Search found 166 matches

by 2pedals
Thu Jul 20, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 33
Views: 1972

Re: Fidelity Full View usefulness?

Does that include assets held in external accounts? Yes... Also, be aware that FV is used as input to FIDO's Planning/Retirement tool (formerly known as RIP) so it's a good idea to include all your investment accounts, regardless of where they are held in order to get a valid result. I don't really...
by 2pedals
Wed Jul 19, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Son's trust fund for education
Replies: 10
Views: 702

Re: Son's trust fund for education

I think I would be gradually placing it in a money market or short term bond fund. Start selling enough to cover college costs for at least 2 years. Maybe you can limit capital gains by starting this year and continue beginning next year.
by 2pedals
Wed Jul 19, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Buying the "three" Vanguard funds through Fidelity???
Replies: 10
Views: 792

Re: Buying the "three" Vanguard funds through Fidelity???

I do not recommend buying Vanguard funds through Fidelity. Fidelity has the three-fund portfolio covered with their own funds. You would have some unnecessary transaction fees when you buy and sell the 3 fund portfolio Vangauard funds through Fidelity.
by 2pedals
Wed Jul 19, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 33
Views: 1972

Re: Fidelity Full View usefulness?

I don't really care for it. I personally don't like providing usernames and passwords to external web sites.
by 2pedals
Wed Jul 19, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 67
Views: 2875

Re: Essential Bike (bicycle) Accessories

I love my hitch bike rack. I love to take my bike with me to new places to explore. :D
The Swagman bar adapter helps with placing bikes with sloping down tubes on the rack .
by 2pedals
Tue Jul 18, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Survivor Benefit in Lieu of Long Term Care Insurance?
Replies: 26
Views: 1029

Re: Pension Survivor Benefit in Lieu of Long Term Care Insurance?

I am planing on taking 100% and Joint & Survivorship. My wife would be the survivor. Women tend to live longer. It would be real nice to get that COLA, my pension does not have that. COLA could be added insurance against the longevity risk.
by 2pedals
Mon Jul 17, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Recommendation for things to do in Seattle area
Replies: 18
Views: 1034

Re: Recommendation for things to do in Seattle area

Carry an umbrella, and bring a jacket. No umbrellas needed in July or August (or anytime of the year for that matter if you actually live here). I think we haven't had a measurable rainfall in about 30 days. Although that may have gotten broken with an overnight sprinkle a night or two ago. shush q...
by 2pedals
Sun Jul 16, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8108

Re: Personal Finance Milestone: 20 Times Annual Expense

I do not know how to invest. I stick with Wellington fund and Lifestrategy Moderate Growth Fund for many years until I switch the Life Strategy Moderate Growth portion to 3 funds. I think you are way underestimating yourself, maybe you made some big mistakes in the past but that does not imply you ...
by 2pedals
Sun Jul 16, 2017 8:58 am
Forum: Investing - Theory, News & General
Topic: stock market demographics
Replies: 3
Views: 558

Re: stock market demographics

Very interesting. What are these statistics used for anyway? It might suggest there is more money on the sidelines that could make it into the markets. I've heared it many times that when market participation is high the market and overbought. All categories are down except for ages 65 and over and ...
by 2pedals
Sat Jul 15, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 1608

Re: Low cost index funds/Fidelity

A "good expense ratio" depends on what the fund is - for example, international costs more than domestic, etc. . I didn't know that. I'd like to have 10% of my portfolio in international index funds. I am interested in Fidelity index fund with a 0.050% expense ratio. Is this good (low pri...
by 2pedals
Sat Jul 15, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: The Modified (Golden) Butterfly
Replies: 14
Views: 1564

Re: The Modified (Golden) Butterfly

I understand the importance of that. Unfortunately, I still haven't found that fully convincing portfolio (although this one is pretty close!!). This may also be because I'm reading a lot about the subject and am sort of suffering from paralysis by analysis, but I think once I stop absorbing as muc...
by 2pedals
Sat Jul 15, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 141
Views: 12274

Re: How are folks handling the unprecedented rise in the market ?

I like many others am a skeptic of this market, given the volatile political situation and lack of any real improvements such as tax reform or infrastructure bills. But the fact is that the market still keeps going up. I am still in the market but What is everybody else doing ? Keeping the faith or...
by 2pedals
Fri Jul 14, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Payout
Replies: 24
Views: 2986

Re: Pension Payout

I would look at your many options very closely. I have no need for the "pop-up" feature but it the only option my employer with provide. Also if the PV 100% J&S and 75% J&S were equivalent, I would have been leaning toward the 75% J&S. I believe I will outlive my resources. If...
by 2pedals
Fri Jul 14, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Payout
Replies: 24
Views: 2986

Re: Pension Payout

It's time for me to get the check , the last word is yours 2pedals :sharebeer In my case my pension plan uses 6% which I find to be rather high by today's standards, I think it should be more like 4%, as suggested by #Cruncher, maybe even lower with the 30 year treasury less than 3%. A lower relati...
by 2pedals
Fri Jul 14, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 365
Views: 29200

Re: Picking College and College Scholarships

OP, One of my friend's kid got into all top engineering schools (MIT, Stanford, Duke, Berkeley, GA Tech, U of Illinois) and ended up going to stanford. Absolutely hates it - the comp sci classes are 200+ kids, no prof face time. His father was lamenting to me one day that his son would have had a b...
by 2pedals
Thu Jul 13, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 6594

Re: Do you consider business travel to be a perk or a burden?

Unquestionably a burden. Almost always I end up working uncompensated hours. After returning the expectations are high with trip reports and additional action items based on lessons learned. All the work I left at the office is still waiting for me with no schedule reprieve. Aaaand the honey do list...
by 2pedals
Thu Jul 13, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 117
Views: 5746

Re: Shopping for first bike since I was a kid

I ride bikes competitively in triathlon and occasionally road racing, so very functional components that respond crisply and well (far in excess of what a casual rider would need) is very important to me. I'm not exaggerating when I say that my rock bottom Shimano 2200 entry-level group set on my e...
by 2pedals
Tue Jul 11, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Payout
Replies: 24
Views: 2986

Re: Pension Payout

I am not sure why they're not equivalent in my situation. I suspect that several factors influenced my result. My employer might be using older mortality tables, unisex mortality tables, same age for beneficiary, different interest rates and added benefit to spousal survivalship. The company is sel...
by 2pedals
Mon Jul 10, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to save for and finance house move up
Replies: 64
Views: 3136

Re: How to save for and finance house move up

Have you considered New Hampshire? For example in Londonderry, I don't think you would have to pay 500-550k range for a larger house but your commute could be a killer (it's a trade-off).
by 2pedals
Mon Jul 10, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Pension Payout
Replies: 24
Views: 2986

Re: Pension Payout

Also if the PV 100% J&S and 75% J&S were equivalent, I would have been leaning toward the 75% J&S. 2Pedals, the PV's of those two optional forms are equal ; here's how it works - the Life Annuity at normal retirement age is reduced to the early retirement age by a factor that is more fa...
by 2pedals
Sat Jul 08, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 117
Views: 5746

Re: Shopping for first bike since I was a kid

I think the hardest part for most people is make sure your have the right frame size. I would go to good local bike shop to have a professional size you for the type of bike you are looking for. After you get a good understand of your bike size you could look around for a used bike unless you want a...
by 2pedals
Sat Jul 08, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Payout
Replies: 24
Views: 2986

Re: Pension Payout

Also if the PV 100% J&S and 75% J&S were equivalent, I would have been leaning toward the 75% J&S. 2Pedals, the PV's of those two optional forms are equal ; here's how it works - the Life Annuity at normal retirement age is reduced to the early retirement age by a factor that is more fa...
by 2pedals
Sat Jul 08, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11348

Re: Paul Merriman: The One Fund Every Investor Should Own

WOW so should I tilt or not??? I don't mean to sound flippant, but I imagine that the answer would be, if you don't understanding why you should be tilting, then you probably shouldn't. Yes, I agree. It can sound flippant but it isn't. If you have to ask the answer is no. That is really the heart o...
by 2pedals
Sat Jul 08, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Pension Payout
Replies: 24
Views: 2986

Re: Pension Payout

Kobbie , I assumed your ages are 66,68 and made the Life Annuity $1000/mo. ; using a current mortality table and 4% I got the following for the actuarial equivalent J&S options : 100% = 777 , 75%=823 and 50% = 874 - if you die first , your wife would get 777, 617, 437 respectively - this illust...
by 2pedals
Fri Jul 07, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Payout
Replies: 24
Views: 2986

Re: Pension Payout

I had a similar post here . I have the pop-up feature as well but also a generous survival benefit. Given my numbers, the 100% survivor option produces the largest probable present value (thanks to #Cruncher for running the #s). Your largest probable present value will depend on what your reduction ...
by 2pedals
Thu Jul 06, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 10988

Re: Seeking advice on 1.2m house purchase

TuesdayGal wrote:Anything else that I miss (especially Bay Area folks)?


Find a significant other preferably with similar income and savings.
by 2pedals
Wed Jul 05, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1406

Re: Stable Value Questions

I assume that OP doesn't have to keep his entire balance in his 401k, but can pull some to add to a rollover IRA. If there's an attractive option in one's 401k that isn't present in one's IRAs, that seems a perfectly good reason to keep a least a portion in the 401k. I do not have to keep everythin...
by 2pedals
Tue Jul 04, 2017 9:09 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds (BND)
Replies: 27
Views: 2401

Re: Bond Funds (BND)

Yes, I believe that is reasonable. Chasing slightly higher yields with longer maturities in this environment could backfire in a rising interest rate environment and bonds are for stability in your portfolio. On the other hand, you may get slightly lower yield in the long run if you stay with this a...
by 2pedals
Tue Jul 04, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11348

Re: Paul Merriman: The One Fund Every Investor Should Own

My belief, this question to SCV tilt or not to SCV tilt will go on for a very long time. Once the argument becomes pervasive that everybody must have SCV tilt the genie has been already let out of the bottle. After that happens it might take a while to get the genie back in the bottle. Again, that'...
by 2pedals
Tue Jul 04, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11348

Re: Paul Merriman: The One Fund Every Investor Should Own

My belief, this question to SCV tilt or not to SCV tilt will go on for a very long time. Once the argument becomes pervasive that everybody must have SCV tilt the genie has been already let out of the bottle. After that happens it might take a while to get the genie back in the bottle.
by 2pedals
Tue Jul 04, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11348

Re: Paul Merriman: The One Fund Every Investor Should Own

There is no such thing as a one fund for every investor and certainly not a small cap fund, that is just crazy.
by 2pedals
Mon Jul 03, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1406

Re: Stable Value Questions

Thanks you for your replies Sounds like this is an "ho-hum yawn" thread for many, no one really thinks it is all that important to stay with the 401k SV. If that is the case I believe I would be better served by rolling it over into a TIRA or Roth with the rest of my accounts and use bond ...
by 2pedals
Sun Jul 02, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 365
Views: 29200

Re: Picking College and College Scholarships

Have you considered Iowa State University? It has an excellent reputation for a fine engineering school where I work and not too far from your home. The problem I have with all the big name schools like MIT, Stanford, etc they tend to be great schools for graduate students but not so much for underg...
by 2pedals
Sun Jul 02, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1406

Stable Value Questions

I am looking at the options in my 401k has a stable value fund and a bond market index fund Stable Value Fund's daily compounded effective annual rate for the 3rd Quarter of 2017 is 2.31% Bond market index fund returns (0.05% ER) 12 mo = -0.37%, 3 year = 2.47% 5 year = 2.18% Stable value (0.30% ER) ...
by 2pedals
Sun Jul 02, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 4744

Re: Beginner needs sanity check moving a lot of cash to market.

Do you have other resources to help navigate the various fund choices? For example, I always see a lot of talk about the Vanguard Total US Stock, Total International Stock, and Total Bond, but then I see people talking about lots of other Vanguard funds. If the first three are so good why doesn't e...
by 2pedals
Sat Jul 01, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: When to start taking Social Security for 64 year old
Replies: 26
Views: 1907

Re: When to start taking Social Security for 64 year old

My Suggestion Convert tax deferred to Roth over the next few years, spread out the conversions, say over the next 5 years. Wait to 70 to start SS payment for COLA and longevity insurance. If either one has the longevity gene, this approach should work out for the best. They most likely will experien...
by 2pedals
Sat Jul 01, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 4744

Re: Beginner needs sanity check moving a lot of cash to market.

Payoff your cars and maximize 401k & SEP. 3 fund portfolio looks good to me. I don't think you would even need much for an emergency fund with no kids and the large income sources that you have (maybe 6mo. expenses). If it makes you feel better about minimizing your mortgage debt and there is no...
by 2pedals
Sat Jul 01, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: When to start taking Social Security for 64 year old
Replies: 26
Views: 1907

Re: When to start taking Social Security for 64 year old

I would recommend taking a look different scenarios with I-ORP http://www.i-orp.com. It should give you some ideas what scenarios would work best for them based on what their expenses are. It will also optimize ROTH conversions with the different scenarios.
by 2pedals
Sat Jul 01, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12757

Re: Bogleheads: you should be buying 10-year old cars

Interesting but I think there are many more variables that could change the end result. I noticed the assumption is based on a $32,000 new car driving 12,000 miles/year with financing. Also I did not see any sales taxes in the study. In states like Washington sales taxes are high ~10%. I like the id...
by 2pedals
Sat Jul 01, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2042

Re: Social Security

This author has updated his book with the latest changes: Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less by Mike Piper Also look for links to his contributions to Boglehead's threads on the subject. Thanks BL looks like an...
by 2pedals
Sat Jul 01, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2042

Re: Social Security

I don't like simple articles like the link I included above. SS is very complicated and many people do not understand what they are exactly doing when they take SS before FRA or age 70. For many couples if they have significant savings and/or a pension that extra payment will payoff if you wait lat...
by 2pedals
Fri Jun 30, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on money gurus
Replies: 26
Views: 2646

Re: BH thoughts on money gurus

I think you would be better served by following advise from the bogleheads. Boglehead Philosophy You can listen to these so called "money gurus" but I would take their words and recommendations "with a grain of salt". Much of their talk is general and may not apply to your unique...
by 2pedals
Fri Jun 30, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2042

Re: Social Security

I don't like simple articles like the link I included above. SS is very complicated and many people do not understand what they are exactly doing when they take SS before FRA or age 70. For many couples if they have significant savings and/or a pension that extra payment will payoff if you wait late...
by 2pedals
Fri Jun 30, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security
Replies: 17
Views: 2042

Social Security

The article suggests that "waiting" for SS at 67 could be a terrible idea. https://www.fool.com/retirement/2017/06/30/3-terrible-reasons-to-take-social-security-at-67.aspx Interesting that in the article it does not mention delaying to 70 could be even be a better idea for some.
by 2pedals
Fri Jun 30, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Wrecked Vehicles and Whether or Not to Keep Them
Replies: 34
Views: 1952

Re: Wrecked Vehicles and Whether or Not to Keep Them

About a month ago I was rear ended. It was a big ordeal because the girl that hit me didn't have insurance and was driving someone else's car. They were able to track down the owner and they took responsibility (whew). I have taken the car back to the body shop twice to have more repairs done and o...
by 2pedals
Fri Jun 30, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Wrecked Vehicles and Whether or Not to Keep Them
Replies: 34
Views: 1952

Re: Wrecked Vehicles and Whether or Not to Keep Them

djpeteski wrote:I feel like you have a company like State Farm or some similarly horrible insurance company.

Find a quality one.

:confused

I disagree that State Farm is a horrible insurance company.
by 2pedals
Wed Jun 28, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conundrum on his hands?
Replies: 63
Views: 4229

Re: Does Jack Bogle have a conflict of interest?

I found these comments by Merriman very candid and I have not really heard someone on the 'index" team actually imply that Bogle may not truly believe in the Total Market Index, but not speak his true feelings because of these issues mentioned. Pretty bold assertion. No conflict at all. Bogle ...
by 2pedals
Mon Jun 26, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 8284

Re: Where to find a financially like-minded significant other?

I don't think a dating group would help. I have been involved with AAII (Am Assn of Individual Investors) chapters for 25+ years. North Jersey Chapter for 15 years and now Coastal Carolina Chapter for 12 years. I could count the number of people under 40 on one hand, under 50 on 2 hands. The Coasta...
by 2pedals
Sun Jun 25, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: December on Oahu - Northshore or Waikiki?
Replies: 6
Views: 583

Re: December on Oahu - Northshore or Waikiki?

If you like the conveniences of shopping, spas, tours, restaurants, sailboat rides, snorkeling trips and fishing trips, Waikiki has it all. No need for a rental car in Waikiki. When in Waikiki if I want to travel someplace on the Island I rent a car for the day (saves me some money). Also there are ...
by 2pedals
Sat Jun 24, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: 58 years old and laid off seeking advices
Replies: 43
Views: 5532

Re: 58 years old and laid off seeking advices

I am 58 years old and DW is 53. I am mentally tired of my ex-position and not allowed to talk about the situation as part of the deal to get the severance pay. But if after 26 weeks you started to talk negatively about the situation? What would they do to you then? :twisted: You have won the game, ...

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