Search found 4287 matches

by itstoomuch
Wed Aug 23, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is anybody using BND as a way to park cash?
Replies: 16
Views: 695

Re: Is anybody using BND as a way to park cash?

Held and Holding high cash in Discretionary for past 10 months. We were/are buying a retirement/rental home.
YMMV
by itstoomuch
Wed Aug 23, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bond substitutes ?
Replies: 14
Views: 864

Re: Bond substitutes ?

If one DollarCostAve purchase PFF, you would have made a killing from 2008-2010. More so than VFINX :oops:
Recency Bias. :oops: :moneybag
by itstoomuch
Wed Aug 23, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 47
Views: 2881

Re: What do you do with RMD money you don't need?

If you are buying a house, for your own use or for a rental, while in retirement mode: Our mortgage broker says that underwriters want to see 2 yrs income from IRAs, annuities, or other deferred sources unless a fixed monthly award as pensions or SS. Our first RMD, Will be used replenish either the ...
by itstoomuch
Wed Aug 23, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 63
Views: 4006

Re: School Redistricting - What should we do?

Optimistically, Your children will be the smartest at the not-so-good school and so-so at the good school. :? :annoyed For us, son had the choice of 2 schools because our area of town was equal distance between the two schools. One school emphasized math, languages and arts. The other school had IB ...
by itstoomuch
Wed Aug 23, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 45
Views: 2529

Re: Eclipse Traffic: predictions vs reality?

Son left Salem OR @9pm. Arrived Seattle hm@3:15am. A normal Sunday return would be 4 hours if he left early eves. If he leaves Salem afternoon the the 210 miles trip would be 3.5 hours. Friend left Salem by Amtrak Bus originating at Eugene, @7:15pm (15 minutes late). Arrived Union Station Portland @...
by itstoomuch
Wed Aug 23, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Bond substitutes ?
Replies: 14
Views: 864

Re: Bond substitutes ?

I used at various times, VPU, XLU, PFF, and my local utility which is paying about 2.9%. I trade the utility to get another 5%. I am out of the utility now. Risk to reward ratio is not favorable. Primarily I use GLWB annuities as a bond substitute. I took the frontend hit for a known future outcome....
by itstoomuch
Wed Aug 23, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Paying for college with 529 money
Replies: 14
Views: 786

Re: Paying for college with 529 money

They're (the kids) are know-it-alls at 15yo. We have an high performing son. We told him to shoot-for-the-moon. then 2001-2002 happened. we still have something like $30k in PLUS. We had very little in 529. Mostly in UGMA. Everything did work out OK. advice: Know that the BigBadBlack Swan is always ...
by itstoomuch
Tue Aug 22, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 1714

Re: Can you recommend a good mouse trap?

Observation:
Everyone wants the best mouse trap.
Everyone wants to develop the better mouse trap. '
YMouseMoneyMayV :oops:
by itstoomuch
Tue Aug 22, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11617

Re: How far would you travel to see The Eclipse?

Salem OR.
The show was worth it.
Makes you realized that we are Not the masters-of-the-universe. We are just observers on a small world.
by itstoomuch
Tue Aug 22, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 1714

Re: Can you recommend a good mouse trap?

I used these and put peanut butter on the trap. It was easy to use. It was obviously not humane. These kill the mice. https://www.amazon.com/gp/product/B004B9XPOO/ref=oh_aui_detailpage_o00_s00?ie=UTF8&psc=1 $14.8/trap :? :| :confused :annoyed That's cruel to my wallet. IMO, used traps are better th...
by itstoomuch
Tue Aug 22, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 1714

Re: Can you recommend a good mouse trap?

My record is 14 in the Fall and Winter months, from the garage. This summer its 4. Never caught a summer mouse before. Gray Diggers are super abundant this year. I use Victor and TomCat traps with PBJ bait. I do not recommend the inexpensive (cheaper, Made in China) traps because they are made poorl...
by itstoomuch
Mon Aug 21, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11617

Re: How far would you travel to see The Eclipse?

^even that last 0.01%, you still have to wear the googles. Then when at full occultation (?), you cant see a thing with the googles, so you take them off. and WoW.
by itstoomuch
Mon Aug 21, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6821

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

I am glad you said "insurance"
The next question is what is the "cost" for your insurance?
YMMV :mrgreen:
by itstoomuch
Mon Aug 21, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11617

Re: How far would you travel to see The Eclipse?

It is worth it.
Salem OR.
by itstoomuch
Sun Aug 20, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6821

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

Five years ago, inflation was a big concern on this forum and a good number of people thought that low yields had no where to go but up. We all make decisions based On the information we have available; On guesses for the future; and On experiences from the past. :annoyed What we chose then may or ...
by itstoomuch
Sat Aug 19, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6821

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

This thread is yet another example of what I've seen over and over again on bogleheads in my almost 10 years on here ... Nothing confounds more otherwise investing-savvy people that real-return based investments (e.g. tips and ibonds). I've noticed the same thing. the double o in % gets me more con...
by itstoomuch
Sat Aug 19, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6821

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

you are "paying" for Future Risk insurance.
You knew this on day #1.
by itstoomuch
Sat Aug 19, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6735

Re: DUI lawyer - need advice

Wow,a 22 hour post is yielding two pages of advice and anecdotes.
Just to show that they other realms and more interesting outcomes than $$$$
Ymmv :mrgreen: :annoyed :greedy
by itstoomuch
Fri Aug 18, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 8832

Re: TIAA Traditional Annuity as sole fixed income component

I wonder it those who have TIAA trad Annuity can post the features of this-their annuity. Also please post your age at inception, current age, and first age of taking withdrawals. Please :mrgreen: . Not quite sure what you are asking. I've had a percentage of my TIAA portfolio in Trad since age 23....
by itstoomuch
Fri Aug 18, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 8832

Re: TIAA Traditional Annuity as sole fixed income component

I wonder it those who have TIAA trad Annuity can post the features of this-their annuity. Also please post your age at inception, current age, and first age of taking withdrawals.
Please :mrgreen: .
by itstoomuch
Fri Aug 18, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11617

Re: How far would you travel to see The Eclipse?

From Woodburn to Junction City, I wonder how the authorities are going to enforce the peak ecilpse 10:00-10:30?
by itstoomuch
Fri Aug 18, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Percent of retirement expenses from fixed sources?
Replies: 16
Views: 1070

Re: Percent of retirement expenses from fixed sources?

Protect the Funded Ratio;
Whether the underlying funds be cash, bonds, stocks, RealEstate and/or your human capital.
by itstoomuch
Fri Aug 18, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 7450

Re: How far off are Zillow's estimates?

Jmo, Z, is nothing more than an.aggregator from sources who are akin to market news letters. Z is probably accurate on last year's pricing. Our Redmond WA purchase, was +20% over asking. The other homes that we looking at also went 20% over. Asking was based on previous year data. Our 'RE agent said...
by itstoomuch
Thu Aug 17, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to compensate realtor if sold by owner?
Replies: 7
Views: 1169

Re: How to compensate realtor if sold by owner?

If I was to remain in the area, and the 'RE gave some advice, maybe a 0.20 to 0.5%. We are talking 500K+ per sale.
Relationships count.
YMMV
by itstoomuch
Thu Aug 17, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Percent of retirement expenses from fixed sources?
Replies: 16
Views: 1070

Re: Percent of retirement income from fixed sources?

Depends. Like above, many buckets of income streams. The only bucket that I see as "fixed" is the SS + small pension. Use it or lose it. Represents about 60-30% of total income, depending if we draw from other buckets and needs/wants. Even our GLWB annuities, although a known distribution, I can sto...
by itstoomuch
Thu Aug 17, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: The Mathematics of Retirement Investing
Replies: 123
Views: 13621

Re: The Mathematics of Retirement Investing

If many Boomers are like wife and I, they will most of their retirement funds in IRAs, and will ultimately face RMD, not Safe Withdrawal rates. The rare retiree will take excess RMD, above their SWR, and invest/save in taxable accounts.
by itstoomuch
Thu Aug 17, 2017 12:21 pm
Forum: Investing - Theory, News & General
Topic: Why do brokerage transactions take 2 business days to settle?
Replies: 9
Views: 1292

Re: Why do brokerage transactions take 2 business days to settle?

Brokerages act as an intermediary as a Bank acts as an intermediary.
Trading firm could settle the transaction from their own account, borrow from stock owners using that firm, or trade on the open market.
A significant reason why VG went to a brokerage platform.
Ymmv
by itstoomuch
Wed Aug 16, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Buy + hold to avoid being priced out in the Bay Area?
Replies: 20
Views: 1789

Re: Buy + hold to avoid being priced out in the Bay Area?

OP, what you propose is defensible. It is essentially what we did for a Seattle home (in process), from a LCOL in Oregon to High Home cost in Washington. I have been holding high cash in taxable and ROTHs for almost a year while even our high fee VAs have gained 8% yoy. We are about to close at the ...
by itstoomuch
Wed Aug 16, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Buy + hold to avoid being priced out in the Bay Area?
Replies: 20
Views: 1789

Re: Buy + hold to avoid being priced out in the Bay Area?

In reality you are looking for an investment property that will keep pace with the housing costs of the Bay Area.
Is that correct?
by itstoomuch
Wed Aug 16, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Buy + hold to avoid being priced out in the Bay Area?
Replies: 20
Views: 1789

Re: Buy + hold to avoid being priced out in the Bay Area?

In reality you are looking for an investment property that will keep pace with the housing costs of the Bay Area.
Is that correct?
by itstoomuch
Tue Aug 15, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6552

Re: It's easy to have an investment plan until you get punched in the face

Punched in the face with "Opportunity" :happy Get it when it is on sale half price like 2007-8 :mrgreen: :mrgreen: Yep, in Nov 2008, sold W funds at nearly -40% off highs of 2007 for discounted (-50%) all equity MF in high fee variable annuities. :oops: We were JOMY in early 2008. All is well now. ...
by itstoomuch
Tue Aug 15, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 152
Views: 23492

Re: $400,000 Roth Conversions Between Ages 66-69?

IMO This is an exercise of infinite possibilities that I use to put myself to sleep. I too try to strategize and not sure if the results are successful. Present and future taxes are one issue. The other major issue is the expected value of any conversions to ROTH or taxable. FWIW, we did conversions...
by itstoomuch
Mon Aug 14, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: All in stocks: Where to go now?
Replies: 24
Views: 2258

Re: All in stocks: Where to go now?

Our son stopped all contributions to 401k and Roths for 3 years to build a dpayment fund of cash, individual stock, and Indexes. No bonds.
We are retired. No bonds.
by itstoomuch
Mon Aug 14, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Fed unloading bonds?
Replies: 17
Views: 2086

Re: Fed unloading bonds?

FR may have already unloaded a significant portion of their holdings.
I haven't looked at their Fed Bulletin for a long time.
by itstoomuch
Mon Aug 14, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11617

Re: How far would you travel to see The Eclipse?

Want to see the Virgin concept really worked.
Want to see the Connecticut Yankee magic.
Want to see the mathematics of superstition.
by itstoomuch
Sun Aug 13, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11617

Re: How far would you travel to see The Eclipse?

jeff1949 wrote:
Fri Aug 11, 2017 10:04 pm
itstoomuch wrote:Front yard. Salem Oregon.
Sister is going to see it at land fall, Pacific City OR.
Ditto.......Salem that is. :D

We got the drizzle this morning this morning and still heavy overcast. The warning to people coming to the Coast and Valley that it may be chancy.
Central Oregon will be smokey.
by itstoomuch
Sun Aug 13, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Any non-CD option to park downpayment for a year?
Replies: 9
Views: 951

Re: Any non-CD option to park downpayment for a year?

Keep it in a cash or 1-24 month CD. I have had our Roths in cash for almost 12 months. Taxables I've had fully invested in dividend stocks and CEF. All in preparation for a downpayment. Personally, my credit union gives CD rates from 12-60 months: 12month @0.1% to 60months/$100K@0.85%. Investors MM ...
by itstoomuch
Sun Aug 13, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6156

Re: Expect to spend $2.6M on healthcare?

I am trying for that amount but I don't think I'll make it 8-) .
by itstoomuch
Sat Aug 12, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 132
Views: 10881

Re: Another bay area housing thread..

Seattle area, it's 4days. List Thursday. Open house Sat/Sun. Awarded Monday by 6pm.
We won the bidding :oops: :annoyed :confused
She really, Really wanted it :x
by itstoomuch
Sat Aug 12, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 Mazda 3 new for $15k?
Replies: 25
Views: 3009

Re: Buying a 2017 Mazda 3 new for $15k?

DS bought a M3i with Skyactv, new 2014. Stick. Base model with no backup camera, no GPS, standard sound system. He was offered either a low interest financed or cash purchased at slightly higher price, Oregon. It was a substantial discount to what was offered in Washington Seatle area where he lives...
by itstoomuch
Sat Aug 12, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: S&P Indexed Life Insurance
Replies: 10
Views: 683

Re: S&P Indexed Life Insurance

IIRC , Indexed UNIVERSAL Life Insurance has a increasing annual renewable term component and a Cash Value component. The CV part funds the LI. Around the age of 65, the expense of the LI jumps and continues to escalate to where the the CV will be quickly used up. When the CV is used up, the policy i...
by itstoomuch
Fri Aug 11, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 54
Views: 2845

Re: Oregon road trip help

If the Valley is very warm +90, the central to northern coast up to 1/2 mile inland could be windy and cloudy. This will be like San Francisco, in the summer. Check the weather forecasts
by itstoomuch
Fri Aug 11, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11617

Re: How far would you travel to see The Eclipse?

Front yard. Salem Oregon.
Sister is going to see it at land fall, Pacific City OR.
by itstoomuch
Thu Aug 10, 2017 11:25 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6098

Re: What Percentage CASH are you?

I'm curious what percentage of assets people hold in cash? Also, if you didn't haven it in cash, where would you put it? Personally, I'm 12% Cash right now. Maybe this is dumb, especially with the dollar falling. Feel free to let me know. But, I do like the feeling of having some "dry powder" espec...
by itstoomuch
Thu Aug 10, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Near Retirement Portfolio Review
Replies: 9
Views: 1517

Re: Near Retirement Portfolio Review

Look into changing your retirement model from AA to a Funded Ratio model. See BH wiki.
YMMV
by itstoomuch
Thu Aug 10, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing my home down payment savings <12 months
Replies: 6
Views: 598

Re: Investing my home down payment savings <12 months

Hold in cash.
That's what we did. Redmond, WA. condo under contract.
by itstoomuch
Thu Aug 10, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: College and Paying for it
Replies: 61
Views: 4090

Re: College and Paying for it

We parents and Only borrowed about 70 to 75% of the cost-of-attendence. A great deal at US's then highest tuitioned school, 2002-2006. A great deal and well worth the cost. :mrgreen:
by itstoomuch
Thu Aug 10, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6098

Re: What Percentage CASH are you?

It varies. :oops: :mrgreen: :annoyed
by itstoomuch
Thu Aug 10, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 5917

Re: What is an appropriate lower risk asset allocation once one has "won the game"

OP: Portfolio risk is not the same as lifestyle risk. In you case, your lifestyle depends little on your portfolio. Taking risk in your portfolio adds little risk to your lifestyle. Your portfolio does provide for the unexpected so it has insurance value. In thinking about a legacy, you can look at...
by itstoomuch
Wed Aug 09, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 50
Views: 6396

Re: I pay $6K in rent. Am I an idiot for not buying?

Do you have some living with you?
Do you think you will have to get out of town quickly?