Search found 4033 matches

by itstoomuch
Wed Jun 28, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: tennis ball machine recommendations
Replies: 5
Views: 192

Re: tennis ball machine recommendations

A 5 yr old boy and a 5 yr old lab. :twisted: :?
by itstoomuch
Tue Jun 27, 2017 9:51 pm
Forum: Investing - Theory, News & General
Topic: Investor Analysis of Index Annuities
Replies: 31
Views: 3324

Re: Investor Analysis of Index Annuities

So if I kill the fia, I would have to run new income and risk scenarios. :oops: :annoyed :annoyed :annoyed
by itstoomuch
Tue Jun 27, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: Investor Analysis of Index Annuities
Replies: 31
Views: 3324

Re: Investor Analysis of Index Annuities

Never viewed it as an investment or a savings plan but as 1) Equity Market insurance, 2)Income. Our GLWB Variable annuity are 1 ) equity market insurance; 2) investment; 3)Income. The Discretionary is for 1) opportunist buy_sells 2) Inflation protection (long Market falls); 3) Discretionary plays. P...
by itstoomuch
Tue Jun 27, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 40
Views: 1804

Re: Consumer Reports Renewal (or not?)

Nowadays, in retirement, we don't buy many items that have a service life of >360 days, except clothing.
by itstoomuch
Tue Jun 27, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Annuities
Replies: 12
Views: 870

Re: Annuities

Basically its a long put option in its basic form.
Learn about options and you learn about insurance and annuities.
YMMV
by itstoomuch
Tue Jun 27, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7257

Re: Where to find a financially like-minded significant other?

^because she is a female and can?

my son goes out and buys a carabiners and those thingys to wedge into rock cracks.
I don't get it either.
by itstoomuch
Tue Jun 27, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 102
Views: 9210

Re: Anyone else gotten totally bored with investing?

I'm interested in the whys & mentality. Rationales are fascinating. :oops:
by itstoomuch
Tue Jun 27, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7257

Re: Where to find a financially like-minded significant other?

OP, hang out around college spots. :P When DS finished his post grad internships, he couldn't get an appropriate job offer (2008 :( ). He finally asked his undergrad advisor (now at Udub) for a recommendation, who immediately offer him a RA position to finish the prof' s pet project. I told son, thi...
by itstoomuch
Tue Jun 27, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7257

Re: Where to find a financially like-minded significant other?

^ I was being facetious and attempted to inject economics back into the thread. :?
by itstoomuch
Mon Jun 26, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7257

Re: Where to find a financially like-minded significant other?

nedsaid, do you have a daughter? We have a fiscally and financially accomplished son in Seattle, homeower, will inherit. :mrgreen: No daughter but I have a niece that is available. :wink: She has had problems with the dating scene, most guys her age just don't seem to have much ambition. In any cas...
by itstoomuch
Mon Jun 26, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7257

Re: Where to find a financially like-minded significant other?

nedsaid, do you have a daughter? We have a fiscally and financially accomplished son in Seattle, homeower, will inherit. :mrgreen:
by itstoomuch
Mon Jun 26, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7257

Re: Where to find a financially like-minded significant other?

nedsaid, do you have a daughter? We have a fiscally and financially accomplished son in Seattle, homeower, will inherit. :mrgreen:
by itstoomuch
Mon Jun 26, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4062

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

Btw, fidelity and vanguard make $$$ from the administration of 401k.
by itstoomuch
Mon Jun 26, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 18
Views: 1234

Re: Where to stay/what to do in Seattle

Museum of flight. Many retired airliners including the Concorde and Space Shuttle mockup which you can actually walk into. UNION STATION, International district (ID) LINK station/King Street Station(amtrak)/bus and streetcar hub. West along Jackson St (exiting LINK,) is China town, across the street...
by itstoomuch
Mon Jun 26, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7257

Re: Where to find a financially like-minded significant other?

Up north, it's called "Seattle Freeze" I tell son, "Stop looking for someone perfect". He replies, "Look how often you and mom argue. You barely hold a conversation for more than 10 secs, and that's after 40 years." I look at him again, "OK, you're right. Look for ...
by itstoomuch
Mon Jun 26, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 48
Views: 4574

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

In the Great Recession, the Federal Reserve, US, Treasury, FDIC, and stronger financial institutions took over the failing financial entities (stock holders lost) but assured bond holders. There were a couple of exceptions IIRC. Whether this will happen again is unknown and the primary reason why I ...
by itstoomuch
Mon Jun 26, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4062

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

By lending to shorts and option traders.
One of the reasons why VG moved to a brokerage platform.
by itstoomuch
Mon Jun 26, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: 5% of portfolio balance a better SWR than 3-4% inflation-adjusted?
Replies: 27
Views: 2715

Re: 5% of portfolio balance a better SWR than 3-4% inflation-adjusted?

+1@ CurlyDave Prior to 2009, I had planned to do Variable Withdrawal on a variable-allocation,increasing bond model. After 2008, Moved to a pension-equity model. 66% pensionized income, -33% equity/cash. I took.a front end loss for big future Market gains but immunized ourselves to Market Lackawanna...
by itstoomuch
Sun Jun 25, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Analysis of my portfolio as I contemplate early retirement?
Replies: 8
Views: 888

Re: Analysis of my portfolio as I contemplate early retirement?

YMMV As I was contemplating our financial situation while I was taking care of Mom, 2008, age 58/61; I envisioned 2 major scenarios: Current age, 67, 70, 85, 95? 1): What would our remaining portfolio look like if our funded ratio =>1.0, and entirely funded by SS and Pension (Our neighbor retired in...
by itstoomuch
Sun Jun 25, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help With Annuities Sold to Parents
Replies: 6
Views: 821

Re: Need Help With Annuities Sold to Parents

JMO, any Annuity whether deferred, single premium, immediate are NEVER an investment nor is it a savings plan but a withdrawal plan. You shouldn't view them as an investment either. They differ in the type of risk and offerings you and the annuity company assumes. Annuities is an insurance plan that...
by itstoomuch
Sun Jun 25, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 18
Views: 1234

Re: Where to stay/what to do in Seattle

we have no problems with downtown/pioneer square/pike/shopping district/capital hill/waterfront. These are popular places, well lit, sundown is very late, and there is a very active night life because of the downtown residences. The sunrise & sunset from the ferries are spectacular. Minimally se...
by itstoomuch
Sun Jun 25, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 18
Views: 1234

Re: Where to stay/what to do in Seattle

Airbnb at one of the more "reviewed" places. Private room/bath. ~$100/nite, 2-3 nite/3-4day minimum. Early and late checkin/checkout. Disclaimer: Son is a popular Airbnb host. Fairly close in, a very short bus ride and/or street car to KingStreetStation or downtown. Uber/Lyft/Smartcar are ...
by itstoomuch
Sun Jun 25, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: 20 Years To Med School: Saving For Tuition Math
Replies: 28
Views: 2020

Re: 20 Years To Med School: Saving For Tuition Math

Alternative:
His cousin attended UC system undergrad and MS.
He could have funded his medical school by APPL stock that he purchased early on. But his parents are able to swing the all the costs.
by itstoomuch
Sun Jun 25, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: 20 Years To Med School: Saving For Tuition Math
Replies: 28
Views: 2020

Re: 20 Years To Med School: Saving For Tuition Math

If you believe in growth and inflation, you will be better off to front load and forego the last few years of contributions :greedy . YMMV :mrgreen: Very interesting If I did constant annual contributions (and assuming a nominal return of 6.5%), I'd be contributing a total of $8706*20 = $174K How w...
by itstoomuch
Sun Jun 25, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: How much to pay for extra work (furniture delivery)
Replies: 9
Views: 848

Re: How much to pay for extra work (furniture delivery)

appears to be OK.
Glad that it's not my back and muscles being used. :annoyed
by itstoomuch
Sat Jun 24, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: 20 Years To Med School: Saving For Tuition Math
Replies: 28
Views: 2020

Re: 20 Years To Med School: Saving For Tuition Math

yes & no. your contributions is in steady dollar amount but is actually declining in value or decreasing in constant 2017 dollars, The cost of attendance is compound increasing. If you believe in growth and inflation, you will be better off to front load and forego the last few years of contribu...
by itstoomuch
Sat Jun 24, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 48
Views: 4574

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

+1 @staythecourse. I really like your statement: No doubt bonds will drag down results. Anyone who says otherwise is lying to themselves and others. If one believes in semi rational markets why would it reward someone for taking on less risk, i.e. risk of losing principal then those who take on more...
by itstoomuch
Sat Jun 24, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Investor Analysis of Index Annuities
Replies: 31
Views: 3324

Re: Investor Analysis of Index Annuities

I will ask for the download if I can remember my other email. :oops: I cringe when you say "Investor analysis..." I never viewed our FIa as investing but as Market insurance and a future income stream. We are coming up on the 5th anniversary on one of the GLWB FIa. Initial purchase at $100...
by itstoomuch
Sat Jun 24, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 1933

Re: Cars my only weakness, make me feel bad!!

^I'm trying to make the guy feel bad, as requested :P
And why are you looking at my spandex? :shock:
by itstoomuch
Sat Jun 24, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Company: "Why do you need so much coverage?"
Replies: 18
Views: 1550

Re: Insurance Company: "Why do you need so much coverage?"

I would simply respond that you're a resident and you are aware of the high costs of medical care. As a physician you may believe that your higher income/assets puts you at a higher financial risk in the event of an accident. Simple. IIRC, your Health/medical insurance covers first then Auto Ins pa...
by itstoomuch
Sat Jun 24, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 48
Views: 4574

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

OP: Pretty much correct.
Even Bogle said this in an interview with Wall Street Week with Louis Rukyser, circa 1975.
No bonds at age 67/70. :D
by itstoomuch
Sat Jun 24, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 1933

Re: Cars my only weakness, make me feel bad!!

Retired here. Do not appreciate driving.
I just got a new Trek fx7.4 and need to get on my TaoTao49er. :mrgreen:
by itstoomuch
Sat Jun 24, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 1933

Re: Cars my only weakness, make me feel bad!!

^ok, then OP should buy an automous car that doesn't work so well. That oughta make him feel bad. :oops: :annoyed :twisted:
by itstoomuch
Sat Jun 24, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 1933

Re: Cars my only weakness, make me feel bad!!

If you wait another, 2 years, there will be self driving cars for the high-end masses. Wait 4 years there will a self driving car for the middle-income masses. The auto you buy today will be worthless in 2 years when self-driving cars hit the market. Feel better now?
YMMV :( :P :twisted: :annoyed
by itstoomuch
Fri Jun 23, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying pension benefits - what would you do?
Replies: 5
Views: 838

Re: Delaying pension benefits - what would you do?

You and BHs, won't like this :annoyed ,
Run two accounts: An Account balance and another discounted Income Account balance. This is similar to pension plans, notably PER s, GWLB deferred annuities/SPIAs/CDs/IRAs and deciding to take SS now or later :twisted: .
Ymmv :oops:
by itstoomuch
Fri Jun 23, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: 529 Non-Qualified Earning Distribution: Why Income Tax And Not Capital Gains Tax?
Replies: 5
Views: 317

Re: 529 Non-Qualified Earning Distribution: Why Income Tax And Not Capital Gains Tax?

529s promise tax free on qualified withdrawals much like a Roth. In exchange for this 529 tax benefit you give up the privilege of tax loss harvesting and long term capital gains and dividend treatments. Plus there is the personal exemption of ~$1050/yr which allows a basis stepup. Any non qualified...
by itstoomuch
Fri Jun 23, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investment path for home (cha-ching)
Replies: 14
Views: 1122

Re: Investment path for home (cha-ching)

+1 @ theJoker. You need to save and invest (if necessary) faster than housing appreciation in the area you wish to live. example: Our son did not participate in 401k except for match if available, for 3 years prior to purchase + 1 year after purchase. He also invested some of the home purchase savin...
by itstoomuch
Fri Jun 23, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: 529 Non-Qualified Earning Distribution: Why Income Tax And Not Capital Gains Tax?
Replies: 5
Views: 317

Re: 529 Non-Qualified Earning Distribution: Why Income Tax And Not Capital Gains Tax?

because in exchange of no tax on qualified withdrawals.
No free lunch.
for which I don't really like 529 and prefer UGMA, unless the 529 is tactically managed in the shortterm.
by itstoomuch
Fri Jun 23, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Status Evaluation + Taxable Account Help
Replies: 9
Views: 612

Re: Status Evaluation + Taxable Account Help

JMO & YMMV Whatever that keeps pace with housing inflation. This can be a blend of savings & investments as long as you understand the risks. Seattle and Portland OR housing is ~12%+/yr for the last 4 years. Too conservative parking of your downpayment will erode its value and thus will degr...
by itstoomuch
Fri Jun 23, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 28
Views: 2053

Re: Surge Protector for Refrigerator

I have a SP on our gas range-oven :oops:
by itstoomuch
Fri Jun 23, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about the death thing for taking SS
Replies: 17
Views: 1439

Re: Thinking about the death thing for taking SS

We took SS early. We desperately needed the cashflow in 2010 and again in 2012 and wanted our "investments" /TheMarket, enough time to recover from the Great Recession. We had 5 years of tax free/low tax on the SS income. Today, 85% of SS is taxed. Had we waited till 70, and our other sequ...
by itstoomuch
Fri Jun 23, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 89
Views: 6090

Re: Should I buy an $800k house?

Just got back from Seattle on a house hunting trip/check on rental/visit son. It's tough up there (we are from Oregon). We are looking towards downsizing, one car + bike/scooter. :oops: Got another amtrak trip schedule for the coming Monday-Thursday, but may have to cancel because of lack of invento...
by itstoomuch
Fri Jun 23, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 57
Views: 4070

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

I don't buy too many cars. :oops:
I knew there was a reason why no one mentioned this prior to my post :annoyed .
But there must be wires to the plugs somewhere unless, :idea: diesel :|
by itstoomuch
Fri Jun 23, 2017 1:11 am
Forum: Investing - Theory, News & General
Topic: Thoughts about tilting away from the sector you work in?
Replies: 29
Views: 1886

Re: Thoughts about tilting away from the sector you work in?

Our son who is in tech, does the traditional major vanguard funds, total, mid and value (no bonds) and his discretionary investments are individual tech stocks and a couple of blackrock indexes. He has been fortunate that he started major investing in 2008. His portfolios would still look good in if...
by itstoomuch
Fri Jun 23, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Oregon personal Trip
Replies: 25
Views: 1833

Re: Oregon personal Trip

Where are you coming from and your interests?
by itstoomuch
Wed Jun 21, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5453

Re: Co-workers advising to buy house RIGHT NOW

Seattle: a metric. YHomeMV 2014, son's home purchase was 5.75x his salary. 2017, his adjacent neighbor's home, similar design and sqft, sold this month at 6.3x his salary and that's with 10% salary increases/yr :annoyed . IOW, Seattle home prices has been increasing at 12%/yr. OP needs to evaluate w...
by itstoomuch
Wed Jun 21, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5453

Re: Co-workers advising to buy house RIGHT NOW

In 2014, Son reported to us that his CEO said, that the company was doing great and it is OK to think about a home purchase. We were encouraging son to buy in 2013, but he just started with this company. It is the day after summer's solstice of 2014 that he made an offer. Today is the first day we l...
by itstoomuch
Wed Jun 21, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: 20 pct bonus on fixed index annuity
Replies: 22
Views: 1067

Re: 20 pct bonus on fixed index annuity

Shop and ask questions till you understand how annuities work. Over the years and on our first annuity purchase we (I) saw many presentations; None with a meal or even a a simple pbj sandwich. IIRC, the "bonus" is added to the initial "Income Acct". It's a marketing tool. Those c...

Go to advanced search