Search found 1462 matches

by rgs92
Fri Dec 15, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Simplicity"
Replies: 17
Views: 18322

Re: What Experts Say About "Simplicity"

Awesome post. Thanks a million Taylor!
by rgs92
Wed Dec 13, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: buying Vanguard VTI in my Etrade acct verses Vanguard?
Replies: 4
Views: 233

Re: buying Vanguard VTI in my Etrade acct verses Vanguard?

Fidelity is better for buying ETFs. You could get the Ishares total stock market ETF ITOT (the equivalent of the Vanguard one, VTI) at zero commission. Or you could just buy VTI at the same $4.95. It looks like Etrade doesn't have a good set of no-commission ETFs. At Fidelity, you can also buy their...
by rgs92
Wed Dec 13, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Prices paid for 2018 Honda Odyssey EX-L
Replies: 10
Views: 1001

Re: Prices paid for 2018 Honda Odyssey EX-L

Try cargurus.com or ebaymotors.com or vroom.com. Look for CPOs. Carvana is also good. This will give you a good idea of what you should pay.
by rgs92
Wed Dec 13, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Variable Annuities / REITs
Replies: 11
Views: 782

Re: Vanguard Variable Annuities / REITs

Vanguard Variable Annuities are actually not that bad relatively. They are essentially the only VAs to consider I believe. What you are mainly paying for is insurance that, if the portfolio value goes down, your heirs will have the original value of the portfolio as I understand it. That's what the ...
by rgs92
Tue Dec 12, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2047

Re: NYC restaurant suggestion

Wo Hop at 17 Mott Street is very good. It's been there for almost 70 years and is very popular. I was there several times. The food is very fresh.
https://www.yelp.com/biz/wo-hop-new-york
by rgs92
Mon Dec 11, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Firefox upgrade broke my add-on, switched to Waterfox
Replies: 28
Views: 3598

Re: Firefox upgrade broke my add-on, switched to Waterfox

Thanks for the tip, I never heard of Waterfox. Also give a try to Vivaldi. It has nice flexible bookmark/link arrangements.
by rgs92
Mon Dec 11, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 44
Views: 6127

Re: For those retired at least 10 years, what about the money?

The problem with those cheap cars like Camry and the like is that they are awfully uncomfortable and cramped and seem to be getting smaller to the point where they are impossible to sit in (for me at least). As I get older, comfort is a paramount concern and I find a a larger and more expensive car ...
by rgs92
Mon Dec 11, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 21
Views: 1325

Re: No transaction fee for Vanguard ETFs?

Fidelity sells many ETFs for zero commission, about anything anyone could want. You can buy or sell the shares for free (as long as you are not doing frequent short term trades in and out of the same ETF). Schwab also does the same. No-commission trades (within various over-trading limits) are now c...
by rgs92
Fri Dec 08, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1095

Re: router - can I set it up myself?

When I had Verizon FIOS installed, the Verizon installer guy couldn't get the newest version of the official Verizon router to work so he had to just use my old one that is a couple of generations old. So I've been reluctant to even try the newer routers since I'm afraid it won't work.
by rgs92
Thu Dec 07, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5271

Re: Recommended places to live

Seattle is a really nice place to live IME. A decent but not extravagant house there is about $600K - $1M.
It has the mountains and water you mentioned.
That's cheaper than NY or the Bay area. Good luck.
by rgs92
Thu Dec 07, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6490

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I don't know, since you are a FTE (not a contractor), that's a big plus and a privilege. So my advice would be to stay where you are unless you could get a gov't job (which these days is the pot of gold at the end of the rainbow with job security/pension and all that). IT jobs have been hard to get....
by rgs92
Mon Dec 04, 2017 2:55 am
Forum: Investing - Help with Personal Investments
Topic: cash out pension or no?
Replies: 9
Views: 1157

Re: cash out pension or no?

The annuity is about 20% higher than you could get in the private market, so the annuity is better.
(I see JW says the same thing basically above, so I second that good advice.)
by rgs92
Sun Dec 03, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: BH Volvo XC90 Review
Replies: 20
Views: 2354

Re: BH Volvo XC90 Review

How is the driver's seating position and legroom/footroom? In every previous Volvo I tried, although the seats themselves were excellent, I felt cramped and awkward, and my feet did not have enough footwell room. And they had this strange upright left-foot footrest that pushed my left foot upwards v...
by rgs92
Thu Nov 30, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Should I consider a travel Credit Card?
Replies: 30
Views: 2137

Re: Should I consider a travel Credit Card?

Bank of America Premium Visa ($95/year) gives you $500 in cash rewards as soon as you spend $3,000 on anything (- $95 fee).
After that, it has pretty good travel rewards. Nice deal IMHO.
by rgs92
Thu Nov 30, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10401

Re: Price of haircut?

I auto pay $30 a month for "unlimited" cuts. I go twice a month and service includes shaving my head and neck, shampoo and a roughly 10 minute scalp massage. I tip $5 each time. Awesome arrangement. I never heard of a haircut subscription (and with grooming/extras too!). I'm envious. You learn some...
by rgs92
Thu Nov 30, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: How would SPIAs purchased within a traditional IRA affect RMDs?
Replies: 1
Views: 175

How would SPIAs purchased within a traditional IRA affect RMDs?

I purchased substantial amounts of SPIAs (single premium immediate annuities) from a traditional IRA years ago and have been taking (taxable) payments from them for years. Down the line, when RMDs are needed, since I still have other funds in traditional IRAs, how does this mix affect things? The SP...
by rgs92
Thu Nov 30, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: How are SPIA's taxed if taken from taxable or taxed deferred?
Replies: 31
Views: 1721

Re: How are SPIA's taxed if taken from taxable or taxed deferred?

Could SPIA payments from one within a ROTH IRA be affected by the AMT rules?
In other words, would ROTH-dwelling SPIA payments to me count towards AMT-vulnerable income?
by rgs92
Tue Nov 28, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation [in market crash]
Replies: 38
Views: 1935

Re: Asset Allocation [in market crash]

Actually, I think Vanguard Balanced Index has a 60/40 stock/bond ratio. Here's what it says: The investment seeks to track the performance of the benchmark index that measures the investment return of the overall U.S. stock market with 60% of its assets; the fund seeks to track the performance of a ...
by rgs92
Tue Nov 28, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 40
Views: 5920

Re: closet organizing system

I just like to stack up those plastic rubbermaid things with plastic drawers. Then I can reorganize or change things around or refresh things at will.
by rgs92
Tue Nov 28, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: new TCL 55 4k TV has washy, pinkish cast
Replies: 18
Views: 991

Re: new TCL 55 4k TV has washy, pinkish cast

I only buy Sony TVs exactly because they seem to have the most natural, non-fatiguing color tones to my eyes I have 4 of them now purchased over the last 10 years and they are all excellent. In Best Buy, in A/B comparisons in front of me, the Sonys still look the best to me. Just my experience here....
by rgs92
Sun Nov 26, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to liquidate Wealthfront
Replies: 27
Views: 2538

Re: Best way to liquidate Wealthfront

I feel that the 50% international-stocks allocation of the *total portfolio*, not just of the equity portion, if way too high. And the emerging market part is also far too much. There is too much risk going on here I feel. (I see others here have mentioned this also.) Good luck to you, but that's my...
by rgs92
Sat Nov 25, 2017 2:12 am
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 47
Views: 3589

Re: How Much Would You Spend on a Blender?

I've actually been using a Waring commercial blender for about 15 years to make my smoothies and it just seems to live forever. Here's a current version of mine ($284): https://www.amazon.com/Waring-Commercial-MX1050XTX-Electronic-Copolyester/dp/B005K8NPBS/ref=pd_lpo_vtph_79_tr_img_2 I have replaced...
by rgs92
Fri Nov 24, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course or?
Replies: 9
Views: 1303

Re: Stay the course or?

Why so much cash? This should be put in something like VBIAX (Vang. Balanced Index Admiral). I would do it all at once. Set and forget it. Good luck to you; you are doing well. It's hard to understand though why you say your net worth includes your mortgage (which would be a fairly large negative on...
by rgs92
Fri Nov 24, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 213
Views: 16298

Re: Anyone tired of the stock market going up?

My portfolio generates about the same income from interest and dividends all the time (and maybe goes up gradually) regardless of the market value of the underlying securities. That's what the portfolio is for, generating income. So I rationalize that I can happily ignore the market, up or down. Edi...
by rgs92
Fri Nov 24, 2017 1:37 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2862

Re: CAR: Buy new, buy used (2016), lease new

Buying it new and financing for 60 months should be fine for you. These days car dealers have good rates. PenFed and Ally are good too. Just be sure to sit in and drive around for while to make sure it's comfy for you. Sitting in a Civic drivers seat is torture for me. The Accord and Camry drivers s...
by rgs92
Fri Nov 24, 2017 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Job Downsizing Question, HELP!
Replies: 18
Views: 1481

Re: Job Downsizing Question, HELP!

I think you should just stay where you are with the pay cut. It happens all the time in companies. It would be hard for you to find another non-contracting job since you are not in your 20s or early 30s. Where I come from, there were furloughs, temporary 10% salary reductions, demotions, outsourcing...
by rgs92
Thu Nov 23, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4449

Re: Replace TVs with Smart Tvs or not?

If you just send video from the cable box to the TV by coax (and not by HDMI), it won't be in HD, FWIW. If the reason for this is that there is only one HDMI input on the TV, you can get a little switching box to choose the HDMI source. They are on Amazon and elsewhere. Good luck. As far a fancy TVs...
by rgs92
Thu Nov 23, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4449

Re: Replace TVs with Smart Tvs or not?

I think that it makes the most sense to look at a TV as basically just a simple monitor, an output device for a set of video signals with no intelligence other than to choose what video signal comes into it. [Even audio should not go to the TV, but from the analog audio outputs of the cable box or w...
by rgs92
Thu Nov 23, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Portfolio Advisory service?
Replies: 22
Views: 1522

Re: Fidelity Portfolio Advisory service?

The Fidelity service is high priced (about 7/8ths of 1% AUM a year). Plus, they put you in managed funds with expense ratios of about .5 to .7 %. I would avoid it and just use the premium index funds for a standard 2 or 3 fund portfolio. Their advice is not worth it and is probably a negative. If yo...
by rgs92
Thu Nov 23, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity or lump sum
Replies: 8
Views: 676

Re: Annuity or lump sum

The annuity is much better. You are getting the cost of living increase for free (and then some).
by rgs92
Thu Nov 23, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

Because you have hundreds of MS Office files, I would actually classify you as a more of a power user, not a candidate for just-basic capabilities. Also, since you have all this on your local machine, I think moving everything to the cloud with GoogleDocs or something similar is too much work and ba...
by rgs92
Wed Nov 22, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4842

Re: Best Basic DESKTOP?

I use PCC (Puget Custom Computers) for my desktops. Mine is still going strong with no hardware changes for over 7 years now, and it's nice and quiet (a mid-level Serenity model). They are there for questions live on the phone if you need them. (Who does that anymore?)
I have great respect for them.
by rgs92
Wed Nov 22, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care policy advice
Replies: 9
Views: 777

Re: Long term care policy advice

Those benefits are far too low to be much good. I have over $700/day with a $1.3+ million total lifetime benefit. I pay $378/month. That's for 1 person. I don'y like paying that much (x2 actually for my wife and me), but what can you do if you don't have anyone else to take care of you? That's just ...
by rgs92
Wed Nov 22, 2017 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26153

Re: Why not take Social Security at 62

Actually, even 70 seems like an arbitrary time to take it; you can do the equivalent of taking it even later in life by just investing the proceeds starting at age 70 for use later.
by rgs92
Sun Nov 19, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 155
Views: 14067

Re: Is holding bonds now dangerous?

A flight to quality can happen anytime. And bonds are the place to be when this happens.
by rgs92
Thu Nov 16, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5222

Re: Where did you first learn about investing?

I started watching Wall Street Week. Lou and his panel guests influenced me. Peter Lynch inspired me every time I saw him. He seemed very honest and down to earth and not trying to sell me anything.
by rgs92
Wed Nov 15, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3910

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

CT,NJ,IL, the NYC suburbs... they are all in bad fiscal shape (pension problems and all that). But if you have a good income and can afford the property taxes, it's fine. They are all very nice places to live. They have a great quality of life, are nice and safe, and they are full of some of the wea...
by rgs92
Wed Nov 15, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 76
Views: 10645

Re: 55+ Early retirement offer.

I would hang on to your job if it doesn't drive you crazy unless you really want to retire right now for personal reasons. It will probably take them years to let you go if you stay, so look at it from that perspective. If you leave, any other job you get would probably be some sort of contracting j...
by rgs92
Wed Nov 15, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1859

Re: Honda Accord Hybrid EX-L- great deal or not?

OK, it sounds like you did good research and you like the car, so it sounds like a go. The dealer usually likes it when you finance through them, so I would offer to do that if they toss a few dollars back; say you are considering financing elsewhere or paying cash and see what they say. They may gi...
by rgs92
Tue Nov 14, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1859

Re: Honda Accord Hybrid EX-L- great deal or not?

Well, personally I would never buy a hybrid since oil (gasoline) is cheap and in over-supply (the shale boom had a lot to do with this). And hybrid cars are more complex and could easily have higher repair costs over the long haul. That's probably why I think the price is low, as there is a demand p...
by rgs92
Mon Nov 13, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3485

Re: Do telecom stocks have a future?

Again, thanks to everyone for all this info. I guess their is something to be learned in the GE 50% dividend reduction today. Cheers to all the commenters here.
by rgs92
Mon Nov 13, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 2574

Re: Audiophile Headphones

Check out headphones by Grado . I have the SR80-e which is $99. I would avoid anything by Sony. Most audiophiles look down on those kind of popular brands... The Sony MDR-Z1R, although having a relatively unique sound signature, is loved by many. There are also those who are not fans of it. I think...
by rgs92
Mon Nov 13, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3622

Re: Chromebook vs Windows 10?

After decades of using Microsoft PC operating systems, I feel Windows 10 finally got it right. It is intuitive, flexible, and rarely buggy, and bugs that appear seem to happily go away on their own. (And there is always some workaround like changing browsers.) Disk management and hardware compatibil...
by rgs92
Mon Nov 13, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Is the 4% SWR still valid because inflation is low despite low rates?
Replies: 5
Views: 672

Is the 4% SWR still valid because inflation is low despite low rates?

Many posts here say the very low interest rates mean that the 4% SWR (Safe Withdrawal Rate) is too generous. But since inflation seems to be stubbornly stuck at 2% or less, doesn't that support the 4% SWR since the nominal inflation adjusted amounts taken each year will be smaller? Thanks for any in...
by rgs92
Mon Nov 13, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: do I need two different credit card companies
Replies: 14
Views: 1264

Re: do I need two different credit card companies

I think you should also have the Citibank Double Cash card for the 2% reward also just for the nice cash back. (This card is a favorite on BH if you search for posts about it. It is though the same bank as the Costco card, but it still is worth having.)
by rgs92
Sun Nov 12, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: How do you project the amount you will have to spend annually in retirement?
Replies: 76
Views: 4390

Re: How do you project the amount of income you will have in retirement?

I double our current expenses in retirement and put 25X on top of that. Or, take our current retirement expenses and put 50x on it. That would translate $160K into 8 million dollars for me, which is quite a stretch in my case. Even I allowed for social security, it still would be between 5 and 6 mi...
by rgs92
Sun Nov 12, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much spending would this retirement situation support?
Replies: 4
Views: 670

Re: How much spending would this retirement situation support?

OK, thanks. Yes, the social security numbers are correct (actually, the real numbers are even a little higher).
Yep, to get a fixed annuity of $100K a year is about $1.6 to $1.7 million. But again, that's not inflation adjusted.
Thanks for the comments.
by rgs92
Sun Nov 12, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 41
Views: 4269

Re: Warm Shirt for Winter

I like layers so I can shed layers at will if I get hot. It's adjustable.
by rgs92
Sun Nov 12, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7506

Re: Personal letters to the sellers of your house can work!!!

The only thing I would think is useful in a letter is to let the buyers know you have a lot of backup money to go ahead with the purchase in case the house doesn't appraise or repairs are needed. As a seller, I would certainly rather sell to someone who is not hanging by a financial thread or levera...
by rgs92
Sun Nov 12, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: How much spending would this retirement situation support?
Replies: 4
Views: 670

How much spending would this retirement situation support?

With these numbers, how much could someone (a married couple) use annually for income [1] as a gross amount before taxes are taken; [2] as a net amount after federal taxes are paid; ? Let's say 60 years old. A. Fixed (non inflation adjusted) lifetime pension: $100,000 a year. B. Social Security avai...