Search found 32 matches

by EvanRude
Sun Jan 03, 2021 7:30 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads dinosaurs when it comes to Bitcoin?
Replies: 270
Views: 11289

Re: Are Bogleheads dinosaurs when it comes to Bitcoin?

Dinosaur? If my arms weren't so short I'd swat you!

The Greater Fool Theory is great until the music stops.
by EvanRude
Sun Jan 03, 2021 6:55 pm
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 319
Views: 23532

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

Absolutely. Never saw the value in paying someone to tend my yard while also paying money to go to a gym to work out! We downsized this year so it takes less time than ever.

I do pay for chemical lawn treatments. Don't want to store and use the chemicals and equipment, and don't know what/when/etc.
by EvanRude
Mon Nov 23, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Who bought an iPhone 12 Mini, and what do you think?
Replies: 47
Views: 5542

Re: Who bought an iPhone 12 Mini, and what do you think?

DW just replaced an iPhone 6S with an iPhone 12 mini and is very happy. Your view on battery life might depend on where you are coming from. 12 mini has far better battery life than 6S. The optional 20W charging block charges the battery very fast - I think the stated rate is 50% in 30 minutes. Ever...
by EvanRude
Fri Nov 06, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: how good is your 5G coverage?
Replies: 69
Views: 3722

Re: how good is your 5G coverage?

inverter wrote: Fri Nov 06, 2020 7:30 pm Live in New York City and got 400 mbps down on my iPhone 12 at ice cream last night!
Other than SpeedTest, what did you do with that 400 mbps?
by EvanRude
Mon Oct 19, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: Smoke/CO detectors with strobe lights
Replies: 12
Views: 464

Re: Smoke/CO detectors with strobe lights

You may see current products reference UL217 today but the new requirement to look for is UL217 8th Edition. Kidde has data sheets and user manuals dated Aug 2020 for products, apparently not yet for sale, that reference UL217 8th Edition that I randomly found searching for info on their TrueSense p...
by EvanRude
Sat Oct 10, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2522
Views: 256156

Re: [What TV Show Have You Recently Watched?]

Peakey Blinders
Fauda
Schitts Creek
by EvanRude
Sun Sep 06, 2020 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can anyone suggest a joint checking account?
Replies: 58
Views: 2950

Re: Can anyone suggest a joint checking account?

While we have simplified to one joint checking in retirement, for many years we had 2 joint accounts - one hers, the other mine - at the suggestion of an Episcopal priest’s pre-marriage counseling. That gave each spouse flexibility and some independence. We divided household bills based on the diffe...
by EvanRude
Wed Sep 02, 2020 5:55 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 356
Views: 29610

Re: What is your age and asset allocation ?

61, retired, no debt.

50% equities (70% domestic/30% intl)
45% bonds (70% domestic/30% intl)
5% money market
by EvanRude
Fri Dec 13, 2019 1:01 pm
Forum: US Chapters
Topic: RTP, NC Chapter Meeting 9:30 AM Sat December 14, 2019
Replies: 6
Views: 1449

Re: RTP, NC Chapter Meeting 9:30 AM Sat December 14, 2019

Look forward to being there.
by EvanRude
Tue Dec 03, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: How is Columbia SC, for living ? transition to semi retirement ?
Replies: 26
Views: 3205

Re: How is Columbia SC, for living ? transition to semi retirement ?

I've never lived in Columbia but have spent a whole lot of time there on business since the mid 90s until a couple of years ago. I find Columbia to be a very comfortable city. It is the state capitol, home to a large university (USC) and other colleges, and is home to the US Army basic training at F...
by EvanRude
Tue Dec 03, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Monovision contacts?
Replies: 23
Views: 1639

Re: Monovision contacts?

Had monovision contacts for years which really worked well for me. When replacing cataracts in both eyes over a couple of years the Doctor "installed" monovision lenses - as it so happened distance first, then close. Nice not having to mess with contacts every day. Don't use reading glasse...
by EvanRude
Sun Nov 24, 2019 9:23 pm
Forum: Personal Investments
Topic: Asset Placement of Vanguard International Growth (VWIGX/VWILX
Replies: 3
Views: 769

Re: Asset Placement of Vanguard International Growth (VWIGX/VWILX

International stock should go in a taxable account to not "forfeit" the tax credit for foreign tax paid. See the same link above.
by EvanRude
Thu Oct 31, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14490

Re: Apple Pay. Does anyone use it?

I use credit and debit card info within Apple Pay whenever possible, but still carry wallet as before for those places that don't yet support it. Have not applied for an Apple credit card and probably won't at this point. Using Apple Pay with a debit card results in the transaction being posted much...
by EvanRude
Tue Aug 13, 2019 10:05 am
Forum: Personal Investments
Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
Replies: 97
Views: 8291

Re: Can having wealthy parents be a justification for a more aggressive investment strategy?

100% equities provides nothing with which to rebalance in case of a market correction. 90/10% can over time provide a better return than 100%. Waiting for or expecting an inheritance can be corrosive to your soul. Go live your life and chart your own path. You have already inherited much from your p...
by EvanRude
Sun Jul 28, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 21141

Re: Why Mr. Bogle prefers U.S stocks

Our AA goal is 55% equities (65% US/35% ex-US), 40% fixed income (70% US/30% ex-US) and 5% short term reserves. Reading this thread caused me to question whether we are truly comparing apples to apples when comparing the returns of US and ex-US funds. The ex-US funds, say VTIAX Total Intl Stock Mkt ...
by EvanRude
Fri May 24, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 6460

Re: Relocate to Charleston SC?

Charleston is an extremely nice place to visit. However, I would worry as a resident about tidal floods ("sunny day flooding") and storms in general. A neat website that projects flood risk (now for VA to FL) is floodiq.com. Good luck in your decision.
by EvanRude
Tue Apr 02, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 38514

Re: "The best and worst U.S. states for retirement"

Keep in mind that temperatures in both Minnesota and South Dakota are 68 degrees year round - IF you just don't go outside.
by EvanRude
Tue Apr 02, 2019 12:51 pm
Forum: Personal Investments
Topic: Large Cap/Small Cap allocation split
Replies: 13
Views: 1755

Re: Large Cap/Small Cap allocation split

Do not use TSM because of a couple individual stocks with high capital gains. However, I aim to match the allocation in Vanguard's Portfolio Watch Stock Analysis section which shows the current domestic equity market is 74% large cap, 19% mid cap, and 7% small cap. Assume TSM is more or less at this...
by EvanRude
Fri Mar 22, 2019 9:22 am
Forum: Personal Investments
Topic: Muni bond fund in taxable account: state (CA) or national
Replies: 24
Views: 2131

Re: Muni bond fund in taxable account: state (CA) or national

To the question of whether CA munis are safer than national - this depends on whether you think that once the "big one" hits and CA is geographically split from the mainland whether it is CA or the mainland that will sink. (Sorry!)
by EvanRude
Fri Mar 22, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Old Laptop - Keeps Freezing - Help!
Replies: 21
Views: 1316

Re: Old Laptop - Keeps Freezing - Help!

If you don't want to start over and install a clean copy of Windows consider getting Norton Utilities, or a similar program, to tune up the Old Laptop.
by EvanRude
Fri Mar 22, 2019 9:11 am
Forum: Personal Investments
Topic: My fee's are too [darn] high!
Replies: 32
Views: 4787

Re: My fee's are too [darn] high!

Prepping my letter to my current FA to part ways, and need to set up accounts to transfer assets to. I have accounts w/ Schwab and love their site and customer service, but have read great things about Fidelity here as well. Just taking the temp here to see if people put all their eggs in one baske...
by EvanRude
Sun Nov 04, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 136
Views: 44767

Re: Vanguard - Four Fund Portfolio

I aspire to a simple Four Fund Portfolio. At age 59 my AA today is 55% equities (65% domestic, 35% international), 40% bonds (70% domestic, 30% international), and 5% money markets. I say aspire because instead of only Total Stock Market for domestic equities I use a mixture of 500 Index, Mid Cap In...
by EvanRude
Sun Nov 19, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 6069

Re: Your favorite Costco wines?

Talk a friend who is a member into buying wine on your behalf. Otherwise, you can't even get in the warehouse. Try a one year membership - it really is not that expensive.
by EvanRude
Sat Oct 21, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 11626

Re: How many miles/years do you keep your car?

Just today we traded DW's 2005 Lexus ES330 with only 109k miles for a L-Certified 2014 ES300h with 33k miles. Twelve years and no problems whatsoever, but it was time for tires, alignment, front and rear brakes, new powering steering fluid, etc. , and a major 120k service in the next year or so. It ...
by EvanRude
Sat Oct 21, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 10111

Re: Paying for medical school for son?

Our son is in medical school at a prestigious private institution after a full undergrad academic scholarship at an in-state public university. We didn't pay a dime for his undergrad. Our approach has been for him to apply for Perkins and institutional loans that don't start accruing interest and be...
by EvanRude
Thu Oct 12, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 178
Views: 32798

Re: What's your asset allocation and why?

On the way from 70/30 to 60/40 - currently at 65/35. 70/30 US/Intl for the Equity and Bond portion. Within the US Equity I use Vanguard Portfolio Watch/Stock Analysis as a guide for Large, Mid, and Small allocation. (Don't use Total Stock Market or Total International Stock Market because still have...
by EvanRude
Sun Jul 23, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 113
Views: 16236

Re: US and International Bond Fund Allocation

Domestic bonds are 24% of our total invested portfolio, and international bonds are 10% of the total. A comparison of total return from Vanguard's website today is below. Neither are setting the world on fire. Total International Bond was created in May 2013 so there is no 5 year performance number ...
by EvanRude
Fri Jun 16, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 20264

Re: Poll: Do Bogleheads own Stocks?

Majority of portfolio is in Vanguard index funds but we hold individual stocks for 2 reasons - 1. Stocks that have large capital gains and now pay large dividends relative to initial purchase 10-20 years ago (ORCL, RY, XOM, O); and 2. Micro-cap stocks utilizing AAII Shadow Stock strategies in a &quo...
by EvanRude
Tue May 30, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Not Another Payoff The Mortgage Thread....
Replies: 38
Views: 5781

Re: Not Another Payoff The Mortgage Thread....

Long time lurker, first time poster. We paid cash for our current house 16 years ago and never looked back. There is great comfort in knowing that the house is paid for. However, here is a twist for those that feel they are potentially losing market gains. Treat the amount that you pay down on a hou...
by EvanRude
Thu Jul 09, 2015 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 28809

Re: What age did you become debt free and what opportunities did it create?

We became debt free in our early 40s (now 55). We never carried any credit card balance. Paying off the mortgage and auto loans saves money, provides peace of mind, reduces stress and pressure if there is a job loss, and provides monthly cash flow that can be used for investment or whatever. The amo...