Search found 502 matches

by graveday
Fri Dec 30, 2016 11:29 pm
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 201
Views: 47153

Re: What's your usual retirement day like ?

Hah, read that first as 'trial' run.
by graveday
Sat Aug 06, 2016 11:42 pm
Forum: Investing - Theory, News & General
Topic: A costly mistake made by both investors and advisors
Replies: 240
Views: 22255

Re: A costly mistake made by both investors and advisors

I just can't stop staring at this.....'rising valuations cause valuations to rise'. Strunk me White upside the head.
by graveday
Sun Jul 31, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 9312

Re: New Tipping Practice?

The folk etymology is that "tip" is an acronym for "to insure promptness." In any case, a tip is given for good service and therefore I would object to giving one before service is rendered. Nowadays, in this situation, it might be construed as 'to insure purity'. If you press 'none', there is no t...
by graveday
Sun Jul 31, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is a modest retirement (definition)?
Replies: 66
Views: 8008

Re: What is a modest retirement (definition)?

I would say you defined it pretty well.
by graveday
Fri Jan 22, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: My early retirement is causing consternation
Replies: 75
Views: 13847

Re: My early retirement is causing consternation

You can always tell people you work nights.

I kind of like Victoria's 'not much time to live', but it would be too lugubrious for most.
by graveday
Tue Oct 27, 2015 11:12 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3027
Views: 932241

Re: What Book Are You Currently Reading? Part VI

Just finished "Endgame Bobby Fischer's Remarkable Rise and Fall - from America's Brightest Prodigy to the Edge of Madness" by Frank Brady. As someone who started playing chess in large measure due to the rise of and tremendous interest in Bobby Fischer back in the 60's & 70's, I found this book ill...
by graveday
Sat Oct 24, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Review of 31yr old's portfolio [was Help with 403b fund options]
Replies: 12
Views: 1749

Re: Help with 403b fund options

I also suggest researching the site for previous 403b fund articles. These wretched options foisted on teachers and nurses should be run out of town.
by graveday
Sat Oct 24, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3027
Views: 932241

Re: What Book Are You Currently Reading? Part VI

I am re-reading 'Penguin Island' by Anatole France. I am also realizing that just knowing this book exists has helped me remain sane in an insane world.
by graveday
Mon Aug 31, 2015 7:47 pm
Forum: Investing - Theory, News & General
Topic: What is the benefit of a CD ladder today?
Replies: 21
Views: 4087

Re: What is the benefit of a CD ladder today?

I bank at a local savings and loan. They are embarking on an extensive remodel of their fairly new digs. True, the paradigm has shifted, but I suggested the money, or a good part of it, might be better used offering better CD's, which is closer to their mission. The notion did seem to fall on deaf e...
by graveday
Mon Aug 10, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?
Replies: 22
Views: 3122

Re: Is I-Bonds the best Fixed Income Instrument (assuming no limits on purchases)?

As for the lowered purchase limits, a couple can stilll get up to $35,000 per year for a number of years (10k each, another 10k for their trust and $5000 in tax refunds), so over their working lives, they can, indeed, accumulate a very sizeable sum. I wonder how many knew this. I didn't. Could you ...
by graveday
Mon Aug 10, 2015 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Sacramento Real Estate Market
Replies: 14
Views: 1894

Re: Sacramento Real Estate Market

The best schools are in Davis. You can look up school's scores and you have time to do some site visits. I think the condo idea is good as you settle in and learn more about the various neighborhoods and even nearby towns, such as Davis. No, I don't live in Davis. The Sacramento City Unified School ...
by graveday
Mon Aug 10, 2015 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Advice
Replies: 17
Views: 1866

Re: Retirement Account Advice

Why are you not selling the second house now and using proceeds to create emergency fund and pay down other debt? In fact, I would sell the cars, but we already know that was impossible the minute you drove them off the lot and committed financial auto supuku.
by graveday
Fri Jun 12, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 11
Views: 3384

Re: 403b/teachers pension plan rollover questions

Agree about the amount of money and not getting into tricky waters. If Roth is a desire, just start one new and keep it clean. I still like rolling out of 403b except for the notion of having it there if the job move backfires in the short term. And who am I to offer advice? Teachers are hard workin...
by graveday
Wed Jun 10, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 11
Views: 3384

Re: 403b/teachers pension plan rollover questions

I would roll over the 403b into an IRA with Vanguard, where your options for parking the money are far broader than any 403b anywhere.
by graveday
Sun Dec 28, 2014 1:49 am
Forum: Investing - Theory, News & General
Topic: Market Up but Wellington way down??? Why???
Replies: 23
Views: 4127

Re: Market Up but Wellington way down??? Why???

All y'all having too much fun. Well and done.
by graveday
Sun Dec 28, 2014 1:38 am
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 12718

Re: Facebook is Outrageous

EmergDoc, that might be Dr. Market to you. Regardless, love your posts all these years and your salient point above.
by graveday
Mon Dec 15, 2014 11:08 pm
Forum: Personal Consumer Issues
Topic: Taste testing wine at home
Replies: 23
Views: 2383

Re: Taste testing wine at home

I forgot to say, any wine you and yours cannot consume the first day should just be corked and enjoyed the second day. If it happens to be white, put it back in the fridge. Red will be fine left on the counter a day or two. Your fear of wasting the wine is unfounded, unless you don't like cooking wi...
by graveday
Mon Dec 15, 2014 2:45 pm
Forum: Personal Consumer Issues
Topic: Taste testing wine at home
Replies: 23
Views: 2383

Re: Taste testing wine at home

A different tack is to try regional wines, both locally and globally. You haven't stated where you live, but in upstate California you can take one varietal, Zinfandel, and find quite startling regional differences in taste. Amador, Dry Creek Valley, Alexander Valley, Lodi, for example, all produce ...
by graveday
Thu Nov 20, 2014 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Question about California Teachers Pension
Replies: 12
Views: 1937

Re: Question about California Teachers Pension

Teaching is the hardest common job. There are two kinds of jobs, managing people and managing things. The former is usually considered harder and teachers manage a group that doesn't want to be managed, generally. I finished my working life as a teacher of math and science at the fifth to eighth gra...
by graveday
Fri Sep 05, 2014 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Graduating Debt-Free, or with Elite College Degree?
Replies: 92
Views: 7367

Re: Graduating Debt-Free, or with Elite College Degree?

I just loaned twenty thousand bucks to a friend of my daughter's when she mentioned she had debt charging nineteen percent. That's criminal. What are the terms? Once she has a job in her chosen profession she has three years to pay off the loan and add an additional fifteen hundred. Vanguard just po...
by graveday
Thu Sep 04, 2014 9:46 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 9144

Re: Does anyone have 'Lazy Portfolios'?

rustymutt wrote:Our portfolios are sooo lazy, I make them get up a 5am and run 10 miles, with a full packs. In the snow even.
Soooo lazy. If I had a bull whip.
Sure, but you're only talking a couple basis points and a bull whip can bite back.
by graveday
Thu Aug 07, 2014 7:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 806
Views: 144724

Re: Vanguard sued for charging too little

Hey, if I could divvy that up, I wouldn't mind anyone looking over my shoulder. That's a lot of smackers.
by graveday
Thu Aug 07, 2014 10:01 am
Forum: Investing - Help with Personal Investments
Topic: All money in TIPs??
Replies: 25
Views: 3599

Re: All money in TIPs??

Crafty, Snowskier, very crafty. I like it.
by graveday
Mon Aug 04, 2014 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: All money in TIPs??
Replies: 25
Views: 3599

Re: All money in TIPs??

Yes, i-BONDS max out at ten grand per year. Still, do it yearly and sooner or later you are talking real money, heh.
by graveday
Mon Aug 04, 2014 8:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 806
Views: 144724

Re: Vanguard sued for charging too little

This may answer your question. These are Jack Bogle's words. "The structure of Vanguard has meant that I couldn't get the financial rewards that might have accrued to any other CEO of a trillion-dollar financial services company. I made a decent amount of money before I stepped down in 1999, but eve...
by graveday
Mon Aug 04, 2014 5:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 806
Views: 144724

Re: Vanguard sued for charging too little

Thanks for merging and pointing out the discussion. Somewhere from a long time ago I remember Jack Bogle being pushed out of his position at Vanguard and the guy who did it when meeting him in the hall would not even acknowledge him. I say this because I could not imagine Jack Bogle doing anything t...
by graveday
Mon Aug 04, 2014 12:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 806
Views: 144724

Vanguard Unethical?

[Thread merged, see below. --admin LadyGeek] Haven't been here much so don't know if there is discussion about this.... http://investorplace.com/2014/07/vanguard-lawsuit/#.U97vIlVdWSo or this.... http://articles.philly.com/2014-08-03/business/52390650_1_franklin-resources-vanguard-group-inc-investors
by graveday
Fri Jul 25, 2014 12:06 am
Forum: Investing - Theory, News & General
Topic: "What Has Time Taught Bill Bernstein?"
Replies: 19
Views: 4655

Re: "What Has Time Taught Bill Bernstein?"

pkcrafter wrote:
We do a lot of dancing on the head of a pin on the forum,

Paul
Nicely put.
by graveday
Sun Apr 27, 2014 10:57 am
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 201
Views: 47153

Re: What's your usual retirement day like ?

We had been spending time near the beach in South Carolina and Florida and often found ourselves strolling around the marinas. It was relaxing just sitting and watching the boats come and go. Must be nice having a boat, we thought. So we bought a boat. Uh, so anyway, we sold the boat--whew :shock: ...
by graveday
Wed Apr 16, 2014 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Lawyer
Replies: 8
Views: 1737

Re: Estate Planning Lawyer

Retread, do you know why he is not a fan? In probate states they seem like a good idea.
by graveday
Wed Apr 09, 2014 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: I Need Your Help Selecting 403(b) Provider
Replies: 17
Views: 1322

Re: I Need Your Help Selecting 403(b) Provider

One can't do much better than Cal Worthington. I can hardly believe his oldest is almost as old as I am. Anyway, when much younger I actually hauled hay to his home place near Orland. Note his land holdings and his philosophy. When he died he only still owned two dealerships, presumably for sentimen...
by graveday
Wed Apr 09, 2014 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: I Need Your Help Selecting 403(b) Provider
Replies: 17
Views: 1322

Re: I Need Your Help Selecting 403(b) Provider

Unless you have enlightened employers, 403b plans suck as a general rule. No way would I consider one now that I am educated about all the sneaky ways they ding you. If you have explored and applied other venues, like it seems you have with both IRA and 457b, then you are doing a ton already. What i...
by graveday
Sat Mar 29, 2014 12:27 am
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 14981

Re: The Boglehead Car -- What is It?

terpfan122 wrote:2012 FORD F150 FX4 w/ coyote 5.0L 360HP, hubba hubba
This week at work I averaged 17.6 MPG here and there for my paper pushing job

when you want to have some real fun in this thing you can turn off the traction control and yell "Hey Ya'll watch this!"
I'll hold your beer.
by graveday
Wed Feb 05, 2014 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Help! Should I invest a 403b?
Replies: 4
Views: 661

Re: Help! Should I invest a 403b?

Thanks for mentioning the I-bonds, a great way to stash about ten thousand a year safely and, these days, profitably.
by graveday
Tue Feb 04, 2014 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Should I invest a 403b?
Replies: 4
Views: 661

Re: Help! Should I invest a 403b?

I'll bet that 'rep' came to your classroom at the end of a grueling day. 403b's suck in general, and when they don't have no-load, low-fee offerings they suck even worse. The people who do this type of work are predators, pure and simple. Send them packing. Max out a Roth IRA each year using Vanguar...
by graveday
Thu Jan 16, 2014 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 12694

Re: Should my son pay me rent, utilities, etc...?

It occurs to me the answer is right there in the word 'parent'.
by graveday
Wed Jan 15, 2014 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 12694

Re: Should my son pay me rent, utilities, etc...?

My sympathies that three years have not brought a change. I like the advice above of counseling and I would do it before he enters the military or talks to a recruiter, unless depression care is part of the conversation. My son is 23. I had to force him out a couple years ago....and argue with his m...
by graveday
Sat Dec 21, 2013 2:31 pm
Forum: Personal Consumer Issues
Topic: Climate Denial R Us
Replies: 4
Views: 836

Climate Denial R Us

Just learned that the following Vanguard related entity donates to climate denial efforts. Sad. Also learned that Vanguard has a lot of money invested in big oil. I can't do much about it now, but I wish I had known sooner.

https://www.vanguardcharitable.org/who_we_are/
by graveday
Tue Nov 19, 2013 12:27 am
Forum: Personal Consumer Issues
Topic: Call Received with Deceptive Caller ID
Replies: 46
Views: 8158

Re: Call Received with Deceptive Caller ID

Question. If you use the answering machine, doesn't that make you the forsaken 'active' number? Seems like a Catch-22.
by graveday
Fri Sep 13, 2013 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Brand new Teacher - 403b help/advice - Only thing offered
Replies: 33
Views: 5583

Re: Brand new Teacher - 403b help/advice - Only thing offere

If you can find, or goad them into providing, a decent 403b, oxymoronic as that is, one nice thing is it will be payroll deduction, so you never 'see' the money and get by without it while it hopefully adds up. It is maybe the only nice thing. The money will still be at risk.
by graveday
Wed Sep 04, 2013 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Brand new Teacher - 403b help/advice - Only thing offered
Replies: 33
Views: 5583

Re: Brand new Teacher - 403b help/advice - Only thing offere

I would agree that not all 403b offerings are bad, but most are. It takes effort to get good offerings. The usual offerings though, and the vendors who push them, to me amount to predation on teachers, who usually have little time or expertise to distinguish the good from the bad. As an older retrea...
by graveday
Thu Jul 18, 2013 5:54 pm
Forum: Investing - Theory, News & General
Topic: 5 Tips for Better Index Investing
Replies: 19
Views: 2924

Re: 5 Tips for Better Index Investing

Rick, your essay says: "A three-fund portfolio is based on two equity asset classes and one fixed income asset class. The equity portion is allocated two-thirds in a broad U.S. stock index fund and one-third in a broad international stock index fund. The bond portion is fully invested in a broad U....
by graveday
Thu Jul 18, 2013 2:33 pm
Forum: Investing - Theory, News & General
Topic: 5 Tips for Better Index Investing
Replies: 19
Views: 2924

Re: 5 Tips for Better Index Investing

Five tips, but no TIPS, heh.
by graveday
Thu Jul 18, 2013 2:24 pm
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 22030

Re: [Sad news - Pat Larimore]

Taylor, thank you for sharing that wonderful video. You have led a charmed life with a charming and accomplished woman. What a blessing to have had 62 years together. My condolences.
by graveday
Fri Jul 12, 2013 11:04 pm
Forum: Personal Consumer Issues
Topic: Does your home have solar panels?
Replies: 77
Views: 7712

Re: Does your home have solar panels?

Like I said, I'm not a professional, but from what I understand, the folks who make these are certainly apprised of this and it is accounted for.
To not know about this as a solar professional would be professional suicide.
by graveday
Fri Jul 12, 2013 10:15 am
Forum: Personal Consumer Issues
Topic: Does your home have solar panels?
Replies: 77
Views: 7712

Re: Does your home have solar panels?

If you have power outages in your area, as some do regularly, a type of inverter to consider is one called an SMA, if I recall well. It allows your system, without batteries, to actually use the sunlight falling on your house even if grid power is down. My understanding is they cost a few thousand m...
by graveday
Fri Jul 12, 2013 12:09 am
Forum: Personal Consumer Issues
Topic: Does your home have solar panels?
Replies: 77
Views: 7712

Re: Does your home have solar panels?

I am not a professional, but it is best to put solar on a brand new roof. They both will have the same expected lifespan of about thirty years before replacement. The shading from the panels is a bonus. I don't think the type of roof is a consideration, just the expected longevity. Just to be clear,...
by graveday
Wed Jul 10, 2013 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Best investment for our two year old son
Replies: 17
Views: 2845

Re: Best investment for our two year old son

In best stay the course form, I suggest you keep the marriage together. I know this might seem like a given, but I wanted to make it a touchstone.