Search found 582 matches

by dad2000
Wed Apr 27, 2016 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: College Savings approach/plan - pls critique & advise
Replies: 4
Views: 402

Re: College Savings approach/plan - pls critique & advise

My experience is that money can be easily moved between the 2 children if you stick with the same 529 provider, so you don't necessarily need to be so rigid in thinking that the first 140k is for the older child, etc. Also, I-Bonds have similar tax benefits when used for education, but can also be r...
by dad2000
Thu Apr 14, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 4601

Re: My neighborhood is too quiet (and no kids)

I can't remember the source and may be a little off on the numbers, but I read an article two days ago that referenced a study relevant to this discussion. People were asked if they socialized with a neighbor once or more per week on average. Recently, the yes responses average about 30%, and I thin...
by dad2000
Thu Apr 07, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Help with cleaning glass shower doors
Replies: 32
Views: 2421

Re: Help with cleaning glass shower doors

I would try Kaboom or CLR, but be careful, as these could damage your tile and other nice surfaces. I suggest testing on a small spot before going all out.
by dad2000
Thu Mar 31, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: New tire with no manufacture date
Replies: 4
Views: 467

Re: New tire with no manufacture date

Do you see only DOT xxxx on the sidewall? The full tire ID and date of manufacture are probably on the opposite sidewall. If you can't slide under to see it, try holding your smartphone underneath and flash a few pictures.
by dad2000
Mon Mar 28, 2016 7:05 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 3433

Re: Your fav [US domestic] airline - as far as flying experience?

1. Jetblue 2. Virgin (good but somewhat disappointing given all the great things I've read) 3. Delta 4. American 5. Southwest (felt like cattle) 6. United 7. U.S. Air (bad experiences with staffing & lateness) 8. Spirit, Frontier, etc. (haven't flown these in a long time but I'm certain they're ...
by dad2000
Thu Mar 24, 2016 6:00 pm
Forum: Investing - Theory, News & General
Topic: Predicting stock market returns accurately?
Replies: 52
Views: 3096

Re: Predicting stock market returns accurately?

I read through the article. Many of us use P/E 10 or historical averages to estimate future returns for retirement planning purposes. I don't know that these metrics would be any more accurate than the metric presented by the author. We just have to remember that this is a statistic, and to remember...
by dad2000
Thu Mar 24, 2016 4:16 pm
Forum: Investing - Theory, News & General
Topic: Some I Bond Questions
Replies: 14
Views: 1582

Re: Some I Bond Questions

Regarding the purchase limits: $10k per SSN becomes $20k/yr if you're married. And if you have an A/B trust (many people do), you can up that to $10k per trust for a total of $40k/year. Even if you are a typical HNW BH saver (ie 2x 401k + 2x IRA + HSA), $40k of extra deferred space for fixed-income ...
by dad2000
Mon Mar 14, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Any suggestions for cooling solution for Florida garage?
Replies: 21
Views: 1594

Re: Any suggestions for cooling solution for Florida garage?

Given the physical and HOA restrictions, all I can think of is a portable air conditioner unit like a previous poster mentioned. However, you'll want one that uses a vent hose so you can exhaust the hot air out while minimizing hot air leakage back into the garage. Since the garage seems to have no ...
by dad2000
Thu Feb 04, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: A little confused about what to do with new 1099 income
Replies: 3
Views: 449

Re: A little confused about what to do with new 1099 income

OK. Solo 401k and good expense tracking is the plan.

Thanks for your responses.
by dad2000
Wed Feb 03, 2016 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: A little confused about what to do with new 1099 income
Replies: 3
Views: 449

A little confused about what to do with new 1099 income

For 2016: My wife and I are both W-2 employees. I am a high earner. We will max out our employer 401k contributions (her $18k, me $24k). We both have great plans. We will max out our non-deductible traditional IRA contributions. (her $5500, me $6500) All of our IRA balances are Roth backdoored annua...
by dad2000
Wed Dec 30, 2015 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best No Annual Fees Rewards/Cash-Back Credit Cards
Replies: 87
Views: 7072

Re: Best No Annual Fees Rewards/Cash-Back Credit Cards

I don't like to keep a lot of cards. The Citi Double Cash is a good default card. 2% on all purchases, no rotating categories, no cap.
by dad2000
Tue Dec 29, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Several electrical outlets don't work
Replies: 50
Views: 2057

Re: Several electrical outlets don't work

Unless you missed an outlet, it's almost definitely a failed one. They tend to fail after 10 years. If you are going to the hardware store anyway and it's not very close by, I'd take inventory of the outlets and consider buying the replacement(s) while you're there. They're most likely either 15A or...
by dad2000
Wed Dec 23, 2015 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15799

Re: What is your savings rate?

35% of gross - state/federal income tax, FICA
5% of gross - property taxes
23% of gross - goes to savings
37% of gross - remaining living expenses
No debt.
by dad2000
Tue Dec 22, 2015 10:33 pm
Forum: Personal Consumer Issues
Topic: Prius V totaled, regret New Honda CR-V
Replies: 41
Views: 4761

Re: Prius V totaled, regret New Honda CR-V

Volvos tend to have very, very comfortable seats and are typically very safe. Try before you buy though as others have suggested as seat comfort can be very personal. I have around 350,000 miles in Volvos. Most comfortable cars I've ever had in 55 years of driving. ACs in mine have always been grea...
by dad2000
Tue Dec 22, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 13054

Re: Biggest lucky break in your personal finances?

While in my 20s and before we had kids, I made a calculated risk to leave a solid job at a well-established business to join a startup with a couple of other 20-somethings. It seemed the optimal time to take risk, and it panned out. But I do believe that those who work hard tend to be "luckier&...
by dad2000
Tue Dec 15, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: Too old to change career?
Replies: 23
Views: 2671

Re: Too old to change career?

The path he is considering is not without challenges, and I question the ROI at this point in his life. If he otherwise likes his job, perhaps instead of going back to school, he could spend that time improving his stamina, either through diet, exercise, or sleep? I am in a career field that tends t...
by dad2000
Thu Dec 10, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: We have a major bedding issue. Yes, bedding.
Replies: 43
Views: 4710

Re: We have a major bedding issue. Yes, bedding.

We had similar issues here, though not quite as extreme. Previous posters have been right on. 1. 71 degrees is probably too warm. 66 works for us. 2. Get rid of everything that traps heat. Certainly not a heavy down comforter. Use cotton, and no synthetics. 3. Use a few layers of thinner bedding so ...
by dad2000
Sun Dec 06, 2015 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 9051

Re: Writing checks - a Bogleheads thing to do?

is there an age issue? I dont know any young people writing checks in the supermarket, but plenty of older ones. Maybe this is a habitual issue rather than a monetary one. +1 I've seen many checks written in the grocery line, but never by a millenial. I use my CC whenever there's no convenience fee...
by dad2000
Thu Oct 22, 2015 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: LTC insurance AGGHH !!! Can I self-insure ?
Replies: 53
Views: 5458

Re: LTC insurance AGGHH !!! Can I self-insure ?

Another problem I have with LTC insurance as it is sold today is that it's hard--maybe even impossible--to buy coverage for what I really need: the risk that I'll need *many* years of LTC. Several people on this thread have pointed out that there's a *chance* you might need it for 10+ years. I agre...
by dad2000
Thu Oct 22, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: At what point did you and your spouse COMBINE your finances (or did you?)
Replies: 53
Views: 3664

Re: At what point did you and your spouse COMBINE your finances (or did you?)

She had no debt and no assets, so it wasn't complicated :D

We did it around the time we got engaged.
by dad2000
Wed Oct 07, 2015 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Freeze Credit vs Credit Score
Replies: 5
Views: 442

Re: Freeze Credit vs Credit Score

In my experience, the unanswered credit inquiries won't affect your FICO credit scores. The cable company isn't really extending you credit, at least not the type of credit that counts toward your FICO scores. I've never seen a utility on my credit report... mostly mortgages, car loans, and credit c...
by dad2000
Tue Oct 06, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Tony Robbins Said It Well
Replies: 30
Views: 3102

Re: Tony Robbins Said It Well

While he isn't saying much new, he has a lot of followers and IMHO what he said was pretty accurate. The relevant links: http://video.cnbc.com/gallery/?video=3000428877 http://americasbest401k.com/fee-checker/ Disclosure: The second link is a plug for a 401k provider that Robbins plugged at the end ...
by dad2000
Fri Sep 25, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Water leak
Replies: 11
Views: 1096

Re: Water leak

Honestly, it's just process of elimination. As others have said, shut off the valve near the meter on the house side. If the meter still runs, you've isolated the problem as not being in the house. Call the utility company. If the meter stops, the problem is in the house. Reopen the main valve, then...
by dad2000
Thu Sep 10, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ally is threatening to close my CD
Replies: 66
Views: 6273

Re: Ally is threatening to close my CD

It wasn't with Ally, but I had $200K in CDs with a local bank, and they informed me they were going to charge me $10/month due to inactivity. The manager refused to make any accommodations. I went to the counter and withdrew some small amount from savings like $1 to avoid the charge. Fortunately, th...
by dad2000
Thu Sep 10, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you freeze your credit?
Replies: 58
Views: 4471

Re: POLL: Do you freeze your credit?

Yes, it's been frozen for 5 years.

I think it cost $5 at each of the 3 agencies.

I rarely apply for credit, so paying the $5 for a temporary unfreeze is tolerable.
by dad2000
Wed Sep 09, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Retired - want advice on reducing brokerage costs and changing investment plan
Replies: 20
Views: 1964

Re: Retired - want advice on reducing brokerage costs and changing investment plan

I have investments with Vanguard, Schwab, and Fidelity. Vanguard is good, but you need to be fully comfortable dealing with them online or over the phone. They have the best lineup of low-cost mutual funds. Fidelity is decent, but overall, I find them to be more expensive than Schwab and Vanguard. T...
by dad2000
Wed Sep 09, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: new lawn dying / dead due to heat...suggestions?
Replies: 40
Views: 2547

Re: new lawn dying / dead due to heat...suggestions?

Interesting. I'm in MD. A little bit south of you but probably similar weather. No reputable lawn company would seed a lawn in the spring here. They will do patching but any restoration is done in the fall or they won't guarantee a thing. I have maintained lawns in a similar climate. I'm not going ...
by dad2000
Thu Sep 03, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: Lost Cell Phone
Replies: 12
Views: 1015

Re: Lost Cell Phone

CountryBoy wrote:I have no idea how to prevent a cell phone from slipping from my pocket...!!!!!???


Perhaps it's not stylish, but they make cases that can clip to your belt or pants.
by dad2000
Thu Sep 03, 2015 8:55 pm
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 14957

Re: Best Small Purchases (Around the house)

Amazon Fire Stick. I think they were 2 for $35.

Netflix, after cancelling all premium cable TV.

A good blender. Aging fruit gets turned into yummy smoothies.
by dad2000
Mon Aug 31, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: What kind of average annual return should one expect?
Replies: 12
Views: 1473

Re: What kind of average annual return should one expect?

Fees are accounted for in the historical performance, but inflation is not.
by dad2000
Wed Aug 26, 2015 5:53 pm
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 5526

Re: washing machine [Recommendations for]

My recent experience with appliances is that there is an inverse relationship between reliability and efficiency/technology. I bought my first house 20 years ago and traded up about 10 years ago. My original 20 year old Maytag washer & dryer, as well as Kenmore (made by Whirlpool) refrigerator a...
by dad2000
Mon Aug 24, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: "There’s No Need to Fear Stock Market Corrections"
Replies: 15
Views: 2756

Re: "There’s No Need to Fear Stock Market Corrections"

Thanks Taylor. Now that I'm within a decade of retiring, I consider the last few trading days (and in particular this morning) a good opportunity to gauge my *actual* risk tolerance. My only reaction was to check for opportunities to tax-loss harvest this morning, but considered no other action. So ...
by dad2000
Fri Aug 07, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Advice re unrealized gains
Replies: 7
Views: 605

Re: Advice re unrealized gains

If your sole reason for selling is related to the 200 day moving average, then we would almost unanimously say it's a bad idea. If you are considering selling so that you can rebalance back to your AA, that would be a better reason. But the more tax efficient way to rebalance might be to shift asset...
by dad2000
Fri Aug 07, 2015 10:52 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 119
Views: 11817

Re: Credit Risk of Annuities

Here is an assessment of credit risk of SPIA's and some other annuities: http://www.advisorperspectives.com/articles/2012/08/14/how-safe-are-annuities This was an excellent article, thanks for sharing. Seems to me that buying SPIAs by chunks of $200k, from distinct and well-renowned insurers does m...
by dad2000
Thu Aug 06, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Browsers and Security - a question
Replies: 12
Views: 1749

Re: Browsers and Security - a question

For those who are curious, there are sites that will rate the SSL security of a website. One of the more popular ones is this: https://www.ssllabs.com/ssltest/ Please note that this is only an assessment of the site SSL security, and not necessarily a proxy for the overall cybersecurity strength of ...
by dad2000
Wed Aug 05, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard account question - Rollover IRA and Roth IRA
Replies: 5
Views: 352

Re: Vanguard account question - Rollover IRA and Roth IRA

Perhaps it's semantics, but I think that for the older (prior to 2014 tax year) contributions, "recharacterize" is the wrong term. I think they would be a conversion. And because you deducted the original contributions, the entire conversion amount (contribution, cap gains, reinvestments) ...
by dad2000
Wed Aug 05, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard account question - Rollover IRA and Roth IRA
Replies: 5
Views: 352

Re: Vanguard account question - Rollover IRA and Roth IRA

My best guess is that you would have to perform a Backdoor Roth to make it the way you intended. You may be able to recharacterize the most recent contribution until October 15. If you received the IRA contribution deduction for those previous contributions, then you'd have to look at the tax conseq...
by dad2000
Tue Aug 04, 2015 7:40 pm
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 119
Views: 11817

Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

http://www.advisorperspectives.com/arti ... portfolios

They look good in theory, but I still struggle with the credit risk vs Treasuries, even with the state guarantees.
by dad2000
Mon Aug 03, 2015 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Company changing 401k plans, roll-over to IRA?
Replies: 6
Views: 627

Re: Company changing 401k plans, roll-over to IRA?

I would suggest calling Vanguard to work through the details.

When I went did my rollover, Vanguard created an account called "Rollover IRA", which was separate from my other IRA & Roth accounts. But that was several years ago.
by dad2000
Thu Jul 30, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: How has the 4% rule held up since the tech bubble and the 2008 crisis
Replies: 45
Views: 7378

Re: How has the 4% rule held up since the tech bubble and the 2008 crisis

If I understand the 4% rule correctly, you calculate you initial annual withdrawal amount (in dollars) as 4% of your portfolio. You then adjust the dollar amount up for inflation each year. I (and I suspect many people) won't really spend this way, so why should we care? I'm more interested in VPW. ...
by dad2000
Mon Jul 27, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Need a Piece of Evidence on the Boglehead Strategy
Replies: 34
Views: 3232

Re: Need a Piece of Evidence on the Boglehead Strategy

I know there have been some reading recommendations. I thought I'd throw in a video alternative. Though it's not the overall best documentary on the subject, there is a segment at around 23:30 with Jason Zweig followed by John Bogle that gets the point about fees and active management across: http:/...
by dad2000
Thu Jul 23, 2015 8:41 pm
Forum: Investing - Theory, News & General
Topic: Boglehead portfolio in a negative interest rate environment
Replies: 18
Views: 2325

Re: Boglehead portfolio in a negative interest rate environment

I would be thankful that I have a significant amount of my fixed income ($160k) in I-bonds, and probably not change much.
by dad2000
Wed Jul 15, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 5277

Re: Are the more expensive bikes worth paying for?

I would never buy from a dept store, as they generally sell junk that is poorly assembled. As others have suggested, check out the local bike shops. Find a clearance bike that fits you well. You will find something suitable for $500. In your price range, I wouldn't necessarily target a specific bran...
by dad2000
Thu Jul 02, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: What is the Duration of Your Bond Portfolio? And Why?
Replies: 61
Views: 6665

Re: What is the Duration of Your Bond Portfolio? And Why?

Probably around 4.5. I have 60% VBTLX, 20% VWITX, 20% I-Bonds. I assume I-Bonds to have duration ~0.

Why? I look to bonds for stability, so I keep the quality high and the duration short/intermediate. If I take risk, it's with equities.
by dad2000
Tue Jun 30, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 169
Views: 20040

Re: TIPS - Did you give up?

I've never owned TIPS, but I have been buying $40K in I-Bonds annually. It's a way of extending my tax-advantaged space. They represent about about 20% of my retirement bond allocation (7% of retirement portfolio).

I haven't purchased yet this year, hoping that the fixed rate increases from 0.
by dad2000
Tue Jun 30, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 158
Views: 14304

Re: Obsessing towards zero balance on credit card.

Though I used to simply pay my bill in full each month, a FICO report once indicated that my score was lowered because my daily average balance was high. So I got in the habit of paying on my most used card 2-3 times per month. I certainly never added up unposted transactions in an attempt to get to...
by dad2000
Mon Jun 29, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Being Mr. Bogle's Company has 3 Trillion Dollars
Replies: 15
Views: 2378

Re: Being Mr. Bogle's Company has 3 Trillion Dollars

Perhaps a fair comparison is Fidelity, with almost $2T AUM. The founding Johnson family has a reported net worth of about $40B.

However, it's almost a certainty that Vanguard wouldn't be as large as it is had Bogle structured it more traditionally.
by dad2000
Fri Jun 26, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Market dynamics different now
Replies: 1
Views: 453

Re: Market dynamics different now

If the comfort offered by these "stupid controls" influences your asset allocation decisions, I would ask you if these same "stupid controls" were in place prior to the big collapse of 2008? Perhaps Fed policy is creating a bubble like we had with real estate, or maybe it's not. ...

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