Search found 1378 matches

by G12
Wed Nov 09, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 104
Views: 9874

Re: Which state to move for milder weather

I am in Atlanta now. A couple of random things. 1) The traffic is really bad and getting worse every year. Don't underestimate this as a factor. The commute is an obvious problem but even trying to plan to go somewhere like a sports event, concert, shopping, etc on a week day evening since you coul...
by G12
Wed Oct 26, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 21087

Re: Need help. Drowning in debt and worried about the future and retirement

I checked into refinancing my car with autopay just so I could see all my options. Two options: 1750 down either way with a 6.25 % interest rate. Current rate is 13.24% 72 months: 308.65 a month 66 months: 348.90 a month First payment due December 10. Likely better option is just finding a differen...
by G12
Mon Oct 03, 2016 6:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 13546

Re: Where is Livesoft?

I like sarcasm, maybe because I am sarcastic, maybe because it makes his posts' more pointed. People who wonder where livesoft is yet pose concern as to Livesoft's whereabouts are confused though. :P
by G12
Sat Oct 01, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6073

Re: Where/how do Bogleheads get their tires inflated?

I have had one of these Goodyear models, it is significantly more powerful than some of the smaller units. I have larger SUV tires and travel a lot and it fills tires pretty quickly and has been very durable.

Goodyear i7000 12-Volt Direct Drive Heavy-Duty Tire Inflator
by G12
Mon Sep 19, 2016 2:22 pm
Forum: Investing - Theory, News & General
Topic: American Funds claims to beat Index funds
Replies: 42
Views: 3602

Re: American Funds claims to beat Index funds

Yes, the excluded upfront sales charges, or omitting the declining deferred charges of other class shares, etc. If in a 401k or similar with low cost versions with waived front end loads AF might be worth trying if other available funds are worse. Try VEIRX instead of VOO as the comparison fund and ...
by G12
Thu Sep 08, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Any King Charles Cavalier Spaniel owners here?
Replies: 29
Views: 2271

Re: Any King Charles Cavalier Spaniel owners here?

If a KCS is what you want for a family dog then go with it. I do not believe any dog breed is hypoallergenic. Wheaten terriers, Doodles, whatevs and the Australian guy who originally started breeding doodles admitted they are not hypoallergenic as only 1 dog from the first litter was believed to hel...
by G12
Tue Aug 23, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: How much MLP is reasonable in a portfolio?
Replies: 18
Views: 1346

Re: How much MLP is reasonable in a portfolio?

You are talking about a 401k and this should not an issue unless there is over $1,000 in UBTI income, then tax is owed and the 401k sponsor needs to file a tax return and the 401k needs to pay the tax out of your plan balance. The investment is a fund and avoids potential UBTI taxation. I'm actuall...
by G12
Mon Aug 22, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: How much MLP is reasonable in a portfolio?
Replies: 18
Views: 1346

Re: How much MLP is reasonable in a portfolio?

I'm really more of a Core-4 wannabe. However, megacorp is once again tinkering with the 401k options. In the past, we got slaughtered with the MLP that was part of the package. It was something like 20% of the portfolio, and dropped like a rock. Now, they have changed tickers to MLPPX , and decided...
by G12
Thu Aug 11, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 109
Views: 9633

Re: Buying a new home at age 50 in a nicer neighborhood

your savings of ~$900K are lower than BH standards. I just love statements like these. :? I chuckled myself. Meh, merely $900K and nearly zero debt with just a high school education, shame on me ;) What are these specific elusive Boglehead standards? :-? I would say living by retired nuns would be ...
by G12
Thu Aug 11, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Does playing in WNBA make fiscal sense
Replies: 41
Views: 2344

Re: Does playing in WNBA make fiscal sense

But coaching at a major school is a good guaranteed gig. I believe UCONN assistants are in the 150 -200K range. But of course you have to win. Ha! I'm laughing about assistant coaches salaries once one is out of the top 10 women's programs. Those coaches probably make less than $50K a year and coul...
by G12
Mon Aug 01, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with excise tax on new cars?
Replies: 13
Views: 689

Re: Anyone familiar with excise tax on new cars?

In GA the annual ad valorem tax formerly owed at annual tag renewal was converted to a one time up-front tax at the time of purchase in 2013. Think it started at 6% and will max out at 7% and applies whether purchased from dealer or an individual, new or used vehicle. I'm not a fan of the new system...
by G12
Mon Jul 25, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 7006

Re: Car totaled, no collision insurance

I don't see how it makes sense for a college student going to school out of state to have her own insurance in that state. I'm pretty certain that nearly all parents do it the same way I am: Insure the car here at home under the parent's policy. Am I missing something? I think you are right about t...
by G12
Mon Jul 25, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: Buying a VW?
Replies: 30
Views: 2109

Re: Buying a VW?

My wife has a 2012 2.0 Turbo Beetle with DSG transmission. She has put over 70k miles on it. We had some issues with the sunroof as it was the first year post "New Beetle" model changeover, that was all fixed under warranty. Mechanically, the only real thing that comes to mind was a module...
by G12
Mon Jul 04, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Looking for option for uninvested Roth
Replies: 19
Views: 939

Re: Looking for option for uninvested Roth

I'm feeling kind of lazy today. Looking at your current AA why not invest in something with a similar AA in a target date or LS fund and not have to sell/rebalance anything in your existing portfolio, etc. I would probably put it in admiral Wellesley VWIAX and carry on although I understand the inde...
by G12
Sat Jul 02, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 7031

Re: Living off dividends/interest in retiremeht

Thus, I suddenly came to the realization that I can easily live off dividends and interest if I structure my portfolio to maximize dividends instead of total return. My question is whether there are any Bogleheads retirees that do so? I have been retired for 6 years, retired at 47. My wife still wo...
by G12
Wed Jun 29, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: Lending Club
Replies: 32
Views: 2692

Re: Lending Club

I agree with all of that, AND I understood it from my first investment. Thus the reason that despite the awesome returns, apparent minimal volatility in returns, and very low correlation with my equities, that I only invest 5% of my portfolio in it and recommend others also limit their investments ...
by G12
Fri Jun 24, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 5080

Re: Dog attacked by another dog

That's crazy. But then again you probably have a jerk cop in every city. But there are also great ones who would more than likely handle the situation appropriately. I was at my city park playing frisbee with my dog one time...he was off leash and I of course knew full well it's technically against...
by G12
Thu Jun 23, 2016 6:24 pm
Forum: Investing - Theory, News & General
Topic: How Much To Tilt To Small Value?
Replies: 50
Views: 5914

Re: How Much To Tilt To Small Value?

My portfolio is ~ 42% value, primarily due to LCV exposure and some individual holdings, then again I am not a Boglehead purist. I have always invested with a tilt to value and historically had significant small cap holdings, YMMV. I recall RZV, due to it being a much more "value" focused ...
by G12
Wed Jun 22, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Sell Condo or Become Landlord in Chicago
Replies: 14
Views: 1370

Re: Sell Condo or Become Landlord in Chicago

I recently sold a rental property we owned for 6 years, we never occupied the property. Did well on rental income, tenants, sold for a gain, etc but the depreciation recapture and its tax impact, plus capital gains, etc and I would take the tax free sale in a heart beat. If you have not researched t...
by G12
Mon May 23, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a soon-to-be MLB draftee
Replies: 48
Views: 6349

Re: Advice for a soon-to-be MLB draftee

Is he a pitcher or position player? Odds are obviously slim of making and sticking in MLB, he is probably making the right decision to go as a junior as seniors have zero leverage regarding money. If the parents are not financially experienced they could do far worse than speaking with the Vanguard ...
by G12
Wed Apr 27, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: Mohnish Pabrai launches ETF channeling Charlie Munger
Replies: 24
Views: 4013

Re: Mohnish Pabrai launches ETF channeling Charlie Munger

This is clearly supposed to be an important and non-obvious principle. But is he saying look carefully at the cannibals so you can concentrate on holding them, or is he saying look carefully at the cannibals so you can avoid them? Perhaps he is implying stay away from companies that buy back stock ...
by G12
Sat Mar 05, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant said our investment funding priorities were wrong, confused
Replies: 11
Views: 1821

Re: Accountant said our investment funding priorities were wrong, confused

What your accountant is telling you is that $118k modified adjusted gross income is the cap to take deductions for traditional IRAs, and that you and your spouse should contribute either to 401k/403b instead in order to get below the $118k limit and reduce your taxes that way. The 401k/403b contribu...
by G12
Thu Mar 03, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 7830

Re: Cast Iron Frying Pans

My wife bought a Martha Stewart enamel covered cast iron dutch oven on sale a few years ago, it has held up very well and requires no maintenance. We had a variety of other cast iron cookware we use occasionally, I consistently have to go behind her to re-season the skillets and keep them in good co...
by G12
Thu Nov 05, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Potential Energy Downside?
Replies: 27
Views: 2721

Re: Potential Energy Downside?

Who besides me was buying when the streets were red with blood back in late August? Lately, the lemmings have been showing up en masse to the party, guess they were too busy down at the beach to notice the bargains then. :) My average cost for VDE is somewhere near $85. I am not sure whether to sel...
by G12
Wed Oct 14, 2015 1:09 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 329
Views: 30125

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

I was instant approved last Thursday after finishing the pending application. Have not received the esign email, etc, and have messaged through the account page indicating approved and via email and have not heard jack. At this point I don't really care if the CD funding happens or not as it does co...
by G12
Mon Oct 12, 2015 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date Retirement Funds
Replies: 31
Views: 3491

Re: Vanguard Target Date Retirement Funds

Regarding costs, I noticed my wife's 403b plan recently moved from investor class to institutional class shares, dropping the ER to 10 basis points, what's not to like unless one doesn't want to own foreign bonds.
by G12
Mon Oct 12, 2015 10:51 am
Forum: Investing - Help with Personal Investments
Topic: International Stock Funds -- My Choice.
Replies: 10
Views: 738

Re: International Stock Funds -- My Choice.

Since the holdings are in an IRA have you consider the global low vol fund, https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/productoverview?fundId=0594 ? It is 50% US so you would have to determine what amount to add and holds less than 500 stocks, but could have less downside risk ...
by G12
Tue Oct 06, 2015 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Visa card problems at Walgreens
Replies: 22
Views: 2469

Re: Visa card problems at Walgreens

I used an AMEX with chip at a Walgreens out of state when traveling last Thursday with no problem.
by G12
Tue Oct 06, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard delays ACH funds availability
Replies: 55
Views: 6049

Re: Vanguard delays ACH funds availability

Many credit unions do not interface directly with the ACH system, since they are not a "member bank". In such cases, ACH's to CU's need to route through a real bank, which can take an extra day. (I used to run payroll for our company, and the direct deposits to small CU's would always req...
by G12
Mon Sep 14, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Dog / Pet insurance - is it worth it?
Replies: 33
Views: 2673

Re: Dog / Pet insurance - is it worth it?

I know the person that has run a breed specific rescue organization here long term and has consistently had 2-4 permanent dogs as pets since I have known her. In her situation she said she has had very good results with pet insurance coverage through the years and never had a claim denied, which inc...
by G12
Wed Aug 26, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: John Greaney reviews Vanguard Personal Advisor Services
Replies: 14
Views: 2997

Re: John Greaney reviews Vanguard Personal Advisor Services

friar1610 wrote:And, as if to prove his point, he tried to sell me a mutual fund before I got off the phone. :?


LOL, at least he was upfront about it and did not lie or waste your time further. :beer
by G12
Wed Aug 26, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 56
Views: 7924

Re: Floss aversion

I have tight teeth and prefer Glide. The older type, waxed or unwaxed, was a real struggle to get between a few molars.
by G12
Tue Aug 25, 2015 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 55
Views: 7910

Re: my retired mother's predicament

No none knows what will happen in the markets. If it were late 2008/early 2009 it would be easy to say stay invested as the market valuation at that point was on your side longer term, who knows where we really are today? Will it be like 2011 and continue down pretty strongly then rebound in early O...
by G12
Fri Aug 21, 2015 3:46 pm
Forum: Investing - Theory, News & General
Topic: Bogle: retirees should focus on dividends
Replies: 157
Views: 18319

Re: Bogle: retirees should focus on dividends

jalbert wrote:If you don't mind (and can afford) paying more in taxes, JB's strategy is fine.

-jalbert

Or someone's personal tax situation could be they owe nothing on QDI and LTCG, it is tax filer specific.
by G12
Fri Aug 21, 2015 3:34 pm
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 9319

Re: Piling into emerging markets

I don't know about piling in, but I have been misbehaving in the domestic energy sector.
by G12
Tue Aug 04, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Hike the Pacific Crest Trail/JMT
Replies: 74
Views: 8847

Re: Hike the Pacific Crest Trail/JMT

I recall reading somewhere a hiker started on the southernmost leg 2 different trips and was unable to find water due to the continuing drought. Don't know that would affect what you would like to do, but would check. He was using updated info as to where water sources were to be found, I think this...
by G12
Tue Aug 04, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 66883

Re: Free Windows 10 Upgrade, Yes or No?

I reluctantly upgraded from Windows 7 to Windows 10 and initially liked Windows 10 - until I tried to use my HP LaserJet 4 Plus printer (I depend on this old printer because I print a lot and its ink is cheap). Googling the problem suggests that I need to replace my "Parallel to USB Converter ...
by G12
Sun Aug 02, 2015 5:42 pm
Forum: Personal Consumer Issues
Topic: Experience using cell phone tethering on 4G-LTE vs wifi for home internet
Replies: 25
Views: 3280

Re: Experience using cell phone tethering on 4G-LTE vs wifi for home internet

Video streaming is very data intensive particularly if you're streaming in HD. We saw a huge spike in data usage when we started using MLB TV subscription service with our Apple TV/Roku boxes. Streaming an MLB game seems to use much more data than a long HD movie or 3 episodes of HD tv show. Yes on...
by G12
Tue Jul 21, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 76
Views: 8966

Re: Do you hate your vehicle infotainment system?

I have a 2014 Ford Flex with the Touch system. I read it is clunky, I don't find it all that clunky, sometimes a little slow, people should update to the most recent software. The Bluetooth is crystal clear, it plays music from my iPod via BT great, it plays music from a jump drive in a USB port in ...
by G12
Mon Jun 29, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 13
Views: 2334

Re: Can you simply change the music file structure in iTunes?

Is there any way to simply solve this problem and reorganize things the way I like them (alphabetically by tune within separate genre files), so that finding individual song files, or finding everything by a specific group or composer, is simpler when I am not working in iTunes, such as on my Andro...
by G12
Sat Jun 27, 2015 12:25 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 33811

Re: What ratio are you stocks/bonds and how old are you?

52 and 50 years old. 45% equity, 20% investment RE, and 35% fixed income comprised of EE bonds (this is about 30% of bonds) that will mature over the next 10 years, CDs, TIPs, some Ibonds, and shorter duration bond funds, both are SSI eligible and wife will have a modest pension, + may or may not be...
by G12
Mon Jun 22, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 8332

Re: Anyone have A/C fail on an older Honda CRV?

Frankly, I'd probably go ahead and have the A/C fixed because I'll probably take an equivalent $$ hit if I trade without fixing it. But the bind I'm in is that I could end up paying to fix it and have the A/C fail again. From what I read on the web, if the entire system isn't replaced to take care ...
by G12
Mon Jun 22, 2015 6:24 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 98
Views: 16803

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

Grt2bOutdoors, I looked at your join date. Recall how things were going on here 10/2008 - 4/2009?? C'mon, now, current posts are nothing like that, but could be when the SHTF again. I am pseudo-retired (I say this as I don't believe I can be fully retired until my wife retires) but never going back ...
by G12
Mon Jun 22, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: Will I regret using Composite Decking instead of PT Decking
Replies: 23
Views: 4061

Re: Will I regret using Composite Decking instead of PT Decking

I have no experience with composite planking. We had a covered deck built to replace an open deck of PT wood almost 6-years ago that was probably 15-20 years old and used prime grade PT wood. The initial water based semi-transparent stain on the entire area under the roof looks almost new, the stair...
by G12
Mon Jun 22, 2015 1:15 pm
Forum: Investing - Theory, News & General
Topic: Wsj article today on reit investing
Replies: 34
Views: 7280

Re: Wsj article today on reit investing

It does not look like the article is controversial around here at all. It seems like almost all the respondents are aware of REITs and their role in a portfolio, so that they have some REIT funds. For myself, I do have an asset allocation to REIT index funds (VNQ) which ranges from about 0% to abou...
by G12
Wed Jun 17, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 94
Views: 14011

Re: The cost of walking el Camino de Santiago

Victoria, interesting about the thread, I had not heard of that. I can understand the bonding aspect of leg 1 and feeling one had accomplished the entire trek, but feeling well and being able to finish would trump that. Think I had shared the boulder fields story of Mt St Helens when summitting and ...
by G12
Wed Jun 17, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 94
Views: 14011

Re: The cost of walking el Camino de Santiago

Victoria, Thank you for sharing the details of your Camino with us. Can I ask a question, purely out of curiosity? Was there a specific reason you began your Camino on the Spanish side of the Alps versus French (SJPP?) Barefootgirl, St Jean Pied de Port (SJPP) is on the French side of the Pyrenees,...
by G12
Wed Jun 10, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: Bigger phone screen 5.5" or Waterproof Phone 5.0" screen - which is more useful?
Replies: 12
Views: 1464

Re: Bigger phone screen 5.5" or Waterproof Phone 5.0" screen - which is more useful?

When I was upgrading from the Samsung S3 last summer I looked at the LG G3 and Samsung S5 and played around with them at Costco. I did like the camera and laser focus on the LG, but chose the S5 due to other reasons, plus expandable memory and easy battery replacement like the S3. The camera in the ...
by G12
Sat May 23, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 9204

Re: please confirm: early retirement

We live pretty cheaply and could not live on $35K - $40K a year. Just property taxes, homeowners, vehicle, and health insurance takes a big chunk. Glasses and contacts are not free and neither are teeth cleanings. Will that 15-year-old ever get a drivers license and go on your car insurance? Will y...

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