Search found 159 matches

by Average Investor
Fri May 06, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: iBond Redemption Question
Replies: 9
Views: 959

Re: iBond Redemption Question

Here's a simple yet nifty site to see I-bond values: http://eyebonds.info/ibonds/home1000.html Drilling-down, it will show the redemption values and when the composite rate changes semi-annually for the particular bond based on the issue date. If the bond is less than 5 years old, you'll need to lo...
by Average Investor
Fri May 06, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: iBond Redemption Question
Replies: 9
Views: 959

Re: iBond Redemption Question

Thanks for the help everyone, I appreciate it. Now that I understand what the iBonds are paying I was able to calculate the difference between the two investments including the penalty. It turns out it is just a few dollars (not including taxes).

Thank you Bogleheads!!!
by Average Investor
Thu May 05, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: iBond Redemption Question
Replies: 9
Views: 959

Re: iBond Redemption Question

All three of your I bonds are still earning 1.54% rate. However, their rate will change to 0.16% 1n their repricing months as follows: 09/2012 issue: September 2016 (has been earning 1.54% since 03/2016) 10/2012 issue: October 2016 (has been earning 1.54% since 04/2016) 07/2013 issue: July 2016 (ha...
by Average Investor
Thu May 05, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: iBond Redemption Question
Replies: 9
Views: 959

Re: iBond Redemption Question

You didn't buy them in the month the rate changes (May or November). Remember that you earn the 6 month interest rate starting in the month you bought them. So the bonds you bought in July, September, and October won't change to the new rate of 0.26% until July, September, and October (respectively...
by Average Investor
Thu May 05, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: iBond Redemption Question
Replies: 9
Views: 959

iBond Redemption Question

I have some iBonds issued on 9/1/12, 10/1/12 and 7/1/13. I am thinking about redeeming them to add funds a 3% CD at NWFCU. I understand there is a 3 month penalty on the iBonds but I am not clear on what the iBonds are currently paying. According to the chart on this page http://www.treasurydirect.g...
by Average Investor
Tue Mar 22, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: Magnetite windows?
Replies: 2
Views: 660

Re: Magnetite windows?

Not something I would choose. If your existing windows are older or historical you might look for someone who can rebuild them. If it helps any, I am getting ready to do all the windows on my older house. I did a ton of research and decided on Loewen all Douglas Fir wood windows with cladding. Nothi...
by Average Investor
Tue Mar 15, 2016 8:59 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 154
Views: 12085

Re: How have your homes as investments done?

Overall pretty well I think given the SF Bay Area market but if I had to do it again I might just rent. Numbers below do not include financing, tax or sales costs. House 1 Purchase Price $155k Upgrades $50k Sale Price $425k Time period 4 years House 2 Purchase Price $800k Upgrades $175k Sale Price $...
by Average Investor
Sat Feb 06, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: upgrade OS on older MAC?
Replies: 33
Views: 1905

Re: upgrade OS on older MAC?

All your older software will need to be replaced. I'm in the same boat - 10.6.8 is the last OS that works with most of my software that uses Rosetta for translation. +1 on this any third party software -- Office, Photoshop, etc. will likely need to be upgraded for any upgrade to Mac OS 10.7 and new...
by Average Investor
Sat Jan 30, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Macbook replacement battery (do you get what you pay for?)
Replies: 21
Views: 1726

Re: Macbook replacement battery (do you get what you pay for?)

You definitely get what you pay for here. Apple batteries are excellent, the third party ones are usually junk and do not last. Be aware that I've witnessed several third party batteries damage the logic boards on customer machines preventing the unit from ever using a battery again (damaged the cha...
by Average Investor
Thu Jan 21, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Next Week... Tips?
Replies: 30
Views: 4501

Re: Early Retirement Next Week... Tips?

Check out http://www.early-retirement.org if you have not done so already.
by Average Investor
Tue Jan 19, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 2827

Re: Best place to live in CA for a retiree

I visited San Luis Obispo last year and really liked it a lot.
by Average Investor
Sat Jan 16, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 12336

Re: Who's buyin' today?

I rebalanced into Total International.

It has been proven time and again that I cannot time the market so further lows are likely!
by Average Investor
Thu Dec 03, 2015 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Advice for A Young Entreprenuer
Replies: 12
Views: 1623

Re: Advice for A Young Entreprenuer

The following worked to help create my successful business: Work very hard. Keep costs down (be frugal). Use tax deferment to advantage (401k, IRA, defined benefit plan, etc.) Don't waste money on advertising. Take care of your employees. Provide an awesome product/service. Provide great customer se...
by Average Investor
Tue Nov 17, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: Espresso Machine Recs
Replies: 67
Views: 5908

Re: Espresso Machine Recs

Third recc on Seattle Coffee Gear, lots of great informative videos there. I bought a Rocket Espresso Evoluzione and Mazzer Mini grinder in 2012 and could not be happier. Everyday I make perfect espresso. Not cheap gear by any stretch but they both should last a lifetime. https://www.youtube.com/wat...
by Average Investor
Sun Oct 18, 2015 6:22 am
Forum: Investing - Theory, News & General
Topic: 2008 Market Crash, Did You See It As Opportunity?
Replies: 60
Views: 4799

Re: 2008 Market Crash, Did You See It As Oppertunity?

Unfortunately not. At the time my finances were being managed by Merrill Lynch and my FA moved a significant portion of my assets to cash as the market declined. That experience, coupled with being pushed into an Equity Indexed Annuity in 2012, prompted me to find Bogleheads and to go my own way. Ha...
by Average Investor
Sun Oct 18, 2015 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for cashing in I-bonds early
Replies: 21
Views: 2276

Re: Strategy for cashing in I-bonds early

I'm curious whether you are cashing in to change to a different fixed income real asset with better yield? Sideways thread hijack, seems like this strategy would work for those wanting to open one of those Northwest FCU CDs @ 3%? Possibly a reasonable move for the shorter term. Longer term, it's im...
by Average Investor
Sun Oct 18, 2015 6:11 am
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 30
Views: 5010

Re: EE/I Bond Rate Predictions for Nov 1 2015?

Renewing this thread. Does anyone know when the November 2015 iBond rate will be announced? I am thinking of moving my iBond funds to the NWFCU 3.04% 3 year CD . . . . The new fixed rate will be announced Monday, November 2. The inflation adjustment will be calculable on October 15 when the BLS rel...
by Average Investor
Sat Oct 17, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 30
Views: 5010

Re: EE/I Bond Rate Predictions for Nov 1 2015?

Renewing this thread. Does anyone know when the November 2015 iBond rate will be announced? I am thinking of moving my iBond funds to the NWFCU 3.04% 3 year CD . . . . The new fixed rate will be announced Monday, November 2. The inflation adjustment will be calculable on October 15 when the BLS rel...
by Average Investor
Sat Oct 17, 2015 1:09 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 329
Views: 29317

Re: Northwest FCU 3-year 3.04% Add-On CD

Thanks Kevin for alerting all Bogleheads to this great CD deal.
by Average Investor
Thu Oct 15, 2015 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: 50% pay increase to move from family, 5 years from retirment
Replies: 27
Views: 2718

Re: 50% pay increase to move from family, 5 years from retirment

Maybe you can negotiate a 4 day workweek 1-2x per month so you can travel back home.
by Average Investor
Thu Oct 15, 2015 9:14 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 329
Views: 29317

Re: Northwest FCU 3-year 3.04% Add-On CD

Like others here, initial funds were pulled from my external account today.
by Average Investor
Sat Oct 10, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 30
Views: 5010

Re: EE/I Bond Rate Predictions for May 1 2015?

I'm planning on buying I Bonds next month regardless of the return. Once 2016 arrives, you've lost your chance to buy 2015 bonds. In other words, if your portfolio has a need for inflation-adjusted bonds, don't let the current rate stop you. I understand this rationale. But with close to 2/3 of my ...
by Average Investor
Fri Oct 09, 2015 10:16 am
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 30
Views: 5010

Re: EE/I Bond Rate Predictions for May 1 2015?

Renewing this thread. Does anyone know when the November 2015 iBond rate will be announced? I am thinking of moving my iBond funds to the NWFCU 3.04% 3 year CD . . . .
by Average Investor
Fri Oct 09, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 329
Views: 29317

Re: Northwest FCU 3-year 3.04% Add-On CD

I started the application process last Saturday evening. It was helpful to read through this thread a few times to avoid the many "gotchas" that others have experienced. Had to send in a copy of my DL and a utility bill to clarify my address. App was approved on Tuesday, I esigned the docs...
by Average Investor
Wed Oct 07, 2015 10:45 am
Forum: Investing - Theory, News & General
Topic: Six Rules to Disciplined Investing
Replies: 19
Views: 3897

Re: Six Rules to Disciplined Investing

Thanks Rick,

I have enjoyed your books and helpful articles, they have helped to keep me on the right investment path.

Thank you.

Daniel
by Average Investor
Mon Oct 05, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Ok to drop off computers for repair with Apple?
Replies: 7
Views: 1147

Re: Ok to drop off computers for repair with Apple?

Apple has strict policies regarding customer data. One thing you can do is create a temporary 2nd admin account named "Apple" with the password "apple."
by Average Investor
Fri Oct 02, 2015 11:45 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 329
Views: 29317

Re: Northwest FCU 3-year 3.04% Add-On CD

Thanks for posting!
by Average Investor
Thu Oct 01, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard European and Pacific Stock Index Funds broaden diversification.
Replies: 6
Views: 746

Re: Vanguard European and Pacific Stock Index Funds broaden diversification.

Does anyone know if VG Total International (VTIAX) will also include additional small cap exposure based on this change? It is not mentioned in the article so I assume not.

Thank you.
by Average Investor
Sun Sep 27, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 14824

Re: Consumer items that are worth the initial investment?

Rocket Espresso machine and Mazzer Mini grinder. Coffee has never been the same since. Melitta manual-pour cone and Café Bustelo 6-oz brick packs. I won't argue with you about your preference, but that's mine. :wink: PJW I did the Melitta pour over for years, a great way to make coffee. Drank Buste...
by Average Investor
Sat Sep 26, 2015 8:24 pm
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 14824

Re: Consumer items that are worth the initial investment?

Rocket Espresso machine and Mazzer Mini grinder. Coffee has never been the same since.
by Average Investor
Mon Sep 21, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Anyone use pre paid cell phone planns???
Replies: 27
Views: 2788

Re: Anyone use pre paid cell phone planns???

I've been using StraightTalk with my out of contract iPhone 5 for about a year. No problems whatsoever other than visual voicemail not working (feature not supported, started using Google Voice for voicemail instead). I've heard how horrible StraightTalk customer service can be but I've not had to u...
by Average Investor
Thu Aug 27, 2015 9:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard and China A shares
Replies: 9
Views: 1650

Re: Vanguard and China A shares

No mention of Total International Fund on the press release. Do others think the emerging markets portion of that fund will not have China A shares?

Thank you.
by Average Investor
Fri Aug 21, 2015 10:39 am
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 11430

Re: anyone treating this as an RBD (really bad day)

I've been adding to international for about a week with the hopes of catching the bottom. As the market continues lower I have been shown once again that it is near impossible to time the market.
by Average Investor
Fri Aug 21, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: Applecare+ for new iPhone?
Replies: 22
Views: 2591

Re: Applecare+ for new iPhone?

For the phone definitely get the extra coverage. You'll be glad you did when it accidentally falls in the toilet. This has happened to two of my friends. My own phone had a minor mishap that could have been repaired easily but Apple replaced it anyway with no deductible. :D
by Average Investor
Thu Aug 20, 2015 10:01 am
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 9117

Re: Piling into emerging markets

I've been buying EM in modest chunks for about a week as well. My first experience trying to catch a falling knife!
by Average Investor
Mon Aug 17, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Stolen Checks!
Replies: 14
Views: 1285

Re: Stolen Checks!

If business checks, insurance may also cover the loss.
by Average Investor
Fri Aug 14, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 26
Views: 2855

Re: MacBook Air losing power

abuss368 wrote:Do any Bogleheads know what the average lifespan of an Apple laptop battery is approximately?


Depends on usage patterns but typically about 3 years for most users. YMMV.
by Average Investor
Tue Jul 28, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 17634

Re: Downsize, Reduce, Simplify.

Great thread! I am getting ready to start the process of decluttering myself. Have a 2200 SF home and 800 SF office jammed with stuff. I recently moved into a 500 SF condo with hardly anything other than basics and I do not miss anything. I still need to actually sell, donate or throw away everythin...
by Average Investor
Sun Jul 12, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: Bogle puts a bow on it in under 15 minutes
Replies: 29
Views: 7667

Re: Bogle puts a bow on it in under 15 minutes

I originally came across this video in a post from stemikger. Personally I think I will watch it at least once a month for the remainder of my active investing life, maybe weekly. The video and the approach from Mr. Bogle just hit home with me. https://www.youtube.com/watch?v=k6ra5POdsYg Great vide...
by Average Investor
Thu Jul 09, 2015 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Merrill- VBS or somewhere else?
Replies: 9
Views: 905

Re: Moving from Merrill- VBS or somewhere else?

I moved from Merrill to Vanguard in 2012 after discovering Bogleheads. Best financial decision I ever made. I transferred everything in kind except for a few holdings that Vanguard did not support, those were liquidated to cash at Merrill prior to the transfer. I ended up liquidating everything at V...
by Average Investor
Tue Jun 23, 2015 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing BND before rate increases
Replies: 34
Views: 3863

Re: Reducing BND before rate increases

What rate increase?

;--)
by Average Investor
Tue Jun 23, 2015 10:37 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 12360

Re: MacBook Pro Worth the money?

Apple is making great hardware these days. Better value than PCs overall IMHO. I have two MacBook Pros myself, they are fantastic in every way.

I fix Macs for a living.
by Average Investor
Wed Jun 17, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Going Part time
Replies: 26
Views: 3783

Re: Going Part time

I think it is a good transitional move. Give it a try and see how it goes, you can always change your mind later if it does not work out. I'm in a similar situation except I run my own business. I've been doing the OMY thing for a few years now, there is enough money already it seems but it is hard ...
by Average Investor
Sun Jun 14, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buying in Bay Area (redux)
Replies: 72
Views: 10063

Re: Buying in Bay Area (redux)

I would not buy in this market. Keep saving and wait for the crash, the cycle in the Bay Area is boom and bust over and over again.

I am fortunate to own a home here, but it is far larger than I need now with a LBYM lifestyle and have started putting plans together to sell next year.

Good luck.
by Average Investor
Thu Mar 12, 2015 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 15940

Re: Dip? What Dip? Did you catch it?

Added a little to Total International 2 days ago. When I see a drop of 2% or more in any of my funds I will look around to see if I have anything to invest. Sometimes it works out nicely like here, other times it backfires with a further decline.
by Average Investor
Wed Mar 04, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: FREAK: a new SSL/TLS security hole
Replies: 4
Views: 940

Re: FREAK: a new SSL/TLS security hole

Thanks for the heads up.
by Average Investor
Sun Mar 01, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 7124

Re: Honda fit vs VW GTI

Both great cars. Fit will likely be more reliable long term, the GTI will be way more fun to drive and fit and finish are better than its class. VW parts fail with time in my experience. You might also consider the Golf, it is a closer comparison to the Fit. I was in a similar place a few years ago ...
by Average Investor
Sat Jan 31, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 6390

Re: Mac reliability?

Reliability and value of most Mac models is outstanding. With advancements in design and manufacturing, the newer models keep getting better and better. Like any product line though, some models are better than others. On currently shipping models you really cannot go wrong, they are all excellent. ...
by Average Investor
Thu Jan 01, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 7562

Re: What did you enjoy spending money on this year?

I splurged on a rare 1959 Fender Precision Bass guitar.
by Average Investor
Sat Dec 20, 2014 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: HELOC Draw For 2014 iBond/EE Bond Contribution?
Replies: 4
Views: 640

Re: HELOC Draw For 2014 iBond/EE Bond Contribution?

I wouldn't add 2.49% debt to purchase I Bonds currently paying 1.48%. Ed Thanks, I understand what you are saying. Short term it does not make sense. What I have been grappling with is whether to take a short term loan (say 6-12 months), to finance an investment I plan to hold for 20 years or more....

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