Search found 517 matches

by CyclingDuo
Mon Jul 24, 2017 4:42 am
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 77
Views: 9064

Re: % bogleheads of overall population

munemaker wrote:Does the Net Worth Centile chart include the value of SS?


No.

That shouldn't be included in net worth.
by CyclingDuo
Mon Jul 24, 2017 3:37 am
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

It is brutally cold to ride any type of scooter or motorbike in winter. It sounds like you are in an area where you get snow, so by winter I mean morning temperatures below freezing and highs below 40 are common. There is a wind chill factor at 35 mph where you are going to want some pretty heavy g...
by CyclingDuo
Sun Jul 23, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 74
Views: 2660

Re: Investing Education and Mansplaining

Mansplaining - "(of a man) explain (something) to someone, typically a woman, in a manner regarded as condescending or patronizing." "I'm listening to a guy mansplain economics to his wife" (Oxford Dictionary) My 22 year old daughter/recent college grad is very sensitive to this...
by CyclingDuo
Sun Jul 23, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - Newbie never really paid attention before now
Replies: 9
Views: 890

Re: Rebalancing - Newbie never really paid attention before now

Wow! That is a lot of funds. Plenty of overlap that could be cleaned up and simplified if that is your goal. In his 401K, he holds the Vanguard International Growth Fund Admiral shares. That's a really good fund, with excellent performance, track record, and on and on (we own it as well). Worth pay...
by CyclingDuo
Sat Jul 22, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

Since 2009, I have been riding a Honda Metropolitan to my college campus. Longer commute than yours, free parking, get a good lock and an even better helmet,, I do my own oil changes and tire pressure, battery tender during summer, no special license, no insurance required, no issues whatsoever. Ex...
by CyclingDuo
Sat Jul 22, 2017 6:34 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - Newbie never really paid attention before now
Replies: 9
Views: 890

Re: Rebalancing - Newbie never really paid attention before now

Hello, first time poster, short time reader here! My spouse and I recently realized that we had a both too much money in our cash accounts, and that our investment accounts were either a) somewhat out of balance; mostly due to a lack of paying attention to them, or b) expending almost as much in fe...
by CyclingDuo
Sat Jul 22, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Choosing asset allocation for young children
Replies: 7
Views: 595

Re: Choosing asset allocation for young children

Q1: How have others in similar circumstances chosen AA? Q2: Should there be a bond component of the AA? Is it sufficiently defensive to "rebalance" by way of future contributions? We were 100% equities in the UTMA's for our children all the way until they were turned over to them at age 2...
by CyclingDuo
Fri Jul 21, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

finite_difference wrote:I vote Vespa Primavera based on style and price. If you had parking, could look at Volt, Leaf, Prius, Smart Car.


No doubt, the Italian classic style is a winner. Nearest dealer is 5 hours away, so it may not make the cut because of that.
by CyclingDuo
Fri Jul 21, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

I have Kymco People S 200 plenty of power for steep Seattle hills (it is more like a souped up 150cc and you might even find a 125cc enough, that is common size around the world and what I usually end up renting on travel adventures). But I would urge you to consider an e-bike you can take inside a...
by CyclingDuo
Fri Jul 21, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

I just wouldn't chance it riding with other cars. You are hard to see. You are unprotected. Other people will make mistakes. You will make mistakes. Bad combination. Find another way to work. Good luck, JT Remember, I ride my road bike 8-9 hours with traffic on roads, streets, highways facing the s...
by CyclingDuo
Fri Jul 21, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

... I already ride my road bike 8-9 hours a week year round, and my mountain bike another 1-3 when the trails are not muddy as well as weekend races. So I get plenty of pedaling in and am in racing shape. The goal of getting a scooter is to avoid riding a bike (e-bikes require pedaling as well), an...
by CyclingDuo
Fri Jul 21, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

I own a 2013 Honda PCX 150. I bought it used with 1,600 miles for around 2k. I would do it all over again. It is a lot of fun. I will leave the math for others, but sometimes you have to make decisions based on living life! The gas mileage is unreal. It seems like you never have to fill up. It can ...
by CyclingDuo
Fri Jul 21, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

I just wouldn't chance it riding with other cars. You are hard to see. You are unprotected. Other people will make mistakes. You will make mistakes. Bad combination. Find another way to work. Good luck, JT Another reason to go e-bike not scooter - the (small) increase in risk of serious accident wi...
by CyclingDuo
Fri Jul 21, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

If you are going the scooter route, why not pay up and buy an nice Vespa, it will hold its value. Look at all the other scooters, including the Asian ones that try to look Italian. They are not. The Vespa has that whole "Roman Holiday" history. I think the nearest Vespa dealer is in Chica...
by CyclingDuo
Fri Jul 21, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

Scooter owner here, but not for commuting. I would not limit yourself to just Honda and Yamaha - scooters are easy to work on, so likely there are many local shops that can service. I own a Sym scooter and love it. Sym and Lance (related) are very reliable scooters. There is a Lance/Sym dealer 100 ...
by CyclingDuo
Fri Jul 21, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

Scooter owner here, but not for commuting. I would not limit yourself to just Honda and Yamaha - scooters are easy to work on, so likely there are many local shops that can service. I own a Sym scooter and love it. Sym and Lance (related) are very reliable scooters. There is a Lance/Sym dealer 100 ...
by CyclingDuo
Fri Jul 21, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Re: Scooter for local commute - Honda PCX 150, etc...

Great suggestions and comments so far! Thank you very much. What about wintertime? Winter with snow days would have me driving the AWD truck for the commute. It's usually only a pain for a couple of months and they hit the streets with plows, sand, salt ASAP on those days when snow falls and the pav...
by CyclingDuo
Fri Jul 21, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 42
Views: 1792

Scooter for local commute - Honda PCX 150, etc...

Okay, no giggles or titters please form motorcycle owners. I am seriously considering picking up a scooter such as a Honda PCX 150 for my daily commute to where I work (college campus). I did own a small Honda scooter in 1979-1983 that I used as a student on campus, and around the town where I atten...
by CyclingDuo
Fri Jul 21, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 1803

Re: How is U-Haul for getting a trailer hitch?

Looks like U-Haul has the hitch I'm interested in putting on a new 2017 Honda CRV and reasonably priced, about $275 for hitch and wiring installed. Honda dealer wants about $700-$800 for same. Wondering if these guys are any good and I should trust them to put a hitch on a brand new pristine vehicl...
by CyclingDuo
Fri Jul 21, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Approaching major milestone, need cool-headed advice
Replies: 34
Views: 4647

Re: Approaching major milestone, need cool-headed advice

What do you all think? Am I over-valuing the option to rejoin the health plan once I become 65? Am I over-valuing the pension? Is my desire to remain a part of the womb-nest that the university builds around its students and employees ridiculous compared to the freedom of leaving work? Am I unreaso...
by CyclingDuo
Thu Jul 20, 2017 7:35 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 3919

Re: Expense Ratios, how high is too high

What would be the highest expense ratio you would be willing to pay for a particular investment. I have several funds in an IRA with what seems high expense ratios, 1.18%, 1.17%, .71% and another .44%. EJ Adviser put me in these, along with some that have lower expense ratios such as 0.05. I'm movi...
by CyclingDuo
Thu Jul 20, 2017 5:59 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Advice
Replies: 6
Views: 443

Re: 403(b) Advice

Hello Bogleheads, I am seeking advice regarding 403(b) fund selection/allocation. About Age: 33 Debt: None Emergency funds: Yes Tax filing: Single Tax rate: Federal (28%), State (9.3% - California) State of residence: Just moved to CA and will be working in the K-12 public education system. Retirem...
by CyclingDuo
Tue Jul 18, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Net Worth?
Replies: 22
Views: 2391

Re: Personal Capital - Net Worth?

So do you track your furniture too? Your flat panel TV? Your home theater system? Your fine China and silverwear? Your crystal glasswear? When you sold those cars, you likely bought replacements. So you cycle through buying a $30,000 car and selling it for $5,000 some years later, and make some gue...
by CyclingDuo
Tue Jul 18, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Net Worth?
Replies: 22
Views: 2391

Re: Personal Capital - Net Worth?

Whether or not you track value of cars, yachts, Monets, etc. depends on your style and their worth. It's unkind to say cars are trivial to a car guy. I've got 8 vehicles; 4 of them depreciating and 4 collectables increasing in value. If I didn't consider them in my net worth I think I would also ha...
by CyclingDuo
Tue Jul 18, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Three funds in 401k to mirror Total World Index
Replies: 4
Views: 312

Re: Three funds in 401k to mirror Total World Index

My wife's 401k now offers a BlackRock International Index and BlackRock Russel 2500 Index. She is currently in the BlackRock S&P 500 index. What percentage of each fund will be close enough to mirror the Vanguard Total World Index? It doesn't have to be exact, just close enough or in the ball p...
by CyclingDuo
Tue Jul 18, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 67
Views: 2904

Re: Essential Bike (bicycle) Accessories

So my wife and I just picked up our first bikes in a long time...very happy! Rode all over town yesterday. Now we have the "necessary" task of stocking up on all the essential extras we're going to want/need. In addition to helmets, we are loosely planning on a few items... 1. Prob a smal...
by CyclingDuo
Tue Jul 18, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 1960

Re: Cellphone nightmare - please help

I currently use Credo for my cellular phone service. The reception has been terrible (a nightmare in fact in that emergency calls get dropped, etc.), especially but not at all limited to my house, and after going round and round with Credo, trying many fixes, it looks like they may be willing to le...
by CyclingDuo
Mon Jul 17, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Net Worth?
Replies: 22
Views: 2391

Re: Personal Capital - Net Worth?

On another thread: Why not sign up at Personal Capital so it calculates net worth for you - debts, assets, real estate, etc... . So I signed up there to see how it works and if it's any better than Mint was. But I don't see any place to enter my real estate and vehicle holdings. What am I doing wro...
by CyclingDuo
Mon Jul 17, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for college
Replies: 3
Views: 328

Re: Investing for college

Dear Bogleheads, In researching about college investing for my 2 yo, I learnt of the following glide path (I think the source of the table below is Morning star, but not entirely sure). It applies the same logic as one would to personal investing. As you get closer to withdrawl date, reduce the ris...
by CyclingDuo
Mon Jul 17, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Best Investment Options for Inheritance
Replies: 9
Views: 881

Re: Best Investment Options for Inheritance

Hello everyone. I believe I have studied up on this well, but am looking for confirmation please, or other ideas if I am off base. I am married, and both my spouse and I are in our early forties, work decent jobs, and we have both maxed out our 401k contributions, and our Roth IRA contributions for...
by CyclingDuo
Sun Jul 16, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1575

Re: Net Worth Calculation - Am I Doing It Right?

DW and I are applying for new term life insurance policies. As part of our respective applications, we're asked to provide our net worth. Now I know this is a matter of simply subtracting liabilities from assets. My uncertainty concerns how to calculate our individual net worth, taking into account...
by CyclingDuo
Sun Jul 16, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1575

Re: Net Worth Calculation - Am I Doing It Right?

DW and I are applying for new term life insurance policies. As part of our respective applications, we're asked to provide our net worth. Now I know this is a matter of simply subtracting liabilities from assets. My uncertainty concerns how to calculate our individual net worth, taking into account...
by CyclingDuo
Sun Jul 16, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How to use retirement funds for college without penalities or taxes?
Replies: 31
Views: 1958

Re: How to use retirement funds for college without penalities or taxes?

Although looking at the worse possible scenario is wise, it's also valuable to look at the median as well as best possible scenario in terms of a savings plan, and sticking to that plan. CyclingDuo, A normal aka reasonable person would not fund their 529 ahead or at the same degree as their own inv...
by CyclingDuo
Sun Jul 16, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How to use retirement funds for college without penalities or taxes?
Replies: 31
Views: 1958

Re: How to use retirement funds for college without penalities or taxes?

I get what you're saying as well. The funds in retirement accounts can't be used until later without penalty. However, money being saved in a 529 for college expenses while kids are young is sort of in the same situation. Now let's say that later day finally arrives. If someone's kid does go to col...
by CyclingDuo
Sat Jul 15, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 566
Views: 141494

Re: Share your net worth progression

Edited: Interesting article about tracking your wealth from The Wall Street Journal available here:

http://www.marketwatch.com/story/1-mill ... yptr=yahoo
by CyclingDuo
Sat Jul 15, 2017 7:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6218

Re: Vanguard 403b Changes

Supposedly many people were calling and asking to pay higher fees. Sounds unlikely, but I consider it a complete breach of trust. I'm always looking to pay more fees. :shock: I completely agree that Vanguard failed their customers here. I guess there aren't too many Vanguard 403b customers on this ...
by CyclingDuo
Sat Jul 15, 2017 6:22 am
Forum: Investing - Theory, News & General
Topic: 50% Cash, 50% Stocks: The Opportunistic Portfolio
Replies: 43
Views: 4090

Re: 50% Cash, 50% Stocks: The Opportunistic Portfolio

Thanks for the replies, guys! Regarding cash vs bonds, it's somewhat irrelevant to what I proposed. It could be bonds instead of cash, the point was using a safer asset in times of crisis to finance the purchase of a riskier asset in the market bottom. Regarding that, do you guys know of any study ...
by CyclingDuo
Fri Jul 14, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to use Retirement Funds for College Savings
Replies: 53
Views: 2489

Re: How to use Retirement Funds for College Savings

I simply see no reason to contribute to a 529 plan if space is still available in retirement accounts. This is how I prioritize things: 1) 401K up to company match 2) HSA 3) 401K to the limit 4) Roth IRA 5) Taxable account 6) 529 Plan We, having been there and done that which included paying for al...
by CyclingDuo
Fri Jul 14, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 77
Views: 9064

Re: % bogleheads of overall population

Some bogleheads cannot contribute that much. I can't. Agreed! Although this forum skews to high income earners, it is entirely possible to follow Boglehead principles on a moderate income. I make $38k per year. My husband recently got a raise to $22 per hour. I have mandatory pension contributions,...
by CyclingDuo
Fri Jul 14, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: UGMA/UTMA how much is too much?
Replies: 38
Views: 1534

Re: UGMA/UTMA how much is too much?

Baby received $2500 at birth. I'm thinking of putting that into a UGMA/UTMA. But if grandparents continue to be so generous, it may play against him when it comes to financial aid when he turns 18. How much is too much under the student's name? We can max out retirement savings and 529. Are we cons...
by CyclingDuo
Fri Jul 14, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 144
Views: 13173

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 CyclingDuo
Fri Jul 14, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 77
Views: 9064

Re: % bogleheads of overall population

Some bogleheads cannot contribute that much. I can't. Agreed! Although this forum skews to high income earners, it is entirely possible to follow Boglehead principles on a moderate income. I make $38k per year. My husband recently got a raise to $22 per hour. I have mandatory pension contributions,...
by CyclingDuo
Thu Jul 13, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: How to use Retirement Funds for College Savings
Replies: 53
Views: 2489

Re: How to use Retirement Funds for College Savings

I am a long way off (oldest is 3) before I will have to pay for any college expenses, but I want to plan ahead on how to do so. None of the threads I looked through explained exactly how to use 401k or IRA funds to pay for college. I think that the odds of the landscape being different in 15 years ...
by CyclingDuo
Thu Jul 13, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: How to use Retirement Funds for College Savings
Replies: 53
Views: 2489

Re: How to use Retirement Funds for College Savings

I am a long way off (oldest is 3) before I will have to pay for any college expenses, but I want to plan ahead on how to do so. None of the threads I looked through explained exactly how to use 401k or IRA funds to pay for college. I think that the odds of the landscape being different in 15 years ...
by CyclingDuo
Thu Jul 13, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 7018

Re: Do you count vehicle equity in net worth?

Not that you have to have it included in net worth as this post is a bit off subject, but an itemized list stored safely somewhere will come in handy some day if you are ever unfortunate enough to experience an event like a tornado, hurricane, flood, fire, etc... . We live in tornado alley, so keep...
by CyclingDuo
Thu Jul 13, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 7018

Re: Do you count vehicle equity in net worth?

Boy, lots of people compute NW. I wonder why. It's a side effect of my using Quicken, but the only things I use NW for is to see if we're up or down versus last year, and occasionally when I make my half-hearted pitch to my wife to retire. And, since I don't track cars in Quicken, the short answer ...
by CyclingDuo
Wed Jul 12, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 7018

Re: Do you count vehicle equity in net worth?

As the subject says and just curious what the majority is. If you do, where do you draw the line? Count jewelry and other objects? Seems excessive and unnecessary. I've always thought of net worth as most reference it as no more than cash, investments, and home equity. http://time.com/money/collect...
by CyclingDuo
Wed Jul 12, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Improving a 403b plan
Replies: 3
Views: 330

Re: Improving a 403b plan

Hello all, I am a fairly junior member of my employer's HR team. Today while I was routinely requesting paperwork, form templates, etc. for our employees, our 403b plan advisor (CFP of some kind) mentioned to me that he thought it was time for us to look at doing a total refresh of the plan for Jan...
by CyclingDuo
Wed Jul 12, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Exchange 80+ stocks with capital gains for funds?
Replies: 25
Views: 1973

Re: Exchange 80+ stocks with capital gains for funds?

Hello board members, I currently own over 80 individual stocks in a taxable account, courtesy of a former advisor. All of these have long-term capital gains. The stocks include a lot of recognizable names along with some obscure companies. None of the stocks amount to more than 1.5% of my total por...
by CyclingDuo
Wed Jul 12, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Asset Allocation Critique
Replies: 11
Views: 487

Re: Roth IRA Asset Allocation Critique

Below is my current financial situation. I'd appreciate your feedback on my AA. Thanks! Emergency funds: 3+ months of household expenses in cash Debt: two outstanding debts (one 0.75% simple interest, one 0%) totaling $35,000 Tax Filing Status: Married, Filing Jointly Tax Rate: 15% Federal, 3.46% S...

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