Search found 1348 matches

by catdude
Mon Nov 20, 2017 2:18 am
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3532

Re: Oregon makes you save, unless you object. NYT article

Nate79 wrote:
Sun Nov 19, 2017 3:30 pm
When the solution to some of the worst traffic in the country is to build a bike lane I consider this one of the smarter things these buffoons have done.
+1000

I steer clear of Portland as much as possible... the traffic is miserable...
by catdude
Sun Nov 12, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5615

Re: Costco for tires and car insurance?

OP here again. Thanks again to everyone for sharing your experiences. I think I'll wait till next month and see if Costco does a sale on Michelins. I've got a set of Michelins for my 2007 Camry, which I'm in the process of selling. They've been good tires, so I feel inclined to get another set for ...
by catdude
Sun Nov 12, 2017 3:16 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5615

Re: Costco for tires and car insurance?

OP here again. Thanks again to everyone for sharing your experiences. I think I'll wait till next month and see if Costco does a sale on Michelins. I've got a set of Michelins for my 2007 Camry, which I'm in the process of selling. They've been good tires, so I feel inclined to get another set for t...
by catdude
Sun Nov 12, 2017 2:59 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9670

Re: Retirees: I got this!!

Howdy y'all - I'm 62, been retired for seven years. My modest pension helps tremendously to tamp down whatever financial stress there might be. But I've come to the realization that it's unrealistic for me to live on my pension alone. Roth conversions, high state taxes, vet bills for my four senior ...
by catdude
Fri Nov 10, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5615

Re: Costco for tires and car insurance?

Hi, OP here. Thanks y'all for your feedback, I'm much obliged. I'm inclined to go with Costco for the tires (but not the insurance). I've done a bit of price-checking and they seem to be quite a bit less expensive than Discount Tire. And thanks Sandtrap for the kind words about my avatar! That's not...
by catdude
Fri Nov 10, 2017 2:08 am
Forum: Investing - Help with Personal Investments
Topic: Any red flags all stocks no bonds...
Replies: 64
Views: 2679

Re: Any red flags all stocks no bonds...

Are you prepared to see your portfolio drop by 50%? That could happen in a bear market. Lotsa people think they can handle the volatility, until the market tanks....
by catdude
Fri Nov 10, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5615

Costco for tires and car insurance?

Hi Bogleheads - I just bought a slightly used 2017 Ford Escape, and I'm thinking that I should get a set of winter tires for it. Winters here can be kinda nasty; last one definitely was. I'm inclined to get the tires from Costco... I'm just wondering if anyone out there has experience with buying ti...
by catdude
Sat Nov 04, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11072

Re: Got an iPhoneX

matjen wrote:
Sat Nov 04, 2017 12:14 pm
Finally we were able to get the iPhone X photo uploaded... :twisted:

Image
What a hoot!!
by catdude
Thu Nov 02, 2017 5:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5209

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I played around with a couple of cute pics of my cats, but wasn't able to get them to fit. So I did a bit of web-surfing and came up with this one awhile back. He looks a lot like one of my cats, but he's not. I like that he's using a computer mouse for a pillow. Cat... mouse... get it?
by catdude
Thu Nov 02, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15112

Re: What was the main reason you retired?

That said, if a picture is worth a thousand words, catdude's avatar pretty much captures how I've felt about retirement since I quit... :beer Thanks for the kind words about my avatar! Here's another look at it, for those who are interested. Upthread someone mentioned that the reason for his retire...
by catdude
Sat Oct 28, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7663

Re: Can I retire today?

Teague, I would just advise you to pay attention to pension happenings in your state. You're with CalPERS, right? They, and many other pension funds across the country, have very large unfunded liabilities. You have enough assets that you'll probably be OK, but be prepared to cut back if need be. It...
by catdude
Sat Oct 28, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2344

Re: Going to SF, Yosemite and Sacramento and now PORTLAND

Portland - roommate from college is 2 hours away and will meet me in Portland; so now 2-3 days in Portland. This is rapidly becoming more vacation than work. Just beginning to compile a list of things to do in Portland now Saturday Market Mulnomah Falls Don't just see Multnomah Falls, there are oth...
by catdude
Wed Oct 18, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2743

Re: Best smartphone

I really like my iPhone SE. I got if from Consumer Cellular 6 or 8 months ago for $200. (Their price for it is now $160). Dollar for dollar it may be the best iPhone out there.
by catdude
Sun Oct 08, 2017 3:01 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13159

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Generally I've liked this ... get to see what's coming in the mail, usually junk mail. Today I found out one downside ... I got the email and it shows an official looking document from IRS is coming. Then you spend the next few hours racking your brain for what it could be ... and envisioning the w...
by catdude
Sat Oct 07, 2017 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 4100

Re: Retirees, how and how much do you pay for health insurance?

I'm 62 and single. I get coverage thru my former employer. They pay 70% of the premium and I pay 30%. BCBS... ex-employer pays $384/mo., I pay $165 Caremark (prescription drugs)... ex-employer pays $122/mo., I pay $52 Dental... ex-employer pays $24/mo., I pay $10 (My co-pays for doctor visits and mo...
by catdude
Wed Oct 04, 2017 3:05 am
Forum: Investing - Help with Personal Investments
Topic: Transitioning from Pension job to private practice
Replies: 6
Views: 600

Re: Transitioning from Pension job to private practice

OP, here's a website that you may find useful -- http://www.pensiontsunami.com It's updated daily with links to media articles, blog posts, etc. The primary focus of the site is the ongoing pension crisis in California (CalPERS, CalSTRS, various municipalities, etc.); but other states are covered as...
by catdude
Tue Oct 03, 2017 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Would you recommend moving an Edwards Jones IRA to Vanguard?
Replies: 16
Views: 1458

Re: Would you recommend moving an Edwards Jones IRA to Vanguard?

Are there any tax implications I should talk to an account about before seller by the edward jones American finds and buying vanguard funds? I purchased almost all of the EJ funds in 2008 before the mega down turn No, there are no tax implications for transferring an IRA, since it's a tax-deferred ...
by catdude
Thu Sep 28, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9934

Re: My boneheaded financial mistakes

Hi, OP here. Can't believe I forgot this, but when I was much younger, on a couple occasions I loaned money to people who turned out to be deadbeats. :oops: Really dumb. But I learned a valuable lesson for a relatively small amount of money.
by catdude
Wed Sep 27, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 6190

Re: My Smartest Financial Moves

Getting informed about investing and then staying informed. Getting informed by lots of reading that led to Jack Bogle and indexing, and staying informed by more good reading that helped me stay the course. +1 I will add that, during the last 10-12 years of my career, I maxed out my 457 plan and my...
by catdude
Wed Sep 27, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9934

Re: My boneheaded financial mistakes

As a young BH I really enjoy reading these kinds of threads. Seemingly regardless of what poor decisions everyone has made along the way, it's encouraging to know that you've rebounded from them and have found the right path. Thanks for posting OP! (and better luck in your future endeavors :D ) You...
by catdude
Wed Sep 27, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9934

My boneheaded financial mistakes

Here on Bogleheads, discussing the stupidities of celebrities, star athletes, politicians, etc. etc., is a no-no. But happily (or perhaps not so happily) we ARE allowed to talk about our own stupid mistakes. I've made my share. In fact, I think I've made just about every dumb move there is to make. ...
by catdude
Tue Sep 26, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1462

Re: Weekend trip in Portland, Oregon - ideas?

Just want to second the recommendation of Powell's Bookstore. It's must-see if you're at all interested in books.
by catdude
Mon Sep 25, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3124

Re: BH phone review: Moto G5 Plus

My brother, who can easily afford any smartphone he wants, just bought a moto g5. He loves it!
by catdude
Mon Sep 25, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to buy Apple Stock on 9/23?
Replies: 18
Views: 2006

Re: Is it a good time to buy Apple Stock on 9/23?

Thank you all. These are very valuable and wise advices. This is the reason why I love you guys and the site so much. :D I really appreciate it. I listened to you and withdrew my buying APPL stock idea. One more question: I have had $150K in VTSAX and $70K in VTIAX since March 2017. They are growin...
by catdude
Sat Sep 23, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 713

Re: Need $$$; tap my taxable acct or my IRA?

Here's something I just thought of. I need to pull out $20,000. If I take it from taxable, $10k is return of capital (not subject to tax), and the other $10k is LTCG, taxed at 0%. If I take $20K from my IRA, it's all taxed as ordinary income. I've got 10k space in the 15% bracket, so 10k gets taxed ...
by catdude
Sat Sep 23, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 713

Re: Need $$$; tap my taxable acct or my IRA?

What percent of your assets are in a tax-deferred account? If under 20% I wouldn't worry about huge RMDs, but if 50% or more of your assets are in tax-deferred, those RMDs are going to surprise you when you are 70.5. In the latter case, it may be better to start bringing down the value of the tax-d...
by catdude
Sat Sep 23, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12167

Re: Lifestyle Creep

The biggest single aspect of lifestyle creep I successfully avoided was buying more house than needed. The vast majority of my (former) colleagues own McMansions, near-McMansions or relatively high-end older houses. I bought a decent little house of a size that used to routinely and comfortably acc...
by catdude
Sat Sep 23, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 713

Re: Need $$$; tap my taxable acct or my IRA?

I would definitely harvest the cap gains in the brokerage account. Can't do any better than 0% tax rate. You should probably be harvesting those gains anyway if you have space in the 15% tax bracket. aristotelian - I have 10k of available space every year in the 15% bracket (my pension income is ve...
by catdude
Sat Sep 23, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 713

Re: Need $$$; tap my taxable acct or my IRA?

If your 10k CG doesn't bump you above the 15% tax bracket, there should be 0% tax on your CG. I would take it from taxable rather than IRA. Don't you have any emergency funds? I would try to have some available somehow. I do have emergency funds of about 28k, but would have to use all of those $$$ ...
by catdude
Sat Sep 23, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need $$$; tap my taxable acct or my IRA?
Replies: 12
Views: 713

Need $$$; tap my taxable acct or my IRA?

Hi Bogleheads - As I mentioned in another thread, it looks like I'm going to be buying my niece's 2017 Ford Escape. KBB values it at $27.7K; I've got some cash on hand, but I'll need to draw down about $20K from my investments. The question is, should I take that from my taxable account or my tradit...
by catdude
Fri Sep 22, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8723

Re: Age you retired

Retired at 55, exactly seven years ago. Retirement sure beats working!
by catdude
Sat Sep 16, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 25087

Re: Iphone X is $1000

wrongfunds wrote:
Sat Sep 16, 2017 11:53 am
SE for $150 is the best bang for your buck. Same processor as the 6s
Can you tell me where can I get unlocked SE for $150?
I don't know of a place selling the SE for $150, but Consumer Cellular is selling it for $160 ...

https://www.consumercellular.com/Products/821/Details
by catdude
Sat Sep 16, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2455

Re: Any Ford Escape drivers in Boglehead-land?

Hi, OP here. Thanks everyone for your thoughts. This is very helpful feedback. I think I will go ahead and buy the car, assuming that my niece follows thru on her plans to sell it. I'm looking forward to getting some 21st century technology...
by catdude
Fri Sep 15, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13159

Re: Postal Service -- "informed delivery"

Looks useful. But...the FAQ has this sentence under how the method works: "Informed Delivery allows users to take action before important items reach their mailbox, while offering mailers an unprecedented opportunity to engage users through synchronized direct mail and digital marketing campaigns."...
by catdude
Fri Sep 15, 2017 2:03 am
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2455

Any Ford Escape drivers in Boglehead-land?

Y'all, My oldest niece and her fiancé are probably going to be re-locating to NY City soon. They'll likely need to sell their cars, and I'm interested in buying her 2017 Ford Escape. The winters here can be rugged (last winter certainly was) so I can use the Escape's AWD. And it's got 245 hp, which ...
by catdude
Wed Sep 13, 2017 1:07 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 25087

Re: Iphone X is $1000

randomizer wrote:
Tue Sep 12, 2017 5:09 pm
Nope. Nope. Nope.

IPhone SE is good enough for me.
Me too. Love the small form factor of the SE....
by catdude
Sat Sep 09, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11849

Re: Anyone else freeze their credit score?

Yeah I froze mine yesterday. I'm 62 and retired and don't anticipate needing credit again. And if I do, I can always do an un-freeze. I had been meaning to freeze my credit for a long time, and this Equifax breach finally got me off the dime...
by catdude
Fri Sep 08, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 50362

Re: Equifax customer information leak

I too just froze my credit at all three bureaus. It's something I'd meant to do for awhile but procrastination got in the way. The Equifax hack got me moving... It took roughly 20 minutes online to do the freezes, and each one cost 10 bucks (the cost is set by state law, right?). Glad I finally got ...
by catdude
Wed Sep 06, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25375

Re: Name something you had to have and now you regret purchasing it?

Amazon Echo +1 The only thing I used my Echo for was listening to internet radio. Plus one of my cats was in the habit of rubbing up against it and knocking it over. So I unplugged it and stuck it in the closet. I've replaced it with an old Logitech Squeezebox Boom -- it works just as well for list...
by catdude
Mon Sep 04, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 46191

Re: What is your favorite consumer product?

Long ago, when this thread was launched (actually two & a half years ago), several folks mentioned their fondness for Logitech squeezeboxes. They've long since been discontinued, sad to say, but I'm still using a couple of Squeezebox Booms to listen to internet radio. Pretty cool devices. I've still...
by catdude
Mon Aug 28, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Absolute noob when it comes to investing needs advice
Replies: 80
Views: 4909

Re: Absolute noob when it comes to investing needs advice

Hi, new here but more importantly new to investing. In fact, you likely won't find many people who know less about it than me. However, with some help from a friend and spending a few days reading online i've decided i want to invest in mutual funds. I'm 62, retired on a shoestring (mainly because ...
by catdude
Sun Aug 27, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2277

Re: Do people in the 15% tax bracket tax loss harvest?

A lower tax bracket is mathematically impossible. if you are in the 15% bracket, your long term capital gains are taxed at 0. Hence, I would tax gain harvest if I was in the 15% tax bracket. Because your increasing your basis for free. Would you tax gain harvest in lieu of doing a Roth conversion? ...
by catdude
Tue Aug 22, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 5178

Re: Eclipse Traffic: predictions vs reality?

Predictions for central Oregon were that we would have wall-to-wall traffic for several days prior to the eclipse. That didn't materialize. During those several days, I checked the ODOT cameras for Rt 97 periodically and saw nothing out of the ordinary. I kept wondering where all the traffic was. On...
by catdude
Mon Aug 21, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16025

Re: How far would you travel to see The Eclipse?

Walked to the front yard. Pretty underwhelming and was expecting it to be more. From what I see there is definitely two camps of people. Those that think it was awesome and those that yawn and go back to real life. In Portland you only got 99%. The difference is everything. Put it this way... a par...
by catdude
Mon Aug 21, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16025

Re: How far would you travel to see The Eclipse?

BTW, one of the things that struck me about the experience was the feeling I got in the 10 - 15 minute period before totality. It was like dusk, only it felt weird. It was quite eerie. Did anyone else get that feeling? I don't know if there was the same feeling post-totality -- by that time, I was o...
by catdude
Mon Aug 21, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16025

Re: How far would you travel to see The Eclipse?

It is worth it. Salem OR. +100 Just got back from a quick trip up to Redmond. Totality is pretty dang cool and awesome -- even 45 seconds of it, which is what I got. Redmond was on the very edge of totality. Many thanks to BH Nearing Destination for mentioning the ODOT TripCheck website -- I took a...
by catdude
Sun Aug 20, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14457

Re: I own no international stocks. Can you guess why?

stemikger wrote:
Sun Aug 20, 2017 10:55 pm
Because you no longer own stocks?
That's my guess too....
by catdude
Sat Aug 19, 2017 12:26 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16025

Re: How far would you travel to see The Eclipse?

Gerry Here in central OR, we've had the whychus fire and the current "milli" fire (still nowhere near contained and over 3000 acres earlier this morning) which has caused a bit of problem with visibility-- we are relatively clear in our location in the totality path-- but should still have enough c...
by catdude
Wed Aug 16, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13159

Re: Postal Service -- "informed delivery"

It still seems to me to be a solution in search of a problem. Now if someone can figure out who sends all that crap that ends up in my spam folder that is something I would be interested in. :D I agree. First of all, it won't tell you of any mail that was stolen before it got to the final post offi...