
by rj49
Thu Jan 09, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 3816

Re: Total Bond Fund vs TIPS vs I Bonds vs Munis?

I think that uncertain future for bonds, interest rates, and inflation makes wide diversification a good idea. You can max out ibonds, which are tax-deferred and won't use up space in retirement accounts, as TIPS would. A muni fund would also give some tax-free bond allocation to your taxable accoun...
by rj49
Tue Jan 07, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Fund vs TIPS vs I Bonds vs Munis?
Replies: 10
Views: 1281

Re: Expected Future Market Returns

I thought this was a concise, well thought out treatment of that very question. http://www.schwab.com/public/schwab/resource_center/expert_insight/investing_strategies/portfolio_planning/qa_estimating_long_term_market_returns.html Rick Ferri also does 30-year forecasts on his website. In my 30 year...
by rj49
Mon Jan 06, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expected Future Market Returns
Replies: 31
Views: 2418

Re: Rebalancing and the TSP

One of the differences with the TSP over regular mutual funds is the non-volatility of the G fund. So you might get less rebalancing benefit, since you're not buying bonds on sale, as you might with a bond fund with negative returns, or take profits as you would, say, in 2008/2009 with a Treasury fu...
by rj49
Sat Jan 04, 2014 1:59 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing and the TSP
Replies: 39
Views: 2775

Re: Should I opt out of my bond allocation?

If you're bond-averse or wary of them now, there are other approaches: --invest in ibonds and then tell yourself they'll keep up with inflation and will never lose principal..plus TreasuryDirect is such a pain to use that you won't be tempted to frequently check your values :) --avoid balanced funds...
by rj49
Fri Jan 03, 2014 2:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I opt out of my bond allocation?
Replies: 47
Views: 3508

Re: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strate

I am a federal employee (GS11). My wife and I, both 33, have done well saving, given our income and the fact that we have 4 kids including twin babies. Right now we have ~50K each in Roth IRA's at Vanguard, I have ~90K in my traditional TSP and she has ~15K in her 401K at Fidelity. Historically, we...
by rj49
Mon Dec 30, 2013 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fed Employee; TSP vs Vanguard Roth IRA Allocation Strategies
Replies: 7
Views: 636

Re: Do you ever feel you are being too frugal?

Over the past couple years, I have slowly morphed my spending habits for the better. Ive always made a respectable salary but I never maintained a budget or managed my funds properly. After reading many books on money management and lurking this forum now for quite sometime, I have gone to the othe...
by rj49
Mon Dec 30, 2013 2:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel you are being too frugal?
Replies: 65
Views: 5092

Re: Retiring in a "no state income tax state"?

A couple other good points brought up... Very true, don't think that a no income tax state is set in stone and would never change. Here in WA, they bring up imposing an income tax every couple years or so. Of course it always gets shot down, but doesn't mean they don't think that way at the state l...
by rj49
Sun Dec 29, 2013 1:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring in a "no state income tax state"?
Replies: 101
Views: 11644

Re: Buy tips now?

Just because a fund is down does not make it a good or bad buy. If I was considering Vanguard's longer duration TIPS fund I would think about buying the actual bonds either in a brokerage account or from Treasury Direct. I have owned both the fund and some actual 10 year TIPS and prefer the later. ...
by rj49
Sat Dec 28, 2013 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Buy tips now?
Replies: 46
Views: 3845

Re: New PenFed CD rates!

Yep, you are right. TE yield for PenFed stays the same as 3.04% if held for 5 years, thanks! I don't see myself holding the PenFed CDs for full 5 years if the interest rates go up. I plan to break the CD and roll it into a the CD with a newer better (hopefully) rate and build a ladder. So the TE yi...
by rj49
Fri Dec 27, 2013 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33201

Re: Big change in Wellington

To me, this example of distributions is why taking dividends doesn't make sense. As clearly noted, a dividend distribution lowers the NAV. If you don't reinvest the dividend you are tapping total return, and you don't get to decide when to make the distribution. Reinvesting the distribution automat...
by rj49
Fri Dec 27, 2013 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Big change in Wellington
Replies: 30
Views: 3426

Re: Thinking about chucking it all and going Wellington

Original Poster here. Thanks for the continued comments. Couple of reactions. Good point about asset location. For myself, I am only considering the W's in a tax deferred account (401K). As I reflect on what seems to be driving me to consider the W's. Its the Fixed income/bond part as I get closer ...
by rj49
Wed Dec 25, 2013 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about chucking it all and going Wellington
Replies: 72
Views: 7430

Re: Wellesley backtesting results vs. 30/70, 40/60, 50/50, 6

I think any conclusions based on interest rates falling from the extremely interest rates of the early 70s to current historically low rates are unlikely to provide much predictive power for investing over the next few decades, and I believe the dividend stocks that Wellesley emphasized yielded 4-5%...
by rj49
Wed Dec 25, 2013 2:24 am
 
Forum: Investing - Theory, News & General
Topic: Wellesley backtesting results vs. 30/70, 40/60, 50/50, 60/40
Replies: 14
Views: 2337

Re: New PenFed CD rates!

Laid the hammer on the wife today. Told her I was weary of all this stuff, and would be cashing in my IRA CD at First Republic in January, having them withhold the taxes, and just plop into our savings account. Mind you, it's not a huge CD (some might describe as a rounding error). As Wm. Bernstein...
by rj49
Mon Dec 23, 2013 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33201

Re: Kindle Paperwhite web browsing experience

Hello, I'm curious specifically about the quality of the web browser experience on the latest Kindle Paperwhite . Can you share your experience with this feature? I read a lot of websites and bulletin boards (CNN, Gawker Media, Bogleheads, etc) on my iPhone 5 and I'd like a larger screen, but I dis...
by rj49
Fri Dec 20, 2013 1:59 am
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite web browsing experience
Replies: 9
Views: 982

Re: misguided interest in div strategies

The story isn't complete without considering retirees who are in the process of decumulating their portfolios to provide income. The total return from stocks paying high dividends is more predictable than the return from stocks paying low dividends, simply because a larger portion of that return co...
by rj49
Wed Dec 18, 2013 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: misguided interest in div strategies
Replies: 200
Views: 12940

Re: Open Course: Econ 252 taught by R. Shiller

Another interesting aspect--a guest lecture by David Swenson in week 6. Too bad nobody from here can show up and ask how much to invest in REITs now :happy .
by rj49
Sun Dec 15, 2013 3:22 am
 
Forum: Investing - Theory, News & General
Topic: Open Course: Econ 252 taught by R. Shiller
Replies: 16
Views: 1426

Re: Traveling Wifi ?

You can check with your cellphone provider to see if they offer mobile internet devices (also called mifi). Clearwire also has modems you can plug in anywhere they offer coverage, although they're owned by Sprint now. Virgin Mobile also offers mobile internet devices--I use them for a cheap iphone p...
by rj49
Thu Dec 12, 2013 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Traveling Wifi ?
Replies: 31
Views: 2406
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