Search found 323 matches

by MichaelRpdx
Thu Mar 29, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Total return vs dividends
Replies: 54
Views: 4481

Re: Total return vs dividends

A portfolio composed of 50% Intermediate term US treasuries + 50% FTSE all world equities generates a portfolio yield of 2.35%. An AWR (annual withdrawal rate) of 2.35%. Assuming a term of 30 years most people want an AWR of 3 to 4%. However the OP wrote: If my portfolio will generate enough divide...
by MichaelRpdx
Wed Mar 28, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Computer Security
Replies: 55
Views: 3483

Re: Computer Security

Another explanation of why a Chromebook is a good idea.
https://www.cnet.com/news/how-google-ch ... y-experts/
by MichaelRpdx
Thu Mar 15, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61896

Re: Netflix, Your Current Favorite Show

We've started in on Four Seasons in Havana.
Set in Cuba in the late 1990s it is visually beautiful.
by MichaelRpdx
Fri Mar 02, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2569

Re: Google Pixel 2 Users-Experience So Far?

https://en.wikipedia.org/wiki/Pixel_2#Issues Wow, what a list of problems. Reading it was like reading a novel - because they are so unfamiliar to me. I've had my Pixel 2XL since they first became available, having traded in my Nexus 6P for one. I did have a warranty exchange after the microphone q...
by MichaelRpdx
Thu Mar 01, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 2402

Re: Question for older bicyclist, coming back from injury

How do you come back from that? How do I avoid the fear? What kind of things should I do to mitigate this kind of injury? My front tire slid out on a corner (oversteering? sand on the roadbed? hit some other trash?) I lost three teeth (despite helmet) and got generally banged up. As luck would have...
by MichaelRpdx
Sat Feb 24, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 6296

Re: Expat Living

Spain, the top retirement destination, is much cheaper than the US. And, including healthcare, any of them is a good savings. And Portugal is even cheaper. For those interested in armchair exploring and searching: The Earth Awaits by default allows you to specify and search on world region(s) of in...
by MichaelRpdx
Sat Feb 24, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 10148

Re: What's your cash position

I also believe that one can have some ability to gauge relative performance among asset classes over the next decade, based on starting valuations and a tendency for mean reversion over such periods. So, as I see short term no-penalty CDs offering a return that in my view is a good 50% or more of w...
by MichaelRpdx
Sat Feb 24, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61896

Re: Netflix, Your Current Favorite Show

An easy binge, as there are only two episodes so far, My Next Guest (Needs no Introduction) with David Letterman.
An informal interview show with Dave and one guest. Barack Obama and George Clooney are the guests on the first two shows.

Looks like there will be one a month.
by MichaelRpdx
Fri Feb 23, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40797

Re: What frugal thing did you do today?

Some of the younger staff that I work with don't even value learning how to drive...they're perfectly content with just using a bike or uber, which blows my mind. The world is changing, and not necessarily for the better. Considering the high cost of car ownership and the huge health benefits of cy...
by MichaelRpdx
Thu Feb 22, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40797

Re: What frugal thing did you do today?

I went to my art store looking for big canvases for my next painting. The big on 48x60 is about $100 or more, so while deciding that, the store employee said to buy the 48x48 for $20 instead, they are on sale. That’s what I did, I figured since I never painted on a big canvas before, maybe I should...
by MichaelRpdx
Wed Feb 21, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1301

Re: Recessed 4 inch LEDs: Recommended brands

Why 2700K color? I've been switching to LEDs. While my wife doesn't know the details she is happy with the 6500K bulbs I'm using. Yes, I'm a fan of daylight color temps. I'm very picky about lighting color. If I had 6500k bulbs I'd be sitting around the house in sunglasses 8-) I do mean temp, not i...
by MichaelRpdx
Wed Feb 21, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1301

Re: Recessed 4 inch LEDs: Recommended brands

Why 2700K color? I've been switching to LEDs. While my wife doesn't know the details she is happy with the 6500K bulbs I'm using. Yes, I'm a fan of daylight color temps. I'm very picky about lighting color. If I had 6500k bulbs I'd be sitting around the house in sunglasses 8-) I do mean temp, not i...
by MichaelRpdx
Wed Feb 21, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1301

Re: Recessed 4 inch LEDs: Recommended brands

Why 2700K color?

I've been switching to LEDs. While my wife doesn't know the details she is happy with the 6500K bulbs I'm using.
Yes, I'm a fan of daylight color temps.
by MichaelRpdx
Wed Feb 21, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9846

Re: Do you wear a wedding band? [at a job interview]

I've only taken off my wedding band to have it resized after weight loss. I've interviewed three times since we married.

So, in answer to your question, yes I wear it during interviews.
by MichaelRpdx
Wed Feb 21, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 10148

Re: What's your cash position

Maxed a couple rewards checking accounts for cash. $20k earning 4.6% interest in one account, $10k earning 3% in another. Better than what I can do with bonds and I don't risk the bond fund dropping in value and selling it at a loss whenever I need the money. That's incredible! I was not aware that...
by MichaelRpdx
Tue Feb 20, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 10148

Re: What's your cash position

We have ~18 months projected spending in cash. This includes funds for large emergency purchases.

After retiring last fall I started sleeping through the night. It's a great feeling.
by MichaelRpdx
Mon Feb 19, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61896

Re: Netflix, Your Current Favorite Show

bertilak wrote:
Mon Feb 19, 2018 5:51 pm
I must say my favorite shows are on Amazon!

One thing I prefer about Netflix: If they have it, you can watch it. Amazon will often offer up something you need to pay extra for.

I hate that!
Name names please.

Yeah, Amazon Prime free stuff seems like a tease to get you to pay per view items.
by MichaelRpdx
Sun Feb 18, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 9938

Re: Can someone help me explain to my wife...?

Her opinion is that we should sell all of our index funds in our Roth IRA, take the profit now in the fund, because surely the bottom will fall out soon. My opinion is that I've always been told to simply contribute the max, do 70/30 for our age range, and then forget about it until age 65. She say...
by MichaelRpdx
Sat Feb 17, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40797

Re: What frugal thing did you do today?

On my weekly grocery shopping trip, I stopped by the cafe next store and bought a cup of regular coffee...went back to pick up my groceries and after I finished my shopping and coffee, I went back to the cafe and got my spouse a cup of decaf with my free refill. :D Sometimes frugal boarders on the ...
by MichaelRpdx
Thu Feb 15, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40797

Re: What frugal thing did you do today?

HongKonger wrote:
Wed Feb 14, 2018 11:04 pm
I hit my target of 180 meals in the freezer - all cooked from scratch using produce grown in my garden.
I also bartered some nuts and fruit from the garden that I had in the freezer in return for some cookies.
Wow! That is incredible.
by MichaelRpdx
Mon Feb 12, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7516

Re: I’m not renewing my Costco membership.

Should you ever need hearing aids renew your membership. Why? The testing is better than at the three private audiologists I had experience with Zero, absolutely zero, upsell pressure Pricing is extremely low Batteries are a fraction of the price you'll find elsewhere Get the units cleaned for free ...
by MichaelRpdx
Mon Feb 12, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2134
Views: 1310286

Re: The Three-Fund Portfolio

"VTSAX is 100% equities. What about a balanced portfolio like a Three Fund investor would have?" Michael: My comparison, was between the stock " Fund of the Decade " and the stock fund in The Three-Fund Portfolio which should please Three-Fund investors. Nothing more. Best wishes. Taylor Sure, I un...
by MichaelRpdx
Mon Feb 12, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2134
Views: 1310286

Re: Average is Better

Bogleheads: Does it pay to be " average " by using total market index funds? Here is the answer: In 2010 Bruce Berkowitz, manager of the Fairholme Fund (FAIRX) was named "Morningstar Fund Manager of the Decade. " Investors poured into the fund. On February 9, 2018, Morningstar compared the average ...
by MichaelRpdx
Sun Feb 11, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 111
Views: 8514

Re: How does one emotionally keep it together during market swings?

Has there ever been a time in your life when the stock market has not recovered from a downturn? I’ve been asking people this for 30 years and have only received one answer, “No”. Considering your profession that indicates you've asked thousands of people. Even correcting for survivorship bias this...
by MichaelRpdx
Sun Feb 11, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4841

Re: Can I afford to move to a lower paying career?

I'm stone cold sober, 60, and like many others in with the drunk 36yr old.

Why do you even need to ask this question? Have you not seen peers die from heart attacks, strokes, or other health related illnesses?

The real question is "can I tolerate Minnesota winters?"
by MichaelRpdx
Sun Feb 11, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1372028

Re: U.S. stocks in freefall

Hey, I've been vacationing for a week and not watching the news. Have I missed anything?
by MichaelRpdx
Sun Feb 11, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: What are the structure problems with whole life insurance?
Replies: 15
Views: 1430

Re: What are the structure problems with whole life insurance?

Food for thought. Early in my career I had to model returns from whole life products over the life of the investment. One huge drag on the investment value was the insurance broker being paid a first year commission equal to the first year premiums. Not in all cases, just most of them. The agent wou...
by MichaelRpdx
Sun Feb 11, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 111
Views: 8514

Re: How does one emotionally keep it together during market swings?

Experience helps. Get experience by watching your account values every.single.day for years.and.years. Also, read 5 books on Behavioral Finance and take them to heart. Getting the experience cited above will lead to boredom with market swings. It is also helpful to review when you need to convert y...
by MichaelRpdx
Sat Feb 10, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 6961

Re: Suggest coffee maker please

A filter cone option especially suited for adjusting strength to taste is the Clever Dripper . I've linked to one of several models. It has a spring loaded valve in the base. This allows you can steep the beans in your hot water to achieve the taste you'd like. You have no worries about a filter all...
by MichaelRpdx
Sun Feb 04, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40797

Re: What frugal thing did you do today?

I think that’s the standing joke. Lighten up a bit. Somebody's first post here is a standing joke? Interesting. Extra points to the first poster having read enough here to post a standing joke. On Topic Content: I combined a trip to Costco, the library, and the hardware store. My annual car mileage...
by MichaelRpdx
Sat Feb 03, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 166
Views: 18816

Re: Bitcoin in Freefall

telemark wrote:
Fri Feb 02, 2018 7:25 pm
We need a new set of signals for doing technical analysis on cryptocurrencies. Oh no, it's the infamous Adleman Omen! The Diffie-Hellman Curve is the perfect forward buy signal. And so on.
Make it the Diffie-Hellman Ecliptic Curve and I'm all in.
by MichaelRpdx
Fri Feb 02, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1372028

Re: U.S. stocks in freefall

WhiteMaxima wrote:
Fri Feb 02, 2018 4:40 pm
BH never time the market. I also want to add: most importantly, BH also is a value investor.
Really? I thought BH is a total market investor.
by MichaelRpdx
Thu Feb 01, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40797

Re: What frugal thing did you do today?

I never turn on the Heat or AC in my car regardless of how cold or hot it gets to save on gas. Sometimes I wont even turn on the radio as to conserve battery power and demand/stress on the car. Using the car's heater assists the cooling system. Internal combustion engines create a lot of waste heat...
by MichaelRpdx
Thu Feb 01, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bond mutual fund price vs. dividend
Replies: 6
Views: 462

Re: Bond mutual fund price vs. dividend

Thank you, I think I am still confused: Is the dividend = yield? Is the dividend rising with the yield? And, is the yield and dividend paid based on shares or price? New to bonds, was 100% stock until I retired last year. What jmbke said, but that wiki entry concentrates on individual bonds. Your q...
by MichaelRpdx
Wed Jan 31, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1372028

Re: U.S. stocks in freefall

I'm admittedly a total novice, but I don't understand the long-term perspective when it comes to stocks. My 401k is about 50 years out but I have doubts about its eventual usefulness. My city (and many major coastal cities, most of which are financial centers) are projected to be dealing with bad f...
by MichaelRpdx
Wed Jan 31, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Help understanding 'share class'
Replies: 4
Views: 353

Re: Help understanding 'share class'

There is no catch. The underlying funds are the same. Share classes are somewhat like Buying retail Buying in bulk Buying Wholesale With a retail purchase you pay more for each unit. When you buy in bulk the unit pricing drops. When you buy wholesale the unit cost drops further. This is true when yo...
by MichaelRpdx
Tue Jan 30, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1372028

Re: U.S. stocks in freefall

Great opportunity for those who got out last week to jump back in and buy on sale. Not to blow my own horn. But that's exactly what I did. It was not market timing genius. I'd been waiting for ex-employer to credit the 2017 401(k) match. They did that on Thursday the 25th. I entered an order to liq...
by MichaelRpdx
Tue Jan 30, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12975

Re: When did the bad news start in 2008?

willthrill81 wrote:
Tue Jan 30, 2018 3:34 pm
There's certainly nothing special about the 200 day (~10 month) moving average. It's just the most widely publicized and studied signal.
Huh? 200 days is just under seven months. 10 months would be just over 300 days
by MichaelRpdx
Mon Jan 29, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 557
Views: 61896

Re: Netflix, Your Current Favorite Show

La Casa de Papel - crime thriller set in Madrid.

I now caution against American Gods - wait for season two to be released so you don't get caught on the cliff.
by MichaelRpdx
Sun Jan 28, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Oil and Gas Limited Partnerships
Replies: 16
Views: 1095

Re: Oil and Gas Limited Partnerships

There are Master Limited Partnerships that trade like stocks on the exchanges. These are fairly liquid. They are bought by income investors as typically they pay pretty high dividends. These generate K-1 forms, which can create complications when preparing taxes. Sometimes these are late, necessita...
by MichaelRpdx
Sun Jan 28, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 4813

Re: Does anyone not rebalance?

You should download his PDF on Unveiling the Retirement Myth. He talks about how to rebalance 5 years before retirement and then how to retire within 5 years of retirement. [ emphasis added ]He provides some thoughtful insights but at least for the here and now I have chosen once a year. I expect a...
by MichaelRpdx
Sun Jan 28, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 4813

Re: Does anyone not rebalance?

I've rebalanced twice. Once when we got within five years of projected retirement, to go from 100/0 to 80/20. The second time was on retiring, went from 80/20 to 66/34. There has not been enough value drift to trigger a rebalance since retiring. Our IPS states any allocation between 60/40 and 70/30 ...
by MichaelRpdx
Sat Jan 27, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12975

Re: When did the bad news start in 2008?

I find it fascinating how many people here post they are hoping for a market decline so they can scoop up some bargains. I suppose they are assuming that the only variable will be the drop in stock prices without realizing that there are a lot of moving parts and not even a guarantee that the marke...
by MichaelRpdx
Sat Jan 27, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Unclear how to incorporate company pension into my asset allocation
Replies: 20
Views: 1450

Re: Unclear how to incorporate company pension into my asset allocation

Point 3: Since the cash accumulation funds not co-mingled with the 401k, it is advisable, as suggested in another response above, to keep some cash on hand at the ready within the 401k itself. This is to dollar-cost-average-in when stocks (or stocks and bonds) tank at some time in the future. Psych...
by MichaelRpdx
Sat Jan 27, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Unclear how to incorporate company pension into my asset allocation
Replies: 20
Views: 1450

Re: Unclear how to incorporate company pension into my asset allocation

The vesting period is 3 years to be 100% vested in the balance of the account, and to my understanding, the payment options are a lifetime annuity at retirement or lumpsum. Since I'm still decades away from retirement, I was working under the assumption that I'd walk away with the lumpsum if/when I...
by MichaelRpdx
Fri Jan 26, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12975

Re: When did the bad news start in 2008?

To answer the OP's question in the title of this thread, the bad news didn't start in 2008. I first reacted in August, 2007. [snip] I came home from work that day and told my wife that we had to get our home on the market ASAP. We got it listed within 3 weeks and sold within 2 months. According to ...
by MichaelRpdx
Fri Jan 26, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12975

Re: When did the bad news start in 2008?

Here's a thread from late 2008 that shows the flavor of discussions: Even Taylor and larryswedroe get to talking about "Plan B" -- bailing out. https://www.bogleheads.org/forum/viewtopic.php?t=30085 But the end result was that most of us stayed the course. Another big theme was that many Bogleheads...
by MichaelRpdx
Fri Jan 26, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12975

Re: When did the bad news start in 2008?

ResearchMed wrote:
Fri Jan 26, 2018 5:28 pm
Even recently... Let's count the ways...

I'll start: Brexit! SURELY that was going to be "it", right?
Uh.... no, I guess not...

RM
Someone in these forums liquidated in November 2016 because of his perception of the effect of the election.

oh, not that either
by MichaelRpdx
Fri Jan 26, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones...Why is Vanguard and Fidelity Always the Recommendation?
Replies: 48
Views: 6049

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

David Jay wrote:
Fri Jan 26, 2018 7:17 pm
I had an account with TDA. OK if you want ETFs (only).
And if you like getting a phone call every few months "just to see if you have any questions, need any help" with probes about interest in their fee based services.

Former Farsight, TDA, ScottTrade customer, now with Vanguard.
by MichaelRpdx
Tue Jan 23, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2134
Views: 1310286

Re: The Three-Fund Portfolio vs VBIAX

During the most recent Boglehead convention where JB took questions from the attendees (on video), he was asked by one person if having all his assets in the Balanced Index Fund (VBIAX) would in JB's opinion work for a person already retired. Mr. Bogle replied with a "yes". If you believe that you ...