Search found 343 matches

by Offshore
Sun Sep 25, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: iPhone for teenager
Replies: 8
Views: 934

Re: iPhone for teenager

I just Googled Cricket. Interesting! So, you use this service and are happy with it?
by Offshore
Sun Sep 25, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Rental Cars
Replies: 22
Views: 1679

Re: Rental Cars

+1 for Costco. It is through Avis. In my experience, Hertz and Avis are tops in customer satisfaction, so getting a deal with Avis is great!
by Offshore
Sun Sep 25, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: iPhone for teenager
Replies: 8
Views: 934

iPhone for teenager

Our son is now a high school freshman and my wife tells me "it's time". AT&T is our carrier. I understand data overage may be an issue. Do Bogleheads have parental suggestions regarding AT&T plans, equipment, tracking features, parental controls/restrictions or monitoring methods? ...
by Offshore
Mon Sep 19, 2016 5:56 am
Forum: Investing - Theory, News & General
Topic: Online SWR calculator
Replies: 2
Views: 543

Online SWR calculator

I found a retirement calculator on retireearlyhomepage.com It allows the user to set his/her own SWR. "Readers interested in running their own "safe withdrawal" scenarios are invited to download a copy of the Retire Early Safe Withdrawal Calculator. It's a Microsoft Excel workbook (Ve...
by Offshore
Wed Sep 14, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 35
Views: 2604

Re: 2016 Murano or 2016 Acura MDX

FWIW, we own a 2016 MDX and couldn't be happier. It replaces a '03 MDX (that we still own) with 171,000. miles and not a single issue, other than high miles.

My wife has been sold on Honda products for 40 years. She has never regretted any Honda/Acura product she has owned.
by Offshore
Thu Sep 08, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and S&P
Replies: 2
Views: 357

Re: REITS and S&P

Interesting.
Thanks for the reply.
by Offshore
Thu Sep 08, 2016 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and S&P
Replies: 2
Views: 357

REITS and S&P

Question: Do REITS make up about 3% of the S&P?

If that is the number, to keep an AA exposure steady to REITS, would one simply add 3% to their REIT holding after the breakout?

Thanks-
by Offshore
Sun Jul 10, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: M* Portfolio Monitor
Replies: 0
Views: 166

M* Portfolio Monitor

To those who subscribe to M*, you receive a monthly Portfolio Monitor report. On page 2, there is projected balance that looks out 5, 10, 20 and 30 years, and gives a portfolio value with degrees of confidence of 25%, 50% and 75%. Question: do you know if the projected values are specific to the por...
by Offshore
Sun May 29, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 7645

Re: Do I want a house with a pool?

Never again! There is a constant worry about some new bill coming in. Either it is a worn gasket, a blown pump or something not on the radar. If it's not that, it is expensive chemicals, and we keep the pool in service year round. A swimming pool is not a reversible decision, so think hard before yo...
by Offshore
Fri May 20, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - how to keep it running smoothly?
Replies: 18
Views: 2236

Re: Macbook Air - how to keep it running smoothly?

Just yesterday, I visited my local Apple store, computer in hand. I thought I had a failing hard drive and had every intention of leaving the machine at the genius bar for repair (new hard drive). The genius bar technician ran tests and made changes that he said should correct the periodic freezes a...
by Offshore
Fri Apr 01, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Antelope Canyon/Cathedral Canyon
Replies: 13
Views: 1171

Re: Antelope Canyon/Cathedral Canyon

Hmm. I was thinking upper, but don't want to be rushed. What is slot canyon?
by Offshore
Fri Apr 01, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 20523

Re: Tesla Model 3 anyone?

Put my reservation in the moment the website allowed it. Of course, there are likely tens of thousands of people who reserved before I did, doing so at a dealership. Nevertheless, I am very excited. It you look for it, I began a string on the Tesla S in July, 2012. This is when I discovered Tesla an...
by Offshore
Fri Apr 01, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Antelope Canyon/Cathedral Canyon
Replies: 13
Views: 1171

Antelope Canyon/Cathedral Canyon

Both tours sound amazing! Anyone have a reccommendation?

The trip to Arizona is next week. I just learned about this today, so will make reservations with a tour company today!
by Offshore
Fri Apr 01, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Acct. for minor, UGMA vs. UTMA?
Replies: 11
Views: 647

Re: Acct. for minor, UGMA vs. UTMA?

Good stuff. Thank you for the replies.

Grt2bOutdoors, in four days you will celebrate 9 years of posting on this website. I have calculated that if you posted every single day over a 9 year period (3,285 days), you would need make 4.2 posts/day to accumulate 13,827. Good grief, how do you do it!!
by Offshore
Fri Apr 01, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Acct. for minor, UGMA vs. UTMA?
Replies: 11
Views: 647

Acct. for minor, UGMA vs. UTMA?

Our teenage son had a life cycle event. He received some cash gifts from family and friends, which are his (few thousand dollars). My wife and I opened an account at VG, choosing the Target Date 2060 for him. Maybe, if he is lucky, we will be able to gift him some money down the road, so we would li...
by Offshore
Sun Feb 21, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 10464

Re: Vacation Homes

For us, it was never an investment. We fell in love with the location, could afford the carry costs, bought a place about 15 years ago and will list it for sale this spring. When we found ourselves using it sporadically, it went on the rental market. Rental income helped, but still was a financial l...
by Offshore
Sat Jan 30, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 874

Re: Saturday VG phone support no more?

There isn't a lot to gain by pre-loading - a buy order is only a couple clicks. After a question or two with my VG rep., it's time for annual rebalancing which I have not yet done. This is will involve shuffling into and out of 7 funds, so, multiple clicks per fund adds up. Would be nice to get it ...
by Offshore
Sat Jan 30, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 874

Re: Saturday VG phone support no more?

Bummer.
Perhaps you know the answer to what I was going to ask...can one place "buy" orders in a suspended state, or, does VG's system need an investor to submit the order. The question is for mutual funds, not ETF's. Thanks.
by Offshore
Sat Jan 30, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 874

Saturday VG phone support no more?

I know I have called Vanguard on a Saturday.
Their website shows phone support as Monday-Friday only. Has there been a change or is my memory slipping?
by Offshore
Tue Jan 12, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 9861

Re: How common is this [Have more money 10+ years into retirement]

Observations from reading this thread: Folks with more $ into retirement tend to have pensions or some form of income. They retired at an opportunistic period for market returns. They have invested aggressively (% bond allocation something less than current age) All good and well. My sincere congrat...
by Offshore
Sun Jan 10, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 23805

The real Dr. Burry

If you are fascinated by the story, you should appreciate this.

http://news.vanderbilt.edu/2011/04/video-burry-cls/.
by Offshore
Tue Jan 05, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 23805

Re: The Big Short

I agree with everything jdb said (attended a matinee with my wife).
by Offshore
Thu Dec 31, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market or CD Ladder.
Replies: 8
Views: 1553

Total Bond Market or CD Ladder.

It is disappointing to watch the NAV of TBM fall. Lately, it seems like TBM hits a new 52 week low every week. With a 50:50 AA and only 4.5 years remaining before retirement, it is a bit concerning too. I've been thinking of building a CD ladder. 3, 6, 9 and 12 month CD's using a large chunk of the ...
by Offshore
Fri Nov 27, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1412

Re: HSA Administrators

packet, I read through the string you linked. Wow! I give you credit for keeping your head while trying to track down your hard earned money. I am also glad to hear you receive prompt telephone customer service. Honestly, I have such trust in Vanguard that their endorsement alone carries a lot of we...
by Offshore
Thu Nov 26, 2015 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1412

Re: HSA Administrators

tbradnc,

Thank you for the reply. I am so glad to read your favorable review!
by Offshore
Wed Nov 25, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1412

HSA Administrators

This is the recommended HSA vendor on Vanguard's website. Our company is considering a move to them. I am seeking feedback on HSA Administrators from BOTH the perspective of the individual account holder, and the employer side. How is their customer service? Is it easy to reach a representative? Do ...
by Offshore
Sun Aug 02, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 14
Views: 1457

Re: Inside Passage Cruise

Really helpful information. Thank you to all who have responded.

Offshore
by Offshore
Sun Aug 02, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 14
Views: 1457

Re: Inside Passage Cruise

Kanoehe,

Thanks, helpful.
by Offshore
Sun Aug 02, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Inside Passage Cruise
Replies: 14
Views: 1457

Inside Passage Cruise

My family leaves Thursday for an Alaskan cruise. Ship sails from Seward to Vancouver. My wife is unsure of how to pack. The current weather is high 50's-low 60's, misty rain. Aside from a rain jacket, sweatshirts and heavy shoes, should we have a knit cap and light weight gloves? Anything else? Most...
by Offshore
Sat Mar 07, 2015 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA question
Replies: 2
Views: 368

Re: Back Door Roth IRA question

My subject line is misleading. It should read "Spousal Contributions to a TIRA." From what I am finding elsewhere (investopedia.com) here are the rules on spousal contributions: Generally, individuals who are unemployed are not allowed to contribute to retirement accounts such as IRAs beca...
by Offshore
Sat Mar 07, 2015 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA question
Replies: 2
Views: 368

Back Door Roth IRA question

Bogleheads wiki has a page "Backdoor Roth IRA". There is link to a review authored by thefinancebuff (tfb). He states: "As long as you have earned income, even if your income is “too high,” you can still make a non-deductible contribution to a traditional IRA". What?? I have been...
by Offshore
Sun Mar 01, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard 529 plans
Replies: 4
Views: 914

Vanguard 529 plans

VG offers 3 options in their age based 529 savings plan, "conservative, moderate and aggressive". We have been using the aggressive option, and due to mostly luck, have been rewarded since most deposits have been post-2009. At this time the aggressive option, in my son's age group, is 50:5...
by Offshore
Sat Feb 28, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 3678

iPhone upgrade

Our old iPhone 4's are failing. My wife and I are looking at either 5s or 6. AT&T is our current carrier, and we have no contract to honor. The AT&T rep told me a new 5s would cost $550. per phone!! If we paid this price, our plan is unchanged in every way. A second option is to purchase an ...
by Offshore
Wed Feb 25, 2015 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Individual TIPS
Replies: 13
Views: 1195

Re: Individual TIPS

Nisiprius, You make an excellent point about complexity. Funny thing about (my) indexed portfolio, is that I managed to make it more complicated than need be (by slicing and dicing). Unrealized gains are golden handcuffs in the taxable funds. I am not complaining, just making a confession through ex...
by Offshore
Wed Feb 25, 2015 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Individual TIPS
Replies: 13
Views: 1195

Re: Individual TIPS

furwut,
Hadn't considered I bonds. Aren't we limited in the amount that may be purchased? Hey, thanks for the references to thefinancebuff's material.
by Offshore
Wed Feb 25, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Individual TIPS
Replies: 13
Views: 1195

Individual TIPS

I have become more interested in purchasing individual TIPS bonds (have been using a fund). My motivation is my 50:50 AA. On the bonds side, I'm mostly TBM, but do toss in some TIPS. I'd like not to worry about interest rate changes, thus my motivation of holding individual TIPS to maturity. Probabl...
by Offshore
Sat Feb 21, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 791
Views: 127504

Re: Tesla S

This week, I had the opportunity to test drive a P85D. Tesla's dual motor vehicle is so far ahead of anything out there, there are no apples to apples comparisons available. Who else updates their product via internet download (rhetorical)? The car I test drove has a downloadable firmware update tha...
by Offshore
Wed Jan 21, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 10813

W. Bernstein, WSJ 1/20/2015

[Thread merged into here, see below. --admin LadyGeek] If Dr. Bernstein catches this post, wish to say "I loved your piece in Thursday's Journal." As I read it, the prose took on a familiar tone; funny, smart, informative and captivating. I could not put it down. About half way through, I...
by Offshore
Thu Jan 15, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 454452

Re: What Book Are You Currently Reading? Part VI

The Goldfinch. Only 38% in (kindle). Good story. Incredible prose.
by Offshore
Wed Jan 14, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 9311

Re: Poll - How much is enough / what's your number?

Whatever I have the day I decide I really don't want to work any more or my employer decides I need to go. Although I voted a number on the survey, I mostly agree with Rodc's statement. I really don't have a "magic" number- when the time comes, I'll figure out what my budget has to be, an...
by Offshore
Tue Jan 06, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question
Replies: 2
Views: 444

Re: Wash sale question

Yes, I thought these two could be good pals on the TLH teeter-totter. Thanks.
by Offshore
Tue Jan 06, 2015 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question
Replies: 2
Views: 444

Wash sale question

Any problem TLH'ing out of FTSE into Total Int'l.?
by Offshore
Mon Dec 08, 2014 8:32 pm
Forum: Personal Consumer Issues
Topic: Suspicious House Odor
Replies: 22
Views: 3694

Re: Suspicious House Odor

We had something similar, but it occurred while a bathroom renovation was underway. Turned out it was mold growing under poorly laid tile/drain area. The whole thing needed to come up and be redone. We didn't know it was a mold odor but after the tile was ripped out we saw the mold. The area was cle...
by Offshore
Sat Dec 06, 2014 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgages
Replies: 7
Views: 786

Re: Reverse Mortgages

Thank you. Quite helpful.
by Offshore
Sat Dec 06, 2014 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Reverse Mortgages
Replies: 7
Views: 786

Reverse Mortgages

Today's WSJ raised a question I need help with. When a house on a reverse mortgage program is sold, after the last mortgage holder dies, and the estate does not want to keep the house, what happens if the amount the house is ultimately sold for does not cover the reverse mortgage loan? Is the estate...
by Offshore
Sat Dec 06, 2014 8:27 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 9653

Re: Why So Many Used Prius for Sale?

A bit off topic, but not by much. In 2008 I bought a new Prius, touring edition. It is pimped out with all the options and I paid about $25k. Literally, over 6.5 years the only expense has been gas, oil and one set of tires. The cost of ownership has been negligible. I am a physician, and take some ...
by Offshore
Fri Dec 05, 2014 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Legal Protections Question (Rental Property)
Replies: 29
Views: 2638

Re: Legal Protections Question (Rental Property)

We have a rental property and consulted our family atty. on this very matter. It was not expensive to form an LLC and did so. What is the downside of putting your property in an LLC? As far as I can determine, it is a cost issue, solely. We feel better protected, but who knows. Do you know of other ...
by Offshore
Fri Dec 05, 2014 7:57 am
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 13513

Re: Most Hated Brokerage Firm? [or one that you love]

SMITH BARNEY! Both my wife and I received checks last week. Seems long ago (decades), the above crooks overcharged on advisory fees and the NY state atty. general has successfully sued them to pay back the unfortunate suckers (me and my wife included). The checks were a double problem because they w...
by Offshore
Fri Nov 07, 2014 11:32 am
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 8682

Re: Merc or BMW?

randomguy: what is CCA? Obviously, I'm not a member of this, but curious as to what it is. As sexy as these german cars are, I have had consistant reliability with Japanese cars. The Acura RL (now RLX) is panned by Consumer Reports. Too bad. They go so far to say as "not recommended". Do p...

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