Search found 887 matches

by htdrag11
Mon Aug 14, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy on toddler
Replies: 19
Views: 1889

Re: Life insurance policy on toddler

The answer to OP's subject - NO!!!! :oops:
by htdrag11
Mon Aug 14, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 65
Views: 6291

Re: Retired Boglehead obsession with money- devil's advocate

After reading Daniel Kahneman's book on Thinking, Fast and Slow, the OP's right that we have nothing to worry about financially, other than poor health but that still can be managed to some extent by healthy habits such as exercise and eating "well". Good genes would also help. My portfolio is about...
by htdrag11
Sun Aug 13, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Securities in an Insecure World...Graham
Replies: 12
Views: 1302

Re: Securities in an Insecure World...Graham

TheNightsToCome wrote:
Fri Aug 11, 2017 8:28 pm
selftalk wrote:Buy and hold no matter what.
That hasn't worked so well since 1989 in Japan.
+1. We do need to look at our IPS annually and reassess our goals.
by htdrag11
Tue Aug 08, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 16207

Re: Life at crossroads. What would you do ?

I helped folks in transition to network as much as they can and leveraged LinkedIn. Do not pay for any premium services; they're not worth it. I also recommend folks to read or see the video on YouTube, Designing Your Life by Burnett and Evans. Book (borrow from library) https://smile.amazon.com/Des...
by htdrag11
Tue Aug 08, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 32
Views: 2446

Re: Buy Google Pixel mobile now or wait for Pixel 2

Pulled the trigger last night, upgrading from the Nexus 5 to the current Pixel on discount with the headset. Only need a 32gb model. It's coming Saturday. The two-year old one's battery is not as strong but it will be a hand-me-down afterward.
by htdrag11
Sat Aug 05, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 5584

Re: Anyone else have trouble spending?

Spending habits are often not related to income. These habits seem more related to emotions. I am quite frugal by nature, despite high income, despite the fact that I don't need to be frugal as our spend is about 15% of gross income, not counting taxes. What has helped me may help you. I used to qu...
by htdrag11
Thu Aug 03, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 44
Views: 6007

Re: Best "investment tip" I have gotten from Bogleheads

There were just too many investment tips I have gained from this forum to itemize, but keeping my taxable accounts as tax efficient as possible is one of many. Back to Instant Pot (IP), oak meal and Zoj. DW bought the IP on sale from Amazon last year and it has been a blessing, as much as Zoj and Vi...
by htdrag11
Sun Jul 30, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Lexus Rx 350 or 450
Replies: 3
Views: 809

Re: Lexus Rx 350 or 450

I got my RX350 during August of 2014. Deal was good but it has nothing to do with timing, I think. The car was on the lot for over 30 days; the dealer had about 30 of these around (end of lease gut?); color was common (dark grey metallic - my neighbor down the street has the identical model); car ha...
by htdrag11
Sun Jul 30, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Toyota Marketing Fund
Replies: 10
Views: 1033

Re: Toyota Marketing Fund

Must be a very hot selling Toyota in your part of the country. :confused

As perez99 stated, you want to negotiate the out-the-door price. Everything else is hot air.
by htdrag11
Sun Jul 30, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 37
Views: 5808

Re: NYT: Buy more takeout and hire a maid, study suggests

After having aggressively saved for retirement and then obtaining a wholly unexpected large windfall inheritance, my husband and I have come up with the following guideline for spending: yes if will it make our lives better or easier. For us this has meant 1) No new bigger house. Our house which is...
by htdrag11
Sat Jul 29, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11060

Re: Your "at peace" moments.

I do my Tai-chi 37 short forms based on Cheng Man Ching (you'll find a poor B&W YouTube version); it's an active way of doing meditation since I cannot do the lotus position. I learned it from this video since it shows the front and the back. You do need a trainer or mentor, the slower the bette...
by htdrag11
Thu Jul 27, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast
Replies: 26
Views: 2623

Re: Jack Bogle, Eugene Fama- New Freakonomics Radio Podcast

Thank you for posting the podcast. It's funny but sad, especially all the endowments and pension funds getting "ripped-off" by these highly paid FA's with less than stellar results. Tony Scaramucci's (former CNBC Fast Money panelist) view on fiduciary is a classic case of no industry could...
by htdrag11
Mon Jul 24, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2854
Views: 839737

Re: What Movie Have You Recently Watched?

A Hijacking was about a Danish cargo ship taken by Somali pirates. It's more dramatic, IMO, than Captain Phillips. It's tough to top Tom Hanks as an actor, but the script was mainstream Hollywood. There was no bravado here but just plain humanity and their trials and tribulations. The CEO of the Dan...
by htdrag11
Sat Jul 22, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: Do you find financial advisors to be all that bright?
Replies: 53
Views: 4897

Re: Do you find financial advisors to be all that bright?

As a lawyer a lot of bottom of the class students are making a ton of money now years after law school. A bunch of top of the class students have ended up working for Judges or the state or other intellectual pursuits. The top of the class students get good jobs initially but a lot of them are fail...
by htdrag11
Sat Jul 22, 2017 10:03 am
Forum: Investing - Theory, News & General
Topic: Do you find financial advisors to be all that bright?
Replies: 53
Views: 4897

Re: Do you find financial advisors to be all that bright?

I had worked with 4 of them since the 90's.

Most of them were focusing in investment advice, not wealth management.
by htdrag11
Thu Jul 13, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 10468

Re: % bogleheads of overall population

Some bogleheads cannot contribute that much. I can't. Agreed! Although this forum skews to high income earners, it is entirely possible to follow Boglehead principles on a moderate income. I make $38k per year. My husband recently got a raise to $22 per hour. I have mandatory pension contributions,...
by htdrag11
Thu Jul 13, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 10468

Re: % bogleheads of overall population

+1.

I thought that we're the 1%. :mrgreen:

According to the latest US News and World Report, most folks have about $100k in their savings/retirement account.

It's great to be different!
by htdrag11
Wed Jul 12, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 2953

Re: instant pot [Pressure cooker]

DW bought it last fall/winter and loves it since. I found it very easy to do the eggs, especially when it comes to peeling. Need to replace the inner plastic gasket after cooking curry several times due to discoloration. for about $10. The larger one was on sale yesterday during the Amazon Prime for...
by htdrag11
Tue Jul 11, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: Video showing how buying indexed universal life leaves you worse off versus investing in stocks & bonds.
Replies: 6
Views: 709

Re: Video showing how buying indexed universal life leaves you worse off versus investing in stocks & bonds.

Well, I do not know about this video. I found some of Dave Ramsey and Suze Orman's suggestions valid (Google YouTube) - neither of them believing in this product. Would not heed their other investment advice, but on this subject, they are correct. After fees, it's a fancy whole life policy all dress...
by htdrag11
Sat Jul 08, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriately handling a transfer to Vanguard
Replies: 16
Views: 966

Re: Appropriately handling a transfer to Vanguard

I just terminated my 11 years relationship with my FA. Since he did a good job managing my portfolio from 2006, I wrote a thank you note appreciating his work and informing that I'll be transferring to Vanguard. We ended the business in a professional manner. That was 2 weeks ago. I unwind and trimm...
by htdrag11
Tue Jul 04, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11304

Re: What do you splurge on?

DW did not know my used table tennis blade from eBay was about $200 since I stashed some of my sales money in PayPal, not tracked in our Quicken. :mrgreen:

The good news is the blade came with rubber on both sides. What a bargain! :moneybag
by htdrag11
Tue Jul 04, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2854
Views: 839737

Re: What Movie Have You Recently Watched?

Since Michael Nyqvist of the Girl with the Dragon Tattoo series just passed away, I dug up Europa Report about a team of rather unselfish astronauts' ordeal traveling and landing on one of the Saturn's moon. Really enjoyed a "real" sci-fi movie. Found it a lot more enjoyable than Alien: Co...
by htdrag11
Tue Jul 04, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: New compact hatchback or used small SUV?
Replies: 17
Views: 1884

Re: New compact hatchback or used small SUV?

Bought our daughter a 2014 Mazda3 hatchback last year for under your budget. If you do not need AWD or the height/visibility of a small Ute, then it has plenty of storage. Drives like zoom-zoom-zoom over any Toyota or Lexus (maybe not the IS due to its big engine). I've a RX350 that burnt 50% more g...
by htdrag11
Mon Jul 03, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: My Mother's SEP: Blackrock Basic Fund
Replies: 5
Views: 291

Re: My Mother's SEP: Blackrock Basic Fund

There is no need to call Merrill Lynch. My daughter just transferred her 401k from her former employer's company to U.S. Thrift Savings Plan without talking to the former. I myself also moved all MY TD Ameritrade investments to Vanguard by just calling Vanguard. It's quite painless and easy online t...
by htdrag11
Mon Jul 03, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: VPN for Fun
Replies: 15
Views: 2411

Re: VPN for Fun

I got PIA who discounts their services regularly earlier this year for $51/2 year. There is some traffic slow down but I'm not concern since my max DL is about 60 Mbps (down 40% now) while UL is normally 25 Mbps (down 30% now). Occasionally some of my website access had problem when I left it on. Un...
by htdrag11
Fri Jun 30, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on money gurus
Replies: 26
Views: 2690

Re: BH thoughts on money gurus

Off topic but I'm always searching YouTube for Warren Buffet, Charlie Munger and Jamie Dimon interviews I saw Buffet and Dimon's on YouTube and appreciated the latter's openness, regarding his view on the world market with a nonpartisan insight. He was quite level headed IMO. Here is one: m Disclai...
by htdrag11
Thu Jun 29, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 7523

Re: Time in the market is more important, But seriously ?

Hi As I have read Mr Bogles book, i am well aware of his quote " Time in the market is more important than timing the market" however, with almost every analyst predicting that we are at a peak and at all time highs, is the current market situation , an exception -- ? Meaning , I am about...
by htdrag11
Tue Jun 27, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Losing job, seeking advice
Replies: 16
Views: 2436

Re: Losing job, seeking advice

I volunteer to help folks "in transition" in finding work via networking, both face to face and social, e.g. LinkedIn, FaceBook or Twitter. Don't be shy tell his friends and family about his predicament. There is NO SHAME!. He needs to print up his own business cards so people could rememb...
by htdrag11
Mon Jun 26, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: "Heads I Win, Tails I Win -- A Gem
Replies: 12
Views: 2974

Re: "Heads I Win, Tails I Win -- A Gem

"Most investors, probably including you, should be tickled pink to earn an average return."

Leaving my ego at the door was a major step toward achieving average.

Thank you Taylor. :happy
by htdrag11
Sun Jun 25, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 1578

Re: Two potential job offers and buying time - please help!

Can you clarify in what way bridges were burned? Was it by turning down a previous offer from years earlier? I've never taken offense when a candidate shares that they are interviewing at another company. In tech, it's common and expected that candidates are interviewing for multiple companies at o...
by htdrag11
Sun Jun 25, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: A Bogleheads success story
Replies: 20
Views: 5484

Re: A Bogleheads success story

Good to hear.

The last 6 years have been good to most of us indexers. There will be bumps on the road. Stay on course will test your friend's mental toughness and discipline. Tuning out all the noises would be critical.

Thank you for sharing.
by htdrag11
Sun Jun 25, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 1578

Re: Two potential job offers and buying time - please help!

It's valuable to keep it simple. Explain that you are actively interviewing with another company and that you will not have a response until it completes. You can also ask Company 2 whether they can move the interview up because you've received an offer with another company. Don't go into detail re...
by htdrag11
Sun Jun 25, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: Robots Are Eating Money Managers’ Lunch
Replies: 23
Views: 3696

Robots Are Eating Money Managers’ Lunch

"BOTTOM LINE - Quantitative strategies and index funds are replacing a lot of human investment judgment, and many of today’s well-paid traders may not survive the shift."

https://www.bloomberg.com/news/articles ... gers-lunch
by htdrag11
Sat Jun 24, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation - Is this request common?
Replies: 9
Views: 1688

Re: Salary Negotiation - Is this request common?

Some states like NY and MA ban employers to ask about your current salary. Don't ever tell them that. Just say something like I believe that your company treats their employees fairly, so I expect a fair salary. Don't you agree? First one opens the mouth lose. Like others, "employed at will&quo...
by htdrag11
Sat Jun 24, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 768

Re: Evaluating Asphalt Driveway Sealing Bid

Several observations. 1. It depends on the area and neighborhood. I'm in central Jersey, kind of a high rent district. My 1,700 sq ft driveway was re-paved couple of years ago, so it was in great condition without cracks. 2. We've been using the same reputable outfit for over 10 years. Price was $28...
by htdrag11
Fri Jun 23, 2017 10:15 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2611

Re: Anyone have a habit of checking the market all day?

I get my morning dose of Bloomberg financial news in the weekdays for about 15 minutes. Watch NBR produced by CNBC on PBS in the evening for about 25 minutes. Update my portfolio every quarter. Rebalance annually.

It's getting boring. Ignore the noise.
by htdrag11
Fri Jun 23, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Good Article on Bubbles and Staying the Course
Replies: 27
Views: 3309

Re: Good Article on Bubbles and Staying the Course

Thanks. Good read.

It's another reason why I reduced my risk profile since retiring. Why take unnecessary chances when I have "won the game"? Rest easy.
by htdrag11
Fri Jun 23, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3447

Re: Christine Benz: "How to Make the Most of Your 401(k)"

I was fortunate to be discipline and believed in pay yourself 1st. Our daughter also picks up this habit and has 3 401ks/TSP with 3 different employers. She also has Roth 401k.

In my volunteering work, some folks do not have the means to do that, especially if they are in the service industries.
by htdrag11
Fri Jun 23, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 4195

Re: New cars w/ no CD player -- what can I do with my CDs?

I rip my CDs, upload to Google Play Music, then stream via Bluetooth to my car audio without any cable. I also have 10Gb worth of data monthly on my smartphone which is plugged to a USB charger. However, with this kind of setup, my Waze or Google Map will take over whenever there is directional chan...
by htdrag11
Fri Jun 23, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 6971

Re: Bogleheads: Please help me pick a new car

I know of a situation. Someone gave his daughter a Mercedes and she didn't like showing off like that and wanted a lesser car. I would consider the Subaru because the son is involved. I like the Subaru but I feel that the Lexus might be more reliable. If I can choose between a CPO Lexus RX (30,000 ...
by htdrag11
Fri Jun 23, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"
Replies: 25
Views: 3972

Re: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"

I agree. I had a long discussion with my company's treasurer about moving the pension funds to index funds. In the end, his counter argument came down to worrying that it would appear like nothing was being done. +1. When things are moving like a well oiled machines, how is the treasurer or advisor...
by htdrag11
Wed Jun 21, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 2094

Re: Used cars in high demand

I get it from Lexus and Toyota dealers monthly since I bought a Lexus but took it to Toyota for service. Previously I had a Mazda and still getting that too, but maybe quarterly. Obviously my Lexus must be in high demand (lost half of the value, if they would honor that price at all on a trade; the ...
by htdrag11
Wed Jun 21, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: fed employees & all the eggs in the TSP basket
Replies: 22
Views: 2325

Re: fed employees & all the eggs in the TSP basket

OP,

You are a very lucky person to have TSP as your vehicle. I think that it's even cheaper than Vanguard.
GL.
by htdrag11
Sun Jun 18, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13718

Re: Anyone else gotten totally bored with investing?

Yes, it's getting boring which is a good thing.

I still get my 15-minute fix every weekday morning to watch the headline news from Bloomberg (too cheap to pay for CNBC :mrgreen: ).

I do track my portfolio quarterly this year, reducing from monthly in 2016.

Life is good. :beer
by htdrag11
Sun Jun 18, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3343

Re: BMW X5 2017 - Seeking advice

This is a good video comparing the BMW X1, Audi Q3, MB GLA, Lexus NX-T and the Mazda CX-5.

https://www.youtube.com/watch?v=dLEZuUs9M8A

You could skip to the 21 minute mark to hear their views about "premium" brands vs. lowly Mazda.
by htdrag11
Sun Jun 18, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: BMW X5 2017 - Seeking advice
Replies: 40
Views: 3343

Re: BMW X5 2017 - Seeking advice

We got on the waiting list for the 1st gen X5 3.0; it was either 2000 or 2001 model since the larger engine came out 1st. Being a 1st year car, we expected problems. There were all covered under warranty. The straw that broke the camel's back was when the 1st repair/maintenance occurred. Took it to ...
by htdrag11
Wed Jun 14, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Those pesky account closing fees
Replies: 14
Views: 1509

Re: Those pesky account closing fees

We paid $40 to close TD account. Guess it is considered low.
by htdrag11
Wed Jun 14, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Deck replacement- Composite material recommendations
Replies: 22
Views: 2172

Re: Deck replacement- Composite material recommendations

We have Trex for close to 20 years done by professionals, not the one from HomeDepot (a lower grade). It is also cooler to walk on, than pressure treated.
by htdrag11
Wed Jun 14, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 5379

Re: Larry Swedroe: Stocks, Bonds, & Risk

Timely article. I'm also highly leveraged. Last year my tax bracket had crept up, so I'm in the process of both rebalancing and reduced my tax inefficient funds to more efficient ones in my cash account. DW was right in punching her husband. We don't need any more since we have already won the game ...
by htdrag11
Mon Jun 12, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5633

Re: Favorite Feature of Vanguard Website?

I like that the statements not complicated and can be understood easily. My father's trust account is with Merrill Lynch(not my choice)and is so complicated no one could tell if it made money or how much. My BIL has his 401k with ML. For comparison, I found TD is better, then Vanguard, then ML whic...