Search found 226 matches

by 4nwestsaylng
Fri May 11, 2018 1:56 am
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 97
Views: 10538

Re: Total Bond - SEC yield breaks 3%

I am going to be meeting with my Schwab rep (not paid advisor), on fixed income.He is suggesting laddered short term bonds,since if held to maturity there is no loss of nominal principal. However from what I have read on this site, if you have a short term bond fund of same average duration and hol...
by 4nwestsaylng
Fri May 11, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

I run with my black lab a couple times a week, with longer distances in the winter and sometimes not at all during peak summer heat. Harnesses are silly, dogs' necks aren't people necks. I use a bungy cord leash, but I never strap it around my waist. I would not wait until the dog is a year old. Th...
by 4nwestsaylng
Thu May 10, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 97
Views: 10538

Re: Total Bond - SEC yield breaks 3%

When the feds announce they are close to/have finished raising rates,Ā  It is not easy to know if or when stable value funds are a free lunch. You cannot use investment outcomes to substantiate that. It is likely that there were some actual risks that nonetheless did not materialize. These are unqua...
by 4nwestsaylng
Wed May 09, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 5891

Re: Comparing 2 physician jobs

A difficult decision, too bad you don't see any other options. If you are in a super subspecialty, it is clearly capital intensive, hi tech. Thus you either need a hospital to foot the bill for all the equipment, techs, etc., maybe at a loss for them for a while, yes, maybe it won't work out and the...
by 4nwestsaylng
Wed May 09, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 56
Views: 4431

Re: Bond Fund Point of Indifference vs. Principle Recovery

But it may not be a benefit if you are not a long term investor- as you said. In that case, you should not be in anything longer than a short-term investment- which means no intermediate bond funds. Is that correct? If you have a definite date when you know you will need the money, you might want t...
by 4nwestsaylng
Tue May 01, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 123
Views: 9860

Re: What have you baked recently?

Cherry Cobbler: Make pie crust using Martha Stewart's Baking Handbook "Pate Brisee" recipe, one layer, roll out, place in Pyrex glass pie dish or similar, press crust layer to it the dish, then press aluminum foil over it, fill with ceramic pie weights (can also use dry beans over and over), bake 30...
by 4nwestsaylng
Sun Apr 29, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10293

Re: Cashing out of the Bay Area

This is not the Inland Empire S. Cal, Phoenix or Vegas, all of which had major drops in the real estate bust, due to the fact that they were desert areas with abundant land and overbuilding. The Bay Area also dropped,but from insane prices down to simply ridiculous prices, due to limited land and a ...
by 4nwestsaylng
Sun Apr 29, 2018 2:05 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 34
Views: 2642

Re: Advice on using a wealth manager or financial advisor?

I have been reading the above suggested link on bonds. Much more complex that I realized,but is going to help me in discussing with the Schwab advisor. I will have to spend a couple of hours on this link, there are lots of concepts to grasp. It is certainly answering the questions I have posed here ...
by 4nwestsaylng
Sun Apr 29, 2018 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 34
Views: 2642

Re: Advice on using a wealth manager or financial advisor?

Thanks for the above comments. The Schwab advisor is a CFP; will go to the suggested link to learn more before discussing it with him again. There was no pressure, I just outlined for him my AA and that was his comment, but clearly it is more complex, and I wonder if selection of individual bonds by...
by 4nwestsaylng
Sun Apr 29, 2018 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10293

Re: Cashing out of the Bay Area

Just remember that the Bay Area punishes those who '"cash out" at the supposed "peak", move to another state and at some point miss the weather and want to return. The punishment is usually a prohibitive rise in home values. My sister and her husband had a very nice home in the Lost Altos Hills area...
by 4nwestsaylng
Sat Apr 28, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 34
Views: 2642

Re: Advice on using a wealth manager or financial advisor?

This is a question I continue to grapple with.I currently have a 50/50 overall AA (taxable and deferred total), and the equity portion is 50% in Schwab Intelligent Portfolio (this has an individually adjustable fixed/equity ratio, so I have it dialed to 100% equity ETFs), 50% in Vanguard Total Stock...
by 4nwestsaylng
Wed Feb 21, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 14749

Re: What is the best home exercise equipment?

I have the Concept 2, it is a great machine. I learned about it when I joined a local rowing club, they had about a dozen in the boathouse. However after a few times out in cold weather in the 8 shell, decided would rather have my own machine so bought a new one. I combine this with a mile run daily...
by 4nwestsaylng
Mon Feb 19, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 7177

Re: Suggest coffee maker please

Put the money in a Capresso burr grinder. I prefer paying extra for the metal housing, but the plastic model has the same burr grinders. I bought the metal one as a refurb from a coffee supply place online for about $100. That way you can tailor your grind-you need a coarser grind for a French press...
by 4nwestsaylng
Sat Feb 17, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6786

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

Yes worth it. Start making it a yearly habit. If you like Hawaii,check out some of the Costco travel packages. Same for Florida and Arizona. If you want to see some baseball spring training, I would say go to Phoenix area, stay in a nice place. I lived there for years, don't miss the summers, during...
by 4nwestsaylng
Sat Feb 03, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: leave index funds and robo for an advisor firm?
Replies: 9
Views: 1159

Re: leave index funds and robo for an advisor firm?

thanks all for the replies. Will give it further thought.
by 4nwestsaylng
Sat Feb 03, 2018 12:20 am
Forum: Investing - Help with Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 8
Views: 858

Re: keep the TSP or transfer to Schwab?

Thanks all for the responses. Currently my TSP is about 200k greater than my Schwab, so I am about 60 percent bonds, all in TSP G fund. So at most, to get to a 50/50 AA, I might transfer 200k out of TSP into a Schwab IRA. Alternately I could get to 50/50 just by adding some stock fund within the TSP...
by 4nwestsaylng
Sat Feb 03, 2018 12:01 am
Forum: Investing - Help with Personal Investments
Topic: leave index funds and robo for an advisor firm?
Replies: 9
Views: 1159

leave index funds and robo for an advisor firm?

I know I am at the altar of Boglehead indexing, but still seek thoughts on this topic. My AA is roughly 50% taxable in Schwab, 50% fixed in TSP, in the stable value G fund. The past three years, apart from the last six months, the Schwab was parked in cash. I had family health issues,had absolutely ...
by 4nwestsaylng
Mon Jan 29, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 6626

Re: Change in "career", PA or Optometry?

You know, helping others and interacting with people are positive goals, but they are not confined to the health professions. Whether you go into a health area or teach avation or business or whatever, if you have the right attitude you will help people.Plenty of docs, PAs, nurses and optometrists a...
by 4nwestsaylng
Sat Jan 27, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 21216

Re: I bought a stock today - Redfin (RDFN)

Thaks, dreamjob9. I looked at Rdfn, when they went IPO. It went up very fast and then came down a lot. At the time we had other things happening which prevented my normal trading pattern. To be fully honest, I first bought Redfin the day the IPO came out at 19$. I sold 90% when it hit 31$ and have ...
by 4nwestsaylng
Sat Jan 27, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones...Why is Vanguard and Fidelity Always the Recommendation?
Replies: 48
Views: 6296

Re: Leaving Edward Jones...Why is Vanguard and Fidelity Always the Recommendation?

I am captive with TD Ameritrade for my HSA through HSA Bank, otherwise I would switch it out. I just don't find the web site or the customer service culture on a par with Schwab, where my other accounts are.
by 4nwestsaylng
Sat Jan 27, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 8
Views: 858

Re: keep the TSP or transfer to Schwab?

What you'd want to do is view your whole portfolio across all your accounts as a single asset allocation. Decide what percentage you want in stocks and what percentage you want in fixed income. The G Fund is unique; Schwab or Vanguard do not have an equivalent product available to purchase. If you ...
by 4nwestsaylng
Sat Jan 27, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 8
Views: 858

keep the TSP or transfer to Schwab?

I have about 40 percent of my assets in Schwab, very happy with staying there.It is about 50% in Schwab Intelligent portfolios, 40% in VTI, and 10% in a few individual stocks. 60 percent of my assets are in the Thrift Savings Plan. My AA is 50/50, so most of the TSP is in fixed, with half in the G f...
by 4nwestsaylng
Sat Jan 27, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 21216

Re: I bought a stock today - Redfin (RDFN)

My painful experience over the years has been "the more you believe in the story, the greater risk for loss". I have lost money in companies which I thoroughly researched. The problem is that surprises happen.I did't buy Enron, but think back, it was supposedly full of whiz kids revolutionizing the ...
by 4nwestsaylng
Thu Dec 28, 2017 1:31 am
Forum: Investing - Help with Personal Investments
Topic: Scared of bonds
Replies: 14
Views: 2170

Re: Scared of bonds

The TSP G fund is arguably the perfect bond fund. Money market safety but a yield like Vanguard total bond market fund. The TSP F fund is virtually identical to the Vanguard total bond market fund. But don't bother with either if you have access to the TSP G fund. I am in the TSP, have most of the ...
by 4nwestsaylng
Wed Dec 20, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4765

Re: Availability of health care providers - how to factor this in a move?

I understand the desire to live in a small/medium town. Can I recommend university towns? Places like Iowa City, Iowa, that has the University of Iowa Hospital, or Madison, Wisconsin with their UW Hospitals, have the best of small communities (and often very vibrant) AND cutting edge facilities and...
by 4nwestsaylng
Tue Dec 19, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 7160

Re: Can I afford it: Dodge Challenger

I like great cars, but I would first pay off your "just a mortgage". Becoming debt free on your house instead of adding more debt right now will feel better in a few years. You can always rent a Challenger for a day and enjoy it. I upgraded to a Camaro on a trip and had it for a few days, enjoyed it...
by 4nwestsaylng
Tue Dec 19, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: HSA investment options
Replies: 7
Views: 527

Re: HSA investment options

My fees for my HSA Bank account are $2 a month, regardless of balance, that is not bad. Most of my funds then go out of HSA Bank into its associated TD Ameritrade account. I park it in Vanguard Lifestrategy Conservative Fund. I typically absorb my annual $1500 deductible and copays, so my out of poc...
by 4nwestsaylng
Tue Dec 19, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5706

Re: When to move into bonds

Agree with earlier poster, you should reduce your 100% allocation to stocks by at least 30% Monday morning,ie go immediately to a 70 equity/30 bond at the least, and in fact you might consider tapering even more over the next month or so to a 60/40 position. Yes, OMG it's a market top. The OP shoul...
by 4nwestsaylng
Tue Dec 19, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Hold
Replies: 7
Views: 654

Re: Sell or Hold

My wife and I got married 5 years ago. Since then, we've been renting her house for $3,100/month. Our monthly payment is $2,772 (including taxes/insurance). The house is probably worth ~$550K. Mortgage balance is $292K at 4% rate with 15 years remaining. We've considered moving into the house, livi...
by 4nwestsaylng
Sat Dec 16, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 53
Views: 5706

Re: When to move into bonds

Agree with earlier poster, you should reduce your 100% allocation to stocks by at least 30% Monday morning,ie go immediately to a 70 equity/30 bond at the least, and in fact you might consider tapering even more over the next month or so to a 60/40 position.
by 4nwestsaylng
Sat Dec 16, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating Medicare Part B
Replies: 9
Views: 1623

Re: Terminating Medicare Part B

Correct. What is difficult is that we know major expenses are usually hospital based, and we get Medicare A, so if we keep the FEHB, and don't take part B, we still have full coverage of all hospital based expenses. However more and more, complex procedures and tests have moved to the outpatient are...
by 4nwestsaylng
Sat Dec 16, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Rental Home - Was Primary Residence - Tax Situation
Replies: 12
Views: 1584

Re: Sold Rental Home - Was Primary Residence - Tax Situation

You know, just hire a CPA (not an "enrolled agent"), I have found that is the best way, they more than earn their fee. I have never used TT,I know many use it, but in this case I would for sure let the CPA handle it. For one thing, if there is further paperwork needed in the future, ie if you need t...
by 4nwestsaylng
Sat Dec 16, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1892

Re: Progressive Insurance

Have stayed with USAA, very happy, and I don't have to watch stupid ads on T.V..
by 4nwestsaylng
Sat Dec 16, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 9954

Re: Terrible negotiator - need help with words to use [Buying a car]

Over the years I have researched the techniques, how to negotiate, walk away, etc.. In my experience, there is always some tactic or trick that you have not anticipaed. Let Costco be the big gorilla, they pick their dealers and the price has to be good. Just go with Costco. Maybe you could beat the ...
by 4nwestsaylng
Fri Dec 15, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating Medicare Part B
Replies: 9
Views: 1623

Re: Terminating Medicare Part B

Interesting. I will have to see what Medicare B premium would be. My leaning is to just keep the FEHB plan as my primary, but that annual ten percent penalty for late signing for part B makes me a bit nervsous. In good health, on no meds, but of course the future is unknowable. I will probably sign ...
by 4nwestsaylng
Wed Dec 13, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating Medicare Part B
Replies: 9
Views: 1623

Re: Terminating Medicare Part B

Curious as to why you are dropping Medicare part B, as I am having to decide this month whether to enroll in part B and make my FEHB GEHA the secondary instead of primary.I plan to keep FEHB plan, so if I sign up for Medicare B, the FEHB becomes the secondary. One thing I like about the FEHB plan is...
by 4nwestsaylng
Tue Dec 12, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 53
Views: 5619

Re: 2018 FEHB HDHP Recommendations

I had GEHA HDHP for ten years, right up to age 65, and was happy with it.
by 4nwestsaylng
Tue Dec 12, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 18182

Re: What to do after losing $117k in stock market?

I can identify with your painful stock losses. I can only say that when I was in my early forties, I was making about what you are making,got caught up in the tech hype, and probably lost about $150K when tech crashed. I was in major companies that simply folded. Despite multiple degrees including o...
by 4nwestsaylng
Tue Dec 12, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley as an alternative to CDs and money market?
Replies: 8
Views: 1117

Re: Wellesley as an alternative to CDs and money market?

How would Wellesley income compare one of the Vanguard Lifestrategy alternatives, such as the LS conservative portfolio? Would a LS have any advantages over Wellesley? I would like to generate some income out of my non-retirement brokerage funds. Currently I have them primarily in Vanguard TSM (50%)...
by 4nwestsaylng
Sun Dec 10, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds in West Los Angeles
Replies: 8
Views: 1192

Re: Newlyweds in West Los Angeles

Renting in L.A. is ok if you are young and working, and no kids. But if you are thinking of becoming parents, I think it is a good time now, while you are staying with relatives, do think seriously about relocating. Your wife's secure job with L.A. County means nothing if you have to raise your kids...
by 4nwestsaylng
Sun Dec 10, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds in West Los Angeles
Replies: 8
Views: 1192

Re: Newlyweds in West Los Angeles

Part of the buy vs rent answer depends upon how secure you feel your job is. Your wife has a govt job but you have had several. If you are going to take out a mortgage, you want some certainty that you will be able to make the payments on one salary. You may be in West L.A. now, but at current incom...
by 4nwestsaylng
Sat Dec 09, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 3180

Re: Espresso Machine suggestions?

A few years ago I was really into this, did all the research on Seattle Coffee Gear videos, read the pros and cons of the Rancilio Silvia with the Rocky grinder, etc.. I realized that I did not want to make espresso my hobby, I just wanted a reasonable espresso sometimes at home. Some days I want es...
by 4nwestsaylng
Sat Dec 09, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5940

Re: Recommended places to live

To some degree you have to reconcile having 3/4 acre, etc and wanting the area to also have great Japanese cuisine infrastructure etc, without actually moving to Japan for reasons you stated. To state the obvious, this is not Japan. Cities in the U.S. with great Japanese restaurants or grocery stor...
by 4nwestsaylng
Sat Dec 09, 2017 1:37 am
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5940

Re: Recommended places to live

To some degree you have to reconcile having 3/4 acre, etc and wanting the area to also have great Japanese cuisine infrastructure etc, without actually moving to Japan for reasons you stated. To state the obvious, this is not Japan. Cities in the U.S. with great Japanese restaurants or grocery store...
by 4nwestsaylng
Fri Dec 08, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 5193

Re: selling an older car on eBay-no bites!

Any thoughts appreciated. Thanks in advance. Sold a 50+ year old car on Ebay a few years ago. My recommendation would be: 1) Put your phone number in the ad so people can call and ask questions. This also puts you in contact with a buyer and the potential to sell outside of Ebay. 2) Set a reserve a...
by 4nwestsaylng
Fri Dec 08, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Have been sitting out, and ready to invest the Bogle way
Replies: 18
Views: 2632

Re: Have been sitting out, and ready to invest the Bogle way

Keep the mortgage on your rentals. Pay off your principal residence, that is a guaranteed 3.25% return, ie no mortgage. As far as investing, you are going from a non equity position into equities. Consider starting with something like Vanguard Lifestrategy Conservative, either dollar averaging over ...
by 4nwestsaylng
Fri Dec 08, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5940

Re: Recommended places to live

Hello, I currently live in Dallas, TX. I work for myself and at home, so I am completely free to live where I choose as long as there is fast and reliable Internet available. I am considering moving somewhere else though mostly for personal reasons rather than financial, those reasons being I want ...
by 4nwestsaylng
Fri Dec 08, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 5193

Re: selling an older car on eBay-no bites!

I just gave a 20 year car away because I knew I would net less than $500 if I were to sell it. Very good car, nothing wrong with it and 4 brand new tires. Liability is a good enough reason not to sell to anybody, but donation is ok. I think my guess is right because I have not receive anything from...
by 4nwestsaylng
Fri Dec 08, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 5193

Re: selling an older car on eBay-no bites!

Another vote for Craigslist. Sold an '07 camry a couple weeks ago within a few hours of the CL ad being posted. The market for 10 year old cars (i.e. people looking for beaters to commute with) and 40 year old caprice wagons is a bit different. I don't suppose you have the orginial window sticker? ...
by 4nwestsaylng
Thu Dec 07, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 5193

Re: selling an older car on eBay-no bites!

Wow, being a wagon fan I like it!! Sadly it's a mid 70s GM product and they weren't exactly building the best cars back in that day. Sadly, old doesn't mean valuable. You're asking too much for it even in it's stellar condition for that year and model. Likely a 3K car for anyone looking for somethi...