Search found 211 matches

by MichaelRpdx
Wed Oct 18, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 76
Views: 4097

Re: Anyone planning on getting the new Pixel phone?

I've pre-ordered and am trading in my Nexus 6P as part of it. The 2XL is very close in size to the 6P so I know it will be comfortable. The waterproofing (submersion to one meter) and camera quality were the big draws for me. There are reviews coming through from tech sites. You may want to read a f...
by MichaelRpdx
Sun Oct 15, 2017 11:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 31026

Re: Roll Call for the Retirement Class of 2017!

rennale wrote:
Sun Oct 15, 2017 11:26 am
Hmm - when does the average retiree rise, I wonder?
In the morning or from the afternoon siesta? 8-)
by MichaelRpdx
Fri Oct 06, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Return Assumptions over Next 15 years
Replies: 13
Views: 1117

Re: Return Assumptions over Next 15 years

Each year I check the update to Vanguard's Economic and Market Outlook. Close to the bottom, they show the ranges and probabilities of returns for a variety of asset allocations. There are real and nominal projections. The document projects out ten years.
by MichaelRpdx
Thu Oct 05, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3902

Re: How do you value your time?

TheTimeLord wrote:
Thu Oct 05, 2017 12:05 pm
deikel wrote:
Thu Oct 05, 2017 11:46 am
Convenience is for lazy people - sorry to say, but that's what you are buying, a tool to feed lazyness
If convenience is for lazy people then retirement is for really lazy people.
You lookin at me? 8-)
by MichaelRpdx
Thu Oct 05, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3902

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. What's the weathe...
by MichaelRpdx
Tue Oct 03, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Photography gear and what you use it for?
Replies: 26
Views: 1604

Re: Photography gear and what you use it for?

Food for thought on this entire gear thread: I Got Tired of People Giving My Camera Credit, So I Bought a $200 DSLR Kit https://petapixel.com/2017/10/03/got-tired-people-giving-camera-credit-bought-200-dslr-kit/ And the very entertaining Pro Photographer Cheap Camera series from DigitalRev https://w...
by MichaelRpdx
Mon Oct 02, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Photography gear and what you use it for?
Replies: 26
Views: 1604

Re: Photography gear and what you use it for?

I'm more amature than many people here so some of the questions don't really apply to me. 1 First Real Camera of distinction. Pentax K1000 :D Probably the most basic tank of a film camera ever made. For a long time it had a bit of cult following and a good used one will still sell for a modest pric...
by MichaelRpdx
Mon Oct 02, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Photography gear and what you use it for?
Replies: 26
Views: 1604

Re: Photography gear and what you use it for?

I've been amazed at the wide array of photography gear and uses in the Boglehead forum. Also how popular photography is as a hobby and how much experience and information is shared here. 1 First Real Camera of distinction. Olympus OM-1 - still have it 2 Camera gear now? Two OM-1s, antique 6x9 folde...
by MichaelRpdx
Mon Oct 02, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: General Financial Planning Philosophy
Replies: 11
Views: 1258

Re: General Financial Planning Philosophy

As a 40 year survivor of Hodgkin's Lymphoma, I understand your dilemma. Getting out from under the sword of Damocles is a tough survivor mental health problem. DW is also a working professional. This implies the 250K life policy does not need to replace your earning ability. It does need to lessen t...
by MichaelRpdx
Sun Sep 24, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Transition to new health insurance company - cautions?
Replies: 10
Views: 743

Re: Transition to new health insurance company - cautions?

Be aware of and follow the details of COBRA vs. individual under ACA. Also be aware that under COBRA you may have to switch insurance completely if the employer changes its plan. Is Medicare eligibility in the upcoming period as well? No Medicare for five years. My plan is to leave COBRA for ACA as...
by MichaelRpdx
Sun Sep 24, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Transition to new health insurance company - cautions?
Replies: 10
Views: 743

Transition to new health insurance company - cautions?

[Edited to correct dates. opioid based pain meds make you REAL stupid] I retired on September 15 and using COBRA coverage through the end of the year. I broke my leg on September 17. What should I be aware of, make sure I do when transitioning to whatever health insurance company I'll be using under...
by MichaelRpdx
Sat Sep 16, 2017 7:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 31026

Re: Roll Call for the Retirement Class of 2017!

Today is the first full day of retirement.
Glad to join all of you.
by MichaelRpdx
Wed Aug 30, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund - buying the interest?
Replies: 7
Views: 819

Re: Bond Fund - buying the interest?

Is there a "buying the dividend" aspect when buying a bond fund? I think you mean, When I buy a bond fund with current dividend of $x per share will I perpetually get the $x? assuming you don't reinvest dividends. Similar to if you purchased an individual bond you'd have the reasonable expectation ...
by MichaelRpdx
Wed Aug 30, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7368

Re: How much sooner could you retire with NO property taxes?

A co-worker retired very early and moved to Antigua, Guatemala. For years I didn't understand why he made such a big about about his annual $26USD property tax bill. In Portland I'm paying $3,400 a year currently for a 1000 sqft house on a double lot. This is increasing at a straight line rate of 3%...
by MichaelRpdx
Tue Aug 29, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Negotiating for a domain name
Replies: 2
Views: 513

Re: Negotiating for a domain name

I sold a domain eight years ago. Unfortunately the details are lost to memory.

However - make sure you have the transaction move through a domain escrow service.
by MichaelRpdx
Mon Aug 28, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 22131

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

I'm wondering how others resist lifestyle creep when everyone around them is spending. I'm a junior associate at a large law firm and my DW is a teacher at a (ritzy) private school. We're both pretty naturally frugal and are driven to be even more so at the moment as we push to pay off my law schoo...
by MichaelRpdx
Mon Aug 28, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Check serial number caused an issue
Replies: 26
Views: 2308

Re: Check serial number caused an issue

I was buying a rental car from Hertz last week (will share the whole experience in another post soon), paying with cash using Schwab check book. The check book starts with the serial 001. Since I hadn't used any of the checks by that time, so literally the check I was pulled to Hertz had the serial...
by MichaelRpdx
Mon Aug 28, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roll over my 401(k) to my spouse's IRA?
Replies: 11
Views: 657

Re: Roll over my 401(k) to my spouse's IRA?

Here's the IRS on the matter: Rollover From Employer's Plan Into an IRA You can roll over into a traditional IRA all or part of an eligible rollover distribution you receive from your ( or your deceased spouse's ): Employer's qualified pension, profit-sharing, or stock bonus plan; Annuity plan; Tax...
by MichaelRpdx
Sun Aug 27, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Roll over my 401(k) to my spouse's IRA?
Replies: 11
Views: 657

Re: Roll over my 401(k) to my spouse's IRA?

Why not just have the distributions of <however much you/she wish> to be placed automatically in a checking account that is "hers" (or a joint one that is "used" by her, or however you want to arrange this). [snip] But if it makes her feel better, more independent somehow, then keep the money in se...
by MichaelRpdx
Sun Aug 27, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Roll over my 401(k) to my spouse's IRA?
Replies: 11
Views: 657

Re: Roll over my 401(k) to my spouse's IRA?

To reply to the first two respondents. I suspect that you cannot combine IRA's, just as there cannot be a joint IRA. ... But why do you need to do this? I'm not trying to create a joint IRA. We will both have our own IRAs after the transaction. What is the point to having the IRA balances more equal...
by MichaelRpdx
Sun Aug 27, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Roll over my 401(k) to my spouse's IRA?
Replies: 11
Views: 657

Roll over my 401(k) to my spouse's IRA?

I've been reviewing 401(k) rollover rules and procedures. No where do I see a requirement that the receiving account have ownership matching the sending account.

My Dear Spouse and I have a 20/80 ratio of IRA balances. As I leave employment it would be nice to get that a bit more balanced.
by MichaelRpdx
Sat Aug 26, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 4360

Re: Is Geico a bait and switcher?

There is no miracle, they need to make money from somewhere. Geico will attract you with terrific rates IF you've been lucky enough to be a driver with a spotless record so far. Then when you hit bad luck and get involved in an accident, they will slam you hard, much harder than other insurers. Tha...
by MichaelRpdx
Sat Aug 26, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 4360

Re: Is Geico a bait and switcher?

Short answer to your question: No, Geico is not a bait and switcher. I've been with Geico for several years. My history: 2008 Start Geico coverage 2009 no increase after a 50% at fault collision and repair 2013 a moderate premium bump after a collision (parking lot scrape) that was my fault 2014 no ...
by MichaelRpdx
Fri Aug 25, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Argentina/Chile Total Solar Eclipse - July 2019
Replies: 21
Views: 2439

Re: Argentina/Chile Total Solar Eclipse - July 2019

Chile would be Argentina for this one due to the time of day - close to sunset.

What about the 2020 December total eclipse in the same area? Mid-summer instead of mid winter, mid day eclipse for more spectacular viewing. You do have to deal with Christmas time airfares though.
by MichaelRpdx
Thu Aug 24, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5515

Re: Oregon road trip help

Thanks for all the suggestions. Here is what I know. 1-We are going to drive 60 miles to Hood River and back to Portland for one day. 2-We are going to drive the coast from Florence to Seaside and will be going through Salem and Eugene.Since we will be probably doing this on the weekend not sure if...
by MichaelRpdx
Thu Aug 24, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5802

Re: I did it and feel great about it (paid off mortgage)

It is a great feeling isn't it?
We paid ours off on May 1. Each month it feels better.
by MichaelRpdx
Thu Aug 24, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14005

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

What new research are you working on? Who's retirement research are you excited about? I have just completed detailed research into recognizing and repairing a withdrawal plan that is failing. Hope to publish next year. I definitely want to test some recent conclusions by others that increasing equ...
by MichaelRpdx
Thu Aug 24, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14005

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

bradshaw1965 wrote:
Wed Aug 23, 2017 12:21 pm
It drives me crazy that Bill is in the thread answering questions and people are still talking past each other defending their positions and talking over his perfectly reasonable responses.
I just did a search on billbengen to skip to his answers. Sanity preserving.
by MichaelRpdx
Thu Aug 24, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14005

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

Overall, I believe a 50% equities/50% bonds mixture at the start of retirement is close to ideal. Years ago, I talked to Harry Markowitz, the founder of Modern Portfolio Theory, about this. He used that 50/50 ratio in his personal portfolio, which speaks volumes! Some recent research advocates incr...
by MichaelRpdx
Tue Aug 22, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4849

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: 110
Views: 9559

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: 3976
Views: 1059468

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: 230
Views: 31026

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: 28
Views: 3447

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: 230
Views: 31026

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: 230
Views: 31026

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: 230
Views: 31026

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: 8718

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? http://forum.mrmoneymustache.com/ My wife hates that name. Likes the advice...
by MichaelRpdx
Sun Jul 23, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8718

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: 8718

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. So, I've come to r...
by MichaelRpdx
Sat Jul 22, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 100
Views: 9478

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: 13387

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: 4057

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: 2207

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: 2207

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: 8220

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: 8220

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 owners? Or jus...
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: 13387

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: 8220

Re: Poll: Do Bogleheads own Stocks?

Could you list out the stock ownership stats for each age bracket please?