Search found 1092 matches

by rgs92
Wed Jun 21, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Need advices cleaning up my portfolio
Replies: 12
Views: 1055

Re: Need advices cleaning up my portfolio

I've always wondered why the Fidelity Freedom Index funds had so much foreign exposure. VBINX (Vang. Balanced Index) has none.
by rgs92
Tue Jun 20, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4800

Re: Alternatives to Amazon

Ebay is good for lots of new merchandise now too. If you float the payment through Paypal with the Paypal credit card, you get 3% off. No strange shippers either. I also like B&H for electronics as was noted above by others, and Zappos for shoes (they always use UPS). Crutchfield is good, but te...
by rgs92
Tue Jun 20, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Cancelling credit card payment while it is 'pending'
Replies: 7
Views: 429

Re: Cancelling credit card payment while it is 'pending'

I don't think you can prevent a credit card payment from going through unless you have a case why you should not pay, like fraud or something serious, not because you changed your mind. The bank will tell you to request a refund from the merchant.
by rgs92
Tue Jun 20, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 90
Views: 4992

Re: is luxury car a smarter purchase?

Read the Lexus forums and read about the money-pit stories with BMWs, Audis, and Mercedes. There are tons of refugees from these brands. And actually, you can pick up a used high-end Euro car for a low price because everyone knows about the high cost of maintaining these, along with their fragile me...
by rgs92
Tue Jun 20, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 45
Views: 3265

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

I wouldn't let anyone I care about drive around in a car with 155K miles.
by rgs92
Tue Jun 20, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Collecting Dividends, Waiting for Market Drop?
Replies: 25
Views: 1806

Re: Collecting Dividends, Waiting for Market Drop?

Imminent crash predicted by whom? And if the crash is really that imminent, the miniscule amount you collect in dividends that goes back into the market in this short period will only cause you to lose a very small number of dollars. So your proposed strategy won't work. If you want to protect yours...
by rgs92
Mon Jun 19, 2017 2:26 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 43
Views: 3146

Re: Long Term Care Insurance?

No, I don't work for the company anymore (I have not for a long time) but that's the way the company and JH described it at the time (fixed premiums). It's about $1.1 million for each of us (I got it for my wife and me). This was a pretty common offering to employees of this and another company I wo...
by rgs92
Sun Jun 18, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 43
Views: 3146

Re: Long Term Care Insurance?

My John Hancock policy cannot raise premiums or reduce benefits. That is almost certainly not true. Most likely you have a policy where JH would have to go the state insurance commissioner and seek permission to raise rates for the entire class of policyholders on the ground that it's needed to ens...
by rgs92
Thu Jun 15, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Is Inflation Dying of Old Age?
Replies: 82
Views: 6656

Re: Is Inflation Dying of Old Age?

Awesome post Nedsaid. Maybe the best and most reasoned and concise thing I've read on the healthcare subject. Thanks.
by rgs92
Thu Jun 15, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 104
Views: 16125

Re: Ally Bank - Is this a safe/best place to stash some cash?

Thanks for the insights on the Fidelity Floating Rate fund (FFRHX). Maybe I'll move my money to my Ally or PenFed accounts...
by rgs92
Thu Jun 15, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?
Replies: 33
Views: 1697

Re: With guaranteed pension, should 403(b) investments be more aggressive or more conservative?

Is the pension inflation adjusted? That's important. I would still go 60/40 stock/bonds for the duration (your whole life). I'm too nervous for 100%. I have pensions/fixed annuities (not COLA'd) and that's what lets me sleep OK. Do you really want a vanilla 25% correction to cause a $quarter-million...
by rgs92
Thu Jun 15, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 63
Views: 7502

Re: What Percentage To Put In International Stock?

Wow, big outsized international downturn today, much worse than domestic. Maybe a good day to rebalance or take an international position in your allocation if you were considering it...
by rgs92
Thu Jun 15, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 56
Views: 3282

Re: Turbochargers

by rgs92
Thu Jun 15, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: How riskier are Aaa corporate bonds?
Replies: 10
Views: 924

Re: How riskier are Aaa corporate bonds?

Corrected! VCIT (not VTI). [I'm fat-fingered today; Sorry.] I think they are good and that's why I have a hefty chunk of VCIT - vang. corp. intermediate bond ETF.
Thanks lack_ey.
by rgs92
Thu Jun 15, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance?
Replies: 43
Views: 3146

Re: Long Term Care Insurance?

My John Hancock policy cannot raise premiums or reduce benefits.
by rgs92
Thu Jun 15, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4607

Re: Do You Take Your Credit Card Receipts?

Someone burns the receipts?
by rgs92
Tue Jun 13, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Annual returns for mutual funds for retirement in 25 years?
Replies: 18
Views: 1634

Re: Annual returns for mutual funds for retirement in 25 years?

livesoft wrote:I'd guess somewhere between 0.217% and 11.348%, but I can't be more precise than that.

OTOH, it doesn't really matter because what is the alternative?

LOL!
by rgs92
Tue Jun 13, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11748

Re: Who takes financial chances and why is this forum so financially conservative?

You think putting 60% of your life savings into the S&P 500 is conservative? Not if you look at the charts. It's certainly a reasonable amount of risk. Reasonable is the key word here. If you talk to greatest-generation people with full-on depression mentalities, then you will know what financia...
by rgs92
Tue Jun 13, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Newbie seeking advise
Replies: 18
Views: 1215

Re: Newbie seeking advise

Probably the best advice for you would be to put it all in VBINX (or the admiral version). That's Vang. balanced index.
That's what I usually advise to those with over complicated portfolios. Then just set and forget.
by rgs92
Tue Jun 13, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Retirement or permanent limbo around 50?
Replies: 19
Views: 2266

Re: Retirement or permanent limbo around 50?

Yep, I've seen tons of jobs go to place like Eastern Europe, Guadalajara, and countries I've never heard of. And not just call center jobs, but management/analysis/coding, the whole gamut of skills. It seems the bulk of on-shore jobs are people here to act as the go-between for the off-shore staff a...
by rgs92
Tue Jun 13, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 104
Views: 16125

Re: Ally Bank - Is this a safe/best place to stash some cash?

I use FFRHX (Fidelity Floating Rate High Income) instead of CDs. Less hassle. Not too interest rate sensitive like bonds.
(By the way, if someone knows a good ETF version of this kind of fund, maybe with lower expenses, I'm all ears. Thanks in advance.)
by rgs92
Tue Jun 13, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Good Digital Tire Gauge
Replies: 21
Views: 1322

Re: Good Digital Tire Gauge

I second Fletch's recommendation on Joe's Racing analog tire guage because it somehow is really easy to connect to the tire valve (on the 1st try!) ). The worst thing is trying to fumble to get a secure connection (like in cold/hot/wet/awkward conditions or with time running out on your pay-pump). S...
by rgs92
Mon Jun 12, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement or permanent limbo around 50?
Replies: 19
Views: 2266

Re: Retirement or permanent limbo around 50?

I made the original quoted comment. Telecom let go hundreds of thousands of professional middle aged people with decades of service in the last 20 years or so. You can see the huge suburban office complexes that used to house them and the football-field size parking lots. A large proportion never we...
by rgs92
Mon Jun 12, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4266

Re: Dehumidifier woes

The Aprilaire 1850F 95 Pint Dehumidifier for about $1260 is another. http://www.allergybuyersclub.com/aprilaire-1850f-95-pint-portable-basement-dehumidifiers.html I use the Santa Fe Classic and like it a lot. It has performed well for several years and can keep a large very damp non-climate-controll...
by rgs92
Mon Jun 12, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse returning to work. How to keep low stress lifestyle?
Replies: 47
Views: 4546

Re: Spouse returning to work. How to keep low stress lifestyle?

Well it's true in my circles. Many middle aged professional people have fallen through the cracks. But best of luck to the original poster. I would additionally suggest if any sort of permanent professional position is available take it no matter what the salary or benefits are. It is much more secu...
by rgs92
Mon Jun 12, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse returning to work. How to keep low stress lifestyle?
Replies: 47
Views: 4546

Re: Spouse returning to work. How to keep low stress lifestyle?

He's going to have big trouble find a job at that age. That was my experience. And tons of my laid-off middle aged friends who have good education and graduate degrees in IT and other professional areas (I know some people in pharma and banking) are doing things like working in supermarkets and Star...
by rgs92
Sun Jun 11, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: Add TIPS and High Yield Corporate Bonds To Your Portfolio?
Replies: 16
Views: 1387

Re: Add TIPS and High Yield Corporate Bonds To Your Portfolio?

If anything, use some high yield bonds in the STOCK allocation of your portfolio. Not a major part, of course. TIPS are a completely different subject discussed at length over the years here in other threads, so just do some searching. Like Taylor said, bonds are for safety. Or as Jack Bogle puts it...
by rgs92
Sun Jun 11, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1499

Re: Best Way To Code A Text Parser

Or use perl:

#!/usr/bin/perl

use strict;
use warnings;

my $data = 'Becky Alcorn,25,female,Melbourne';

my @values = split(',', $data);

foreach my $val (@values) {
print "$val\n";
}

exit 0;
by rgs92
Sun Jun 11, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1499

Re: Best Way To Code A Text Parser

AWK split function: split(string, array [, fieldsep]) This function divides string into pieces separated by fieldsep and stores the pieces in array. The first piece is stored in array[1], the second piece in array[2], and so forth. The string value of the third argument, fieldsep, is a regexp descri...
by rgs92
Sat Jun 10, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4158

Re: (Very) Early Retirement vs Parenthood

It actually is a similar decision as with pets. Getting pets is almost totally altruistic, and is a financial cost without possible rewards like with kids being able to take care of you when you are old. But everybody is seems has pets because it reflects the goodness of our nature and it humanizes ...
by rgs92
Fri Jun 09, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 70
Views: 7856

Re: Help me choose an EXPENSIVE* red wine for a gift

I love the wine from here: oldyorkcellars.com There wines are really good IMHO and although not cheap, I feel they punch way above their price. I could be fooled into thinking they are much more expensive. They are a small-batch place. They use local crops in the northeast. They even have a great bl...
by rgs92
Fri Jun 09, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4158

Re: (Very) Early Retirement vs Parenthood

Well, $2 million still isn't enough even w/o kids and not much social security. A little over $80K a year inflation adjusted? That's darn tight.
by rgs92
Fri Jun 09, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4158

Re: (Very) Early Retirement vs Parenthood

$2 million isn't nearly enough, especially with truncated social security from early retirement. And with kids to feed, it's even worse.
And if you have cats/dogs/etc., that's another big deal/obligation.
And if you have kids, you have to have pets you know... (or they won't grow up right).
by rgs92
Fri Jun 09, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 4909

Re: best way to buy tires

I belong to Costco just for their tire service.
by rgs92
Fri Jun 09, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Three years into retirement… Need a good read
Replies: 12
Views: 1921

Re: Three years into retirement… Need a good read

Ah, just stay tuned to Bogleheads for the best common wisdom. Don't touch that dial.
(The crowd knows better than any one author.)
by rgs92
Fri Jun 09, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Is Inflation Dying of Old Age?
Replies: 82
Views: 6656

Re: Is Inflation Dying of Old Age?

Thanks to the OP for this very good post. I've always felt that inflation was a self-fulfilling prophecy, where optimism about widespread growth and prosperity led businesses to invest in plant/equipment/labor for future gains. I haven't sensed that kind of attitude since 1999. I don't see this retu...
by rgs92
Wed Jun 07, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6652

Re: 100% Stock Portfolio?

Keeping a few years of expenses in bonds usually means you do not have a 100%-stock portfolio.
How much of your total financial assets do those bonds represent?
by rgs92
Sun Jun 04, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24589

Re: Where to Live on $60K or Less a Year?

You could live in some nice parts of New York City on that $60K income. In Queens (Rego Park/Forest Hills zips 11374/11375) you can get a 1 or even 2-bedroom condo for under $300,000 with about a $1000-$1200 total HOA/Tax cost a month, for a total cost of about $2300 a month with just a 20% down pay...
by rgs92
Sun Jun 04, 2017 1:07 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8584

Re: Everything keeps going up, this feels too easy?

Your portfolio of stocks and bonds is probably yielding about 2.5% a year in interest and dividends. That absolute amount of income will most probably continue no matter what the stock (or bond) market does. So a million-dollar portfolio will in all likelyhood generate about $25,000 a year (and even...
by rgs92
Sat Jun 03, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Safely Retire?
Replies: 56
Views: 5871

Re: Can I Safely Retire?

It's amazing how much more it costs to be married, even without kids.
I notice all the posts here saying how it's possible to live on little money if you are single.
by rgs92
Fri May 26, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Yet Another Real Estate vs Stock Market Thread
Replies: 44
Views: 3814

Re: Yet Another Real Estate vs Stock Market Thread

A 4-unit in any decent area of California would be about 1.5 to 3 million dollars and up. What kind of rent would you achieve on that? I suggested in another thread 6% cap rate = Net Operating Income/ Value (cost) Others suggested that is too low. Certainly in the UK one would struggle to achieve t...
by rgs92
Tue May 23, 2017 5:16 am
Forum: Investing - Help with Personal Investments
Topic: Yet Another Real Estate vs Stock Market Thread
Replies: 44
Views: 3814

Re: Yet Another Real Estate vs Stock Market Thread

A 4-unit in any decent area of California would be about 1.5 to 3 million dollars and up.
by rgs92
Mon May 22, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Yet Another Real Estate vs Stock Market Thread
Replies: 44
Views: 3814

Re: Yet Another Real Estate vs Stock Market Thread

You are going to get $7,000/month rent for a $600,000 place? That's a dream I believe. Even in a tight high-rent area like the NYC metro area, you are lucky to get half that. And property taxes are likely to be over $12,000, again twice your estimate. The scenario presented is not even close to the ...
by rgs92
Thu May 18, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 4234

Re: Delay SS, but claim if market plunges

Isn't this the equivalent of withdrawing from your fixed income part of your portfolio when you "think" the market is low? And isn't this basically market timing? I thought you were supposed to take withdrawals that reflect your current asset allocation at the time, regardless of the marke...
by rgs92
Thu May 18, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Annual house maintenance costs
Replies: 30
Views: 2620

Re: Annual house maintenance costs

It's very hard to predict house repair costs. If you have a money pit, the sky's the limit for costs, regardless of the house value. A good-shape 7-figure house could have minimal expenses. You have to take a good subjective look at your house, take some educated guesses and projections and go from ...
by rgs92
Tue May 16, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Searching For A Walking Shoe Without Inside Seams
Replies: 5
Views: 618

Re: Searching For A Walking Shoe Without Inside Seams

I really like my Saucony Guide 10s. I don't see or feel any seams. They are extremely comfortable and stable and I have very sensitive feet and I have difficulty finding good shoes that fit right. (I have pronation where my feet turn out. And my feet are big; size 13+/Wide)
by rgs92
Tue May 16, 2017 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 7173

Re: Anyone else agree with my logic on silicon valley housing?

I think you may be looking at this all wrong with bad assumptions. First, is your job secure and at least tolerable? If true, stay where you are and buy place to live that makes you happy and comfortable. The most important thing is to have a job/home/comfort-level that provides you with a feeling t...
by rgs92
Wed May 03, 2017 5:21 am
Forum: Personal Finance (Not Investing)
Topic: Genworth Long Term Care
Replies: 11
Views: 1060

Re: Genworth Long Term Care

I don't understand how these companies can increase the premiums. I got a John Hancock policy 15 years ago through work and the premiums can't go up w/o my permission (to buy extra coverage). And the coverage terms are fixed. I don't think I would have bought the policy if the premiums were open end...
by rgs92
Mon May 01, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 8951

Re: Dealing with regret

$100K lost? That's nothing in life. Only at $500K does it start to matter. By the way, listen to all the divorced men who say their divorce cost them many hundreds of thousands of dollars and it was worth every dime. By far, the most expensive thing in terms of money and beyond is getting stuck in a...
by rgs92
Wed Apr 26, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14943

Re: Retirement income for 50+ years?

11 million dollars? Well, you might as well just put it all in an Ally or PenFed or CapitalOne cash account and have a good life.
That's about $110,000 in interest a year.

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