Search found 181 matches

by MichaelRpdx
Tue Aug 22, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 39
Views: 2105

Re: Eclipse Traffic: predictions vs reality?

Getting to Madras before the eclipse was pretty much not a problem. A music festival east of Prineville had multi hour backups in the days leading up. It was possible to drive from Portland to Salem Oregon with minimal delays on eclipse morning. A friend made a last minute decision to drive to total...
by MichaelRpdx
Fri Aug 18, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 62
Views: 4048

Re: Non-fiction bucket list

Personal Favorites: Practical Ethics - Peter Singer Try refuting his arguments for lots of mental exercise A Pattern Language - Alexander et.al. musings on architecture in small bites 1491 - Charles C. Mann Life in the Americas pre-Columbus The Year 1000 - Robert Lacy and Danny Danziger life at the ...
by MichaelRpdx
Thu Aug 10, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3812
Views: 1000235

Re: U.S. stocks in freefall

The only way I know the market is dropping is when this bounces to the top.
Thanks for the news flash.
by MichaelRpdx
Mon Jul 31, 2017 1:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 26188

Re: Roll Call for the Retirement Class of 2017!

It seems people on here are giving considerable notice to their employer when they decide to retire, i.e., months. A guess a lot has to do with the amount of respect you have for your employer, co-workers and the amount of transition that is required. I'm curious how folks think about the timing of...
by MichaelRpdx
Thu Jul 27, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 26
Views: 2644

The Stupidest Thing You Can Do With Your Money

[Thread merged into here, see below. --admin LadyGeek]

Freakenomics podcast on active management.
There's a full transcript if you'd rather read than listen.
http://freakonomics.com/podcast/stupidest-money/
by MichaelRpdx
Thu Jul 27, 2017 1:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 26188

Re: Roll Call for the Retirement Class of 2017!

I had hoped to add my name to this illustrious class at the end of the year. However, the bozos in Washington are making the whole healthcare arena so uncertain and they seem to be so uncertain on what they're hoping to accomplish, that I can't pull the trigger. It's not the uncertainty of the cost...
by MichaelRpdx
Wed Jul 26, 2017 8:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 26188

Re: Roll Call for the Retirement Class of 2017!

I had hoped to add my name to this illustrious class at the end of the year. However, the bozos in Washington are making the whole healthcare arena so uncertain and they seem to be so uncertain on what they're hoping to accomplish, that I can't pull the trigger. It's not the uncertainty of the cost...
by MichaelRpdx
Wed Jul 26, 2017 6:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 26188

Re: Roll Call for the Retirement Class of 2017!

Miriam2 wrote:Hot humid muggy buggy steamy sticky July . . . but our gardens look beautiful 8-)

Here is the updated Roll Call for the Retirement Class of 2017!
__ Sep - MichaelRpdx <== Welcome to the class!
Thank you.
Make that the 15th. Unless my replacement is a quick study and I slip out earlier.
by MichaelRpdx
Wed Jul 26, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8030

Re: Investing Education and Mansplaining

It sounds like she has two reasons she shuts out hearing you? Lotta discussion about taking advice from a man, not so much advice about taking advice from older generations. Would she read something like Mr. Money Mustache? m My wife hates that name. Likes the advice, hates the name. For your daugh...
by MichaelRpdx
Sun Jul 23, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8030

Re: Investing Education and Mansplaining

montanagirl wrote:Videos are a drag. They take too much time to watch. Short written articles would be more convenient.

You are so old school. :)
by MichaelRpdx
Sun Jul 23, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8030

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 MichaelRpdx
Sat Jul 22, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 9135

Re: Affordable home exercise

Just about anything you do is better than nothing. I am also convinced that we need BOTH regular aerobic exercise (walking, jogging, treadmill, elliptical, rowing, etc.) AND strength/weight/resistance exercise - all appropriate to our age and relevant factors. Now in my early 70's, I aim for at lea...
by MichaelRpdx
Sun Jun 25, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 132
Views: 12512

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

RAchip wrote: They vast majority of campanies pay dividends because dividends create value for investors.

Dividends distribute value for to investors. They don't create it.
by MichaelRpdx
Sat Jun 24, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3717

Re: Worthwhile TV programming?

From your description you seems to be listening, not watching. If that's the case consider podcasts. TED Freakenomics The Moth Story Hour This American Life On the Media RadioLab American Routes <fill in the ones that address your special interests> I also enjoy listening to foreign language radio v...
by MichaelRpdx
Thu Jun 22, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 2047

Re: Oregon personal Trip

My wife and I considering a 7-day trip to Oregon later this summer. Our initial thoughts are to fly into Portland, stay a day or two to see the city, and then to stop at a few wineries on the way to the coast. We would also like to do a little hiking while we are there. What are your interests? Wha...
by MichaelRpdx
Thu Jun 22, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 2047

Re: Oregon personal Trip

CoinCounter wrote:You may want to take the August 21 eclipse into account. I know many people are traveling to Oregon the preceding weekend and you may run into higher prices/hard to find rooms.

if you can find rooms or open roads.
by MichaelRpdx
Mon Jun 19, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7640

Re: Poll: Do Bogleheads own Stocks?

whaleknives wrote:The same as "Yes [to stock ownership] by Age":
Yow, my literacy is slipping. :oops: Thank you.
by MichaelRpdx
Mon Jun 19, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7640

Re: Poll: Do Bogleheads own Stocks?

Could you list out the stock ownership stats for each age bracket please? I'm not sure what you mean. The "Yes by Age" section in Code shows the responses and % for individual stock owners by age group. Could you be more specific? Among an age bracket, what is the percentage of stock owne...
by MichaelRpdx
Mon Jun 19, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?
Replies: 132
Views: 12512

Re: Am I being unrealistic about my expectations of dividend income? Is there a better alternative?

Can anyone suggest either a Vanguard mutual fund or possibly an ETF that might fit what I'm looking for. Overall my tolerance for risk is maybe middle of the road. In terms of equities I tend to keep my investments domestic, usually larger companies, but I could go for an occasional mid or small ca...
by MichaelRpdx
Mon Jun 19, 2017 2:53 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7640

Re: Poll: Do Bogleheads own Stocks?

Could you list out the stock ownership stats for each age bracket please?
by MichaelRpdx
Mon Jun 19, 2017 2:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 208
Views: 26188

Re: Roll Call for the Retirement Class of 2017!

Had The Talk with my boss and I'm now on track to sever employment in September. The date could move earlier if my replacement trains up quickly. Like many of you we're concerned about health insurance costs. We decided to not plan our lives based on worst case scenarios. It would be possible to hav...
by MichaelRpdx
Fri May 19, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 10328

Re: Opticians: is there any difference in quality of Costco glasses?

:thumbsup
mrc wrote:
Pajamas wrote:The primary reason eyeglasses cost so much in the U.S. is because one company dominates the entire industry.

https://en.wikipedia.org/wiki/Luxottica


Yep. Posts like this are why I wish there were a like button. :-)


Me too :-)
by MichaelRpdx
Fri May 19, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2721

Re: Few days in Portland in July

In the food world PDX Eater has a large number of "Best of ..." map posts. Like this one
https://pdx.eater.com/maps/portlands-best-classic-restaurants
by MichaelRpdx
Fri May 19, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2721

Re: Few days in Portland in July

Have we persuaded you to extend your time in Portland yet?
by MichaelRpdx
Tue May 16, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2721

Re: Few days in Portland in July

If it's the weekend of the 28th the Oregon Brewers Festival will be in full swing. Pro Tip: arrive as soon as they open. Anything later and you'll spend your time waiting in line. The Japanese Garden is rated as the best outside of Japan - highly recommended. The Chinese Gardens are more easily acce...
by MichaelRpdx
Wed May 10, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 3181

Re: Expat Retirement Location with Health Care Eligibility

I am considering dabbling in language lessons as I prepare for retirement, and your perspective certainly encourages that path. As a first step in that direction I strongly encourage Duolingo. https://www.duolingo.com/ It is free, very easy to use, and very reasonable for putting a foundation in pl...
by MichaelRpdx
Sun May 07, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: United Mileage Plus CC - worth it?
Replies: 25
Views: 1968

Re: United Mileage Plus CC - worth it?

We use it for the priority boarding, elimination of the baggage fee, and occasional TSA-PreCheck flag.

Is that worth it to you?
by MichaelRpdx
Sun May 07, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 3181

Re: Expat Retirement Location with Health Care Eligibility

So, health care in retirement is looking like more of a wild card than planned for, which got me to thinking: Are there any tropical/warm locations where a US-expat can live, and still be covered for residency healthcare? I believe that some countries don't allow expats to have property ownership, ...
by MichaelRpdx
Sat May 06, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4371

Re: Best salads

What are your favorite salad ingredients, combinations, dressing ingredients, etc.? My goto lunch salad: Core: ⋅ two heads of romain ⋅ shredded carrot (a full one) ⋅ chopped red onion Add ons: ⋅  shredded cabbage ⋅  chopped apple ⋅  bell p...
by MichaelRpdx
Sat May 06, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Acceptable Success Rate to Retire using Firecalc
Replies: 41
Views: 3441

Re: Acceptable Success Rate to Retire using Firecalc

when start pushing the envelope a bit I get as a success rate just above 95%. Under the Investigate tab on the far right of the menu you can select this option to hit a targeted success rate: Given a success rate, determine spending level for a set portfolio, or portfolio for a set spending level S...
by MichaelRpdx
Sat May 06, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 51
Views: 4287

Re: Anyone still upgrading their PC build? (Not replacing the machine)

I add RAM and upgrade harddrives in my laptop. It's eight or ten years old now. Having said that, I'm expecting its replacement next week. As to desktops, I've always built mine from parts and upgraded as needed. The last couple of upgrades have been storage upgrades, replacing a pair of disks with ...
by MichaelRpdx
Fri May 05, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 19895

Re: Why save so much for when you're old?

First of all, congratulations on starting saving at your age. Note: you can touch your IRA and 401(k) at 59 1/2 without restrictions. Under some circumstances, you can access the funds much earlier. Two examples: ⋅ withdrawal of all contributions from a Roth IRA after it has been open for ...
by MichaelRpdx
Thu May 04, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Road trip to western states
Replies: 38
Views: 2339

Re: Road trip to western states

I've lived in Idaho, Oregon, California, and New Mexico. Personal favorites in the regions: White Sands in NM - stunning and beautiful, especially under the light of a moon. Redwoods of Northern California - omg what trees. Crater Lake Oregon - a pristine high mountain volcano crater lake with stunn...
by MichaelRpdx
Thu May 04, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Most "technologically savvy" bank?
Replies: 32
Views: 3377

Re: Most "technologically savvy" bank?

I have an old account in ING Direct in Europe and I have to agree that it is much more better. They have a ton of features on the website that you would normally have to do over the phone or in person here in the USA. Did you look at CapitolOne360? They acquired ING Direct's US operations. The web ...
by MichaelRpdx
Wed May 03, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Most "technologically savvy" bank?
Replies: 32
Views: 3377

Re: Most "technologically savvy" bank?

I have banking and credit cards with Chase. There website is OK but I have had good experiences about how quickly they notify me about potential fraud and how they deal with it. I travel internationally quite often and think they are really good at this. Wow, seriously? I can recall off the top of ...
by MichaelRpdx
Wed May 03, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Most "technologically savvy" bank?
Replies: 32
Views: 3377

Re: Most "technologically savvy" bank?

What banks do you think are the most "technologically savvy"? Are there other killer features out there I just don't know about? I think a big feature is two factor authentication, which not everyone does, and even some that do, don't do it very well. I believe you'll find banks leapfrogg...
by MichaelRpdx
Wed May 03, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 64
Views: 7334

Re: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg

I am, and I'm sure there's at least a few others. Even people who followed a simple "Three Fund" or "Second Graders" portfolio have also done well relative to the many other slice-n-dice portfolios people come up with and the 'stories' that go with it. http://i65.tinypic.com/2ak...
by MichaelRpdx
Wed May 03, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 64
Views: 7334

Re: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg

The only point I agreed with was the relative lack of diversification in the S&P 500. A three fund portfolio with total stock market, total international stock market, and the short/intermediate bond fund of your choice would be better. IMHO, the average investor could do far worse than just go...
by MichaelRpdx
Wed May 03, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: have you accepted a lower cost lifestyle to retire early?
Replies: 71
Views: 9705

Re: have you accepted a lower cost lifestyle to retire early?

I find it easy to live in a low cost of living place and then to travel inexpensively to places of natural beauty for extended periods of time. Places of natural beauty often do not have nearby decent health care nor Whole Foods and TJs since those are usually found in wealthy suburban areas that c...
by MichaelRpdx
Sat Apr 22, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 40026

Re: Larry Swedroe says "Goodby."

Mr. Swedroe,

Thanks for everything. Enjoy your time with family, it's richly deserved.
by MichaelRpdx
Thu Apr 13, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 17560

Late starters

We're at about 45%.
Significant savings didn't start until we were in our late 30s.
First home purchase at 38.
by MichaelRpdx
Thu Apr 06, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Hit my # for retirement, how do I protect it until ready to quit?
Replies: 15
Views: 2486

Re: Hit my # for retirement, how do I protect it until ready to quit?

Hello Everyone, I'm 38 years old and I have turned extremely risk adverse and no longer want to risk any retirement funds until I actually retire. [snip] My goal is to gain advice on how to preserve my capital (inflation adjusted?) and then when I see a ~20% dip in the market from its current high,...
by MichaelRpdx
Mon Apr 03, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: China Trip - Visa Expediter?
Replies: 26
Views: 1709

Re: China Trip - Visa Expediter?

My wife and I have used https://chinesevisaexpress.com/ and the service has always been great. My trips have included both business and tourism.
by MichaelRpdx
Mon Mar 13, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 13568

Re: GEICO auto rates vs. USAA: too good to be true?

. The auto quote came in about $120 less every 6 months ($20/mo.) than USAA. The Umbrella policy quote however, stopped me dead in my tracks: over $1,000/yr. more than USAA! I'm also amazed at the "over $1,000/yr", even though you don't mention the size of the policy. Unless you exhibit r...
by MichaelRpdx
Wed Mar 08, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 13568

Re: GEICO auto rates vs. USAA: too good to be true?

I switched to Geico several years ago and am a happy camper.
All of my claims have been handled well.

At last renewal I received an unexpected premium decrease.
Yay!
by MichaelRpdx
Mon Mar 06, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Withdrawal Sanity Check
Replies: 6
Views: 680

Re: Roth Withdrawal Sanity Check

Ah! The rub is our 401(k)'s Roth option has been available for less than five years. Thus the requirement that the account be in existence for more than five years has yet to be met. My mortgage rate is 3.64%. I can recoup the entire mortgage interest tax benefit by increasing my 401(k) contribution...
by MichaelRpdx
Mon Mar 06, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 799173

Re: What Book Are You Currently Reading? Part VI

The Shadow of the Wind by Carlos Ruiz Zafón. Set in Barcelona after the Spanish civil war the book follows a boy's search for an author whose books are being bought up and burned. The writing is some of the best I've read in years. The story itself is hypnotizing. Gabriel García Márquez meets Umber...
by MichaelRpdx
Mon Mar 06, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Withdrawal Sanity Check
Replies: 6
Views: 680

Roth Withdrawal Sanity Check

I just got off the phone with the 401(k) administrator. I called with withdraw the Roth balance of my 401(k) in order to pay down my remaining mortgage balance. The representative said the contributions are not taxed but the earnings are. I am over 59 1/2. Was the rep correct? If so my understanding...
by MichaelRpdx
Sun Feb 26, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 52
Views: 6445

Re: Do you recommend using credit karma's tax product?

I plan to. The decision was strongly influenced by being a happy Credit Karma customer for credit monitoring and a trial run through the start of the process. Dear Wife is going to do the returns as a learning experience this year. I've been doing the filing for both of us for decades and we're agre...
by MichaelRpdx
Sun Feb 26, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Weekend Entertainment: Read the Long Bet
Replies: 0
Views: 357

Weekend Entertainment: Read the Long Bet

Not just any long bet, the one from nine years ago between Warren Buffett and Protege Partners.
The comment stream is filled with statements on why one or the other side will prevail. You may find it entertaining and eductational.

http://longbets.org/362/#adjudication_terms