Search found 562 matches

by TravelforFun
Sun Jun 25, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the best, most tax-efficient allocation strategy?
Replies: 4
Views: 444

Re: Is this the best, most tax-efficient allocation strategy?

Your Roth should contain 100% stock since all gains are tax-free and over time, stocks gain the most. Bonds should be in your 401K up to 10% of your asset since all gains are taxed at your marginal rate and your asset allocation is 90/10 Taxable should be invested so that your overall asset allocati...
by TravelforFun
Sat Jun 24, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 3960

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

Hard to make money off bogleheads who get a big bonus to transfer an account, buy and hold index funds, trade infrequently at $5 a trade, apply for a credit card to get 50-100k miles then cancel the card after a year. Guilty as charged!
by TravelforFun
Fri Jun 23, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 54
Views: 5230

Re: Costco vs. Amazon - Thoughts of Prime Members?

I bought Costco stock after a Costco store opened in my city a few years ago and the stock has been doing very well until recently. I also own Amazon stock and will hang on to both for a while. I really hope Amazon will find ways to make grocery delivery works.
by TravelforFun
Thu Jun 22, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 10
Views: 1174

Re: How to direct water away from a sloping driveway - French drain or ..

He said that the area where the water is piling up is higher than the bottom of my property where the catch drain is located. He tells me that they are fully booked at the moment but they could come and regrade it next year and solve the problem with a small trench down to the catch drain. Good sol...
by TravelforFun
Wed Jun 21, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement
Replies: 21
Views: 3274

Re: Early retirement

Thank you for the replies. While I also think that a 2% SWR is very conservative, your point is well taken klingklang. 2% is extremely conservative and that's okay if you want to leave a legacy and don't mind being deprived. I've run several scenarios and even with a 3% withdrawal rate, it would be...
by TravelforFun
Wed Jun 21, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement
Replies: 21
Views: 3274

Re: Early retirement

My overall asset allocation is 70/30 but my Roth account contains 100% stock and my other accounts have less than 70% stock.
by TravelforFun
Wed Jun 21, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: 500K Retirement Account Milestone
Replies: 26
Views: 4076

Re: 500K Retirement Account Milestone

Pretty soon you gonna need to use a log scale to chart your asset.
by TravelforFun
Sun Jun 18, 2017 2:10 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 79
Views: 4825

Re: Best Financial Advice from Dad (in honor of father's day)

You better beat 'em on smart and work ethics, because you can't beat 'em on look or bull sh-tting!
by TravelforFun
Sat Jun 17, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 10
Views: 1174

Re: How to direct water away from a sloping driveway - French drain or ..

Hard to know the best way since we don't know the topography of your lot, but: - It's illegal to re-grade your lot, change runoff pattern, and drain rainwater onto adjacent lots. - raising your garage would not eliminate the low points and hence, standing water on your driveway. - your city or town ...
by TravelforFun
Fri Jun 16, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid Planning
Replies: 32
Views: 1825

Re: Medicaid Planning

I guess it's O.K. if you want to go into a Medicaid nursing home so badly that you're willing to give away the money that otherwise would let you have some options as to facilities and accommodations. Where I live, you'd have to be very strange indeed to put yourself into a Medicaid nursing home vo...
by TravelforFun
Wed Jun 14, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 3766

Re: Long Term Care Insurance?

If we do, we can self-pay for LTC or similar levels of care (home care, assisted living) for up to two years or more. If the stay is longer than that, then sorry, but we've done our best, and we will then go on Medicaid, plus our SS and my eensie pension. Many good nursing homes will accept patient...
by TravelforFun
Wed Jun 14, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 3407

Re: Would you take a 25% pay cut for more professional satisfaction?

I took a 25% pay cut last year to work 3 days a week. Best job decision ever.
by TravelforFun
Wed Jun 14, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 46
Views: 3766

Re: Long Term Care Insurance?

My wife and I have LTCi with Unum and whenever they have a rate increase, they give you the choice of paying the higher premium to keep the coverage, or stop paying and receive the amount of care equal to the amount of premium we have paid. We're now in our 10th year with Unum.
by TravelforFun
Tue Jun 13, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Should equals take SS at FRA or Early to preserve portfolio?
Replies: 30
Views: 2556

Re: Should equals take SS at FRA or Early to preserve portfolio?

Assuming you qualify based on date of birth, one of you should take at FRA and the other file a restricted application for spousal, subsequently filing at 70. The odds are that one of you will survive and find the increased annuity payment of SS worth the wait. I always see this worded in this mann...
by TravelforFun
Sat Jun 10, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7278

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

Ford Ford has been beaten down but has its act together, makes stuff it knows how to make with a worldwide client base and is a stable company. It isn't high flying nor does it think it can do everything and anything. Not sure I want to buy Ford or GM stock, or car dealerships. I believe the future...
by TravelforFun
Sat Jun 10, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 7278

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

Ford Ford has been beaten down but has its act together, makes stuff it knows how to make with a worldwide client base and is a stable company. It isn't high flying nor does it think it can do everything and anything. Not sure I want to buy Ford or GM stock, or car dealerships. I believe the future...
by TravelforFun
Sat Jun 10, 2017 6:39 am
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6452

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

Amazon, Google, Tesla, Facebook, Apple, and Bitcoin all getting killed today ... and I own all of them. Certainly John Bogle wouldn't have us to think about one day only. I recall hearing him saying that perhaps a high dividend index fund might be something to consider. So I bought the Vanguard Hig...
by TravelforFun
Fri Jun 09, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1749

Re: Is it possible to only replace sections of a concrete driveway?

Make sure you saw cut out the bad section to create straight lines then dowel the new concrete to the existing ones.
by TravelforFun
Fri Jun 09, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6452

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

Amazon, Google, Tesla, Facebook, Apple, and Bitcoin all getting killed today ... and I own all of them.
by TravelforFun
Thu Jun 08, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1590

Re: New Construction Buying Advice

- During construction, come by the house everyday and video everything. Video pipes that will soon be hidden under the ground or slab, and wires and insulation behind walls.
by TravelforFun
Mon Jun 05, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to TD Ameritrade
Replies: 20
Views: 1078

Re: Schwab to TD Ameritrade

Thanks all.
by TravelforFun
Mon Jun 05, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to TD Ameritrade
Replies: 20
Views: 1078

Schwab to TD Ameritrade

I'm considering transferring one of my accounts from Schwab to TDA to take advantage of their $2,500 bonus and 300 free trades. Who have an account at TDA? How's your experience?
by TravelforFun
Mon Jun 05, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Purchase
Replies: 99
Views: 10002

Re: Bitcoin Purchase

OP here. It humors me to see the back and forth among bogleheads while GBTC continuing going through the roof. Theories don't bring the bacon home.
by TravelforFun
Wed May 31, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5801

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

My question: what strategies have you thought of or do you have in place to protect your assets from your loss of mental capacity? delrinson: At age 93, I recognize your concern is a real possibility; almost a certainty. I prepared by doing the following: * Made my portfolio as simple as possible. ...
by TravelforFun
Tue May 30, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 69
Views: 8572

Re: Go part time number

I went to part-time status (three days a week) several months ago and it's been great. My husband has also cut back on work. It sounds so easy to just "cut back on work". How many companies/professions allow this, or make it easy? Did you guys change jobs or just go to your boss, and say ...
by TravelforFun
Tue May 30, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Assoc seeking thoughts
Replies: 24
Views: 2238

Re: Condo Assoc seeking thoughts

Making current owners pay for repairs down the road (2037) doesn't seem fair to me. What if some of them don't plan on staying there that long? My HOA has a reserve of 1 year of operating expenses but we only maintain the common-area landscape and the neighborhood perimeter wall. I'd be interested t...
by TravelforFun
Sun May 28, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: i just changed all my passwords
Replies: 30
Views: 3361

Re: i just changed all my passwords

I stopped using Dashlane when they wanted me to pay.
by TravelforFun
Wed May 24, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity drops cash bonuses for deposits/transfers
Replies: 4
Views: 1194

Re: Fidelity drops cash bonuses for deposits/transfers

Head over to Etrade or TD Ameritrade. $2,500 plus hundreds of free trades.
by TravelforFun
Wed May 24, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 35
Views: 3564

Re: Transfer to Fidelity for Sign on Bonus?

I just did this. $2,500 sounds like a significant amount of money for transferring an account. Think about this though. You have to transfer $1 million to get the $2,500. $2,500 is 0.3% of $1,000,000. If you have $1 million invested and you are out of the market for days, you could easily experienc...
by TravelforFun
Wed May 24, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 1855

Re: Save mobile deposit checks?

I destroy them after my bank processed them and the money is in my account.
by TravelforFun
Mon May 22, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: % Roth vs. % traditional
Replies: 91
Views: 3615

Re: % Roth vs. % traditional

What is the optimal proportion of Roth and Traditional contributions to your retirement? I have a traditional 401k and a roth IRA. I have heard that it is good to have a mix of both because each should be withdrawn at a different phase of your retirement (although I don't know how that works). Has ...
by TravelforFun
Mon May 22, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 25
Views: 3248

Re: How to buy (or invest) into Bitcoin?

calimero wrote:I like to stay abreast and understand how to buy, sell, use BitCoins.
What some easy ways to do so?

In case I want to speculate are the meanwhile ETF's or so. I understand that this could be almost like gambling.

I invest in a bitcoin fund, GBTC.
by TravelforFun
Mon May 22, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: % Roth vs. % traditional
Replies: 91
Views: 3615

Re: % Roth vs. % traditional

What is the optimal proportion of Roth and Traditional contributions to your retirement? I have a traditional 401k and a roth IRA. I have heard that it is good to have a mix of both because each should be withdrawn at a different phase of your retirement (although I don't know how that works). Has ...
by TravelforFun
Mon May 22, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Options
Replies: 9
Views: 627

Re: HSA Investment Options

We do use HSA to pay for current medical needs, but so far it is not much. I guess we need to start treating it as retirement savings... If you don't need to touch it until a long time from now, I would invest 100% of it in a no-load index fund and let it ride since HSA grows tax free. Let your oth...
by TravelforFun
Fri May 19, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14972

Re: My dad is taking Social Security at 62, why would anyone not?

mptfan wrote:
TimeRunner wrote:They're not screwed, they're dead, and therefore it makes no difference to them. There are probably no regrets after death, but YMMV of course.

Exactly. I hope there are no regrets after death, that would be awful!

I should have stated their families would be screwed.
by TravelforFun
Fri May 19, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 14972

Re: My dad is taking Social Security at 62, why would anyone not?

Financial guru Bill Bernstein had an interesting answer to the Social Security now/then question: There are two possible goals with SS: 1) buy the optimal amount of longevity insurance for a given input, or 2) optimize your total amount of SS benefits. Both are valid goals, but let's assume you wan...
by TravelforFun
Fri May 19, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 3945

Re: Anyone else track the value of their investments by discounting the value of equities?

No. I put 10 years worth of living expenses in CDs and bonds and hence, I don't care how widely the market fluctuates.
by TravelforFun
Fri May 12, 2017 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help me reduce my capital gain from a condo I just sold...
Replies: 29
Views: 2377

Re: Help me reduce my capital gain from a condo I just sold...

It's after the bell has been rung; but I would have considered flipping the house to the sons at cost (a while back) and have them sell it (today) using their "sale of principal residence exclusion". My understanding is you don't have to own the house to start the 2 year residency require...
by TravelforFun
Fri May 12, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help me reduce my capital gain from a condo I just sold...
Replies: 29
Views: 2377

Re: Help me reduce my capital gain from a condo I just sold...

It's after the bell has been rung; but I would have considered flipping the house to the sons at cost (a while back) and have them sell it (today) using their "sale of principal residence exclusion". My understanding is you don't have to own the house to start the 2 year residency require...
by TravelforFun
Thu May 11, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7526

Re: How do Bogleheads buy cars?

Elsebet wrote:Second is a 2006 Honda Civic - has about 110k miles and my husband drives it. (11 years so far, paid off in 2009 - I fear this one will not last as long because my husband drives very, very aggressively and angrily)

Isn't this how all wives describe their husbands' driving style? :D
by TravelforFun
Mon May 08, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA investment
Replies: 7
Views: 876

Re: Roth IRA investment

Your horizon is long and you want to withdraw your Roth last so you should be very aggressive with your Roth. How about Vanguard Small-Cap Index Fund?
by TravelforFun
Mon May 08, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: How much risk do I need?
Replies: 21
Views: 1586

Re: How much risk do I need?

Your stock allocation should commensurate with your investing horizon and your risk tolerance. As a high-risk tolerant individual and a couple of years from full retirement, I put 10 years worth of my annual expenses in bonds and CDs; and the rest of my investment in stocks.
by TravelforFun
Sat May 06, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Motor Home
Replies: 33
Views: 3608

Re: Motor Home

Don't think we can ever be RV'ing because my dear wife would not want to cook nor clean while on vacation and nor would I.
by TravelforFun
Fri May 05, 2017 7:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18531

Re: Roll Call for the Retirement Class of 2017!

Was going to graduate this year at 65 but the boss and I agreed I should work part time. I love the three-day work week, four-day weekend every week. At this rate, I think I will keep going for many more years.
by TravelforFun
Fri May 05, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: 2-3 days around Nice, France. Advice?
Replies: 9
Views: 718

Re: 2-3 days around Nice, France. Advice?

This is how we did Nice and South of France but we had a rental car.
http://www.bocung.com/cote_dazur_2010.html
by TravelforFun
Fri May 05, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: HSA - should I invest with it?
Replies: 6
Views: 652

Re: HSA - should I invest with it?

'Whether to invest money in the HSA or leave it in cash?' Of course, you should invest the money you have in the HSA because this money grows tax free.

100% of my HSA and Roth IRA money is in stock, and I achieve my asset allocation by having bonds and CDs in my taxable and IRA accounts.
by TravelforFun
Wed May 03, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: First Milestone of many!
Replies: 11
Views: 1987

Re: First Milestone of many!

Congrats! Keep on investing. Your money should double every 7 or 8 years.
by TravelforFun
Wed May 03, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3083

Re: Visiting Paris for 8 days - what to do?

naples09 wrote:Take the trip to Monet's house. It's great to see it in person after seeing the paintings in Paris. Enjoy! Paris is a wonderful city.

Agree! Monet Garden is in Giverny, 1 hour from Paris. My wife and I have been there twice and enjoyed it a lot. You can take the train or drive there.
by TravelforFun
Wed May 03, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put gift money that child is receiving each year?
Replies: 16
Views: 1428

Re: Where to put gift money that child is receiving each year?

I opened an UTMA account for my grandson at Fidelity 2 years ago, and seeded it with a little bit of my money and all of his gift money. All is invested in Fidelity Middle Cap Fund andso far, the return is something like 12% annually.

Go to advanced search