Search found 1685 matches

by hoops777
Mon Aug 21, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 15
Views: 1488

Re: Mike Piper and CDs

This argument will go on until we are firmly in a better rate environment. In this low rate environment, you're going to have an easier argument picking individual fixed income vehicles over funds in some situation. In a normal rate environment, the funds are going to be a stronger contender becaus...
by hoops777
Mon Aug 21, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 73
Views: 6154

Re: IBonds: My worst bond investment over the last 5 years

The $5,000 iBonds I purchased in 2011 are paying 2.76%, and are now worth $5,548 each. The iBonds I purchased in 2012 are paying 1.96%, and are worth $5,390 each. Currently, I have 5-year CDs paying more than either of these, but they aren't inflation adjusted. However, the $5,000 iBonds purchased ...
by hoops777
Mon Aug 21, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 73
Views: 6154

Re: IBonds: My worst bond investment over the last 5 years

Our best bond investment was an ibond......bought in 2001 and currently yielding 5.8.That 30,000 investment is now worth about 67,500 and should do very well the next 14 years until maturity.
Our worst bond investment return wise was the Ibonds we bought the last 5 years :D
by hoops777
Mon Aug 21, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 15
Views: 1488

Mike Piper and CDs

Piper says if he had to make one change in his retirement portfolio it would be to sell his bond funds and switch to CDs.

[I removed a number of posts which were about an error in the OP's attribution, which has been corrected - moderator prudent]
by hoops777
Sun Aug 20, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

The U.S. has the most stable government in the world, a strong rule of law including property rights and contract protections, a risk-taking entrepreneurial culture, and a regulatory system that puts a comparatively less heavy boot on the neck of economic animal spirits here. Bigness helps too, and...
by hoops777
Sat Aug 19, 2017 10:11 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

The huge advantage the US enjoys with its geographic location,amount of rivers and lakes,etc.is well documented.The people of course have to take advantage of it,which we have.No country on earth has the geographical,natural resource and agricultural benefits we enjoy.That will not be changing. Wow...
by hoops777
Sat Aug 19, 2017 10:11 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

The huge advantage the US enjoys with its geographic location,amount of rivers and lakes,etc.is well documented.The people of course have to take advantage of it,which we have.No country on earth has the geographical,natural resource and agricultural benefits we enjoy.That will not be changing. Wow...
by hoops777
Sat Aug 19, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

The huge advantage the US enjoys with its geographic location,amount of rivers and lakes,etc.is well documented.The people of course have to take advantage of it,which we have.No country on earth has the geographical,natural resource and agricultural benefits we enjoy.That will not be changing.
by hoops777
Sat Aug 19, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

I would bet the US will still be the major world power.We are so blessed with our location and natural resources,it creates a huge advantage.
As far as the financial markets are concerned,I have little faith in any predictions made by anyone.
by hoops777
Sat Aug 19, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

To be honest,what happened 100 years ago or even 50 years ago financially is not all that meaningful to the world we live in now,especially as any predictive tool. And there is a very good chance that the world of 2067 will not be a whole lot like 2017. And we have no clue today as to how it will b...
by hoops777
Sat Aug 19, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

To be honest,what happened 100 years ago or even 50 years ago financially is not all that meaningful to the world we live in now,especially as any predictive tool. And there is a very good chance that the world of 2067 will not be a whole lot like 2017. And we have no clue today as to how it will b...
by hoops777
Sat Aug 19, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

Thanks.I looked it up online and it seems to be unchanged.
by hoops777
Sat Aug 19, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

I've found this thread very helpful because I'm planning a week trip in early September and haven't had much chance to do a lot of planning. I have three nights booked at Bar Harbor, primarily to see Acadia, but the rest of the trip is open. I'm driving from around NYC, so it sounds like either Por...
by hoops777
Fri Aug 18, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: RMD taxation taken in December
Replies: 12
Views: 1019

Re: RMD taxation taken in December

I rarely get anything right :D
by hoops777
Fri Aug 18, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: RMD taxation taken in December
Replies: 12
Views: 1019

Re: RMD taxation taken in December

Thanks Taylor.
by hoops777
Fri Aug 18, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: RMD taxation taken in December
Replies: 12
Views: 1019

RMD taxation taken in December

A little confused by several different articles.Am I correct in saying that you avoid having to pay est.quarterly taxes if you take your entire RMD in December and it is greater than all the tax you owe? Example one-RMD is 30,000 combined for married couple.Total taxes owed from RMD's,SS,and any oth...
by hoops777
Fri Aug 18, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Percent of retirement expenses from fixed sources?
Replies: 16
Views: 1060

Re: Percent of retirement expenses from fixed sources?

For all you in your 30's predicting your retirements,just keep in mind that life does not always cooperate.Things happen that you would never expect.So save as much as you can,but to start putting in SS numbers and saying what your expenses will be in 20 to 30 years is maybe more hope than reality :...
by hoops777
Fri Aug 18, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Percent of retirement expenses from fixed sources?
Replies: 16
Views: 1060

Re: Percent of retirement income from fixed sources?

Usually people planning for retirement with SS and pensions do not have daycare on the list like it is current or very recent. I'm many years from retirement. (Probably 17? Maybe 22?). However, I don't see a rule that says someone 17 or 22 years from retirement can't do some retirement planning.......
by hoops777
Fri Aug 18, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

To be honest,what happened 100 years ago or even 50 years ago financially is not all that meaningful to the world we live in now,especially as any predictive tool. How do you know that? I believe the financial systems are maybe just a bit different.Investment products are maybe just a wee bit diffe...
by hoops777
Thu Aug 17, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to compensate realtor if sold by owner?
Replies: 7
Views: 1162

Re: How to compensate realtor if sold by owner?

Reimburse their expenses and give them a few bucks for their time or a gift card.
by hoops777
Thu Aug 17, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Percent of retirement expenses from fixed sources?
Replies: 16
Views: 1060

Re: Percent of retirement income from fixed sources?

Usually people planning for retirement with SS and pensions do not have daycare on the list like it is current or very recent.
by hoops777
Thu Aug 17, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 77
Views: 7660

Re: Study: The Rate of Return on Everything, 1870-2015

To be honest,what happened 100 years ago or even 50 years ago financially is not all that meaningful to the world we live in now,especially as any predictive tool.
by hoops777
Mon Aug 14, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

So everything is booked!
3 nights Boston...no car...
Rent car
Night 4...Portsmouth
Night 5...Portland
Night 6...Rockport
Night 7,8 and 9....Bar Harbor
Night 10..N.Conway
Night 11 Manchester by airport.
Thanks for all of the wonderful suggestions!
by hoops777
Sat Aug 12, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 53
Views: 2591

Re: Oregon road trip help

Thanks for all of the help. I have settled on the following for better or for worse :D As soon as we get off the plane and get our rental car on Friday at about 1,we are driving towards Eugene and will stay there Friday,hopefully missing most traffic. Saturday a.m. we head to Florence and stay overn...
by hoops777
Fri Aug 11, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

My wife and I are thinking of flying into Boston and driving up the coast to Maine,not sure how far up we will go.I would appreciate suggestions and also is there an inland route returning to Boston to see something different.We will be going around beginning of October for about 10 days.Catching t...
by hoops777
Fri Aug 11, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 53
Views: 2591

Re: Oregon road trip help

We went there a few years back and did a big loop - we spent a couple of days in Portland (lots to do there) - and after a few days (in the Portland riverfront Marriott - walking distance to a few good restaurants) we drove West until we hit the water and then made our way down the coast along 101....
by hoops777
Fri Aug 11, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

Not that it matters to anyone but I really screwed up with the points saying it was 180,000 to 200,000 more for the three nights.It is 60 to 80,000 more points for the 3 nights if we stay downtown area.Still a good amount but more reasonable.Any Marriott points people now know I am not crazy :D
by hoops777
Fri Aug 11, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

Still looking for an answer about the weekend traffic situation going in and out of Boston? I haven't lived in the metro Boston area for quite awhile, so you may want to rely on others. But given that Danvers is near the coast, on a holiday weekend, I wouldn't count on the traffic being light, part...
by hoops777
Thu Aug 10, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

I picked Danvers because it has a nice but inexpensive Marriott,half the points and of course free parking.It says about 15 miles from Boston,but it is also close to Salem and the coast.The only thing we will do in Danvers is sleep and eat our free breakfast :D Still looking for an answer about the ...
by hoops777
Thu Aug 10, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

So any suggestions would be appreciated.Rough draft as of now. 3 nights outside Boston in Danvers...do not want to stay in city center. 1 night Portsmouth 1 night Portland ??? 3 nights Bar Harbor or 2 nights and stay 1 night between Portland and BH 1 night Bangor 1 night North Conway 1 night Manche...
by hoops777
Thu Aug 10, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 53
Views: 2591

Re: Oregon road trip help

Thanks for all the suggestions. Here is what I know. 1-We are going to drive 60 miles to Hood River and back to Portland for one day. 2-We are going to drive the coast from Florence to Seaside and will be going through Salem and Eugene.Since we will be probably doing this on the weekend not sure if...
by hoops777
Thu Aug 10, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 53
Views: 2591

Re: Oregon road trip help

Thanks for all the suggestions. Here is what I know. 1-We are going to drive 60 miles to Hood River and back to Portland for one day. 2-We are going to drive the coast from Florence to Seaside and will be going through Salem and Eugene.Since we will be probably doing this on the weekend not sure if ...
by hoops777
Wed Aug 09, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

Yes we are from California.So much great info and suggestions I am overwhelmed :D Bogleheads puts TripAdvisor to shame! I was looking around yesterday and I saw some site that listed all the nice coastal towns from Boston up through Maine and every single one was recommended to me here.The great thi...
by hoops777
Wed Aug 09, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 53
Views: 2591

Re: Oregon road trip help

Is the Oregon State Fair worth going to? Should we go from Salem to Lincoln City and up the coast back to Portland or drive down to Eugene to Florence back up to Portland? Also we are arriving Friday about 1 so I do not know which we should do first based on weekend traffic.I am assuming more traffi...
by hoops777
Wed Aug 09, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 53
Views: 2591

Re: Oregon road trip help

Thanks for all the suggestions.
Crater Lake is too far and will be another trip.
I just started researching and I thought the gorge was at Dalles for some reason.
Sounds like we should stay one night somewhere along the coast.
by hoops777
Wed Aug 09, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 53
Views: 2591

Oregon road trip help

Just got a lot of great help on a trip to Maine and hoping for the same good advice for Oregon. Basic idea but open to suggestions that would drastically change the plan :D Flying in to Portland on Friday 8/25 at 12:30 and leaving Wednesday 8/30 at 3:00. Basic idea is to drive to Salem and spend hal...
by hoops777
Wed Aug 09, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

We mostly like to walk around the towns.Not so much into art.We take a lot of pictures and are pretty low key.We are more into browsing than staying at a historic site and spending a lot of time reading about the history in detail.We want to see as much as we can but do not necessarily care about th...
by hoops777
Tue Aug 08, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

So any suggestions would be appreciated.Rough draft as of now. 3 nights outside Boston in Danvers...do not want to stay in city center. 1 night Portsmouth 1 night Portland ??? 3 nights Bar Harbor or 2 nights and stay 1 night between Portland and BH 1 night Bangor 1 night North Conway 1 night Manches...
by hoops777
Tue Aug 08, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

Great recommendations!Now to figure it all out :happy Thanks and still open to any others.
by hoops777
Mon Aug 07, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

Thanks slapshot.Once we leave Bangor taking the route you suggested,how much time to get to Manchester?Shoukd we stay somewhere overnight or just drive all day with some stops?
by hoops777
Mon Aug 07, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

Ok.An update.Flight wise and rental care wise,our cheapest option along with flight times is to fly into Boston and fly home from Manchester.Saves almost 200 bucks on the rental car for some odd reason and the flights are better.Seems reasonable from a start and end point?
by hoops777
Mon Aug 07, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

The problem with these road trips is always returning the rental car at the same location.Sometimes you get lucky on excessive fees also depending on location of airports,you avoid having to get back to the starting point.We have now decided to fly from Calif on Oct 6 and fly back on the 16th.
by hoops777
Mon Aug 07, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Re: Boston to Maine road trip

We mainly just visit the towns,look for good food and enjoy the scenery.We did a trip about 5 years ago where we made a circle from Boston up to Vermont to New Hampshire to Portland and back to Boston.This time we would like to go up the coast and drive back more inland so we do not see the same thi...
by hoops777
Mon Aug 07, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3727

Boston to Maine road trip

My wife and I are thinking of flying into Boston and driving up the coast to Maine,not sure how far up we will go.I would appreciate suggestions and also is there an inland route returning to Boston to see something different.We will be going around beginning of October for about 10 days.Catching th...
by hoops777
Sun Aug 06, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2229

Re: Townhome or condo?

I know many people love CA. However, for comparison, a nice ten-year-old, 2000 sq. ft. 3BR, 2.5 Bath cluster home recently sold in my area for $270,000. The monthly fee is $140, and the schools are very good. It is located in a nice convenient suburb. If you choose a HCOLA, you pay the price. You m...
by hoops777
Sat Aug 05, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2229

Re: Townhome or condo?

You should be seeking out a very experienced realtor that is a true expert in said communities.Impossible for anyone on this forum to give a real answer.It all comes down to an unknown future resale value if you really are going to sell in 6 years. The other option is to be honest with yourself and ...
by hoops777
Wed Aug 02, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8744

Re: How to calculate your retirement number

the 25x expenses should be in less volatile accounts such as CDs and bonds correct? For example, I'm 100% equity allocation and the market double and triples in a few years, and now have 25x expenses it would not warrant retirement because if something double or triples in value quickly it can also...
by hoops777
Wed Aug 02, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Using RMDS to fund expenses 100 pct
Replies: 3
Views: 473

Using RMDS to fund expenses 100 pct

I have seen this discusssed some,but if you are in that sweet spot,it seems such a simple way to fund your retirement.Transfer your RMD to your checking every year,pay your taxes,use for expenses and carry over any extra.Anytime you have too much in your checking reinvest it back in your brokerage o...
by hoops777
Wed Aug 02, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8744

Re: How to calculate your retirement number

the 25x expenses should be in less volatile accounts such as CDs and bonds correct? For example, I'm 100% equity allocation and the market double and triples in a few years, and now have 25x expenses it would not warrant retirement because if something double or triples in value quickly it can also...
by hoops777
Tue Aug 01, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8744

Re: How to calculate your retirement number

Question from a noob...what does the retirement number consist of? Is it my net worth, inclusive of primary home value? Or just investments? Ideally it is is supposed to be just your liquid investments/portfolio. But in reality if you are, for example, an 85 year old living in a paid off 1 million ...