Search found 263 matches

by chuckb84
Tue Feb 18, 2020 11:14 pm
Forum: Investing - Theory, News & General
Topic: Why do you hold bonds in your portfolio?
Replies: 159
Views: 13313

Re: Why do you hold bonds in your portfolio?

Because they are less volatile than stocks and anti-correlated with stocks. Ticker VTSAX VTIAX VBTLX Annualized Return Daily Standard Deviation Monthly Standard Deviation Annualized Standard Deviation Vanguard Total Stock Mkt Idx Adm VTSAX - 0.84 -0.20 13.56% 0.92% 3.47% 12.03% Vanguard Total Intl S...
by chuckb84
Tue Feb 18, 2020 3:35 pm
Forum: Investing - Theory, News & General
Topic: i-ORP bug
Replies: 6
Views: 394

Re: i-ORP bug

I too like the program and think it provides great value. Sure it takes a brief amount of time tweaking inputs to get sensible output. However, I see no other way to develop that type of plan without much greater angst. I agree/believe what you encountered is a bug. Since you've found a work around...
by chuckb84
Tue Feb 18, 2020 1:30 pm
Forum: Investing - Theory, News & General
Topic: i-ORP bug
Replies: 6
Views: 394

i-ORP bug

This will likely be fixed soon, but it puzzled me, so a heads up. I use the i-orp extended version because I think it is a "just right" blend of enough detail without too much complexity. For some of the modeling runs I like to set inflation and my increase in spending to 0% and 0% and then add infl...
by chuckb84
Fri Feb 14, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 6900

Re: What are your not free but still frugal hobbies?

Watching youtube videos to learn how to do home and automotive tasks. I buy all the tools I need and still come out ahead, and learn new things. Hiking. After boots and walking poles, free. Cycling. I have a LOT of $$ invested, probably $10K, but I've been at it for 16 years, so the cost per ride or...
by chuckb84
Sat Feb 08, 2020 12:39 am
Forum: Investing - Theory, News & General
Topic: What is the highest expense ratio you willingly pay?
Replies: 123
Views: 7560

Re: What is the highest expense ratio you willingly pay?

Well, (one of) the last times this came up, I tabulated the numbers, and got: "This took a minute or two, and I can't guarantee freedom from typos, but here are all the results from this thread. I threw out answers that didn't give a clear average, so some responses may be missing. I didn't look at ...
by chuckb84
Thu Feb 06, 2020 10:41 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 372
Views: 23512

Re: What is the best concert you ever witnessed?

The Who, 1975.
Mott the Hoople, 1976.
Bonnie Raitt, 2018.
by chuckb84
Tue Feb 04, 2020 11:33 pm
Forum: Investing - Theory, News & General
Topic: Monte Carlo simulation of portfolio performance.
Replies: 18
Views: 1289

Re: Monte Carlo simulation of portfolio performance.

A big problem with most Monte Carlo simulations is that they assume that annual returns are independent of each other (e.g. no mean reversion is assumed). This results in 'fat tails' on both sides of the distribution compared to historic data, significantly more than what would be statistically exp...
by chuckb84
Mon Dec 16, 2019 8:54 pm
Forum: Investing - Theory, News & General
Topic: Why Total Bond and not Treasuries?
Replies: 94
Views: 7634

Re: Why Total Bond and not Treasuries?

I have the simplest 3 fund portfolio: VTSAX 40%, VTIAX 20%, VBTLX 40%, so this thread caught my interest, with the notion of possibly substituting VSIGX for VBTLX. Looking at portfoliovisualizer.com, there is a small difference in returns for VSIGX and VBTLX, but the anti-correlation with VTSAX and ...
by chuckb84
Sun Dec 15, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 87978

Re: Flaunt Your High-Mileage Car

2003 Honda Pilot that we bought new, intending to keep it "forever". Forever, so far, is 16 years and 205,000 miles. Great car. Just bought another 2003 Honda Pilot in 2018, even the same color! It had 90,000 miles when we bought it, (100,000) now, and we got a great deal because no one wanted such ...
by chuckb84
Sun Dec 15, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Xfinity cost comparison?
Replies: 30
Views: 1809

Re: Xfinity cost comparison?

$61 total ($40, $13 for modem, taxes) for 75 mbps. Internet only. We use Firestick and Netflix and rabbit years. Only other option is a local company with bad reviews. Our promotion ended last year, and I did call and they reduced it $5 a month and locked in for 2 yrs. I have also heard if you can ...
by chuckb84
Mon Dec 09, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1401
Views: 159076

Re: What frugal thing did you do today?

Installing new door handles throughout the house myself. The hardware is cheap (wayfair sale!) and I'm skipping the expensive labor.
by chuckb84
Tue Oct 29, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2694
Views: 500491

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

60/38/2 stocks/bonds/cash and I'm up 13.7% YTD.

But don't ask me about last year!
by chuckb84
Sun Oct 27, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1401
Views: 159076

Re: What frugal thing did you do today?

One zone in our radiant floor heat wasn't coming on. So, I diagnosed the problem, watched a lot of youtube videos, and ultimately replaced the failed powerhead on one of the zone valves. It's amazing how many home and car repairs are accessible to almost anyone with time to do some learning. Youtube...
by chuckb84
Sat Oct 26, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4252
Views: 1227487

Re: What Book Are You Currently Reading? Part VI

Dark Sun, Richard Rhodes sequel to The Making of the Atomic Bomb. Very good, although not as good as TMOTAB. It's incredible how successful the Soviets were in stealing nuclear secrets from a very naive USA.
by chuckb84
Wed Oct 02, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2694
Views: 500491

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

12.5% YTD. Annualized return of 16.7%.

Despite the volatility way more fun than last year....so far.

40US / 20Int/ 40Total bond
by chuckb84
Fri Sep 27, 2019 9:19 pm
Forum: Investing - Theory, News & General
Topic: When do you see effects of compound interest on net worth?
Replies: 36
Views: 4270

Re: When do you see effects of net worth?

LadyGeek wrote:
Fri Sep 27, 2019 8:31 pm
This thread is now in the Investing - Theory, News & General forum (theory). I also changed the spelling in the thread title "affects" to "effects".
Your so write about that :).
by chuckb84
Fri Sep 27, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: PV and the inverse function
Replies: 3
Views: 362

Re: PV and the inverse function

I think the two numbers aren't quite the same because of the payment being made at the beginning or end of each period. ... BTW, is the reasoning to get to 3.8% more less appropriate? I think you are on the right track here. If I recall correctly there is a flag where you can flip the payment to th...
by chuckb84
Fri Sep 27, 2019 8:38 pm
Forum: Investing - Theory, News & General
Topic: PV and the inverse function
Replies: 3
Views: 362

PV and the inverse function

Sorry to rehash what must be old ground for the experts here, but I'm been confused and only now worked this out. This might help someone else, maybe... Suppose I get a pension plus SS payment, of, say, $50,000/year and I manage to stay alive for 30 years and during that period investments get a rea...
by chuckb84
Sat Aug 31, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 418
Views: 71276

Re: Good Modern Science Fiction

Gateway, Beyond the Blue Event Horizon and Heechee Rendezvous by Fred Pohl. I need to read those again. Loved them years ago. Little known, I think, and perhaps not scifi in a strict sense, but "Glimpses" by Lewis Shiner is just excellent. I can't describe this novel in any meaningful way, but I str...
by chuckb84
Wed Aug 28, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15856

Re: Best of Bogleheads - your #1 takeaway

1. The importance of an investment policy statement.
2. The three fund portfolio.
by chuckb84
Wed Aug 28, 2019 9:25 am
Forum: Personal Investments
Topic: Requesting graph: stock:bond AA over time
Replies: 4
Views: 366

Re: Requesting graph: stock:bond AA over time

This is what you want. It'll only do three at a time, but you could combine the graphs from several runs.

https://www.portfoliovisualizer.com/bac ... sisResults
by chuckb84
Tue Aug 27, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 119
Views: 10454

Re: Coffee becomes cold too soon

Double walled glass mug. Lots of them on amazon. https://smile.amazon.com/dp/B00GG0SMLM/ref=sspa_dk_detail_0?psc=1&pd_rd_i=B00GG0SMLM&pd_rd_w=7Ypxo&pf_rd_p=45a72588-80f7-4414-9851-786f6c16d42b&pd_rd_wg=uBi6w&pf_rd_r=8H0MWT4KKDBH626S121V&pd_rd_r=dbf586d3-caf2-42cf-ab50-f4cfc058262a&spLa=ZW5jcnlwdGVkU...
by chuckb84
Mon Aug 26, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 46468

Re: Anyone disenchanted with retirement?

ah, yes, the Internet Retirement Police https://www.mrmoneymustache.com/2013/02/13/mr-money-mustache-vs-the-internet-retirement-police/ From the article - "You see, if you save money by doing your own cooking, you’re now WORKING as a cook, thus no longer retired." :D Then I'm a cook, dishwasher, au...
by chuckb84
Mon Aug 26, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1401
Views: 159076

Re: What frugal thing did you do today?

Updated the stereo in our two 2003 Honda Pilots myself. Added an adapter on each of them that lets us plug in our phones to these ancient devices that have CD and cassette players! $80 per car instead of $300-400-ish PER VEHICLE to have a local shop put in a new stereo system. Turns out to be very e...
by chuckb84
Sat Aug 24, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 46468

Re: Anyone disenchanted with retirement?

Four and a half years into retirement, and I love it. Some things: 1. My schedule is MY schedule. I may have read it here, "I do what I want, when I want, IF I want". 2. Going to movies or shopping when everyone else is at work. Tuesday movies at 2:30 PM! 3. New hobbies, pickle ball, yoga, cycling, ...
by chuckb84
Sun Jun 30, 2019 11:08 am
Forum: Personal Investments
Topic: Simple Retirement Calculators?
Replies: 13
Views: 1860

Re: Simple Retirement Calculators?

I like the "extended" version of i-orp, which is still easy to use, runs online, saves scenarios, and allows more inputs. https://www.i-orp.com/APenalty/extended.html I also like Flexible Retirement Planner, although I find their estimates of returns and volatility to be rather optimistic, so I put ...
by chuckb84
Wed Apr 17, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 16902

Re: What is your hobby and how did it come to be your hobby?

Several. Mostly, I'm going to physical activities and some new skills, things I've never done and want to. Looking for variety. So... Road cycling. Been doing that for about 14 years and still enjoy it, and there's a LOT of scenic cycling in northern New Mexico and southern Colorado. Yoga. Started t...
by chuckb84
Sat Mar 02, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 266
Views: 15753

Re: How do YOU make coffee?

Aeropress. Simple, cheap, and a great cup of coffee. Also easy to travel with. This accessory makes the Aeropress a bit better. It has a valve that lets you use the Aeropress un-inverted and control how long the water and coffee brew. It's overhyped by the manufacturer (it does NOT make true espress...
by chuckb84
Tue Feb 26, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: HOA wants to install speed bumps that my car won't clear
Replies: 50
Views: 5762

Re: HOA wants to install speed bumps that my car won't clear

I am a huge car/driving enthusiast, and have a very low sports car (Lotus Elise, if you're curious) with aftermarket sports suspension that I take to the racetrack on occasion. It's not ridiculously slammed to the ground, just lowered about 1/2" from how it was from the factory. I live in a townhou...
by chuckb84
Tue Feb 26, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6956

Re: $5000 water bill-Help!

Well, I sympathize, although the "leak" is on your private property which is your responsibility to maintain. I'm sure they'll ultimately reduce that bill substantially, if not as low as you would hope. Something similar happened to a friend here recently and they cut the bill by more than half. I h...
by chuckb84
Sun Jan 13, 2019 2:12 pm
Forum: Personal Investments
Topic: VWIAX [Vanguard Wellesley Income Fund]
Replies: 9
Views: 1848

Re: VWIAX [Vanguard Wellesley Income Fund]

Hey all, My wife (35yrs) and I will retire in about 5yrs or so. We will have about $72,000/yr in Social Security and retirement/pension checks. Here is our plan. Going to move all to VWIAX and will have at least 8,000 shares. Below is the Dividend/Capital Gain disbributions for 2018. Planning on su...
by chuckb84
Fri Jan 11, 2019 1:58 pm
Forum: Personal Investments
Topic: Good calculators available?
Replies: 7
Views: 986

Re: Good calculators available?

Try this https://www.portfoliovisualizer.com/monte-carlo-simulation There are lots of good calculators out there. You can take a look here: https://www.bogleheads.org/wiki/Retirement_calculators_and_spending Of course, the problem is that there are no great calculators out there, because no one kno...
by chuckb84
Sun Jan 06, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2634

Re: Who pays for apps?

Call me a cheapskate, but I refuse to pay for apps. Yes, sometimes the ads on the free apps are annoying or the free app has limitations, but still I won't pay. So, who pays for their apps, what it is and why is it worth it? God, yes, I happily pay for quality software. On my iPhone, I paid $20 for...
by chuckb84
Wed Jan 02, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3564

Re: Noise cancelling headphones for plane trips, advice?

Plugfones!!!! Basically earplugs that play music. Best noise cancelling I’ve ever had, and by far the best price, as well as small and convenient. +1 I used to have a pair of in-ear passive noise-isolating earbuds. They worked well on an international flight. A good pair of in-ear noise-isolating e...
by chuckb84
Sat Dec 08, 2018 9:21 pm
Forum: Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 9165

Re: Solid my entire portfolio 12/3/18

I sold all my mutual funds because my portfolio was scattered with little rhyme nor reason. It had worked well over the years, but now that retirement is close I need something with a sensible game plan. I reinvested yesterday with my 50/50 aa. Off I go and I am not looking back. Thanks for the opi...
by chuckb84
Fri Nov 30, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4619

Re: Best new Mac/features for 2000-3000

Good Lord. We just replaced our gifted iMac with a PC desktop and a 32 inch monitor for about $500. The iMac is expensive. It's fine for a few years and then it bogs down. In 4 years when this PC slows down, we will replace for a few hundred bucks. An iMac would be another $2,000. Why on earth pay ...
by chuckb84
Thu Nov 29, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4619

Re: Best new Mac/features for 2000-3000

Old Dell worn out. Just surfing, video/pic archives, streaming youtube/other prgms, but no gaming. You do not need to spend $3000 on a computer for your needs. You can get an adequate Windows PC for <$1000. All you need is at least an i5 processor, 8gb RAM and an SSD. If you're archiving photos I w...
by chuckb84
Thu Nov 08, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 29
Views: 2611

Re: iMac + iPad Pro

Here's a different take. I don't use an iMac because the idea of a computer that has to be used in a fixed location seems like something out of the 1980s. A MacBook Pro overlaps the iMac in performance, -and- you can use it anywhere. I think a much better approach is a high end MacBook Pro (I prefer...
by chuckb84
Mon Nov 05, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: Diversification Regret Index
Replies: 161
Views: 20730

Re: Diversification Regret

I like the idea and the chart (except for the unnecessary decoration represented by the vertical "brush strokes.") Edward Tufte would agree. It really is hard to avoid this emotion but as you gain experience and lose your memory with age it becomes less of a problem. You beat me to it! Tufte would ...
by chuckb84
Sat Oct 27, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 22
Views: 2415

Re: Monthly vs. Annual Withdrawals

60% US Stock Market 20% Global Stocks Ex-US 40% Total US bond Market Anyone else notice this is 120% of the portfolio? OP, is this what you meant? 40% US Stock Market 20% Global Stocks Ex-US 40% Total US bond Market Yah. Just a typo. Portfolio Visualizer, thankfully, won't run unless your allocatio...
by chuckb84
Sat Oct 27, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4252
Views: 1227487

Re: What Book Are You Currently Reading? Part VI

Just finished two excellent non-fiction books. "Spillover", about viruses jumping species to invade humans. This is like a very smart version of "The Hot Zone", and you should be very worried after reading it. I don't plan to visit central Africa, and I plan to stay away from Bats. Yikes. Very well ...
by chuckb84
Tue Oct 16, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Monthly vs. Annual Withdrawals
Replies: 22
Views: 2415

Monthly vs. Annual Withdrawals

This is an interesting couple of simulations using portfoliovisualizer.com. Put $769,000 in as a balance. Withdraw $48,000/year for 20 years, with a portfolio of 60% US Stock Market 20% Global Stocks Ex-US 40% Total US bond Market Don't inflation adjust withdrawals. If you withdraw $48,000 once a ye...
by chuckb84
Sat Oct 13, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3495

Re: Pacific Northwest trip

It's been decades, almost 4 decades, since I lived in Seattle, but: Go to Deception Pass. Just stunning. In Seattle, you can't beat Ray's Boathouse at sunset. You're right on Puget Sound and the sun sets behind the Olympic Mountains (Olys!). Have a Full Sail IPA or any of the MANY Pacific NW brews. ...
by chuckb84
Sat Oct 06, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14547

Re: What is your annual cost for health insurance?

I'm a retired Fed. BCBS Federal basic is $4K year for the family, only very slightly less for "retiree plus one", which we'll switch to as the kids both pass age 26. I think Uncle continues to pay about $8K/year.

Max out of pocket for the family is $11K/year.
by chuckb84
Sat Oct 06, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13868

Re: What purchase saved you the most money?

Every dime spent on education. Mine. My wife's. Our kids. The payback is enormous, in dollars and in other ways. My DW stressed a great deal over the $25K-ish that we spent when the kids were very young so she could finish a Masters degree. In just 5 years, I think the payback at 1000%. All the educ...
by chuckb84
Wed Sep 19, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really retire? Please check my math and poke holes.
Replies: 48
Views: 6153

Re: Can I really retire? Please check my math and poke holes.

Can I really retire? Please check my math and poke holes. I'm tentatively planing to retire Fall of 2019. Before I hand in my paper work I'd like to have a double (triple, quadruple) check on my plan. I figure we need about $72k before taxes to live a comfortable life. We want that level of income ...
by chuckb84
Tue Jul 24, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1632

Re: Verizon streaming issues

Our Verizon Fios internet speed is 75/75. I have two Samsung Smart TVs and whenever two people try to watch Netflix or Amazon at the same time, we have issues and get an insufficient bandwidth message. Doesn't seem to be an issue if it's a TV and a tablet. Is this a Verizon router/wifi issue? Or is...
by chuckb84
Wed Jul 18, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 87978

Re: Flaunt Your High-Mileage Car

2003 Honda Pilot, 188,000 miles, runs like new. I guess by boglehead standards, it isn't very high mileage, but give me a few more years :D Also, two BMW motorcycles! Not "high mileage", but the K75 is 23 years old (46,000 miles), and the 1150RT is a youngster at 14 years old and 26,000 miles. I've ...
by chuckb84
Fri Jul 06, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 14031

Re: What time do you get up in the morning?

Since I retired, I just wake up when the light (or my bladder) wake me up. Since waking up early no longer has any association with going to work, I really enjoy sunrises as much as sunsets. One of my favorite early morning activities is riding the motorcycle to a yoga class just after sunrise. Grea...
by chuckb84
Tue Jun 19, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4946

Re: iPad Pro 12.9": Replacement for Laptop?

I have been traveling with an old laptop, smaller iPad Pro and a Kindle. Instead of a new laptop, I am considering replacing all 3 devices with a 12.9 inch iPad and Apple Smart Keyboard. My computing needs consist of Keynote presentations, word processing, email and the web. I am wondering if anyon...