Search found 406 matches

by 2pedals
Mon Jun 18, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24255

Re: Concierge medicine Worth It????

I need to correct myself. My employer offers Kaiser (formerly known as Group Health), I was unaware of the buyout. Personally I do not know anybody that signed up because of it is such an expensive option, more than 1,000/mo. above my current option . Strange! In recent years, Kaiser coverage throu...
by 2pedals
Sun Jun 17, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8249

Re: Very confused with the current market

The market doesn't care what you think, you are one small fish in the sea.
by 2pedals
Sat Jun 16, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 11
Views: 1837

Re: New Fidelity Freedom Funds?

Fidelity does not make it easy to find the Freedom Index Funds. Under their Asset Allocation Tab - The Index version does not show up. Fidelity Target It never has shown up. When you do a search on the Fidelity site, they do show up. I check them from time to time, since I like the Fidelity glide p...
by 2pedals
Sat Jun 16, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24255

Re: Concierge medicine Worth It????

Seems to me that the added $100/month or so is not really that much more. Also seems puzzling how these physicians can net as much when cutting back on patients. No Kaiser plan is not offered in my area and by my employer. My employer offers Blue Cross Blue Shield PPO plans and Group Health at a mu...
by 2pedals
Sat Jun 16, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24255

Re: Concierge medicine Worth It????

My wife and I have been seen by a concierge physician for nearly 10 years. Some of the advantages from my perspective: 1. 24/7 availability to speak to doctor by phone. 2. Email questions to doctor. 3. They know the best specialists and seem to get you in on a priority basis. 4. They will go with y...
by 2pedals
Sat Jun 16, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24255

Re: Concierge medicine Worth It????

Seems to me that the added $100/month or so is not really that much more. Also seems puzzling how these physicians can net as much when cutting back on patients. No Kaiser plan is not offered in my area and by my employer. My employer offers Blue Cross Blue Shield PPO plans and Group Health at a mu...
by 2pedals
Sat Jun 16, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24255

Re: Concierge medicine Worth It????

My wife and I have been seen by a concierge physician for nearly 10 years. Some of the advantages from my perspective: 1. 24/7 availability to speak to doctor by phone. 2. Email questions to doctor. 3. They know the best specialists and seem to get you in on a priority basis. 4. They will go with y...
by 2pedals
Sat Jun 16, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: New refrigerator issues
Replies: 18
Views: 1597

Re: New refrigerator issues

Can you explain the loud noise it often makes? i.e. loud humming or metallic rattle.
by 2pedals
Sat Jun 16, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 151
Views: 10797

Re: Which boglehead rule do you break--and are ok with

I'm a pretty strict boglehead. The one guide I don't do is a written out directive Investment Plan Statement. There's no Boglehead rule saying you have to have a written out IPS. There aren't really any Boglehead rules. The closest things are the Bogleheads principles: https://www.bogleheads.org/wi...
by 2pedals
Sat Jun 16, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7258

Re: I feel like selling my 3 fund

I think I would sell your VBLTX and buy more VTIAX and VTSAX.
Sell your hand picked stocks and buy more VTIAX and VTSAX.
Continue to save and buy more VTIAX and VTSAX.

Sit back and relax while reading A Random Walk Down Wall Street, by Burton G. Malkiel
by 2pedals
Sat Jun 16, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: iShares lowers expense ratios on bond ETFs
Replies: 6
Views: 465

Re: iShares lowers expense ratios on bond ETFs

happysteward wrote:
Sat Jun 16, 2018 7:33 am
Why does TD still quote MUB with a 25 basis point “management fee”?

Image
You need to read the Prospectus, it shows are waiver fee of 0.18% ‌
by 2pedals
Mon Jun 11, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Makes Factors Endure
Replies: 55
Views: 3428

Re: Larry Swedroe: What Makes Factors Endure

Is it fair to say that factor investing is a "smart" beta strategy? Is factor investing an investment vehicle (fund/ETF) that passes the "smart" beta strategy to the holder?
by 2pedals
Sun Jun 03, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Tell me more about VT Total World Stock ETF
Replies: 6
Views: 528

Re: Tell me more about VT Total World Stock ETF

VT Total World Stock and BIV Vanguard Intermediate-Term Bond ETF would make an excellent 2 fund portfolio.
by 2pedals
Sun Jun 03, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Overlap between domestic and international funds
Replies: 3
Views: 168

Re: Overlap between domestic and international funds

I don't think you should ignore it, just remember your 30% is a target. From what I know in boglehead-landville the percent non-US is somewhere in-between 20%-50% so if you add a 30% of non-US funds you should be good in my estimation. Some "extreme" boglehead folks are at 0% non-US and say US many ...
by 2pedals
Sun Jun 03, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 50484

Re: How much money do you want to retire?

I always will want a lot more money than I have. Also I want to retire so it a balance of wants rather than anything that I need. We (DW and I) have ~2M with a pension worth an additional ~1M. Next year I plan to retire at 59, several reasons why but mostly because I have had enough of the workplace...
by 2pedals
Mon May 28, 2018 10:13 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2509

Re: MEMORIAL DAY 2018

The willingness of America's veterans to sacrifice for our country has earned them our lasting gratitude.
- Jeff Miller
Thank you Taylor
by 2pedals
Sun May 20, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Has Firecalc or I-ORP altered your retirement plans?
Replies: 35
Views: 3892

Re: Has Firecalc or I-ORP altered your retirement plans?

We have used variable amounts of fixed estate funds to simulate caps on spending with good results. I see little or no difference from the older version in that respect. I want to know what the estate result "could be" using the optimizer (how to maximize Roth conversions and SS strategies) if I li...
by 2pedals
Sun May 20, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Has Firecalc or I-ORP altered your retirement plans?
Replies: 35
Views: 3892

Re: Has Firecalc or I-ORP altered your retirement plans?

Bumping this thread with another question about IORP. I tried running it today and it simply returned an error. As you can see above, in the past I found it was not designed to address my situation and I was concerned that it would give a result that was wrong, but with no warning. So it is possibl...
by 2pedals
Thu May 17, 2018 8:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9879

Re: Yes, I'm 89 all right! [Jack Bogle]

Thank you so much Jack. You are a wonderful person and I respect you immensely.
by 2pedals
Fri May 04, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10776

Re: Wanting to leave Fidelity

I am finishing my transfer. Fidelity said I could have a zero balance in my brokerage account, using it for Fidelity Credit Card deposits. Then they refused the partial transfer of the stock holdings, said I had to have money in the account. Coincidentally, credit card deposit then hit, $54 and cha...
by 2pedals
Fri May 04, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Factors In Fixed Income
Replies: 30
Views: 2751

Re: Larry Swedroe: Factors In Fixed Income

Really? I am not even convinced to use AQR for factors with equities at this point in my life. In my opinion once the "jeannie is out of the bottle" returns are not worth the extra costs going forward.
by 2pedals
Fri May 04, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18178

Re: Ed. Jones rep didn't like our plan, now we're locked out

I hope other EJ potential customers and current customers take heed. I have read many problems on this forum with EJ customer wishing to terminate their relationship.
by 2pedals
Wed May 02, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 15028

Re: I’m still not a fan of international bond funds

h It seems to me that the pinnacle of the Boglehead philosophy would be a two-fund portfolio consisting of Total World Stock and Total World Bond, both market capped. It's the ultimate solution to 'nobody knows nuthin'' and I don't really see a rational alternative. How wrong am I? Vanguard LifeStra...
by 2pedals
Tue May 01, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 2551

Re: 401k Stable Value Fund Rates?

2.8% based on April
by 2pedals
Mon Apr 30, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 288
Views: 38490

Re: Good Modern Science Fiction

Spoiler alert - don't read this post if you want to fully enjoy the "Three-body Problem" trilogy. I praised this trilogy earlier in this thread. I think I understand why some people don't like the first half of the second book "Dark Forest". It is mostly about an antihero, his seemingly mindless ac...
by 2pedals
Mon Apr 30, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 32133

Re: KF's simple rules to achieve FI [Financial Independence]

It's foolish (not Klangfoolish) to not have a plan for someone that is past prime and/or in a field and/or industry that does not have good job stability. I have known waaaayy too many engineering close family members, friends, colleagues and engineering management folks that have lost their jobs in...
by 2pedals
Sun Apr 29, 2018 7:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 4153

Re: Roll Call for the Retirement Class of 2019!

Thank you Miriam2 Reaching retirement is an big deal to me, in 2019 I am planing to move from anxiety to zen. Thank you for the link. Raybo is a very interesting character. I do commute to work several days on my bike. I plan on spending lots of time using my bike, walking, hiking and exercising in ...
by 2pedals
Sun Apr 29, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is McClung "slice and dice" worth the complication?
Replies: 40
Views: 2875

Re: Is McClung "slice and dice" worth the complication?

I found McClung's book very interesting relating to the income harvesting and variable withdrawal strategies. I may even include the prime harvesting and EM withdrawal strategy in my retirement investment policy statement. Although I find McClung's methods interesting for portfolio selection, I am n...
by 2pedals
Sun Apr 29, 2018 5:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 42
Views: 4153

Re: Roll Call for the Retirement Class of 2019!

Estimated Jan 2019. It's hard to believe that the roll call class of 2019 is now active and I am even posting here. I am a bit anxious.
by 2pedals
Sun Apr 29, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 32133

Re: KF's simple rules to achieve FI [Financial Independence]

KlangFool, I like your simple rules. Many folks are moving along in life and things are working out quite nicely but things can change. This post makes me think about some uncomfortable things in life such as: 1) How will I achieve FI if I and/or DW does not have a stable job? 2) How will I achieve...
by 2pedals
Sat Apr 28, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 32133

Re: KF's simple rules to achieve FI [Financial Independence]

KlangFool, I like your simple rules. Many folks are moving along in life and things are working out quite nicely but things can change. This post makes me think about some uncomfortable things in life such as: 1) How will I achieve FI if I and/or DW does not have a stable job? 2) How will I achieve ...
by 2pedals
Sat Apr 28, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: What are the questions you would ask a Financial Advisor ?
Replies: 59
Views: 4040

Re: What are the questions you would ask a Financial Advisor ?

Do you believe in market timing?
How often should an asset allocation be balanced and when should it?
Do you recommend factor investing? Why?
Financial advisor fees vary and Robo-advisors cost less, why shouldn't I use a Robo-advisor instead? How are your fees structured?
by 2pedals
Sat Apr 28, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: What are the questions you would ask a Financial Advisor ?
Replies: 59
Views: 4040

Re: What are the questions you would ask a Financial Advisor ?

Your client is retired with significant assets that can be used in retirement. What are the key components of the Investment policy statement that you will incorporate? What withdrawal strategies will you recommend?
by 2pedals
Sat Apr 28, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k bond choices
Replies: 6
Views: 538

Re: 401k bond choices

I think the US Bond Enhanced index is fine to use as the majority of your bonds in this fund, that fund is similar to the Vanguard total bond market index fund (but higher ER). The only other bond fund that would interest me in the short term bond fund to lower the average bond maturities in your po...
by 2pedals
Sat Apr 28, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 45
Views: 5466

Re: Washington GET 529 Reopened: Good deal?

Lower returns are possible with WA GET 529 program over the 529 investment plan such as the Vanguard NV plan. 1) GET 529 is linked to lower than normal college tuition growth in tuition rates. (no more than the average annual growth in median hourly wages in Washington State) 2) Student may go to a ...
by 2pedals
Fri Apr 27, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6604

Re: White Coat Investor Interviews Paul Merriman

It was interesting to listen to the podcast, thanks to White Coat Investor. Paul I know you have a passion in helping out others with their financial dreams. I am glad that you are enjoying your family and your retirement.
by 2pedals
Tue Apr 24, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis needed!
Replies: 15
Views: 1759

Re: Portfolio Analysis needed!

Starchild wrote:
Tue Apr 24, 2018 4:33 am
..... Unfortunately, Cap One charges $20 per mutual fund trade compared to $5 for ETF/Stock. Not the end of the world because I don't trade that much, but still.
This is why I believe in filling a portfolio of mutual funds transaction free through my brokerage account.
by 2pedals
Sun Apr 22, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis needed!
Replies: 15
Views: 1759

Re: Portfolio Analysis needed!

It's kind of difficult to do a "portfolio analysis" without knowing what is in the portfolio, or what is available for the 401k plans, or how much money you add to your accounts....and so on. :D I know the "asking portfolio questions" format can be a lot of work, but all the information asked for i...
by 2pedals
Sun Apr 22, 2018 11:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 79
Views: 11571

Re: Too much Bogleheads.org?

Set your limits and keep track of them with something like this

Mind the time add-on
by 2pedals
Sun Apr 22, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: My taxable account is banged up. Need some help!
Replies: 20
Views: 2422

Re: My taxable account is banged up. Need some help!

Please review the following wiki Wiki Tax efficient fund placement I would not worry too much about the bond principal loss, it is what it is, lower bond principal implies higher current yield. You need to fix what you think is stupid first. Taxable bonds are moderately inefficient, I don't think wh...
by 2pedals
Sat Apr 21, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation and rebalancing
Replies: 4
Views: 601

Re: Portfolio allocation and rebalancing

Hi BHs, I am a new member in this forum but have found many of the threads very useful in the past. My first (and only) investment book was "The Little Book of Common Sense Investing" and I try to follow JB's investment strategies as many of you. I am 32 years old and here's my portfolio (started a...
by 2pedals
Sat Apr 21, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 173
Views: 15028

Re: I’m still not a fan of international bond funds

I agree, neither am I Seems to me stocks are for risk and bonds are for stability. Adding bond funds are used to decrease to volatility in your portfolio. Adding international stocks add diversity and might improve returns. I am not sold on adding international bonds funds. What is the point, if US ...
by 2pedals
Mon Apr 16, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 84964

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

siamond, dbr and AtlasShrugged thanks for the posts I am retiring next year. I have read Wade Pfau's book, "How Much Can I Spend in Retirement?". Pfau and McClung both have given me plenty of help. I like McClung's method and presentation, I just don't know how practical it is to my situation. My fe...
by 2pedals
Sun Apr 15, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 437
Views: 84964

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

I have bought this book and am currently reading it. I am curious if anyone has had the time to review and think about the the subject book. Have you adjusted your retirement planning based on the information provided in this book. After quickly skimming through the book, the prime harvesting approa...
by 2pedals
Sun Apr 08, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Warren Buffett gave me a surprise shoutout at Berkshire meeting
Replies: 10
Views: 2004

Re: Bogle: Warren Buffett gave me a surprise shoutout at Berkshire meeting

Thank you for sharing. Jack Bogle is a very special person he and deserves the accolades and friendships.
by 2pedals
Sun Apr 08, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1548

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

About to rollover a profit sharing plan from microcorp to Vanguard. I was thinking of the LifeStrategy Conservative Growth Fund (VSCGX). But I happened to mention that to our TIAA advisor (we have TIAA from previous job); he said well, a single fund wouldn't be good because if the market is down yo...
by 2pedals
Sat Apr 07, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 114
Views: 9186

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

3) So let's say one retired in late 2017 with a $1,000k portfolio and planned to use a SWR of 4%. One withdrew $40,000 on Jan 1st 2008 leaving $960k. Then the portfolio lost 16% during 2008 ending the year at $806 k. And now your safe withdrawal rate is telling you to take out another $40 K which w...
by 2pedals
Sat Apr 07, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 16130

Re: Swedroe: Look Beyond 60/40 Portfolio

Larry Swedroe makes the statement that: The bottom line is that investors should be aware that traditional 60/40 portfolios cannot be expected to provide anywhere near the level of returns experienced over the last 36 years. That likely requires action, or retirement plans will not be achieved. On ...