Search found 606 matches

by finite_difference
Sat Jul 22, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3159

Re: Healthiest Beer for the Buck

SrGrumpy wrote:A nice thick Guinness has shockingly few calories. Not sure about the maltose/dextrose factor.


Guinness++.

Not just least alcohol/calories, but also natural ingredients. German beer should also be high-quality (Reinheitsgebot). Also probably good American craft beer.
by finite_difference
Fri Jul 21, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Scooter for local commute - Honda PCX 150, etc...
Replies: 39
Views: 1642

Re: Scooter for local commute - Honda PCX 150, etc...

I vote Vespa Primavera based on style and price. If you had parking, could look at Volt, Leaf, Prius, Smart Car.
by finite_difference
Tue Jul 18, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 3916

Re: Expense Ratios, how high is too high

Many of TIAA CREF's funds are in the 0.3-0.6% range, which is expensive, but still worth it if you have no other choice.

I try to stay at 0.2% or under. But the most expensive fund that I like is VTWSX (0.21%).
by finite_difference
Tue Jul 18, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: The Quest for Perfection
Replies: 117
Views: 5652

Re: The Quest for Perfection

Compare to: 65% Vanguard Total Stock Market, 20% Vanguard Total International, 15% Vanguard Total Bond.

Track your portfolio after expenses vs the above. I think you will find the above tough to beat. (Taylor's 3-Fund Portfolio.)
by finite_difference
Mon Jul 17, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Are stock market returns doomed by the Baby Boomers?
Replies: 27
Views: 2885

Re: Are stock market returns doomed by the Baby Boomers?

I thought the baby boomers all had pensions, not fancy shmancy crap like 401k/IRAs :) Most people, including baby boomers, don't contribute much to 401ks/Roth IRAs anyway. Whatever the default is or maybe the minimum for a match. And if they do contribute it's probably in some terrible fund with 1% ...
by finite_difference
Sun Jul 16, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Likelihood 20/80 AA going Zero.
Replies: 8
Views: 1007

Re: Likelihood 20/80 AA going Zero.

In my opinion, 0/100 is foolish. But 20/80 is reasonable if you are very conservative. But if you do a 3% SWR, you will be fine with 0/100. But I would just do 80% G, 16% C, 4% S. Then you can rebalance annually yourself. 100% chance* of lasting 30 years. I think this portfolio would last closer to ...
by finite_difference
Tue Jul 11, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 2240

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

With a Golf SportWagen and "only" 4 adults/1 child, I also think you should invest in a high-end narrow car seat. And learn to install it properly. That is much better than having to switch your son's car seat around, since you increase the risk of the car seat being installed incorrectly....
by finite_difference
Tue Jul 11, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4863

Re: $1368 for new shocks/struts on '05 Corolla?

If that's your favorite mechanic, then have them do it. Otherwise find another good shop and get their opinion and quote. Yes I think the worth a $1400 maintenance to replace struts. Yes I think high-quality tires from Costco are worth it. This is standard car maintenance. $1800 over 12 months is st...
by finite_difference
Tue Jul 11, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12873

Re: Costco vs. other wholesale clubs

bottlecap wrote:Because many people think Costco has better stuff at a good price. That's the only reason to shop one over another.

JT


Not the only reason. They also one of the best return policies and they pay their employees well.
by finite_difference
Sun Jul 09, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 10814

Re: What do you splurge on?

Tires
High quality food
Air filters (MERV 11 minimum)
Buying new cars: but keeping for a longtime
Kiddos
Travel
Video games, TV series, movies, books
Quality software
by finite_difference
Sun Jul 09, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7137

Re: how to destroy hard disk with personal info

Zero out the drive 3x and then sell it on eBay?

I would like to challenge anyone who could recover data from such a drive.

Seems like a lot of people are letting hardware go to waste for no good reason.
by finite_difference
Sat Jul 08, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Gift to son buy a condo in San Francisco. Co-ownership?
Replies: 55
Views: 4018

Re: Gift to son buy a condo in San Francisco. Co-ownership?

Your estate value is well above the federal estate tax exclusion ($5.49M in 2017). Talk to your estate planning attorney. You need to have an overall strategy in place which should include gifting. If I was in your situation I would already be gifting your son $28K every year (and $28K to his spous...
by finite_difference
Sat Jul 08, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4526

Re: Better hurry if you want a gas-engine Volvo

You got me. :oops: There are not nearly enough overnight parking spaces in North America to charge an electric car fleet conveniently. Let's build separate 'stations' that we all have to drive to and sit there for hours and 'suffer'! Show of hands....how many people here (1) own a car AND (2) rely ...
by finite_difference
Fri Jul 07, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track, or just crazy...
Replies: 38
Views: 5697

Re: Am I on track, or just crazy...

By the way, if you are up to the task and all the work including the homeschooling (having the responsibility to teach 2 kids everything would just completely drain me, couldn't pull that off) then my hat is off to you for living your dream. I think it's awesome, actually.
by finite_difference
Fri Jul 07, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track, or just crazy...
Replies: 38
Views: 5697

Re: Am I on track, or just crazy...

the part about "transferring 18k or the max allowed" is confusing me. If you mean transfer INTO a Roth 401k or 403b, then you can't do that if you don't have a job that offers those. If you mean transfer OUT of a 401k or 403b, by doing backdoor Roth conversions, then that makes more sense...
by finite_difference
Thu Jul 06, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 218
Views: 29159

Re: What's the ideal safe retirement net worth target?

I have been thinking about this recently. I think $50,000 (2017 dollars) per year would be enough to live quite well assuming a paid off house. Worst case scenario I can relocate to a LCOL area of the US or move to a LCOL country. And hopefully get some SS on top of that. With a SWR of 3.5% that's a...
by finite_difference
Tue Jul 04, 2017 9:46 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks no debt?
Replies: 56
Views: 4197

Re: 100% stocks no debt?

I think 100% stocks (e.g. 80% Total US + 20% Total Intl) is fine if you can sleep like a baby at night and not worry about it. And your job is very stable. And you have a long time horizon (25+ years).
by finite_difference
Tue Jul 04, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Water bill outlier. Leaky Toilet help
Replies: 17
Views: 1657

Re: Water bill outlier. Leaky Toilet help

Buy the kit for your toilet and replace everything. Should cost about $50. Then you don't have to worry about a piece breaking here and there for like 5+ years :)
by finite_difference
Tue Jul 04, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Newest Boglehead Millionaire
Replies: 23
Views: 3930

Re: Newest Boglehead Millionair

Nice work! Although you say it's slow, seems pretty fast to me. Keep it up.
by finite_difference
Tue Jul 04, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: High Income, High Debt, Low Life Expectancy
Replies: 21
Views: 4562

Re: High Income, High Debt, Low Life Expectancy

Definitely max your Traditional 401k accounts and Roth IRAs. Otherwise I think socking away in taxable whatever remains makes sense. An AA of 90/10 or 80/20 is appropriate, or less stocks is fine too if you feel that's too risky. If it's not extremely rare so that it would impact your privacy, do yo...
by finite_difference
Tue Jul 04, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12792

Re: Bogleheads: you should be buying 10-year old cars

I would argue the figure argues for buying an 8 year old car and keeping it for 8 years. But there are many simplifications being made. Different cars have different depreciation curves. Buying a used car does have risk involved in whether the previous owner(s) took good care of the car. All else be...
by finite_difference
Mon Jul 03, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Suggesting to a parent to leave Edward Jones
Replies: 23
Views: 2399

Re: Suggesting to a parent to leave Edward Jones

If your Mom is really happy with the EJ advisor and he is doing a good job (despite being somewhat expensive) then I agree it's OK to leave it be. But if the advisor is ripping your Mom off then I think you should try to convince her to let you manage her portfolio or go with Vanguard PAS. I hate to...
by finite_difference
Sat Jul 01, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Am I on track, or just crazy...
Replies: 38
Views: 5697

Re: Am I on track, or just crazy...

What will be your net worth after liquidating in 2020? How much is a catamaran? I think you are crazy because your kids will be in high school. Personally high school was boring at times and it did suck quite a bit, but it was better than previous grades. There were some good teachers that made the ...
by finite_difference
Sat Jul 01, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 194
Views: 13037

Re: Buying house - Very important decision

Your realtor, coworkers, society at large, etc. are peer pressuring you to buy a McMansion. I think you could afford to buy a $535k house with such low property taxes but you will be "house poor". Here are a few comments: 1. You are worried about rents rising, but what if property taxes go...
by finite_difference
Fri Jun 30, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Please suggest a $6K-$8K car
Replies: 22
Views: 1842

Re: Please suggest a $6K-$8K car

Used Toyota Camry 2007 or later. Look for one as well cared for as possible. Stuff will always wear out or break but it will be relatively inexpensive for you to get fixed. Don't cheap out on tires.
by finite_difference
Sun Jun 25, 2017 10:14 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8448

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

In the old days, a milkman would drop off fresh milk at your house. Then the milkman disappeared and everyone had to buy milk at the grocery store. In the near future we will be able to have all our groceries dropped off at our house. We've come full circle.
by finite_difference
Sat Jun 24, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Anything wrong with 100% US Stocks?
Replies: 35
Views: 2644

Re: Anything wrong with 100% US Stocks?

lazyday wrote:If Bogle told you to jump off a cliff, would you do it?


I'd think about it.
by finite_difference
Fri Jun 23, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4960

Re: What is your car's average cost ownership?

Here's a pretty generic template for a Toyota or Honda. Car cost (including TTL) = -$30,000. Maintenance over 12 years: -$5,000. Sale price after 12 years: +$5,000. Total cost = $30,000. Monthly cost = $208/month. Does not include fuel or insurance. Fuel alone can be about $75/month or more, and ins...
by finite_difference
Thu Jun 22, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 6763

Re: Bogleheads: Please help me pick a new car

What about the Acura TLX w/ AWD?
by finite_difference
Sat Jun 17, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees considering early out - buyout?
Replies: 43
Views: 3896

Re: Federal employees considering early out - buyout?

What exactly are you getting from the buy out that you wouldn't have anyway?

Why do you need the HELOC? Just to have an open line of credit for emergencies?
by finite_difference
Mon Jun 12, 2017 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 5123

Re: Pay Mortgage vs. Buy Bonds

1. You shouldn't be 100% stocks. At least 25% bonds like Vanguard Total Bond. 2. Gold is not an investment, it's speculation. I wouldn't hold more than 5% gold. 3. I wouldn't pay off the mortgage with a 2.75% rate. That's insanely low. Also holding a mortgage is a good inflation hedge. If inflation ...
by finite_difference
Sat Jun 10, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Home heating oil capped price plan
Replies: 16
Views: 998

Re: Home heating oil capped price plan

How many gallons do you use per year? What was the price per gallon last year, and what is it now?

Will this contract obligate you to buy from them or can you switch to someone else? For example if they charge you $2.99 but someone else out there is charging $2.
by finite_difference
Sat Jun 10, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Is it worth it spending money to keep your house looking sharp?
Replies: 54
Views: 7238

Re: Is it worth it spending money to keep your house looking sharp?

I like to think of house costs in terms of: 1. PITI (principle, interest, taxes, insurance.) 2. Maintenance expenses (including everything to keep the house maintained well from a preventive care, safety, appearance standpoint, including HVAC through lawn care.) 3. Renovation costs (above and beyond...
by finite_difference
Wed Jun 07, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: Chicagoan, 98, donates Walgreen stock bought decades ago.
Replies: 20
Views: 3031

Re: Chicagoan, 98, donates Walgreen stock bought decades ago.

A couple observations: 1. Looks like he beat the stock market by about a factor of 3. $1000*1.10^70 is about $790k. Not sure if he reinvested dividends but I'm assuming he did. 2. $1000 dollars 70 years ago is worth about $11,000 today. So he made a fairly big bet. But Vanguard didn't exist 70 years...
by finite_difference
Tue Jun 06, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6365

Re: I'm considering buying a house in the $800k range.. can I?

Congratulations on an awesome career and your home ownership. This is the sort of post I was hoping for, but I'm just concerned that maybe I'm listening to these posts the most because that's what I want to believe, that it's an OK decision. I hope I'm not being too selective on what I read, there'...
by finite_difference
Mon Jun 05, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6365

Re: I'm considering buying a house in the $800k range.. can I?

Go for it. Put down 20%. Get a good interest rate. Make sure you and your spouse like the house and location though :) Short commutes are good.
by finite_difference
Fri Jun 02, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 18488

Re: KF's Worst Case Retirement Plan [KlangFool's]

Here's a worst case scenario. The day you retire at 54 with $1,000,000, the stock market crashes by 50% and takes 15 years to recover. Let's say it remains flat over 8 years, until you collect SS at 62. Since you are 60/40 you lose 30%, so you are down to $700,000. You need to withdraw $60k per year...
by finite_difference
Fri Jun 02, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2680

Re: Car engine dispute

Personally if I felt unfairly treated, I would as politely as possible try to escalate it from the dealer(s) to HQ to the CEO. If the response was insufficient, I would move on and not bother with small claims court. Generally speaking, I hate the practice of sueing. So at that point I would move on...
by finite_difference
Tue May 30, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5409

Re: Do I deserve it?

Deserve is less important than want. Want is less important than afford. You should be able to get a nice, brand new car for $30,000 out the door, by competing dealers and shopping around. Anything more than that and you are paying a premium for luxury, etc. Because of your savings, I think you can ...
by finite_difference
Mon May 29, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy brk.a? [Berkshire Hathaway Inc. Class A]
Replies: 24
Views: 3143

Re: How to buy brk.a?

I would much rather have 4,100 shares of VTSAX than 1 share of BRK.A.
by finite_difference
Sat May 27, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4417

Re: Mexican Pacific Beaches

I can vouch for the Fiesta Americano (I think that was the one, been a while) in PVR being nice with a great beach, and also the Pueblo Bonito Rose/Blanco in Cabos.

No jellyfish or sharks that I've ever seen.
by finite_difference
Sat May 27, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for help/ideas for my Father's retirement fund
Replies: 33
Views: 1301

Re: Asking for help/ideas for my Father's retirement fund

I would try to convince him to do 25% stocks (that low ER S&P 500 fund). The ~3% guaranteed annuity fund with an ER of 0.2% could be used for your bond allocation (75%). With 0% stocks your portfolio's chances of lasting are significantly impaired but if your father can live on SS+pension+(portf...
by finite_difference
Wed May 24, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3329

Re: Eliminating Single Positions and Moving to Index Fund

Don't let the tax tail wag the profit dog. The way I look upon it for those stocks with huge gains -- you played the lottery and won. Cash out your earnings while you can, pay the tax that's owed, and invest what you don't need in a safe (diversified and tax efficient manner) -- e.g. VTI/BND. Reduci...
by finite_difference
Wed May 24, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help My Dad Retire
Replies: 21
Views: 2275

Re: Help My Dad Retire

I would also think that if your Dad retires and your Mom's pay is about $45k/year and your Dad's pension is $5k/year that the total income of $50k/year would not be taxed as much especially if $8k is going toward 401k Trad contributions per year, and the $12,700 standard deduction leads to an AGI of...
by finite_difference
Wed May 24, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help My Dad Retire
Replies: 21
Views: 2275

Re: Help My Dad Retire

How are your parents health? If they are healthy, consider delaying SS. Expenses are $32k/year. Let's say your Dad takes the pension with 100% joint survivorship. That's $5k/year. Your Mom nets $20k/year. So the shortfall is $7k. If they withdraw 2% of their retirement portfolio, which is worth $275...
by finite_difference
Wed May 24, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 9547

Re: Net worth is overrated

Maybe thread should be called "Net worth is misunderstood." It's not cash flow. It's ALL assets and ALL liabilities. Period. :thumbsup :sharebeer I agree in theory but the devil is in the details. There's a bit of gray area in how you value assets and liabilities. For example, how do you ...
by finite_difference
Tue May 23, 2017 7:53 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 11360

Re: Zacks says sell Wellesley!?

Wellesley is 33% stock and 67% bond. And stock is outperforming bonds significantly this year. I have read many posts here and the consensus seems to be that Vanguard Wellington 67/33 and its sister fund, Vanguard Wellesley 33/67, are highly recommended funds on here, despite being actively managed...
by finite_difference
Tue May 23, 2017 7:35 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 11360

Re: Zacks says sell Wellesley!?

This year, it's made 3.5% so far and the year isn't even half up. [...] Looks good to me, and nothing grossly awful this year. What am I supposed to be seeing, livesoft? What would you compare it to? Wellesley is about 40% stocks and 60% bonds. YTD is about 3.5%. Another fund with 40/60 asset alloc...
by finite_difference
Sun May 21, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 5736

Re: Sell 2015 Subaru or Keep?

Nearly A Moose wrote:
mortfree wrote:Invest the $15k (or some of it) and keep the car.
.


+1
Plus, I love my 2015 Subaru Forester...


+1. Keep it for 10-15 years and take good care of it.

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