Search found 492 matches

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: 120
Views: 6949

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: 4253

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: 579

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: 4154

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: 3124

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: 2013

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: 5900

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: 4553

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: 3260

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: 4811

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: 720

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: 813

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: 2270

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: 1004
Views: 155047

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: 2390

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: 6013

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: 1548

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: 149
Views: 12771

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: 14565

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: 1587

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: 15383

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: 1026

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: 4979

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: 1391

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: 4056

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: 2255

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: 7004

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: 15383

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: 2066

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: 7647

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: 4759

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: 1179

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.
by rixer
Sun Mar 20, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1740
Views: 387595

Re: What Movie Have You Recently Watched?

Black Mass
The story of Whitey Bulger
Very good.
by rixer
Sat Mar 19, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 9472

Re: Millionaire Next Door and Budgeting

I was always in the "Pay Yourself First" method like Klang fool. We always took a certain percentage out of every deposit for: 1. Prepaying the house 2. Funding retirement 3. Property taxes 4. General savings We simply lived on what was left. It worked out well for us this way but everyone...
by rixer
Tue Mar 15, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Family Trust and Death of First Trustee
Replies: 10
Views: 1187

Re: Family Trust and Death of First Trustee

I don't know the legality but here is the way we handled it. The wife's parents had a family trust. The mother passed and though instructions on the trust said to confer with the atty when one passes, the father did nothing as it's all community property and joint accounts. He just continued on with...
by rixer
Wed Mar 09, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 17440

Re: Netflix, Your Current Favorite Show

Person of Interest
White Collar
by rixer
Fri Feb 26, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Tips On Carpet Replacement?
Replies: 2
Views: 411

Re: Tips On Carpet Replacement?

Just remove all items from the floor and any hanging items that are lower than waist high. That will be fine.
by rixer
Thu Feb 25, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Candlewax on Carpet?
Replies: 9
Views: 944

Re: Candlewax on Carpet?

You can put a white rag over the glob of wax and place a cloths iron over it, checking it every 20 seconds. That works well to get the wax out of the carpet. The problem is that many times, the wax will be removed but the dye from the candle has stained the carpet. You'll need a specialty stain remo...
by rixer
Fri Feb 12, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Delta lost my luggage...
Replies: 29
Views: 3360

Re: Delta lost my luggage...

This doesn't help for your immediate issue but I have learned to travel with only a carry on.
Problem solved.
by rixer
Fri Feb 12, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: Any regrets by people 50+ for having a conservative portfolio in their 30's
Replies: 68
Views: 8315

Re: Any regrets by people 50+ for having a conservative portfolio in their 30's

I'm retired now and I do wish I would have been more aggressive when younger. I regret that I never really invested much more than 40% in stocks. Now that I'm retired, no way am I comfortable going higher so I plan on staying 40/60 for the duration.

Still, it's worked out okay.
by rixer
Fri Feb 05, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 38
Views: 3142

Re: Where to Stay in San Francisco?

We like the Union Sq district and staying at the smaller boutique hotels. Getting around is best without a car because Sf has a fine transit system. Be sure to go to North Beach and see Beach Blanket Babylon. It's not to be missed in my opinion. The Tonga Bar in the Fairmont is also fun if you want ...
by rixer
Fri Feb 05, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 12652

Re: Anyone travel without hacking?

I just use my costco amex when I travel and take the rewards when they distribute.
by rixer
Thu Feb 04, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Suggested AA for Retirees
Replies: 11
Views: 984

Re: Suggested AA for Retirees

I'm in somewhat the same situation. I chose to be 40/60 and will likely stay there.
by rixer
Wed Feb 03, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 7516

Re: What age did you retire

Retired at 64.
by rixer
Tue Feb 02, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1740
Views: 387595

Re: What Movie Have You Recently Watched?

We watched "Reasonable Doubt" last. It's about a prosecuter who goes out drinking one night and runs over a man in the street. They arrest another guy (Samual Jackson)for the murder and the prosecuter has the job of trying this guy for the crime he has committed. It's on Netflix and a good...
by rixer
Sat Jan 30, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: 3 Years to Obsolescence - SONY Blu-Ray YouTube App
Replies: 22
Views: 3115

Re: 3 Years to Obsolescence - SONY Blu-Ray YouTube App

Does anybody use one of those android tv boxes? I see them on Amazon and even at a Home Show here in town. They claim they receive everything that's streamed and there's no charge except for the one time purchase of the box, which is from $40-$130 depending on brand. There is also a brouser on them....
by rixer
Fri Jan 29, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2685

Re: Buying Carpet and Painting

The main problem with the big box stores is the installation. They contract out the labor and those contractors sub it out to installers at low rates. In order for the subs to make decent money, they must work fast and that means cutting corners in most cases.
It doesn't always end well.
by rixer
Thu Jan 28, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Question about the timing of SS filing
Replies: 9
Views: 1008

Re: Question about the timing of SS filing

One thing I didn't count on was that besides having to wait a month, if your birthdays are near the end of the month, your benefit will come on the 4th Wed of the month. So you may actually have to wait 2 months to get your first check.

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