Search found 508 matches

by rixer
Sun Aug 21, 2016 10:32 am
Forum: Investing - Theory, News & General
Topic: How will you survive a melt up in stocks?
Replies: 10
Views: 2562

Re: How will you survive a melt up in stocks?

Because I am never sure about what the right moves are at times, I put it in a lifestrategy fund and take what it gives me. It will likely be as good as I can do so I just roll with it.
by rixer
Fri Aug 12, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: Should most people use a one fund portfolio or robo?
Replies: 4
Views: 867

Re: Should most people use a one fund portfolio or robo?

My question is: given the very poor results of the average investor, how many of people are cut out to be DIY bogleheads? Would it be better to emphasize one fund portfolios or a robo unless an individual explicitly states a desire to manage their own portfolio? It is my understanding that most of ...
by rixer
Thu Aug 11, 2016 9:07 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 169789

Re: What are you up YTD? [Year To Date]

Right now it's 6.5 with 40 stocks 60 bonds.
by rixer
Wed Aug 10, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Visiting Washington, DC
Replies: 23
Views: 1463

Re: Visiting Washington, DC

When we visited DC last year we were lucky enough to stay at a hotel that was a stop for the hop on hop off trolly. They were running a sept special of 2 days for the price of 1. Since we've never been there before we didn't know the transit system or where we were going. The hop on hop off trolley ...
by rixer
Tue Aug 09, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance
Replies: 14
Views: 1309

Re: Medigap Insurance

I have been on Medicare for 3 years and Plan F High Deductible has worked out great for me. I pay it annually and it is about $470 for the year. Other than the low premiums, what do you like about it? Have you had enough out-of-pocket costs to trigger payment by the plan? I ask because I'm seriousl...
by rixer
Tue Aug 09, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance
Replies: 14
Views: 1309

Re: Medigap Insurance

I have been on Medicare for 3 years and Plan F High Deductible has worked out great for me. I pay it annually and it is about $470 for the year.
by rixer
Tue Aug 09, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Advice on visit to Yosemite
Replies: 34
Views: 2522

Re: Advice on visit to Yosemite

You will be fine. September is a great time to explore Yosemite and although the Valley is always crowded, you just don't want to miss any of it. Especially if you have never been there. It's a special place and Kings Canyon will pale compared to Yosemite. Park the car and take the free shuttle in t...
by rixer
Tue Aug 09, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a will?
Replies: 16
Views: 1536

Re: Reasonable cost for a will?

.....
by rixer
Tue Aug 09, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a will?
Replies: 16
Views: 1536

Re: Reasonable cost for a will?

Low cost? Look at Legal Zoom.
by rixer
Tue Aug 09, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a will?
Replies: 16
Views: 1536

Re: Reasonable cost for a will?

We used a lawyer to do our Living Trust.
It was $1,500.
by rixer
Wed Aug 03, 2016 7:31 am
Forum: Investing - Help with Personal Investments
Topic: No use for managed bond fund I assume?
Replies: 9
Views: 784

Re: No use for managed bond fund I assume?

Wellesley does pretty good with managed bonds.
by rixer
Sun Jul 31, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Family trust. Why?
Replies: 3
Views: 737

Re: Family trust. Why?

You will avoid probate is one reason I was told.
by rixer
Sat Jul 30, 2016 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Finding a Vanguard fund to invest $40,000 for 30 years (401k account)
Replies: 46
Views: 3143

Re: Finding a Vanguard fund to invest $40,000 for 30 years (401k account)

I would choose a lifestrategy fund, probably the growth fund in your case.
by rixer
Wed Jul 27, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 43
Views: 3373

Re: Interesting Interaction with Edward Jones

That's funny because the same thing happened to me at home last week. An EJ salesman knocked on the door to introduce himself as the local EJ guy. I told him I was happy where I was at but he became aggressive. Then since he was being rude I told him I had been with EJ previously and it didn't turn ...
by rixer
Tue Jul 26, 2016 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Online Banks okay ?
Replies: 18
Views: 1355

Re: Online Banks okay ?

Ally is very user friendly plus they pay 1%.
by rixer
Mon Jul 25, 2016 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 6028

Re: 4% rule - Asset Allocation

I heard somewhere that with the 4% rule, along with the inflation added to withdrawal, a 1% mgmt fee was figured in also. Is this right?
by rixer
Fri Jul 22, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16316

Re: How many folks choose to give inheritance to their children in unequal portions?

I have a son who is doing well and a daughter who struggles. I'm seriously considering changing the trust so she gets the house for herself. I have no idea how much money will be left so it could be very uneven when it happens. Still, we think it will make us feel better knowing she'll have a home a...
by rixer
Sat Jul 16, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: $500,000 in cash in retirement account. Now what?
Replies: 29
Views: 4362

Re: $500,000 in cash in retirement account. Now what?

I had a good amount to put in taxable. I purchased funds with half of it and waited. I ended up paying more when I bought the rest. They're are both up now.
Anyway, I'd say just do it.
by rixer
Fri Jul 15, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Any experience with Rover.com?
Replies: 9
Views: 616

Re: Any experience with Rover.com?

We looked into Rover but ended up using DogVacay. We were concerened because our dog hasn't interacted with other dogs and is pretty pampered here at home. We did a couple of meet and greets and settled on a couple who will take up to 2 dogs. She is a stay at home mom so she is there is 24/7. Our do...
by rixer
Tue Jun 28, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 4341

Re: When do YOU rebalance?

I'm retired also and am not adding new money. I've got a lifestrategy fund so I don't have to worry about what's the best time to rebalance. I don't know if this is the best strategy for me but it does take care of all the indecisions.
by rixer
Thu Jun 23, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Recommendations for ready-to-eat Costco meals?
Replies: 28
Views: 3321

Re: Recommendations for ready-to-eat Costco meals?

Don't forget the Potato Salad in the refrigerator section.
by rixer
Sat Jun 18, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Costco - Executive vs. Gold Membership
Replies: 17
Views: 2105

Re: Costco - Executive vs. Gold Membership

One benefit the Executive membership we use is Delta Dental Insurance through Costco. I also use the car rental sometimes but I'm not sure if you need the exec for that.
by rixer
Sat Jun 11, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage today
Replies: 67
Views: 6024

Re: Paid off the mortgage today

Congratulations! It's a great accomplishment to pay off the mortgage. Pat yourself on the back. We worked hard to pay it off and its a great feeling. The funny thing is that we never really noticed any difference in our lives because we were still living below our means and contributing everything w...
by rixer
Sat Jun 11, 2016 8:15 am
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 4667

Re: Inevesting Mistakes or Regrets

I've been too conservative but as I'm now retired I don't want to become more aggressive at this point.
by rixer
Wed Jun 08, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Another "should I pay off the mortgage post?"
Replies: 29
Views: 3331

Re: Another "should I pay off the mortgage post?"

If you were or are willing to do that, why didn't you go with a 15-year fixed to begin with? (or 10-yr for that matter). Surely that was an option, and they're virtually always at a lower rate as compared to the 30-yr. I liked the flexibility that the 30 year gives me in case we run into trouble. T...
by rixer
Tue Jun 07, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Advisor Services suggests plan....
Replies: 41
Views: 4963

Re: Vanguard Advisor Services suggests plan....

I'm using the lifestrategy fund just because of what the OP is talking about. It keeps everything in balance and funded when I would struggle with myself to make those decisions. The cost is reasonable to me at .13.
by rixer
Tue Jun 07, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard funds in other brokerage accounts
Replies: 5
Views: 740

Re: Buying Vanguard funds in other brokerage accounts

I've been a Schwab client for years, I like their customer service and their website is extremely user friendly. My situation is different because I'm now retired but I have Vanguards lifestrategy fund. Schwab charges a fee to purchase it but there's no charge to sell. Because I do not contribute to...
by rixer
Sun Jun 05, 2016 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Comparable 4 fund portfolio?
Replies: 8
Views: 826

Re: Comparable 4 fund portfolio?

What would be wrong with just getting a lifestrategy fund and be done with it?
by rixer
Sun Jun 05, 2016 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Early payoff of the house or investment
Replies: 31
Views: 2369

Re: Early payoff of the house or investment

The nice thing about a 30 year loan is if things are tight, you can get by with a lower payment. Anyway, I'd pay down the loan with monthly installments and keep the proceeds ($60,000) from your rental sale safe. You can use that to pay the final balance off when the time comes and it will be there ...
by rixer
Thu Jun 02, 2016 11:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1052
Views: 169789

Re: What are you up YTD? [Year To Date]

We are at 3.45% with a 40/60 split. Pretty much lifestrategy conservative growth.
by rixer
Tue May 24, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house?
Replies: 43
Views: 2464

Re: Should I buy a house?

OP, 1) You will be "House Poor" after buying the house. We know fair amount of stories of what happened to "House Poor" people. The story always start with "I do not want to waste my money with rent and I want to build equity". Many of them ended with foreclosures and ...
by rixer
Mon May 23, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 101
Views: 6216

Re: Painting House Interior - How easy to do it yourself?

Check out Youtube tutorials.
by rixer
Sun May 22, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1832

Re: Pride in no inheritance to kids?

I'm retired now and the kids are adults and have their own careers. We never had a high income and got started saving for retirement late. We lived below our means and did without for years. We don't have a lot of retirement savings but we think with that and SS, we'll be able to make it. If there's...
by rixer
Sat May 21, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20117

Re: Is there a such thing as a blue collar Boglehead?

I'm a blue collar guy. I was in the carpet trade all my life and was never a high income earner. I learned a lot here and have become a passive index investor with our portfolio. I don't have millions but I think we all gain from having a Boglehead mentality. :sharebeer
by rixer
Mon May 16, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 123
Views: 14946

Re: 15 vs 30 yr mortgage

I was self employed and never knew what my income was going to be. I don't have all the math down like others here but this is what worked for me. I took the 30 year mortgage and sent in extra to be taken from the principle each month. This way, I was able to prepay the mortgage off way early but ha...
by rixer
Sat May 14, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: Best withdrawal strategy?
Replies: 16
Views: 1641

Re: Best withdrawal strategy?

I use a lifestrategy fund. I'm retired but haven't yet withdrawn any funds yet except for the dividends I take from the taxable . I plan on selling off enough of the fund once a year for living expenses. For us in the 15% bracket, it works out okay. Plus we love the simplicity.
by rixer
Thu May 12, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 141
Views: 15808

Re: Renting vs owning

The problem I have with renting is after 30 years of renting, you move and walk away with nothing. To make it worse, they will likely find a way to keep your security deposit too. When you buy, after 30 years, you own that house and have much equity. To me, owning is the better way. In 30 yrs i wil...
by rixer
Tue May 10, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Laminate Flooring Installers - finding local contractors
Replies: 14
Views: 1053

Re: Laminate Flooring Installers - finding local contractors

Try Yelp. You can also check reviews of their work there.
by rixer
Sat May 07, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: I'm now debt free and...
Replies: 37
Views: 5060

Re: I'm now debt free and...

Congrats! The funny thing with me was we paid off the house and all the other debts but never really felt the benefit. That's because we just kept living frugally and saving everything else while preparing for retirement. After retirement the benefit is obvious. With no more saving huge amounts for ...
by rixer
Fri May 06, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Fingernail Polish on my carpet, call leasing office?
Replies: 11
Views: 1415

Re: Fingernail Polish on my carpet, call leasing office?

If there is some spare carpet, hire a carpet repairman to cut out the damaged piece and replace it with the new donor piece. It will probably cost around $100and be invisable. Sometimes they can get a piece from a closet if there's nothing left over from installation. To keep trying to clean it will...
by rixer
Fri May 06, 2016 8:41 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 4175

Re: Retirees: Who's not changing their AA, ever?

I'm 67, retired 3 years, no mortgage, no pension. I'm at 40-60 and will likely stay here for the duration. I sometimes struggle with going to 50-50 but it seems 40-60 is more my comfort zone.
by rixer
Wed May 04, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: New senior investor
Replies: 17
Views: 2300

Re: New senior investor

Have you considered the Life Strategy Conservative Growth Fund (VSCGX)? It may be something that will work for you. It's a 40-60 (stocks/bonds) balanced fund comprised of the 4 Vanguard index funds usually recommended. It's pretty low cost at 0.13 and it's something you can set and forget.
by rixer
Wed May 04, 2016 12:03 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 7234

Re: How many funds in your portfolio?

One.VSCGX
by rixer
Fri Apr 29, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 141
Views: 15808

Re: Renting vs owning

The problem I have with renting is after 30 years of renting, you move and walk away with nothing. To make it worse, they will likely find a way to keep your security deposit too.
When you buy, after 30 years, you own that house and have much equity. To me, owning is the better way.
by rixer
Sun Apr 10, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: new Vanguard paper on active management
Replies: 28
Views: 2122

Re: new Vanguard paper on active management

larryswedroe wrote:http://www.advisorperspectives.com/articles/2016/01/12/has-vanguard-added-value-as-an-active-manager

Here's my analysis on Vanguard's active funds

Larry


I wanted to read that Larry but the pop up ad was so distracting I had to exit the site. :(
by rixer
Sat Apr 09, 2016 7:33 am
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 7822

Re: Are you planning to leave an "estate"?

No. But they're welcome to whatever is left. :beer
by rixer
Fri Apr 08, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 4879

Re: do you do airbnb ??

I've only used Air B&B once. We rented a condo in Kona. It had over a hundred reviews and most of them were glowing so we took a chance and rented it for two weeks. It was great! cost was something like $115 per day and it was right on Ali'i Dr. We can't wait to go back. We'll use Air B&B ag...
by rixer
Thu Apr 07, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Experience with COSTCO refilling ink cartrridges?
Replies: 8
Views: 1201

Re: Experience with COSTCO refilling ink cartrridges?

I've never had good luck with refills. I've found replacement cartridges on Amazon to be very well priced. I can get three packages of ALL colors for around $10 and they work fine.

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