Search found 121 matches

by indexaway
Sun Jun 18, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1121

Office Chair

I spend a lot of time sitting at my desk and am in the market for a very nice, comfortable, ergonomic office chair that won't slowly destroy my neck/back. I'd rather not spent $1000+ on a Herman Miller or Steelcase, etc; but am willing to do so if there are no decent affordable alternatives. What do...
by indexaway
Sun Apr 09, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 1788

Re: Extended CAR Warranty

I also recently purchased a 2017 Mazda CX-9 and we declined the extended warranty. If I did not think it was a reliable car in the first place, I would not have purchased the car. BTW, my wife loves it and not a single problem so far. Thanks. I am also really enjoying the car. Look forward to going...
by indexaway
Sat Apr 08, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 1788

Re: Extended CAR Warranty

This thread is now in the Personal Consumer Issues forum (warranty). HOWEVER, the salesman said "things have changed" since there is a lot more electronics/computers in the car (infotainmens, bluetooth, dynamic cruise, head-up display, read camera, etc etc etc..actually a very technology-...
by indexaway
Sat Apr 08, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 1788

Re: Extended CAR Warranty

Thanks everyone. An auto-repair would not be a catastrophic financial event. Especially given that I can always buy an extend warranty later if we decided to keep it for a long time, I will defer the dealership offer for now.

Much appreciated.

Cheers!
by indexaway
Sat Apr 08, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 1788

Extended CAR Warranty

Hi all, I just splurged and bought the 2017 Mazda CX9. As expected, I am confronted with the dilemma of whether or not to buy an extended warranty. WHAT DO I DO? Standard Warranty: 3 years / 36,000 mi Extended Warranty: 9 years / 100,000 mi = $2300 extra on top of a $45,000 car. My family hasn't ben...
by indexaway
Mon Mar 13, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds with Increasing Interest Rates
Replies: 4
Views: 401

Bond Funds with Increasing Interest Rates

Hi all,

Should I decrease my long and intermediate term bond exposure given the likelihood of rising interest rates?

Thanks!
by indexaway
Sat Feb 11, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Safe Haven for short-term funds
Replies: 4
Views: 712

Re: Safe Haven for short-term funds

Thanks for your thoughts. I will probably go with a.
by indexaway
Tue Feb 07, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Safe Haven for short-term funds
Replies: 4
Views: 712

Safe Haven for short-term funds

Hi all,

I've got about $55K from a recent sale which I plan to use towards a house purchase within the next year. Where would you park this?

a) Ally (or similar) account at 1% interest?
b) Short term bond fund?
c) Short-term TIPS?
d) Other?

Thanks!
by indexaway
Tue Jan 17, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Subaru + Mazda
Replies: 44
Views: 4590

Re: Subaru + Mazda

sport wrote:What part of Ohio are you moving to? Some areas get a lot more snow than others. Feel free to send me a PM if you do not wish to discuss this publicly.


Near Cleveland.
by indexaway
Tue Jan 17, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Subaru + Mazda
Replies: 44
Views: 4590

Re: Subaru + Mazda

dbr wrote:I think the CX-9 and the Outback are in somewhat different size categories aren't they, the Outback being smaller?


We wold be getting both, not either.
by indexaway
Tue Jan 17, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Subaru + Mazda
Replies: 44
Views: 4590

Re: Subaru + Mazda

If I could ask, what state that has more snow are you moving to. In any New England state, you'll see 10 Subarus just like yours in a 5 mile commute. (I commute 5.2 miles each way and see dozens of Subarus). Ohio from California. Makes sense for Subarus to be more popular in the northeast/midwest.
by indexaway
Tue Jan 17, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Subaru + Mazda
Replies: 44
Views: 4590

Subaru + Mazda

Hi Everyone, My wife and I are ready to upgrade our 10+ year old cars. We have a baby on the way and will be moving to a place with a lot more snow than we're used to. Priorities are: space, reliability, safety, comfort, fun drive, and importantly, confidence in snowy/icy weather. Also want to trave...
by indexaway
Thu Nov 24, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing in 401k
Replies: 13
Views: 1667

Re: Cashing in 401k

To elaborate on my question: Is there any way to spread out the tax on the 401K withdrawal or is it all taxed the same year in which it was withdrawn?
by indexaway
Thu Nov 24, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing in 401k
Replies: 13
Views: 1667

Cashing in 401k

Posing question for a family member: Scenario: - He is leaving his current employer to start his own business. Current federal income tax up is to 33%. He has approx $750,000 in his 401K. - His loan for the new business is ~$1.5M with 4.75% interest. - As he is leaving his current employer, given th...
by indexaway
Mon May 02, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: 5-yr House-buying fund
Replies: 2
Views: 757

5-yr House-buying fund

I currently have 5 separate Vanguard accounts (His Roth, His 403b, Her Roth, Her 403b, taxable) across which I've invested for a 30+ year time horizon as a single overall portfolio. NOW: I will soon have an influx of ~56k. I'd like to use this to buy a home in 4-6 years. We're fortunately in a very ...
by indexaway
Sun May 01, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9904

Re: How to Bogleheads TRAVEL?

I reflected on my 2009 trip to Canada and how relaxed it was. I had on my agenda some things I wanted to see but all I had planned where the flights and the hotels. I didn't even plan transfers to my hotel, I just took taxis as the train stations were fairly close to my hotels. Didn't buy currency ...
by indexaway
Sun May 01, 2016 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Individual, then Spousal Claim?
Replies: 6
Views: 802

Re: Social Security Individual, then Spousal Claim?

I am 66 and my wife will turn 66 in July. I plan to retire in April of next year. Given our respective work histories, half of my SS benefit, which I plan to take next year, will be more than her full benefit. Would it be advantageous for her to take her full benefit when she hits 66 and then take ...
by indexaway
Sun May 01, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9904

Re: How to Bogleheads TRAVEL?

AFAIC the deal of a lifetime is smartours.com two weeks in Thailand. It's a great trip, very inexpensive for what you get. Terrific food, super friendly and polite people, great sites and terrific guides. Start there and see how the bug hits. midareff: thank you for sharing! My parents did the Viki...
by indexaway
Sun May 01, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9904

Re: How to Bogleheads TRAVEL?

This is an excellent thread! indexaway thanks for starting it and nedsaid many thanks for your thorough and thoughtful response. I have traveled minimally throughout my life and consider myself to be the newest of the travel newbies. Now the plan is to travel yearly, domestically and internationall...
by indexaway
Sun May 01, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is this possible? [Reinvesting retirement account withdrawal funds]
Replies: 16
Views: 1636

Re: Is this possible?

Thanks for your response. So does that mean tax free muni bonds are taxable in 401k but not in other accounts. In which accounts are they tax free? My understanding: any return/income from muni bonds are exempt from federal income tax (and when they come from your state of residence, they're also e...
by indexaway
Sun May 01, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9904

How do Bogleheads TRAVEL?

Bogleheads: In this noisy world of headline news, commentators, brokers, experts, advisors, expert advisors, pamphlets, editorials, hedge funds, futures, market neutral funds, shorting, annuities, managers of the year, and the like, I've found incredible solace in the well-informed, and sage princip...
by indexaway
Fri Apr 29, 2016 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: I left my financial advisor yesterday.
Replies: 21
Views: 2169

Re: I left my financial advisor yesterday.

I paid them $5,000 in mgmt fees over the past 2.5 years. It finally dawned on me that this was unacceptable. I'm in process of moving my accounts to Vanguard. Wish me luck on my solo voyage. Thanks to everyone for your thoughtful feedback as I planned this transition! Out of curiosity what kinds of...
by indexaway
Fri Apr 29, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: I left my financial advisor yesterday.
Replies: 21
Views: 2169

Re: I left my financial advisor yesterday.

Congratulations! I did the same for my parents after they paid tyrannical fees for years. :sharebeer
by indexaway
Fri Apr 29, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets?
Replies: 15
Views: 1757

Re: Emerging Markets?

A couple of points. When holding particularly volatile asset classes (e.g., small value, emerging markets) I believe it is imperative to have tax-loss partners at the ready and make the jump from one to the other immediately or ASAP. If one is not prepared to do that then it is a mistake in process...
by indexaway
Fri Apr 29, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones [moving from, and investment help]
Replies: 6
Views: 1030

Re: Edward Jones [moving from, and investment help]

DITTO!!! I recently helped my parents get out of Edward Jones. They are relatively clueless in terms of investing and basically gave their "vey nice" "advisor" free reign over their retirement assets. I reviewed it all with them 2 months ago and was absolutely disgusted (emphasis...
by indexaway
Fri Apr 29, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Well Done Ally Bank - CD purchase
Replies: 54
Views: 9885

Re: Well Done Ally Bank - CD purchase

Nice thread. I've been thinking about opening a savings account with Ally and a CD with Synchrony. Does anyone have qualms about the latter?
by indexaway
Fri Apr 29, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 2348

Re: Help with Long-term Allocation

Indexaway, just to add a bit of perspective, you have an aggressive portfolio of 80% stock, plus the high-yield will also act like a stock fund in a downturn. You also have a strong tilt to small cap and you've included REITs. What this means is you will get lots of tracking error plus a potential ...
by indexaway
Thu Apr 28, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 2348

Re: Help with Long-term Allocation

I'm not sure I have the stomach to withstand a 30% drop, but can only hope that I will stick to the plan in a real world market crash. I'm a little late to this discussion, but this really stood out to me. Remember that the market overall has dropped ~50%, twice in the last 20 years. It appears you...
by indexaway
Fri Apr 22, 2016 4:38 am
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 2049

Re: CD help!

Daryl wrote:
indexaway wrote:Thanks for sharing your experiences.

Any experience with AloStar (1.05% 6-month CD) or California First National Bank (1% 6-month CD)?

Given the available choices, I decided to put some additional money in a high yield savings account (pays similar rates).



With which bank?
by indexaway
Thu Apr 21, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 2049

Re: CD help!

If you don't have comments on these specific banks, it would be equally great if you share personal experiences about other banks with which you've had high yield savings accounts and/or CDs.

...hoping to make my mind with the next week.

Thanks in advance!
by indexaway
Thu Apr 21, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 2049

Re: CD help!

Thanks for sharing your experiences.

Any experience with AloStar (1.05% 6-month CD) or California First National Bank (1% 6-month CD)?
by indexaway
Thu Apr 21, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 2049

Re: CD help!

Plan is to:

1) $100,000 in a high-yield savings account. Synchrony @ 1.05% vs Ally @ 1%.

2) $100,000 in 2-yr CD with Synchrony @ 1.45% or iGobanking @ 1.55%.

3) Start buying $10,000 per year in I-bonds.


Thoughts on this? How to improve on this?
by indexaway
Thu Apr 21, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 2049

Re: CD help!

Also curious about: iGobanking
by indexaway
Thu Apr 21, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 14344

Re: Better than amazon??

Fieldsy1024 wrote:3 at a time for 9 bucks/month......


Ahhh, those days...
by indexaway
Thu Apr 21, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 2049

Re: CD help!

Does anyone have experience with CDs at the following banks:

- Synchrony
- Ally
- Nationwide
- AloStar Bank of Commerce
by indexaway
Tue Apr 19, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling with Bogle Philosophy
Replies: 18
Views: 2777

Re: Past Performance -- What experts say

Fortfun: Welcome to the Bogleheads Forum where our philosophy is based academic research and Jack Bogle's wisdom. Many of us have learned the hard way that selecting funds based on their past performance is one of the biggest mistakes investors make. These experts explain: American Association of I...
by indexaway
Tue Apr 19, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 2348

Re: Help with Long-term Allocation

I've used portfoliovisualizer before and really like it! Let's say portfolio A is what I've suggested above. Portfolio B is the same without the riskier funds (small value absorbed into total us, emerging absorbed into total international, and high yield absorbed into total bond. Portfolio C is B w...
by indexaway
Tue Apr 19, 2016 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 2348

Re: Help with Long-term Allocation

That is a good perspective to consider. My thinking had been that since I expect stable and fruitful future income, I could afford to have a more aggressive portfolio with a bumpier ride. But yes, this is more theoretical since I haven't yet had to ride a bear market. I will consider this. Thanks! ...
by indexaway
Tue Apr 19, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 2348

Re: Help with Long-term Allocation

Fellow Bogleheads, I wanted your take on the combined retirement portfolio for myself and my wife. At age 28, we are at the beginning of the accumulation phase with a time horizon of ~35 years. We can accept some volatility in hopes for greater returns. My basic strategy is as follows: .... Some ad...
by indexaway
Tue Apr 19, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: Why not buy a DIVIDEND stock?
Replies: 36
Views: 4390

Re: Why not buy a DIVIDEND stock?

Very fundamental question: where do "dividend" companies stand on the spectrum of "Value" and "Growth" companies?
by indexaway
Tue Apr 19, 2016 1:24 pm
Forum: Investing - Theory, News & General
Topic: Why not buy a DIVIDEND stock?
Replies: 36
Views: 4390

Re: Why not buy a DIVIDEND stock?

Hmm. So it seems that focusing on dividend has questionable merits but may make sense for some income-driven individuals. I think many would agree that owning individual shares of a limited number of companies is probably too risky (at least for my appetite). So maybe something like a high-dividend ...
by indexaway
Tue Apr 19, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 2348

Re: Help with Long-term Allocation

Do you not have access to the ETF (VWO)? Or just the Vanguard MFs? VWO is 0.15% with no min. But if all you can get is the MF Investor class for now AND you want EM exposure, go for it. 0.33 bps for a couple years is not a bad price to pay for the extra diversification imo (FD: I hold EM and EM val...
by indexaway
Tue Apr 19, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 2348

Re: Help with Long-term Allocation

I'm okay with your proposed AA at your age. In part because of your age I would also agree with a small value tilt. I'm not a fan of emerging markets - in part because I really don't trust the accounting standards that may be used. But that does not mean my hesitation is valid. I do strongly believ...
by indexaway
Tue Apr 19, 2016 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Long-term Allocation
Replies: 30
Views: 2348

Re: Help with Long-term Allocation

I would recommend you start a lot simpler. Total US Stock Total International Total Bond Thank you Anjou. I actually spend almost one year in a single target date fund and only later switched to the 3-fund portfolio, which I've had for almost a year now. Having spent some time in the simpler realms...
by indexaway
Mon Apr 18, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: Why not buy a DIVIDEND stock?
Replies: 36
Views: 4390

Re: Why not buy a DIVIDEND stock?

Danzangdc wrote:Imagine two similarly situated stocks, one that pays a dividend and one that doesn't. Now imagine both companies fail and the stock price goes to zero. Which stock would you rather have owned?



:confused That's a toughy.
by indexaway
Sun Apr 17, 2016 7:47 pm
Forum: Investing - Theory, News & General
Topic: Why not buy a DIVIDEND stock?
Replies: 36
Views: 4390

Why not buy a DIVIDEND stock?

Hi all, A lot of elders in my family are focused on dividend- yielding stocks. When I start talking about portfolio theory, asset allocation, total market indices, and the like, they just ask: why not just buy high quality, high dividend shares of the biggest companies? :annoyed When I try to start ...
by indexaway
Sun Apr 17, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 14344

Re: Better than amazon??

Nice find - I just used the first-time shopping code 15now to save some money on a purchase at Jet. It was the same price it was at Amazon. I'll have to check back here every now and then although I doubt they can be making much or any profit on these kinds of promo discounts. I typically find Amaz...
by indexaway
Sun Apr 17, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 2049

CD help!

Hi everyone, I am in the market for CDs. I've been trolling sites like Bankrate and keep coming up with a list of online banks offering decent (by today's abysmal standards) returns. The problem I am having is not having head of a majority of these. I appreciate that they are FDIC insured and the ri...
by indexaway
Sun Apr 17, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Safe money?
Replies: 19
Views: 3015

Re: Safe money?

This is your mother's money. It is not yours. She is risk averse. It seems she likes bank cd's. I'd say help her open accounts at an online bank like Ally for better rates. Even that will be a new & seemingly riskier option for her. She is giving up the ability to go to an actual building and l...
by indexaway
Sun Apr 17, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Safe money?
Replies: 19
Views: 3015

Re: Safe money?

Otherwise, this is a kind of "puzzle question" where one has placed conditions around the answer that are unrealistic and may not even be what the investor really wants. What is the objective of putting such constraints on the investment, especially when it is only part of a larger pictur...

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