Search found 492 matches

by bikechuck
Wed Jul 17, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 37
Views: 1673

Re: Garage Organization

Nine months ago I sold my house where we had lived for 27 years. Whenever I needed a tool at that house I would look all through the basement and garage often without success. I often took trips to the hardware to buy a tool that I could not find only to find my old one a day later. When I moved to ...
by bikechuck
Tue Jul 16, 2019 9:21 am
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 119
Views: 10242

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

Through historical accident I wound up with a fair amount of McDonald's stock in a 401K dating back to when I worked for them in the 1980s. I began selling it off two years ago and will sell the remainder in January of 2020 as I am executing a NUA (net unrealized appreciation) tax strategy. I am try...
by bikechuck
Sat Jul 13, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Safe DIY Spider Control
Replies: 16
Views: 659

Safe DIY Spider Control

We moved into a nice house (new construction) that is better than our former home to age in place in. We do have a lot of spiders that I would like to discourage/kill. Does anyone have a spray or similar product to recommend that would not harm our siding or our plants? If possible I would like to a...
by bikechuck
Thu Jul 04, 2019 8:32 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 83
Views: 7813

Re: Pick one: $135,000 rental property or $110,000 in REITs

FWIW, I've had both, rentals and REIT's. If you can get the REIT in a ROTH, that might be the best choice. I have seen others give this advice also and I keep wondering why is it better to hold REITS in a Roth vs an IRA? I am not challenging it, just trying to understand the advice. Roth is after t...
by bikechuck
Thu Jul 04, 2019 6:31 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund questions]
Replies: 53
Views: 1769

Re: which is better schwab or fedelity

If you are retired, it might be better to consolidate all accounts in one brokerage firm rather than opening accounts at other brokerages. Any specific reason that you want to look outside of Vanguard? Not me. After spending the last 27 years of my career working for a well managed company that off...
by bikechuck
Wed Jul 03, 2019 8:07 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 83
Views: 7813

Re: Pick one: $135,000 rental property or $110,000 in REITs

A440 wrote:
Wed Jul 03, 2019 6:28 am
FWIW, I've had both, rentals and REIT's. If you can get the REIT in a ROTH, that might be the best choice.
I have seen others give this advice also and I keep wondering why is it better to hold REITS in a Roth vs an IRA? I am not challenging it, just trying to understand the advice.
by bikechuck
Wed Jul 03, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: 'There Are No Average Investors' - My interview with Morningstar's Christine Benz and Jeff Ptak
Replies: 21
Views: 3861

Re: 'There Are No Average Investors' - My interview with Morningstar's Christine Benz and Jeff Ptak

Rick, thank you for beginning this thread. I just listened to the podcast and it helped reinforce the direction that I have taken with my portfolio and will help me "stay the course". One point that you made in the podcast was a suggestion to hold REITS in a Roth if possible.Can you elaborate on the...
by bikechuck
Tue Jul 02, 2019 12:22 pm
Forum: Personal Investments
Topic: Roth IRA investments
Replies: 11
Views: 1222

Re: Roth IRA investments

VTSAX, and perhaps some VTIAX, seems to be the best choice for a Roth account. Set it, add yearly, and enjoy the rolling ride, most likely upward. For those of us that do not have ticker symbols memorized, what are VTSAX and VTIAX? I know that I can Google them but if posters would take an extra mi...
by bikechuck
Mon Jul 01, 2019 6:47 pm
Forum: Personal Investments
Topic: Roth IRA investments
Replies: 11
Views: 1222

Re: Roth IRA investments

VTSAX, and perhaps some VTIAX, seems to be the best choice for a Roth account. Set it, add yearly, and enjoy the rolling ride, most likely upward. For those of us that do not have ticker symbols memorized, what are VTSAX and VTIAX? I know that I can Google them but if posters would take an extra mi...
by bikechuck
Mon Jul 01, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

if it is that BIG of a surgery, wouldn't you end up hitting your yearly out of pocket max either way, so then it doenst matter which bills you pay, once you hit the out of pocket max you are done. Also agree this doesn't sounds like a nightmare, sounds pretty normal. Everyone does not have an out o...
by bikechuck
Mon Jul 01, 2019 1:04 pm
Forum: Personal Investments
Topic: Schwab CFP meeting and feedback
Replies: 30
Views: 2966

Re: Schwab CFP meeting and feedback

In these days of cyber attacks and occasional systems issues I would never have all of my retirement funds with one financial institution. Problems like the ones that I am referring to will eventually happen to most businesses and while they usually do get resolved it can take some time to do so. H...
by bikechuck
Thu Jun 27, 2019 6:24 pm
Forum: Personal Investments
Topic: Criticize my TIAA-CREF decumulation plan
Replies: 5
Views: 501

Re: Criticize my TIAA-CREF decumulation plan

I have money with TIAA from a former employer and I have concentrated it in 1) TIAA Traditional which I plan to keep because I prefer it to a bond fund and 2) TIAA Real Estate which I like as a diversifier. In total my TIAA funds comprise 20% of my portfolio and I feel fortunate to have them. Eventu...
by bikechuck
Tue Jun 25, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone knew the answer where the money is
Replies: 29
Views: 4730

Re: Anyone knew the answer where the money is

pkcrafter wrote:
Tue Jun 25, 2019 6:11 pm
Interesting story. :shock: I think you should just leave it all at Vanguard now.


Paul
In these days of

1) occasional systems failures (which do eventually happen to All online service companies) and
2) Cyber attacks

I would never have all of my funds at a single financial institution.
by bikechuck
Tue Jun 25, 2019 7:48 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22105

Re: Crypto bulls are back. Are you getting in?

jibantik wrote:
Tue Apr 09, 2019 9:19 pm
Nope. Any money i'd put in crypto i'd rather put into VTWAX.

Also, didn't they determine the last bull was due to some bad actors performing price manipulation or some exchanges trying to build traffic?
What is VTWAX?
by bikechuck
Tue Jun 25, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Used Minivan - Recommendations?
Replies: 34
Views: 1485

Re: Used Minivan - Recommendations?

I'm in the same scenario. I really struggle when prices for a used (approx. 2016) Honda Odyssey seems to be more expensive than a new Dodge Grand Caravan. Does anyone have any experience (good or bad) with the Grand Caravan? I had a very poor experience with a Grand Caravan with multiple things alw...
by bikechuck
Sun Jun 23, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Premium vs Big Box outdoor furniture
Replies: 8
Views: 844

Premium vs Big Box outdoor furniture

The spousal unit and I recently moved to a courtyard home. We have some nice outdoor furniture that we moved with us from our old house made of recycled milk jugs that is wearing very well. We would like to add a wicker love seat and two chairs with cushions to a portion of the patio that is covered...
by bikechuck
Thu Jun 20, 2019 2:14 pm
Forum: Personal Investments
Topic: Schwab CFP meeting and feedback
Replies: 30
Views: 2966

Re: Schwab CFP meeting and feedback

In these days of cyber attacks and occasional systems issues I would never have all of my retirement funds with one financial institution. Problems like the ones that I am referring to will eventually happen to most businesses and while they usually do get resolved it can take some time to do so. Ha...
by bikechuck
Mon Jun 17, 2019 8:31 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 15114

Re: What percentage of total portfolio in REIT's do you have? Why?

livesoft wrote:
Mon Jun 17, 2019 10:43 am
0% right now. That's because a REIT index fund has not had a decent-sized RBD in a while. If VNQ had a great RBD, then I would move 5% of the portfolio into it for a few hours or days. Then sell it all.
What the heck is an RBD?
by bikechuck
Fri Jun 14, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3350

Re: Buy Mini-Van Tomorrow or No?

My first mini van was a Chysler, never again will I make that mistake. It always was in the shop and many ,many minor issues occurred that I did not bother fixing.

I replaced it in 2007 with a Honda Oddyssey which has been much, much more reliable.
by bikechuck
Mon Jun 10, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2488

Re: Laminating important documents - a good idea?

I have been "on the lam" since I was a teenager as I made the mistake of laminating my social security card. They tell me that ignorance of the law is no excuse and I cower in fear of being prosecuted and incarcerated should I ever get caught.. Hopefully there is a statute of limitations that has ex...
by bikechuck
Thu Jun 06, 2019 9:42 pm
Forum: Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 37
Views: 7987

Re: Rick Ferri Fixed Income Portfolio Funds

tj wrote:
Thu Jun 06, 2019 8:08 pm
Just heard Rick on the White Coast Investor podcast. He currently has two years of spending in a short term bond index. The rest of his fixed income is in the PFFD ETF!
What is the PFFD ETF?
by bikechuck
Thu Jun 06, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8578

Re: Costco or Sam's Club?

In my case our local Costco store is neat, clean and well maintained. Our local Sams is not as neat, clean or well maintained so we shop at Costco but lately I have been wondering if our membership is worthwhile. We are retired, there are just two of us and you have to buy rediculous quantities of s...
by bikechuck
Thu Jun 06, 2019 3:34 pm
Forum: Personal Investments
Topic: 3 fund portfolio question
Replies: 7
Views: 1082

Re: 3 fund portfolio question

is there a link or material i can read up on to help decide what % of stocks should be in US vs international funds? i hold very small amount in bonds and am fine with the risk. but i haven't learned how to decide what amount i should hold in US vs International funds. thanks! Oh boy, you have just...
by bikechuck
Thu May 30, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1750

Re: Recommendations for a budget TV

Earl Lemongrab wrote:
Thu May 30, 2019 4:05 pm
bikechuck wrote:
Thu May 30, 2019 3:08 pm
I purchased TCL model 55R615
Thanks.
Note that I purchased from Best Buy and their model numbers vary a bit from Amazon's but the tv's with similar numbers are similar.
by bikechuck
Thu May 30, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1750

Re: Recommendations for a budget TV

Another vote for TCL ROKU. I bought the 55 inch 4k version when I moved into my current home last Oct. It has a beautiful picture. I did splurge on a Sonos Beam for enhanced sound. The Beam is also great for playing music when not watching TV. Which model did you get? There are significant price di...
by bikechuck
Thu May 30, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1669

Re: How does TIAA-CREF work?

Another withdrawal option for TIAA Traditional is "interest only". I plan to do that when I am 67 until I am subject to RMDs, once RMDs kick in I will consider switching to RMDs or possibly annuitizing depending on how my overall portfolio is holding up.
by bikechuck
Wed May 29, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1750

Re: Recommendations for a budget TV

Another vote for TCL ROKU. I bought the 55 inch 4k version when I moved into my current home last Oct. It has a beautiful picture. I did splurge on a Sonos Beam for enhanced sound. The Beam is also great for playing music when not watching TV.
by bikechuck
Wed May 29, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1669

Re: How does TIAA-CREF work?

If you live near a TIAA local office you might want to schedule a visit and talk everything over in person. To see if they have a local office lear you... Go to the TIAA Website TIAA.org Scroll down the page until you see the yellow Contact Us on the left See "Find a local office directly underneat...
by bikechuck
Tue May 28, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Home Country Bias Ubiquitous
Replies: 37
Views: 4575

Re: International Allocation Suggestion

Taylor Larimore wrote:
Tue May 28, 2019 2:47 pm
Bogleheads:

In 2016 I made a post suggesting a 25% International Allocation for USA Investors. I feel the same today:

viewtopic.php?t=196956

Best wishes.
Taylor

I thought that your recommendation was 20% which is what I am currently using?
by bikechuck
Tue May 28, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10459

Re: House not selling

Nope, nope, nope, not that simple. My in-law's house sat and sat for 9 months because they were advised by their first realtor not to paint their walls or change out their ugly green 1960s carpet which I recommended they do. After their contract with their first realtor expired they hired another w...
by bikechuck
Tue May 28, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10459

Re: House not selling

Every house will sell if the price is right. It's that simple. Nope, nope, nope, not that simple. My in-law's house sat and sat for 9 months because they were advised by their first realtor not to paint their walls or change out their ugly green 1960s carpet which I recommended they do. After their...
by bikechuck
Tue May 28, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10459

Re: House not selling

After the realtor fees We will essentially be losing money on the property. I don’t really care at this point, I just want to get rid of the property. What should i do? There is only 1 reason why a house isn't selling - the price is too high. Lower the price so that it sells. That is way oversimpli...
by bikechuck
Sun May 26, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 13713

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

My problem with VG TD funds is that they hold more international equities than I would prefer to own and I prefer not to own any international bonds The Vanguard Target Retirement funds have 40% of the equity allocation invested in Total International Stock Market and 60% of the equity allocation i...
by bikechuck
Sat May 25, 2019 10:10 pm
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 13713

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

My problem with VG TD funds is that they hold more international equities than I would prefer to own and I prefer not to own any international bonds
by bikechuck
Fri May 24, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 43
Views: 2487

Re: Does it make sense to buy Part D if you are subject to IRMAA?

Interesting thread. What if you get a devastating illness and need expensive meds in the middle of a year? Or what if you are hospitalized and given drugs to stabilize you and control pain? Can you sign up for part D in mid year or only during an open enrollment period which I think is Oct 15 - year...
by bikechuck
Thu May 23, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Termite Control - worthwhile or a scam
Replies: 11
Views: 1263

Termite Control - worthwhile or a scam

Last October I moved into a courtyard home (new construction on a slab in Central Ohio). Others in the community have seen evidence of termites and Termininx has been swooping in and offering their services at what they say is a discount. There is some discussion that the termites could have come in...
by bikechuck
Thu May 16, 2019 1:34 pm
Forum: Investing - Theory, News & General
Topic: Should one diversify into annuities and not bonds?
Replies: 18
Views: 1999

Re: Should one diversify into annuities and not bonds?

I think delaying S.S. to 70 yrs old is like buying a short-range deferred annuity which has COLA built in which my wife and I are doing. Carl W. I am deferring until 70 as well, however with the sad shape of the SS Trust Fund I am not so sure that it is a great decision. I am betting that there is ...
by bikechuck
Wed May 15, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Should one diversify into annuities and not bonds?
Replies: 18
Views: 1999

Re: Should one diversify into annuities and not bonds?

272 Sheep wrote:
Wed May 15, 2019 9:19 am
I think delaying S.S. to 70 yrs old is like buying a short-range deferred annuity which has COLA built in which my wife and I are doing.
Carl W.
I am deferring until 70 as well, however with the sad shape of the SS Trust Fund I am not so sure that it is a great decision.
by bikechuck
Wed May 15, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: Should one diversify into annuities and not bonds?
Replies: 18
Views: 1999

Re: Should one diversify into annuities and not bonds?

It depends on your situation. If you aren't worried about leaving excess money to anyone when you die, you can generally obtain a higher income stream with an annuity than you can with bonds while eliminating longevity risk. I would say "mitigating" longevity risk rather than "eliminating" longevit...
by bikechuck
Wed May 15, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Nobody knows nothing and AA
Replies: 19
Views: 2236

Re: Nobody knows nothing and AA

Inertia is your friend
by bikechuck
Sun May 12, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: Composition and safety of TIAA traditional annuity
Replies: 28
Views: 2362

Re: Composition and safety of TIAA traditiona annuity

. I do plan to annuitize some of my TIAA Traditional upon retirement. I am currently 51 and plan to retire at 67. [/quote] I also have both flavors of TIAA Traditional, although I am already retired I have not yet annuitized them and will not consider doing so until my mid 70s when I could benefit f...
by bikechuck
Tue May 07, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 48
Views: 4164

Re: Bicycle Questions

How do you know your kid is going to use a bike at college? I wouldn't spend much at all. I purchased my daughter a very nice bike for college (she and I split the cost) and it was the best money we ever spent. She began riding with the college cycling club "just for exercise" she assured me she wo...
by bikechuck
Tue May 07, 2019 3:03 pm
Forum: Personal Investments
Topic: VMMXX as cash
Replies: 38
Views: 5541

Re: VMMXX as cash

What is VMMXX for the many of us that have not memorized these symbols? I know that I can Google it but why not take the few extra seconds to type the fund name and save hundreds of people from looking it up?
by bikechuck
Wed Apr 24, 2019 7:17 pm
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 84
Views: 7411

Re: Close Vanguard and go all in with Fidelity?

I like having multiple accounts. I know with my brain that it is very unlikely that I could get hacked and have money stolen from one of my accounts, but I sleep better at night knowing that if it did happen I would not lose all of my money, Simplicity is nice, but irrational fears overcome my desi...
by bikechuck
Sun Apr 21, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 49
Views: 4608

Re: Buying a house without a realtor

My wife and I recently sold our home of 28 years with the help of an excellent realtor. It sold in one weekend with over 10 offers for well over our asking price. The realtor listed it for a bit less that other realtors suggested with the hope of starting a bidding war. The strategy worked perfectly...
by bikechuck
Sat Apr 20, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 5418

Re: Is Crown Molding Out-of-Style?

I was looking at new build model homes today and noted that none, including the high end builders, had crown molding. Is this an upgrade worth spending money on, or is it considered out-of-style? It is out of style because of cost. It takes time and effort to install. And then there is extra mainte...
by bikechuck
Thu Apr 18, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 61
Views: 7354

Re: Dissuade me from buying art [Kauai]

Spending money is something that I seriously struggle with. At what point is it okay to loosen the purse strings? [/quote] You and your wife need to answer that for yourselves but keep in mind that tomorrow is promised to no one. Give yourself permission to enjoy today as long as you are doing a go...
by bikechuck
Thu Apr 18, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 61
Views: 7354

Re: Dissuade me from buying art [Kauai]

Seems to me that you are doing a great job saving for your future. It is also important to enjoy the journey so if you and your wife love the paintings I think that you should buy them.
by bikechuck
Mon Apr 15, 2019 8:08 pm
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 87
Views: 11092

Re: $1.1 million rental portfolio, but tired of being a landlord

Most of my friends that have been landlords eventually burned out and were very happy when they sold their properties. I felt fortunate last year to earn 4.7% on my investment in TIAA Real Estate.I know that I will not get that return each and every year but it is a passive investment that takes zer...
by bikechuck
Wed Apr 03, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being silly (too cheap) to not buy a new minivan?
Replies: 23
Views: 1627

Re: Am I being silly (too cheap) to not buy a new minivan?

Mini vans are great when your kids are young, great when they go to college (you can get an entire dorm room's worth of stuff in them) and great for empty nesters. We like ours because we can roll our tandem bicycle right in without removing the wheels when traveling with it and our luggage. We are ...