Search found 4753 matches

by bertilak
Sat Aug 27, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Route suggestions around New York
Replies: 15
Views: 699

Re: Route suggestions around New York

Mystic Seaport (CT) is a great place to stop, but you should spend at least a 1/2 day there at a minimum. There's also a tour of the USS Nautulis (first atomic submarine) in Groton CT. Lots of sites on the Connecticut shoreline. I have been to both of those places. Well worth the time! I also went ...
by bertilak
Sat Aug 27, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else make this mistake? [include home as retirement income]
Replies: 34
Views: 2952

Re: Anyone else make this mistake? [include home as retirement income]

I ignore the equity in my house but instead take my mortgage payments into account as part of my cash flow analysis. Since my investment strategy is based on satisfying cash flow needs that is an important point. When I paid off my mortgage (by selling off a big chunk of my portfolio) I re-considere...
by bertilak
Sat Aug 27, 2016 9:04 am
Forum: Investing - Theory, News & General
Topic: When in doubt, convert to a Roth
Replies: 17
Views: 1351

Re: When in doubt, convert to a Roth

If you are right on the borderline of of a tax bracket change it [early Roth conversion] might make sense too. I was under the impression that (usually*) it didn't matter much if you slipped into the next tax bracket a little. The effect is just a (very) few extra dollars in taxes -- on the amount ...
by bertilak
Fri Aug 26, 2016 6:28 pm
Forum: Investing - Theory, News & General
Topic: Do passive investors need active investors to survive?
Replies: 14
Views: 2094

Re:

It is a bit like the food chain or the predators in nature. The more food, the more predators will thrive and multiply. As their greater number diminish their food supply, they die off....until the balance is restored. Interesting (and fun) analogy! I have always compared the market to a thermostat...
by bertilak
Fri Aug 26, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Seeking advice on what to do about recent property survey/neighbor's driveway
Replies: 34
Views: 2978

Re: Seeking advice on what to do about recent property survey/neighbor's driveway

I was involved with a corporate landowner (owns close to 1/2 million acres in 6 states). Fairly straight-forward boundary overlap with both source deeds originating from the same ancient (early 1800's) survey. Dispute involved a ~236 acres "wedge" of a 20,000 acre tract and a 7,000 acre t...
by bertilak
Fri Aug 26, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: glide path vs. fixed asset allocation [POLL]
Replies: 43
Views: 3323

Re: glide path vs. fixed asset allocation [POLL]

I currently use a fixed allocation, but I'm well away from retirement. The plan as it stands now is to allocate more to inflation-adjusted lifetime annuities as I age, though not necessarily bonds. (Important factor: No kids, no bequest motive.) I also use a fixed allocation but that's because I am...
by bertilak
Fri Aug 26, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate agents who operate on an hourly rate
Replies: 54
Views: 3782

Re: Real Estate agents who operate on an hourly rate

Just out of curiosity, have you considered an auction? If the market is as hot as you believe, you should have multiple bidders, find the right match, hire a real-estate attorney, etc. I'm thinking out of the box on this one and have never been involved with an auction of a house before. I sold a h...
by bertilak
Fri Aug 26, 2016 8:05 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1786
Views: 426712

Re: What Book Are You Currently Reading? Part VI

I Just finished Ripley Underground , a followup to The Talented Mr Ripley I finished a few days ago. In book-time this picks up three years after Talented, which would be 1958 but it is supposed to take place in 1971 or thereabouts -- they listen to a Beatles record. By now Tom is involved in art fo...
by bertilak
Thu Aug 25, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate agents who operate on an hourly rate
Replies: 54
Views: 3782

Re: Real Estate agents who operate on an hourly rate

I think the biggest way to close the gap on commissions is by negotiating them beforehand - I think this is where most people (like my wife) fail because they're just bad it at. Last time I sold a house I went to a website called Hungry Agents. You put in the basic info of the house you want to sel...
by bertilak
Thu Aug 25, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate agents who operate on an hourly rate
Replies: 54
Views: 3782

Re: Real Estate agents who operate on an hourly rate

unclescrooge wrote:Ideally, in today's technology centric environment, an agent would be flat hourly fee based, with the payment being made regardless of whether the house sold or bought.

Ideally, both the consumer and the agent would have a choice.
by bertilak
Thu Aug 25, 2016 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Am I DCA-ing too much?
Replies: 10
Views: 911

Re: Am I DCA-ing too much?

I find this question confusing.

Where is this lump sum that you may or may not invest all at once or instead spread out over time? How big is it?
by bertilak
Thu Aug 25, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate agents who operate on an hourly rate
Replies: 54
Views: 3782

Re: Real Estate agents who operate on an hourly rate

Hourly rates for real estate agents may be a tough business model. Who pays for the hours they spend hunting down listings? I think that is one of the biggest parts of their job.
by bertilak
Tue Aug 23, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 29
Views: 2336

Re: Rented a car on business, received a parking ticket 11 months later?

Like one of the posters above I got a parking ticket in the mail with my plate number but the color and make of the car didn't match. I called the court. The lady I talked to said to ignore it. I never heard back. I believe she looked up the plate number and saw that the registered make did not matc...
by bertilak
Tue Aug 23, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: The power of investing early VS. Dollar cost averaging
Replies: 29
Views: 2366

Re: The power of investing early VS. Dollar cost averaging

(And with many employers, you don't want to max out the 401(k) early, because you'll lose the employer match once you hit the limit.) My employer, before I retired, had several options on how to contribute automatically to the 401(k). One option was to space out contributions to maximize company ma...
by bertilak
Mon Aug 22, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Timing for RMD withdrawals?
Replies: 33
Views: 2692

Re: Timing for RMD withdrawals?

Theoretically you should wait until the last minute (late December, not next April) so the money stays invested as long as possible. I was also counter-arguing this statement as the money can stay invested the same length of time and in the same asset, even though part of the asset was moved elsewh...
by bertilak
Mon Aug 22, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1786
Views: 426712

Re: What Book Are You Currently Reading? Part VI

Just finished The Talented Mr. Ripley by Patricia Highsmith. Tom Ripley is a small-time (but talented!) con man in New York who stumbles upon an opportunity for an expenses-paid trip to Italy to convince a wandering son to return to his rich parents in New York. I'll not give anything away by saying...
by bertilak
Sun Aug 21, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 2500

Re: How much do you spend on coffee/tea?

You may want to check out this place for tea. http://www.uptontea.com/store/home.asp?referral=https%3A%2F%2Fwww%2Egoogle%2Ecom%2F They import 200 varieties of teas. The price is very reasonable. In most cases, it is cheaper than tea bags. KlangFool I recently heard about Upton here on Bogleheads (p...
by bertilak
Sun Aug 21, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 113
Views: 6099

Re: What is your system for dealing with coins?

sport wrote:I do not understand why people think coins are a problem.

I already have enough junk to carry around in my pockets. Coins have a very low usefulness-to-clutter ratio!
by bertilak
Sun Aug 21, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 67
Views: 5950

Re: A quick poll--pension annuity vs. lump sum

I chose the annuity.

  • I like the guaranteed aspect. It reduces worry considerably.
  • The lump sum offered could not buy an equivalent annuity on the open market so I felt the pension option was a "good deal."
by bertilak
Sat Aug 20, 2016 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Timing for RMD withdrawals?
Replies: 33
Views: 2692

Re: Timing for RMD withdrawals?

celia and spirit rider,

Thanks! I did not know that. I was sure I had heard it the way I said!
by bertilak
Sat Aug 20, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Timing for RMD withdrawals?
Replies: 33
Views: 2692

Re: Timing for RMD withdrawals?

[removed inaccurate info!]
by bertilak
Sat Aug 20, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Timing for RMD withdrawals?
Replies: 33
Views: 2692

Re: Timing for RMD withdrawals?

Once you determine the RMD for an upcoming year, is the best way to make the withdrawal as equal monthly withdrawals (I guess like dollar cost averaging in reverse.) or as a single transaction at either the start or end of the year? Theoretically you should wait until the last minute (late December...
by bertilak
Sat Aug 20, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 139
Views: 8450

Re: Favorite Restaurant Stop on Road Trips

Ours is Cracker Barrel - great food and service at a reasonable price in a family friendly setting. That's my favorite as well. It is a known quantity and usually right there on the interstate within a few exits. Lots of warning signs miles ahead. I'd rather not spend a lot of time hunting down a r...
by bertilak
Sat Aug 20, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 113
Views: 6099

Re: What is your system for dealing with coins?

I also rarely use cash. When I do, and get coins as change, I dump them into a beer stein, the ceramic kind with a pewter lid that flips up. Once every 4 or 5 years I bring them to the coin machine at my credit union, dump the coins in, take the receipt to the cashier and deposit the money into my c...
by bertilak
Fri Aug 19, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 51
Views: 3292

Re: Instant oatmeal vs "regular" oatmeal

A question for the nerdy old-timers: why do they still bother to pack oatmeal in cylindrical cardboard boxes when nobody makes crystal radios any more? :) I don't know, but a toilet paper tube is all you need anyway. We did that (TP tube) in Cub Scouts. (Does that make it a tube radio?) Never did i...
by bertilak
Fri Aug 19, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2782

Re: Which financial program to get? Quickbooks vs YNAB vs others

Next may be setting up bill pay out of the checking account. As an aside, while I am a heavy Quicken user, I do not use their Bill Pay feature. Yes that is quite reasonable. Nowadays most checking accounts have full-featured bill-pay capabilities and one could centralize one's bill-paying there. Wh...
by bertilak
Fri Aug 19, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2782

Re: Which financial program to get? Quickbooks vs YNAB vs others

I just got quicken - will play around with it over the weekend and see how it goes Start by setting up your checking account with download from your financial institution. You could look at everything else as a refinement of, or extension to, that. Checking account or credit card first? Or Both? We...
by bertilak
Fri Aug 19, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 47
Views: 2782

Re: Which financial program to get? Quickbooks vs YNAB vs others

I just got quicken - will play around with it over the weekend and see how it goes Start by setting up your checking account with download from your financial institution. You could look at everything else as a refinement of, or extension to, that. Next may be setting up bill pay out of the checkin...
by bertilak
Fri Aug 19, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Withdrawal method proposal -- Part 1: guiding principles and intent
Replies: 23
Views: 1938

Re: Withdrawal method proposal -- Part 1: guiding principles and intent

bertilak : Might there be some part of your portfolio that you should never withdraw from? Sort of a family legacy. It's not yours, but you are currently responsible for it. Interesting -- that effectively gives me a fiduciary responsibility to my heirs. A much higher standard. That seems to be the...
by bertilak
Fri Aug 19, 2016 10:11 am
Forum: Investing - Theory, News & General
Topic: Withdrawal method proposal -- Part 1: guiding principles and intent
Replies: 23
Views: 1938

Re: Withdrawal method proposal -- Part 1: guiding principles and intent

truenorth418: Do you intend to leave a bequest - maximizing residual left to heirs upon your death? I think that is partially a result of #4. If it has to last indefinitely, there will be something left over. I'm not really trying to maximize that value, but I am assuming that it needs to continue ...
by bertilak
Fri Aug 19, 2016 8:35 am
Forum: Investing - Theory, News & General
Topic: How do you know if you're taking on too much risk?
Replies: 14
Views: 1270

Re: How do you know if you're taking on too much risk?

I have in mind a more sophisticated version of the game on this page: http://qz.com/487013/this-game-will-show-you-just-how-foolish-it-is-to-sell-stocks-right-now/ . Great little game! It is the answer to all those "should I buy/sell now that the market is at an all-time/X-year high/Low?"...
by bertilak
Fri Aug 19, 2016 8:12 am
Forum: Investing - Theory, News & General
Topic: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks
Replies: 45
Views: 4911

Re: John Bogle says it is ok to just hold US stock index and Bond index, no international stocks

US stocks and bonds are surely all you need. There are projected advantages to splitting off MANY different categories as proposed by many different people: ⋅ International stocks ⋅ International bonds ⋅ Emerging Markets ⋅ Small Cap ⋅ Value (and othe...
by bertilak
Thu Aug 18, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: Better growth? Or on how the value premium ends
Replies: 183
Views: 7828

Re: Better growth? Or on how the value premium ends

Bertilak First factors are long short portfolios so TSM has no exposure to any factor except beta. Example, the small stocks in the TSM give you positive exposure to the size factor but the large stocks give you an exactly offsetting NEGATIVE exposure to the same factor. And that's true for value, ...
by bertilak
Thu Aug 18, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: How do you know if you're taking on too much risk?
Replies: 14
Views: 1270

Re: How do you know if you're taking on too much risk?

How do you know if you're taking on too much risk? You may not know until it's too late. That's one reason I favor a conservative AA. By conservative, I measure against how much a large loss would affect your well being. In your situation, I think you can look at two ways: ⋅ If you were d...
by bertilak
Thu Aug 18, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: Better growth? Or on how the value premium ends
Replies: 183
Views: 7828

Re: Better growth? Or on how the value premium ends

IMO it's important to diversify across many factors as all experience long periods of underperformance ... A while back I made a post which included something like the following: "There are MANY factors. TSM has them all. Why hunt them down individually?" You corrected me by saying (as I ...
by bertilak
Wed Aug 17, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help - can you transfer in-kind within Vanguard?
Replies: 8
Views: 661

Re: Help - can you transfer in-kind within Vanguard?

Hello all, I currently am holding Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares (VFIDX) in my taxable account. I do not reinvest the proceeds but rather have the dividends paid out to me in my sweep account. The fund has gone up since I bought it and has unrealized capital gains (...
by bertilak
Wed Aug 17, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4045

Re: Request for recommendations: English Mystery TV series

Caduceus wrote:I think you'd like Grantchester. It helps that the younger vicar and his older police partner are both pretty hot. If this were an American production, they would probably be shirtless half the time. Alas.

I see more naked buts and boobies on British TV!
by bertilak
Wed Aug 17, 2016 5:08 am
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4045

Re: Request for recommendations: English Mystery TV series

I loved Broadchurch--David Tennant and Olivia Colman are fantastic. D.I. Hardy is so hilariously grumpy. Have you gotten to the awkward dinner party yet? Agree. Their characters are great. Yes. That dinner party was awkward. :happy Some of the townspeople are hilariously self-centered. Many full of...
by bertilak
Tue Aug 16, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4045

Re: Request for recommendations: English Mystery TV series

I put a bunch of the above recommendations on my Netflix list. I started with Broadchurch. So far I am enjoying this. I was a bit surprised at the structure. I was expecting that each episode (or two) would wrap up some story or mystery, but after 5 episodes we still haven't solved the murder in epi...
by bertilak
Tue Aug 16, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 26
Views: 1208

Re: Editing shortcut emacs-like keys. Do u use them?

VI fans have a saying: "Emacs is a nice operating system with a lousy editor!"
by bertilak
Tue Aug 16, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 39
Views: 3000

Re: Gutters and gutter guards

Do shop around. Prices vary widely, as does quality, but the two are only loosely linked. I found the best deal at Lowes, at least for my price point. Also consider having the fascia repainted/stained/sealed/repaired/whatever before putting up new gutters. P.S. I only got gutter guards where trees w...
by bertilak
Tue Aug 16, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Deciding Which Debt to Make a $17,000 Payment
Replies: 22
Views: 1099

Re: Need Help Deciding Which Debt to Make a $17,000 Payment

I didn't read enough of this thread to see if the following point was addressed ... Don't forget to take into account the benefits of any immediate cash flow improvements. The improved cash flow can be applied to paying down one of he other debts. This leads one to consider initially paying down/off...
by bertilak
Mon Aug 15, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1846
Views: 423909

Re: What Movie Have You Recently Watched?

What do you mean? Those Canadians, British and Italians are really dangerous! Just look at their murder rates! And don't get me started on the Greeks and French. Especially the British! I recently got very interested their TV murder mystery shows. One review said that there are more murders in rura...
by bertilak
Sun Aug 14, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4045

Re: Request for recommendations: English Mystery TV series

I loved Gently. The passage of time was artfully part of the show "was?" Past tense? I am eagerly awaiting a new season! Tell me it isn't so! Did a little sleuthing. I found only ONE place mentioning a new season (8): http://tellyspotting.kera.org/2015/03/15/behind-the-scenes-with-inspect...
by bertilak
Sun Aug 14, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3686

Re: HOA Ruling

I'm not an attorney, but if you signed a document stating that 12X16 is allowed, I don't see how they can deny you of that request. To do that would be a violation of their own contract. If they allowed someone else to have a 12X16 shed but not you, they are basically practicing selective enforceme...
by bertilak
Sat Aug 13, 2016 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Longtime Lurker Finally Ready to Bare It All ;)
Replies: 32
Views: 2658

Re: Longtime Lurker Finally Ready to Bare It All ;)

I have a rough idea of ideal asset allocations (your age in bonds, etc) but am not sure how that applies with a 10-year age gap between my husband and I. Age in bonds is just a rough guideline. I think average age in bonds is just as good a guideline. Before setting an AA think about projected expe...
by bertilak
Sat Aug 13, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Longtime Lurker Finally Ready to Bare It All ;)
Replies: 32
Views: 2658

Re: Longtime Lurker Finally Ready to Bare It All ;)

It's also noteworthy that there's no discernible strategy to the Ameriprise accounts. That was the final straw that led me to abandon my 1% AUM financial advisor. After MANY ignored requests to tell me what the overall strategy was I gave up. (At the time I didn't even know what an overall strategy...
by bertilak
Sat Aug 13, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Longtime Lurker Finally Ready to Bare It All ;)
Replies: 32
Views: 2658

Re: Longtime Lurker Finally Ready to Bare It All ;)

As a former Ameriprise customer I feel compelled to respond. You did not list expense ratios for the Ameriprise taxable funds, I looked up the first "Columbia Balanced", according to Morningstar this fund has a 5.75% load PLUS a 1.06% expense ratio. Add to that the 1.0% AUM you are being ...
by bertilak
Sat Aug 13, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: ETF or Mutual Funds?
Replies: 10
Views: 823

Re: ETF or Mutual Funds?

I understand you can convert mutual fund to ETF, but not the other way around. Don't know why you'd ever want or need to do that, but it's nice to know the option is there. Generally, you cannot transfer an Admiral class fund out of Vanguard. I think it will revert to Investor class, if the destina...
by bertilak
Fri Aug 12, 2016 5:40 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4045

Re: Request for recommendations: English Mystery TV series

Thanks for the great thread. I don't think we have missed but one or two in the entire set of suggestions so far, including all of Midsomer and the two Australian series. Somewhat related is the American "Elementary" with Holmes, Watson, Gregson, and even Mycroft -- in New York. Further a...

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