Search found 1526 matches

by DaleMaley
Tue Jun 07, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: New settlement fund issues
Replies: 3
Views: 479

Re: New settlement fund issues

Called vanguard this afternoon. And they are bouncing our money market check, because the account was upgraded more than the 45-day limit. Once they receive our form requesting a new checkbook on the Settlement account, they will send us a new check book. I told the Vanguard Rep that I sure missed t...
by DaleMaley
Tue Jun 07, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: New settlement fund issues
Replies: 3
Views: 479

Re: New settlement fund issues

"The settlement fund Beginning later in 2016, Vanguard Federal Money Market Fund will be the only money market fund you can use to settle brokerage trades. Vanguard Brokerage selected this fund for retail accounts because it's open to all investors and won't have fees and gates. Also, after co...
by DaleMaley
Tue Jun 07, 2016 7:08 am
Forum: Investing - Help with Personal Investments
Topic: New settlement fund issues
Replies: 3
Views: 479

New settlement fund issues

My wife's account had a forced upgrade because she owns one non-Vanguard mutual fund. This upgrade took place a few months ago. I didn't notice anything unusual with the change. We write large checks against the Prime Money Market fund to pay stuff like annual property tax, annual insurance bill, or...
by DaleMaley
Mon Jan 25, 2016 8:06 am
Forum: Investing - Theory, News & General
Topic: What was the 2000 crash like in real time?
Replies: 65
Views: 6051

Re: What was the 2000 crash like in real time?

Here's my view of stock market returns over my investing career. First was the glorious 1980's, with 18% compounded annual returns :D http://i64.tinypic.com/23hvvxe.jpg Then the 1990's were just as good with 18% compounded returns again :D :D http://i68.tinypic.com/2crrp6b.jpg Then March of 2000 sta...
by DaleMaley
Mon Jan 18, 2016 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Selling house, disappointed in realtors. Am I expecting too much?
Replies: 23
Views: 3503

Re: Selling house, disappointed in realtors. Am I expecting too much?

I moved 3 times (different states) in 4.5 years and all were corporate moves. I batted 67% on the quality of the real estate people I dealt with (2 out of 3 were ok). The 1 bad one was my 1st move back in 94. The relocation company called a guy in our small town that used to do 80% of the business, ...
by DaleMaley
Sun Dec 27, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Has the Asset Allocation of Bogleheads changed?
Replies: 2
Views: 1140

Has the Asset Allocation of Bogleheads changed?

I was recently asked to update my historical results, and see if the AA of Bogleheads has changed over time. Back in circa 2010, I researched and found several sources of AA versus age for large sample sizes. This led me to produce the following chart using this data: http://i65.tinypic.com/ifd27k.j...
by DaleMaley
Fri Dec 11, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: Advice for Encouraging Parents to Declutter Home?
Replies: 38
Views: 3012

Re: Advice for Encouraging Parents to Declutter Home?

My mother got rid of all the stuff from her 4 kids by giving it to them for Christmas gifts. I know of another case where the son would never take his old books, so dad boxed them up and US mailed them to him. With regards to old photographs, ask them to label the people in the photos because you wa...
by DaleMaley
Sun Nov 22, 2015 8:47 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 236
Views: 35258

Re: Roll Call for the Retirement Class of 2015!

I also got "an offer I couldn't refuse" early retirement incentive.

Officially retired 12/31/2015, but last working day is Dec 9th......because I am using up vacation days.

Looking forwards to spending more time on my many hobbies, and enjoying new grand-children.

Thanks
by DaleMaley
Sat Oct 31, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Low-cost and low-maintenance hobbies?
Replies: 69
Views: 7876

Re: Low-cost and low-maintenance hobbies?

There is a similar posting from Summer of 2014 about hobbies and their cost... https://www.bogleheads.org/forum/viewtopic.php?t=142794 I will repeat my 2014 posting........ My main hobby is woodworking. The good thing about woodworking, once you make the investment in the main power tools, then the ...
by DaleMaley
Sun Oct 11, 2015 6:40 pm
Forum: Personal Consumer Issues
Topic: Old Tools
Replies: 14
Views: 1860

Re: Old Tools

For certain jobs, you just can't beat an old nail puller. Recently my 32 year old son was totally amazed when he saw me use an nail puller that probably belonged to my grandfather on the farm. Just be careful and don't get your finger pinched while handling it or using it :) Below is a picture of an...
by DaleMaley
Mon Sep 28, 2015 6:13 am
Forum: Investing - Theory, News & General
Topic: Death Probability Calculator and "matching"
Replies: 25
Views: 2501

Re: Death Probability Calculator and "matching"

A fancier version of my chart.......... http://i57.tinypic.com/2jbny3k.jpg From the article Retiring And Living Well In An Age Of Longevity , SEPTEMBER 1, 2015 • RUSS HILL, Financial Advisor Magazine http://www.fa-mag.com/news/retiring-and-living-well-in-an-age-of-longevity-22879.html?section=47
by DaleMaley
Mon Jul 20, 2015 5:46 am
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 3657

Re: How do I fix a hole in this wooden door?

I would also vote for a new door. There are lots of ways to fill the damaged area, but the resultant finish will be smooth, and not match the existing wood grain......that is why you will find most people that recommend the patch job assume you will paint over it. If you don't want to mess with hang...
by DaleMaley
Sun Jul 19, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 3657

Re: How do I fix a hole in this wooden door?

I would also vote for a new door. There are lots of ways to fill the damaged area, but the resultant finish will be smooth, and not match the existing wood grain......that is why you will find most people that recommend the patch job assume you will paint over it. If you don't want to mess with hang...
by DaleMaley
Mon Jul 13, 2015 6:06 am
Forum: Personal Finance (Not Investing)
Topic: What's lining up to be the next big bubble?
Replies: 34
Views: 3301

Re: What's lining up to be the next big bubble?

I don't know how to predict future bubbles, but it is fun to look at the typical characteristics of past bubbles.......

Image

I don't see anything right now that fits the typical descriptors of a bubble right now.......... :D
by DaleMaley
Sun May 10, 2015 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality Reinforced - The Millionaire Next Door
Replies: 84
Views: 14370

Re: Frugality Reinforced - The Millionaire Next Door

I read the millionaire next door book quite a few years ago and really enjoyed it. I still run across people that are "all hat and no Cattle" :) I have been pretty frugal my whole life, keeping my vehicles until they hit 250,000 miles for example. my 1974 John Deere riding lawn just starte...
by DaleMaley
Sat May 09, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 update locked program
Replies: 2
Views: 659

Quicken 2015 update locked program

Quicken has released a version update for 2015. I went ahead and clicked to accept the update. The update errored out, with an error message. I thought ok, I will just ignore finishing the update until some future date...............but then quicken would not start up....because each time I tried to...
by DaleMaley
Tue May 05, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: Best Time of Year to Rebalance Portfolio?
Replies: 54
Views: 6802

Re: Best Time of Year to Rebalance Portfolio?

I choose to review my financial plan........and with it my asset allocation........in late december each year. I also update my instructions to my wife if I die before her at the same time. Based upon the late December review, I rebalance in early January, if rebalancing is needed. As others have po...
by DaleMaley
Sat May 02, 2015 7:16 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 7897

Re: Oh yuck, what just happened to the font?

control-shift-r just worked on my chrome browser...........thanks..............dale
by DaleMaley
Mon Apr 13, 2015 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 5797

Re: Engineering as a career for a graduating HS student ?

I'm still working in my 38th year as an Agricultural Engineer, which is basically a Mechancial Engineer with some agricultural engineering classes. My son is an Electrical Engineer, and is in his 8th year of working. The first two years of college are about the same regardless of engineering major, ...
by DaleMaley
Sun Apr 05, 2015 7:32 am
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 376
Views: 52047

Re: Do you think Ric Edelman is correct, never pay dow mortg

Let's say I decided to follow this advice in 1928. I own my home outright after many years and I am now comfortably retired, having depleted my human capital. However, I decide to take out a mortgage for the value of my home and invest the loan amount in the stock market. The following year, the ma...
by DaleMaley
Sat Apr 04, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: No AA for the wealthy ?
Replies: 25
Views: 3033

Re: No AA for the wealthy ?

Anyone contemplating a 100% allocation to stocks might want to read Benjamin Roth's Diary of the Great Depression..... http://tinyurl.com/omfuvaa This is the only eyewitness account of someone living through the Great Depression that I know of, with respect to the impact on business people and profe...
by DaleMaley
Fri Apr 03, 2015 6:58 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 11128

Re: Did you learn anything from 2008?

I stayed the course in the Tech Wreck years with a 90:10 stock to bond ratio. That was a long 3-year ride that was not much fun. In January of 2008, I switched to 60:40, because I was lucky enough not to need as much risk anymore. I learned that a 60:40 portfolio is a much easier ride down and back ...
by DaleMaley
Mon Mar 23, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 5557

Re: To MBA or Not to MBA

In my 37 years of industry experience, a Master's in Engineering does not give near the reward an MBA does.

A Phd in engineering automatically gets you moved up the food chain of engineering when you start work, but a MS doesn't do much for you.
by DaleMaley
Mon Mar 23, 2015 6:17 am
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 5557

Re: To MBA or Not to MBA

After working for about 9 years as an engineer in a Fortune 50 cyclic company, I almost got laid off in one of the periodic down turns. Since the company paid most of the cost of a night-class MBA, I decided to pursue the MBA.......so if I did get laid off in the future, I would be better qualified ...
by DaleMaley
Thu Feb 26, 2015 7:27 am
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 4185

Re: Is it actually impossible to time market crashes?

I don't know how to predict the next bubble, but it is fun to look back at the common themes of the last major bubbles:

Image
by DaleMaley
Tue Feb 24, 2015 7:08 am
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3934

Re: How do you plan on spending your time during retirement?

I plan on continuing my many hobbies when I retire: 1. Woodworking -continue to make new woodworking projects and give them to family members as Christmas gifts -continue to maintain or remodel houses of family members -learn a new skill each year. Last year was making ink pens and using Kokomo glas...
by DaleMaley
Tue Feb 24, 2015 6:57 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 17889

Re: How much did you have saved up for retirement at age 30?

My net worth at age 30 was $98,000 in 1985.............which is $212,000 in 2014 dollars. When I got out of college and starting working as an engineer, I saved anywhere from 15% minimum to a maximum of 25% of gross pay. When I started investing in 1979, inflation was in double-digits, the prime int...
by DaleMaley
Mon Feb 16, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 10507

Re: Rental Car Prices - is this the new normal ?

My company has a deal with National, and it is ok to rent cars for vacation using the same deal. I have done this many times and it is a pretty good deal. Someone dented one of my rental cars on vacation, and I did not know it even happened until I returned the car. National tried to hassle me abou...
by DaleMaley
Sun Feb 15, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 10507

Re: Rental Car Prices - is this the new normal ?

My company has a deal with National, and it is ok to rent cars for vacation using the same deal. I have done this many times and it is a pretty good deal. Someone dented one of my rental cars on vacation, and I did not know it even happened until I returned the car. National tried to hassle me about...
by DaleMaley
Tue Feb 03, 2015 6:47 am
Forum: Investing - Theory, News & General
Topic: Farmland investing
Replies: 31
Views: 3807

Re: Farmland investing

I grew up on a farm in Central Illinois. I have checked land prices in our area clear back to 1900. Our local weekly newspaper has a history section, and it often has a story about how much land sold for. Most of the time I plug in the historic land price, and the appreciation rate just about matche...
by DaleMaley
Sat Jan 17, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 117
Views: 26041

Re: Quicken 2015 for Windows - Any reviews?

I bit the bullet and upgraded to 2015 Deluxe. I got it for $37 from 50% off deal that shows up when I started Quicken 2012. Everything seems ok with 2015 Deluxe. I had to screw around and get the register font size and color set close to what I am used to. At least it is pretty easy to change these....
by DaleMaley
Tue Jan 13, 2015 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Get ready for lower SWR
Replies: 13
Views: 2208

Re: Get ready for lower SWR

Longer life excpectancies always seems to be a popular topic. A couple years ago, to satisfy my own curiousity, I plotted the change in life expectancy over time. I got my data from several sources, I don't remember the exact sources now: http://i59.tinypic.com/nz990.jpg So yes, the advent of modern...
by DaleMaley
Fri Jan 09, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Is there a bias in calculating safe withdrawal rate?
Replies: 30
Views: 2639

Re: Is there a bias in calculating safe withdrawal rate?

The 4% SWR rule is also based on a 30 year retirement period. As that 30 year period becomes longer, the 4% rate starts to get smaller.
by DaleMaley
Wed Jan 07, 2015 7:38 pm
Forum: Investing - Theory, News & General
Topic: Is it speculation to use the Callan Periodic table?
Replies: 35
Views: 4214

Re: Is it speculation to use the Callan Periodic table?

As Taylor mentioned in his post, we humans love to look for visual patterns..............probably a left-over from our prehistoric days when glimpsing the outline of a lion was very critical :D A few years ago I took a printed-out Callan table to work.......100% of the guys who looked at it immediat...
by DaleMaley
Sat Jan 03, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: Poll: How long have you been with your current AA?
Replies: 44
Views: 2977

Re: Poll: How long have you been with your current AA?

Age 22 (1977) started investing at 100:0......kept for 23 years Age 45 (2000) changed to 90:10.......kept for 8 years. Age 53 (2008) changed to 60:40.......maintained it for 8 years....plan on staying with it during retirement. I made a shift to 10% bonds in Jan 2000, because I knew I needed to grad...
by DaleMaley
Fri Dec 26, 2014 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Firing a financial advisor
Replies: 6
Views: 1331

Re: Firing a financial advisor

Since the OP is moving retirement accounts, and not taxable accounts.....the ploy that some of the large brokerage houses have tried with my family members moving to Vanguard won't apply. The ploy goes something like this, "Oh but you will have to pay capital gains taxes if you move it to Vangu...
by DaleMaley
Sun Dec 07, 2014 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Taxes in retirement
Replies: 4
Views: 955

Re: Taxes in retirement

I find it a lot quicker and easier to do these type of simulations in TurboTax versus an Excel spreadsheet. I assume the other tax preparation programs could be used as well to do these kinds of studies.
by DaleMaley
Wed Nov 26, 2014 9:07 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 28751

Re: What do you splurge on?

Woodworking tools. Although most of the items I make I give as Christmas gifts to family members. The most difficult thing I have ever made is a 1905 lamp reproduction: http://i45.tinypic.com/2w6utlg.jpg More details on the 1905 lamp project at... http://dalemaley.webs.com/1905lampreproduction.htm I...
by DaleMaley
Sun Nov 16, 2014 9:38 am
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 21549

Re: Bogleheads, tell me about your 40's?

I turned 40 in 1995. My 40's were an exciting and activity filled time. In 1994, we moved from Illinois to Greenville, SC, to start up a new plant. I was consumed with the plant start-up, and my wife was busy moving the 2 kids to new schools and new activities. In 1995, we moved to Athens, Georgia, ...
by DaleMaley
Thu Nov 13, 2014 7:19 pm
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 6666

Re: Your favorite classic toys for kids

When I was a kid in the 1960's, my favorite toy besides my Lionel train set, was Mr. Machine the robot. http://i58.tinypic.com/34gsk1x.jpg If I remember right, the first 2 years he was sold, you could completely dis-assemble the robot, and put it back together again. This is the model I had. Then th...
by DaleMaley
Thu Nov 06, 2014 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: How do you automatically rebalance?
Replies: 38
Views: 3577

Re: How do you automatically rebalance?

Each December, I review and update my own financial plan. Part of this process is to update my Excel asset allocation spreadsheet. My target is 60:40. If I get more than 5% away from the target, I rebalance. I use my 401K account to do the rebalancing, so there is no tax impact. If my AA has risen t...
by DaleMaley
Wed Oct 08, 2014 4:55 am
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 16201

Re: Sump Pump Running Every 8 Minutes?

Our water table level is relatively high in Central Illinois. When our house was one of the few in our small subdivision of 30 homes, my sump ran every 3 minutes in February through March time-frame. It ran much less frequently the rest of the year. I only got about 5 years per sump pump back then. ...
by DaleMaley
Mon Oct 06, 2014 5:38 am
Forum: Investing - Theory, News & General
Topic: What was your initial AA and how has that worked out?
Replies: 32
Views: 3194

Re: What was your initial AA and how has that worked out?

I started investing at age 23 and stayed with 100% stocks until age 45. At 45, in Jan of 2000, I switched to 90:10 and stayed with it until age 53 in Jan of 2008, and went to 60:40. I plan on staying 60:40 through retirement as well. I switched from actively managed mutual funds to index funds in 19...
by DaleMaley
Sun Sep 21, 2014 10:03 am
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2966

Re: When to throw out childhood toys? Encourage me please.

One of my favorite childhood toys was Mr. Machine. You could completely dis-assemble him and put him back together again. They only made the dis-assembly models a couple of years, then they switched to a model you can not dis-assemble. I don't know what happened to my original, so a few years ago I ...
by DaleMaley
Sun Sep 21, 2014 8:40 am
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2966

Re: When to throw out childhood toys? Encourage me please.

We had 4 kids in our family. When we all got married and were living on our own, my mother started giving us our old stuff back to us in the form of Christmas presents. Then we could decide on our own to keep it or trash it. A buddy of mine at work told his grown kids that he was getting a dumpster ...
by DaleMaley
Sun Aug 24, 2014 6:25 am
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 8347

Re: Is it me, or are "collectibles" worthless in 2014?

As someone already posted, it is surprising to watch Road Show Antiques TV show, where they re-run a 1999 show, then show the 2012 prices. I would have expected most antiques to at least hold their value ove 13 years, but this is not the case. It seems like the majority of items go down in value, wi...
by DaleMaley
Thu Aug 07, 2014 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 55
Views: 5943

Re: Your opinion of mint.com

I tried mint.com back in 2011,, and got very frustrated with it for tracking investments. From my posting back in 2011...... See this link........http://satisfaction.mint.com/mint/topics/cannot_add_my_vanguard_account I tried Mint.com a few weeks ago, and I could not get my vanguard account to be re...
by DaleMaley
Wed Aug 06, 2014 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 6039

Re: Who or what inspired you and your investing approach?

In the late 1970's, I used to go over to my friends house and I noticed a Money magazine laying out in his brother's room. I thumbed through it....it looked interesting....so I subscribed to it around 1978. In 1979, I took an adult ed class taught by an Edward Jones broker. As a text book, he used V...
by DaleMaley
Sun Jul 13, 2014 2:23 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 9152

Re: How much do you spend on your hobby annually?

Dale:

Your woodwork is beautiful! Thank you for sharing.

Note: The first two links did not work for me?

Best wishes.
Taylor[/quote]

Oooops, I did not do the links right..........I fixed them in the original post.......thanks
by DaleMaley
Sun Jul 13, 2014 11:57 am
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 9152

Re: How much do you spend on your hobby annually?

My main hobby is woodworking. The good thing about woodworking, once you make the investment in the main power tools, then the on-going expenses are relatively low......wood and consumables (glue, sand-paper, varnish, stain, etc). I probably average less than $1,000 per year the last 10 years on the...

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