Search found 275 matches

Return to advanced search

Re: Fixed-Fee Advisor in Texas

Scott Burns has a company in Plano, TX, called AssetBuilder. He was a personal finance columnist in a Dallas newspaper for some time and originated the Couch Potato Portfolio of 50/50 stocks/bonds. He also wrote a lot about downsizing in retirement (he even tried living in an Airstream trailer for a...
by rj49
Sat Oct 11, 2014 2:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed-Fee Advisor in Texas
Replies: 14
Views: 1383

Re: Time to go back to cash and ditch the Credit Card?

There are several studies that show that people using credit cards spend much more than those using cash. Target's RedCard led to a big increase in store spending (I've overspent there because of the card), and McDonalds customers spent much more per visit when they put in credit card machines. The ...
by rj49
Sat Sep 27, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Time to go back to cash and ditch the Credit Card?
Replies: 39
Views: 3285

Re: Amazon.com as a selling service

For niche items, eBay is your best bet, I think, since you're more likely to come in contact with niche buyers, particularly for collectibles, antiques, clothing, and dishes (my sister just sold her wedding china on there, which has languished on craigslist for years). Amazon is best for popular ite...
by rj49
Mon Sep 22, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com as a selling service
Replies: 17
Views: 1837

Re: Guidance moving to Seattle

To follow up on carless life, the most popular way to visit Vancouver and Portland for the young and carless is BoltBus, which is a nice clean bus with wifi with no stops except the big cities, no odd Greyhound types, and fares as low as $1. For skiing, there are various bus services also that go to...
by rj49
Sat Sep 06, 2014 3:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 21
Views: 1965

Re: Guidance moving to Seattle

Both lower Queen Anne (around Seattle Center) and Ballard have dozens of new apartment complexes going up, which might push prices down a bit. The former is a 5-minute bus ride from downtown, and Ballard has a Rapid Ride bus that can take a bit longer, but not as long as the bus routes from Green La...
by rj49
Sat Sep 06, 2014 3:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 21
Views: 1965

Re: How to avoid REITs in index funds for taxable?

Whatever changes you make will have more impact than the negligible tax costs of REITs in the TSM (possibly higher ER for a cobbled-together portfolio, along with potential gains passed over). The correlation between the SP500 and TSM is fairly high, so REITs aren't going to really have any major ef...
by rj49
Thu Sep 04, 2014 2:58 am
 
Forum: Investing - Theory, News & General
Topic: How to avoid REITs in index funds for taxable?
Replies: 3
Views: 441

Re: table suggests total bond not best as diversifier

You have to ask yourself how much benefit you could get in a downturn that would benefit LT Treasuries versus the severe losses that could result if and when interest rates climb. Looking at the past doesn't really account for the cost/benefit analysis of interest rates starting at such a low level....
by rj49
Sun Aug 31, 2014 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: table suggests total bond not best as diversifier
Replies: 20
Views: 2058

Re: Need another bank besides Capital One

DiscoverBank gives a 10-cent cashback for checks, ATM card usage, and other things, as well as sign-up bonuses that would probably surpass whatever interest you'd get from another bank. For those who live in WA, BECU gives 4% back on the first $500 in checking and savings. I also like Penfed for the...
by rj49
Fri Aug 22, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need another bank besides Capital One
Replies: 24
Views: 2093

Re: I don't have enough cash for index funds

I personally would avoid ETFs, especially for a new investor. It's just too easy to chase what's hot, to constantly fiddle with your portfolio or follow some popular portfolio (remember not too long ago when everyone was gaga over Harry Browne?). If you read Mr. Bogle on ETFs, he'll give good reason...
by rj49
Fri Aug 15, 2014 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 3908

Re: Mac Airbook

Have you considered an imac? I bought an open-box model for $1200 on MacMall a few months ago, with a glorious 27" screen and impossibly-thin edges, and it has 1TB of memory, so you'd never run out of storage. If you search on imac on MacMall, you can see all their options (and they give free s...
by rj49
Thu Aug 14, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3321

Re: Vanguard Balanced Index vs. Vanguard Lifestrategy Modera

You might look at Wellington as compared to Balanced index. Agree that 50 years is a long time and balanced funds perhaps too conservative. investor One of the problems with Wellington over a 50-year period is that it has completely changed its investing philosophy and focus over the past 50 years,...
by rj49
Wed Aug 13, 2014 3:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate
Replies: 17
Views: 1929

Re: Renting forever: financial suicide?

The unstable and uncertain status of marriage, employment, and other factors are good arguments to support a renting lifestyle, especially in a place where most housing is unaffordable for most. Either if you could lose a job, which could jeopardize paying a mortgage, but if you needed to move elsew...
by rj49
Mon Aug 11, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11299

Re: PenFed v. Truecar v. BJs v. Costco auto buying

If you live in a larger city, you might be able to find a reputable, capable auto broker who will do everything for you, without all the hassles. Most people pay 6% of a home price to have realtors do the negotiation and we pay a yearly fee to have Vanguard experts buy and sell the stocks and bonds ...
by rj49
Mon Aug 11, 2014 2:01 am
 
Forum: Personal Consumer Issues
Topic: PenFed v. Truecar v. BJs v. Costco auto buying
Replies: 24
Views: 4710

Re: 3.3% Vanguard 10 year CD

You could have had up to 7 years at 3% last January through Penfed, and every year around that time they've offered superior long-term CD rates, with the penalty of a year's worth of interest for breaking it early. I had a ladder set up of 6.25% in 2007, then 5% or so a few years later, so if you st...
by rj49
Sat Aug 09, 2014 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 10286

Re: Going 60+% international? (US resident)

Buying low makes sense, unless you were investing internationally in the 1990s, when Japan dragged down the international indices. There's some cultural/home bias to rationalize all the underweighting of international, such as Europe being all geriatric socialist societies (when China, Japan, and ev...
by rj49
Sat Aug 09, 2014 2:53 am
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 83
Views: 6179

Re: Who or what inspired you and your investing approach?

Joe Dominguez, in his "Your Money or Your Life" book, who along with Thoreau, gave me the inspiration to save for early retirement in my early 40s. His investing approach, not a bad one at the time, was to invest in LT Treasury bonds, then yielding well over 10% (I suppose a LT Treasury bo...
by rj49
Fri Aug 08, 2014 1:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4632

Re: Moving? The US Post Office Offers Discount Coupons

I don't know if it's still offered, but for a move last October I got a 10% Target coupon on the change-of-address site, good for anything in the store, with no purchase limit. So I not only got some stuff for my new place, but I also got 15% off an ipad and other things (combined with the 5% Target...
by rj49
Fri Aug 08, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: Moving? The US Post Office Offers Discount Coupons
Replies: 11
Views: 2005

Re: Telephone Calls! Help!

Get a pay-by-the-minute cell phone to use as your 'landline' and then simply keep it turned off. T-Mobile pay-as-you-go stores phone messages online, so I can see who called and listen to messages that way, instead of being bothered by telemarketers. If it's a repeat solicitor, I just delete the mes...
by rj49
Fri Aug 08, 2014 1:17 am
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7553

Re: Considering buying a Prius or a Volt

Have you looked at the Honda Accord plug-in hybrid? It seems more family-car oriented, and since it also allows running just on electricity, might give higher fuel savings over a Prius. It's also eligible for HOV in CA, along with the usual tax credits. The next-generation Prius is supposed to have ...
by rj49
Thu Aug 07, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2742

Re: Current Relevance of Short Term Bonds - Bill Bernstein Q

A safe alternative that would satisfy Dr. BIll's criteria would have been investing in 7-year Penfed CDs starting in 2007. It would have brought a 6.25% compounded yield from 2007-20014, and it could have been reinvested in January for another 7 years at 3%. No clothespin needed (except at tax time)...
by rj49
Wed Aug 06, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Current Relevance of Short Term Bonds - Bill Bernstein Q
Replies: 11
Views: 1237

Re: Target Date Fund vs. 60/40 Allocation

I wouldn't switch out the Vanguard funds in your 401k for a Wells Fargo one, because of higher prices and what is probably an inferior portfolio, with a high possibility of added fees and expenses when it came time to withdraw. I would hedge my bets and allocation by keeping the Vanguard funds in yo...
by rj49
Wed Aug 06, 2014 2:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 60/40 Allocation
Replies: 9
Views: 1252

Re: Best Coffee Maker? What do you have?

Folks, For people using Aeropress, are you brewing the coffee using the normal Aeropress process or the inverted Aeropress process?? KlangFool I vary between regular and inverted. I had problems with leaking around the filter, but then found a metal filter on Amazon that greatly reduces the problem...
by rj49
Wed Aug 06, 2014 2:17 am
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6305

Re: Exchange Explorer (VEXRX) for Small Cap Index (VSMAX)?

Sounds good to me, especially since there won't be tax consequences. If you have the nice luxury of being retired and not needing to touch the IRA for 20 years, you should get some good compounding and returns over the years, while Explorer will have manager changes, times of underperformance, and t...
by rj49
Tue Aug 05, 2014 5:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Exchange Explorer (VEXRX) for Small Cap Index (VSMAX)?
Replies: 1
Views: 211

Re: REITS-worth the time to add 10% into portfolio

Ask yourself why you don't add other VG sector funds for diversification, such as Energy, Health Care, or Precious Metals, all which have also had some great returns at times. You can also ask if you would have been so anxious to invest in them in 2007-2008, when they crashed more than the overall m...
by rj49
Tue Aug 05, 2014 5:14 am
 
Forum: Investing - Help with Personal Investments
Topic: REITS-worth the time to add 10% into portfolio
Replies: 33
Views: 2735

Re: I Strayed From The Path...Forgive Me.

A lot of us dipped out toes into the water of buying individual stocks, especially during the latter 1990s when the direction of everything was up. Then 1999 came along and we that stocks drop too. There's nothing wrong with playing around a bit if you have sufficient resources, though, and even sev...
by rj49
Mon Aug 04, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 26
Views: 3638

Re: Suze Orman - Doesn't Like Target Date Funds

In terms of the retail arena, VG is about the only company one should do target date/balanced funds with. In 401Ks, there seem to be better options in some cases. The non-VG target date funds in my 401K charge .12%. I have to disagree here; T. Rowe Price has one of the absolute best assortments of ...
by rj49
Sun Aug 03, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman - Doesn't Like Target Date Funds
Replies: 26
Views: 3859

Re: planning to travel a lot soon...how to build up points?

https://www.penfed.org/PenFed-Premium-Travel-Rewards-American-Express-Card/ This one has travel rewards,an initial spending bonus, and no foreign transaction fees. On the other hand, if have enough money to travel widely, why not just use something like the Capital One card that pays back 1.5% on ev...
by rj49
Sat Aug 02, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: planning to travel a lot soon...how to build up points?
Replies: 14
Views: 1292

Re: How does car trade-in work?

You might look at finding a reputable auto broker to just deal with all the hassles and haggling for you. I think one I looked at in Seattle charged $400, had good reviews on yelp, and arranged purchasing a new car and selling the old one, so you don't have to even set foot in a dealership. To me it...
by rj49
Sat Aug 02, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4589

Re: Dividend Strategy Ain't For Everyone

The dividend strategy is being used by advisors and finance professionals to assuage the fears of those trying to find an alternative to miserable bond yields. They promote dividend stocks as an equivalent to bonds, neglecting to mention to what happened to dividend funds that were loaded with high-...
by rj49
Fri Aug 01, 2014 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11510

Re: Are utility stocks no longer safe?

I just read an article about how utilities will be one of the areas hardest hit by a rise in interest rates. The reason is pretty simple--people flock to them for high dividends, as they have to REITs, so if bonds raise their dividends then people will go for the safer bet with a competitive yield. ...
by rj49
Fri Aug 01, 2014 11:39 pm
 
Forum: Investing - Theory, News & General
Topic: Are utility stocks no longer safe?
Replies: 22
Views: 2161

Re: Cheap Carnival Cruises

If you want a short cruise in a sunny area, you might look at the ones out of LA to Baja California. They have ones as quick as 3 days, with a stop in Ensenada and Catalina Island. Prices are very cheap. You can get a longer cruise that goes to Cabo as well. There don't seem many cruise lines going ...
by rj49
Fri Aug 01, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Carnival Cruises
Replies: 21
Views: 2907

Re: Dave Ramsey still defending 12% and still angry at "nerd

I just finished a good book about personal finance authors, "Pound Foolish" by Helen Olen. She goes through the inconsistencies, conflicts of interest, and money-making empires created by Ramsey, Suze Orman, David Bach, Kiyosaki, and others, as well as the power and devious methods of the ...
by rj49
Fri Aug 01, 2014 1:30 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23314

Re: New smartphone - questions from a nervous upgrader

You might look at the Virgin Mobile $30/mo iphone plan, with no added fees or taxes other than state sales tax. The limitation is 300 minutes a month (or $45 for 1200 minutes), but you can use Google voice or Facetime audio calls without using minutes. They also offer discounted iphones (currently $...
by rj49
Thu Jul 31, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 42
Views: 3433

Re: How would retiring at 45 change investment strategy?

I'm doing a SEPP 72T out of the TSP G fund, which functions like an early annuity, since it can't lose value and has done a good job over time of keeping up with inflation and will offer substantial protection in case stocks and bonds lose value with rising interest rates. The early withdrawal is ve...
by rj49
Wed Jul 30, 2014 2:36 am
 
Forum: Investing - Help with Personal Investments
Topic: How would retiring at 45 change investment strategy?
Replies: 12
Views: 1672

Re: my quarterly hedge fund update

Lobster is an example of a product people buy because of exclusivity. But with supply up 80% over the past 5 years, it's appearing in chain restaurants and other places that destroy the cachet of exclusivity. Fancy restaurants tried to keep prices up to make customers feel they were getting somethin...
by rj49
Mon Jul 28, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: my quarterly hedge fund update
Replies: 11
Views: 1648

Re: AMZN's magical status

Special Amazon Fresh deal just for you, 10-year supply of gourmet chai, expiration date in 2 weeks, delivered to your door in 30 minutes by drone (other Amazon attack drones are busy strafing Hachette Publishing headquarters and bombing the few remaining insurgent independent bookstores until they a...
by rj49
Sat Jul 26, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: AMZN's magical status
Replies: 26
Views: 2844

Re: Help me save my parents from Merrill Lynch

If they take comfort in having someone looking out for them and managing things and protecting them from bad times, then you might steer them towards either Wellesley, Wellington, or a combination of the two. You can show them the impressive returns over time, the history of Wellington going back to...
by rj49
Sat Jul 26, 2014 2:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 54
Views: 6603

Re: Here's another "where should I retire" thread

I left Seattle for Bellingham, WA, which seems to fit most of your criteria. There are running/biking trails all over the city, including one that goes along and over Puget Sound on a boardwalk. There are at least 3 large lakes that I know of with housing around them, and all are within 5-10 miles o...
by rj49
Sat Jul 26, 2014 1:48 am
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6604

Re: Treasury Direct--just blowing off steam

At least you don't have to find your secret decoder card to input the super secret password to access your account any longer. And your Treasury bonds are guaranteed by the full faith and internet site efficiency of the US Government. The awful website was one of the main reasons why I sold all my i...
by rj49
Fri Jul 25, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4463

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: 105
Views: 7011

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: 49
Views: 3598

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: 1408

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: 2889

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: 2579

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: 3772

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: 24184

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: 64
Views: 5612

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: 77
Views: 8368

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: 808

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: 1068
Next

Return to advanced search