Search found 236 matches

Return to advanced search

Re: Advice wanted on first computer purchase since 1982!

I would go for a Macbook with retina display, if you do a lot of eye-straining data work. You can compare different ones in a store that sells Macs, and then choose one with the best processor for meeting your needs, but I think sufficient memory will be just as important if you're doing a lot of co...
by rj49
Fri Jul 25, 2014 2:43 am
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 58
Views: 2107

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

If you want to wait until later in the year, you could check out the upcoming crossover Honda HR-V. It's based on the new Fit, but with greater size, and presumably it will have all the current features that might appeal to you, including the Magic Seat of the Fit with incredible internal storage. I...
by rj49
Fri Jul 25, 2014 2:30 am
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 30
Views: 1711

Re: Seeking sample retirement portfolios

If you're MIL is an unsophisticated, risk-averse investor, as my mother is, then talking slice and dice and a complex portfolio would probably just baffle her, and if she saw the stock portion getting hammered she might rush to bonds, cash, or a slick annuity salesperson. At the same time, all-in-on...
by rj49
Fri Jul 25, 2014 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking sample retirement portfolios
Replies: 13
Views: 1023

Re: Which kind of bike for recent retiree?

If you want a fun experience where you get some exercise at the same time, you might try an electric bike. I've been a tourer, a mountain biker, and an urban commuter, but a sore knee encouraged me to get an electric bike that has the best features of a moped and a bike (meaning it pushes you along,...
by rj49
Mon Jul 21, 2014 2:27 am
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2563

Re: Buy a condo for college?

Stuff happens, too. Maybe one won't want to go to the 'family university', and there's no guarantee that both will finish, especially not in the usual 4 years. Maybe they'll want to spend a junior year abroad also, or take time off before finishing, or transfer elsewhere. Then having a dorm meal pla...
by rj49
Sun Jul 20, 2014 3:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2377

Re: Honda Fit, Civic

Great input! I live in CT and visit NH often in winter. CRV is larger than I want but the upcoming HRV is of interest. Is there a reason you can't wait for the HRV to come out, if it interests you? If you can wait 6 months, you can see if the HRV turns out to be something you'd want more. Maybe it ...
by rj49
Sun Jul 20, 2014 2:41 am
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 3029

Re: Best CC for (new) purchases

Capital One 1.5% back on everything, no limits. The problem with rewards cards, especially with categories, is that it encourages spending on things you might not ordinarily spend so much money on. For instance, Discover gave 5% back on all online purchases in the 4th quarter last year, so I found m...
by rj49
Sun Jul 20, 2014 2:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 3100

Re: Memory foam mattresses - any insight?

Personally, I hate memory foam, because it indents and keeps you in one position, so it's like you're stuck in a cookie mold. I went with a different, insanely cheap option on Amazon, which was high-density foam with a euro-top softer foam, for $160 for a full. It's actually quite soft without being...
by rj49
Sat Jul 19, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 52
Views: 3334

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

Most of us tilt in a much larger way, by not holding the market share of international equities, and certainly not the international share of bonds. We find arguments to rationalize it, such as currency risk and lax accounting standards, but it just seems like market timing, because nobody invested ...
by rj49
Fri Jul 18, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 72
Views: 6548

Re: TSP G as treasury holding

The scenario where it wouldn't be a good idea would be a 2007-2009, with falling rates and flight to quality pushing down yields and resulting in capital gains while everything else is falling (including the yield on the G fund). A lot of the grousing about all the Treasuries in the TBM conveniently...
by rj49
Fri Jul 18, 2014 3:19 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP G as treasury holding
Replies: 10
Views: 752

Re: Approximating 3-fund portfolio with limited Spartan fund

I'm of the opinion that the more time you spend fine-tuning and fiddling with your retirement portfolios, the worse off you'll be. Mr. Bogle advocated an SP500 for decades, so by going that route with Fidelity you'll get almost total correlation with a TSM fund--when big stocks are doing better you'...
by rj49
Mon Jul 14, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approximating 3-fund portfolio with limited Spartan funds
Replies: 5
Views: 961

Re: Ditch car and commute to work in 250cc scooter in Raleig

I considered a scooter to get around on sunny days, but in the end I decided an electric bike was a better option, because of no fuel costs, getting some exercise, ability to store inside and protect it from thieves and rain, and being able to ride in bike lanes on the side of the road or paths inst...
by rj49
Sat Jul 12, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 70
Views: 4721

Re: Tiny House Movement

They lose me at composting toilet. Apart from the toilets, other parts that turn me off in such a movement is living on someone else's property usually, and a certain hip snobbery inherent in the whole movement (I suspect many of the tiny house owners do it just to get blog income and the social ca...
by rj49
Fri Jul 11, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15697

Re: What ONE investing book or article for skeptical sibling

The Bernstein booklet would be a good start, since it gives the basics of sensible investing, regardless of age. You can download it in an emailable format for free from efficientfrontier.com. A good site I use for coming back to reality after gloom-and-doom headlines by supposed market gurus is thi...
by rj49
Fri Jul 11, 2014 3:07 am
 
Forum: Investing - Theory, News & General
Topic: What ONE investing book or article for skeptical sibling?
Replies: 30
Views: 2863

Re: Toys for a Lazy Cat

I read "Cat Sense" by John Bradshaw, and he did some research that indicated cats are like humans, in that they just get bored with new toys eventually, so you have to constantly look for new ways to stimulate their curiosity and pouncing/chasing instinct. I have sibling cats, so they get ...
by rj49
Mon Jul 07, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 2878

Re: Do Wellesley's Equities Outperform?

I love the idea of W/W too, and have invested in it, but do you really want to risk your future on 50 large value stocks (all of which are well-represented in an index fund)? Or a balanced fund that has 65% in bonds after a 40-year bull market in bonds (that can explain most of Wellesley's success),...
by rj49
Fri Jul 04, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Do Wellesley's Equities Outperform?
Replies: 41
Views: 4784

Re: Stick with Vanguard or take Fidelity "special deal"?

I am 100 percent with Vanguard, but have been thinking of switching to Fidelity because of serious dissastisfaction with repeated incorrect data displayed on Vanguard's website concerning transactions and performance of my account (and I am a Flagship customer). When I have complained to Vanguard a...
by rj49
Thu Jul 03, 2014 3:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3061

Re: NY Yankees seats - best value?

I think the bleachers are a ton of fun. Last time I went I only spent 15 or 20 buying on stubhub. Obviously you can't see the game as well out there, but you obviously don't feel as obligated to stay in them all game either. I remember going to a Yankees game in their old stadium, and the crowd in ...
by rj49
Mon Jun 30, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: NY Yankees seats - best value?
Replies: 12
Views: 914

Re: Bernstein: Don’t Bother With Intnational Bonds

I'm sensing some home bias in the 'those unreliable foreigners with their defaults' versus 'full faith of the US government', when the US was closer to defaulting on government debt than any of the countries that make up the main composition of the VG international bond fund (it has 0.0 invested in ...
by rj49
Sun Jun 29, 2014 2:46 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9028

Re: Kindle - Which one to buy?

The two I have are the basic Kindle, which is pleasant and nice and has physical page-turn buttons on the side, and the Kindle Keyboard, which has the same features and has physical letters below the screen for easier searching. It also is the only device I know of that gives you free 3G web searchi...
by rj49
Sun Jun 29, 2014 2:13 am
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2036

Re: HY Savings, CDs, I-bonds, TIPS, Treasury Fund

I'm in the 'hedge-your-bets' camp regarding fixed income, especially after a 30-40/yr bull market in bonds. To just say 'put it all in TBM for simplicity's sake' seems to me to be the equivalent of 'just put it all in the SP500' in 1999, especially with those desperate for yield going for high-yield...
by rj49
Fri Jun 27, 2014 3:24 am
 
Forum: Investing - Theory, News & General
Topic: HY Savings, CDs, I-bonds, TIPS, Treasury Fund
Replies: 16
Views: 2509

Re: Paul Merriman article: every investor needs Small Cap Va

It of course isn't too surprising to hear a guy who sells DFA funds for a living (http://www.merriman.com/author/paul/) talking up small value stocks. There are folks (Bogle, Swensen, etc) who tell you SV investing is a waste of time. Then there are folks (Bill Bernstein) who tell you it might work...
by rj49
Wed Jun 25, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman article: every investor needs Small Cap Value
Replies: 127
Views: 6742

Re: Retired Bogleheads want to relocate to California

Living right next to the beach is pretty cool but can have its drawbacks. Two I can think of are salt air corrosion and tsunamis. Perhaps. My partner is so averse to flooding, landslides, and other 'scary unusual water events' that it will probably prevent me from ever attaining the goal of beach/l...
by rj49
Tue Jun 24, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6841

Re: I Bonds 5.27% interest

I see I undervalued that IBond! I Bonds are the closest thing out there to a free lunch in my opinion. Guaranteed principal, tax deferred, inflation adjusted, state/local tax exempt, totally liquid after the first year...where else can you find something like that? Except when inflation is low for ...
by rj49
Sun Jun 22, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3657

Re: Budget or create saving buckets?

One virtue of having multiple accounts, beyond mental accounting and motivation, is to take advantage of higher rates for longer-term goals. For instance, if you're planning for a new car in 7 years, you could have put a chunk of cash in a 7-year Penfed CD at 3% earlier this year. Then you could als...
by rj49
Fri Jun 20, 2014 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7390

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

Yeah it's funny how when Mr. Bogle makes a reasonable stock/bond return estimate based on the Gordon equation we agree that it makes sense, but when Dr. Bernstein does it we pick it apart. I don't remember the same criticism of Rick Ferri's 30-year forecasts either. Dr. Bernstein also has written ab...
by rj49
Wed Jun 11, 2014 10:34 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17135

Re: Customer service - Vanguard vs Fidelity

Well, I hardly think that a random internet message board is a dependable sample, especially since any message board or review site can have shills posting positive reviews or negative ones of one's competitors. It also seems to be the case that most people that have always been happy with a product...
by rj49
Sat Jun 07, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Customer service - Vanguard vs Fidelity
Replies: 93
Views: 8883

Re: 529? What if they don't go to college

Everyone is in a different situation but remember we are talking about those in a position to overfund a 529. Those folks will be unlikely to see the 15% tax bracket. In the event I ever saw the 15% bracket I might realize a few LTCG at 0% but it would also be tempting to convert some of my traditi...
by rj49
Sun Jun 01, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: 529? What if they don't go to college
Replies: 70
Views: 5977

Re: Grand Canyon

If you want to spare the rental car/driving hassles, just fly into Las Vegas and do a tour bus to the Canyon, and to Hoover Dam if you want (especially if you can avoid losing money through gambling). The excess and glitz of Vegas makes a nice contrast with the natural beauty of the Canyon too (alth...
by rj49
Wed May 21, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4138

Re: Things to consider/ask when buying a condo

I second the part about taking the time to check out neighbors, both immediate and others in the building, especially anyone living above you. After buying a condo in Seattle, seduced by the location, I discovered my upstairs neighbor was a kid whose parents bought the place to get rid of him and le...
by rj49
Mon May 19, 2014 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Things to consider/ask when buying a condo
Replies: 26
Views: 2194

Re: West coast snowbird questions

Personally, instead of spending all the money and related hassles for a separate condo in a sunny climate, I'd just stay in an extended stay hotel for a winter escape. Then you're not stuck bored in one place year after year, and as others said, northwest winters really aren't that bad, especially i...
by rj49
Sat May 17, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: West coast snowbird questions
Replies: 14
Views: 1253

Re: Ads in Yahoo email inbox that aren't email

It's part of Yahoo's latest attempt to survive, through ads everywhere. Their finance section used to be informative and interesting, but now it's just a lot of fake news headlines linking to ads and external sites. I only use yahoo mail now for sites that I suspect will send me junk email, so my ma...
by rj49
Fri May 16, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 21
Views: 1683

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

The problem with that statement is that forever can be a lot longer than you want to wait. We think of the current rates as abnormally low since we compare them to the 70s/80s/90s. Compare them to the 30s/40s/50s and our current rates look at the low end (-1%) of normal. Are we entering another 30 ...
by rj49
Sun May 04, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 264
Views: 32616

Re: Free credit score for Cap One Quicksilver cardholders

I just like the simplicity of the card, with no points (that are constantly devalued), and it doesn't have rotating categories for increased cash back that cause me to increase my spending to get the 'reward'. Plus I'm storing my new-car money in the Capitol One 360 account, currently paying .75% (f...
by rj49
Sat May 03, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit score for Cap One Quicksilver cardholders
Replies: 13
Views: 904

Re: Allan Roth: "Don't Buy It" (AARP Magazine)

This was a fun piece to write. Apparently, I have offended the timeshare industry. I'm expanding from offending the insurance industry, brokerage industry, and much of the mutual fund industry. You and the creators of South Park. There was a classic episode several years ago (if one likes highly ir...
by rj49
Sat Apr 26, 2014 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: Allan Roth: "Don't Buy It" (AARP Magazine)
Replies: 21
Views: 7370

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: 66
Views: 14136

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: 4162

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: 23
Views: 1915

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: 52
Views: 12065

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: 1051

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: 10841

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: 3680

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: 264
Views: 32616

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: 9142

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: 708

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: 4309

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: 9477

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: 777

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: 3021

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: 3772
Next

Return to advanced search