Search found 50 matches

by CWhea1775
Tue Oct 06, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 172
Views: 10899

Re: Who is your favorite fiction author and what is your favorite book of theirs?

Great thread!!! Thanks for all the new suggestions and reminders of old favorites. One author I have not seen here yet is Deon Meyer. Current South African Mystery writer, very gritty, good, and a whole different world for me - police work in post-apartheid South Africa. But my recommended book of h...
by CWhea1775
Sun Oct 04, 2020 1:38 pm
Forum: Investing - Theory, News & General
Topic: 60/40 days are over? - Vanguard Balanced Fund -Inconsistent return
Replies: 26
Views: 3823

Re: 60/40 days are over? - Vanguard Balanced Fund -Inconsistent return

Actually; VBIAX 1 year 12.54%; 3 year 9.52%; 5 year 10.11%; 10 year 9.73% vs. VWELX 1 year 7.55%; 3 year 8.13%; 5 year 9.90%; 10 year 9.61% I noticed the underperformance of Wellington vs. Balanced a while ago and sold out and into Balanced. Another active fund (albeit a great one) bites the dust.
by CWhea1775
Thu Oct 01, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Olympic NP from Eastern WA
Replies: 10
Views: 852

Re: Olympic NP from Eastern WA

I drive from Portland to Forks regularly. Hwy 12 from I-5 West is fine, 2 lane to 4 lane. Hoquiam - Aberdeen is a long slow stretch just because the road runs all the way thru two towns, lots of lights. Fuel up there if you use that route because 101 north to Forks is pretty much open two lane throu...
by CWhea1775
Wed Sep 16, 2020 5:48 pm
Forum: Personal Investments
Topic: "Refinance" mortgage for a family member @ 2%?
Replies: 46
Views: 2946

Re: "Refinance" mortgage for a family member @ 2%?

I have done this. Suggest you start here with Jonathan Clement's story; https://humbledollar.com/money-guide/my-story-a-private-mortgage-for-hannah/ And then here if you want to pursue; https://www.nationalfamilymortgage.com/ Our relative has since refinanced out of this mortgage and paid us off. In...
by CWhea1775
Tue Aug 25, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7580
Views: 520476

Re: Refinance Mega Thread

Applying with Better.com and trying to get a counter offer to negotiate from Loan Cabin. Applied with Loan Cabin Thursday, August 20th. Have heard nothing back. Emailed to inquire about status of a quote and got this message from Loan Cabin this morning, August 25th; Hello, Thank you for your intere...
by CWhea1775
Fri Aug 23, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Optional Life Insurance (through employer)?
Replies: 34
Views: 1534

Re: Optional Life Insurance (through employer)?

From the perspective of someone at the other end of this age equation (term policy just ending, re-upping for another 10 years would cost many $thousands per year), I'd say - buy it yourself after shopping around. Buying a long, level premium term insurance policy is probably the first financial thi...
by CWhea1775
Wed Jan 23, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Cleaning cast iron skillet
Replies: 37
Views: 3119

Re: Cleaning cast iron skillet

So here is a rather astounding trick that I have seen done with cast iron skillets myself. It will be the "nuclear option", so only use when you are about to toss the skillet out; WARNING: This could be both dangerous and also cause cracking if the skillet is flawed. It does work on old, crusty, rus...
by CWhea1775
Wed Dec 05, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 23702

Re: Best values at Costco? Honestly, a little disappointed...

We shop at Costco for many of the items that others have mentioned (wine, meat, electronics, household essentials like laundry and bathroom products, etc.) because of prices and because their quality is better. Their meat in particular is just a higher grade than I can find elsewhere. One other thin...
by CWhea1775
Fri Jun 01, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 22675

Re: Top Shelf Liquor Overrated?

The NPR podcast on vodka was an absolute hoot! thanks for posting, we have a friend who has to drink Gray Goose and I can't wait to share it with her. For those commenters on wine specifically, there is a pretty empirical test to at least prove that there is a discernable difference in taste in wine...
by CWhea1775
Thu Apr 12, 2018 2:49 pm
Forum: Personal Investments
Topic: Partial shift from bond funds to CD ladder
Replies: 14
Views: 1673

Re: Partial shift from bond funds to CD ladder

I frankly don't understand the math of the argument for investing a bunch of cash in bond funds as interest rates rise vs. CDs as a short - medium term strategy. I know that this is a form of market timing, but it appears to be as close to a sure thing in that regard as you are going to get, with a ...
by CWhea1775
Sun Dec 31, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1934
Views: 472704

Re: Share your net worth progression

1997 $112,087 2002 $277,833 2005 $445,347 2007 $712,314 2009 $668,436 2012 $1,003,300 2015 $1,279,405 2017 $1,522,385 I am 64 and this is basically the progression since I stopped trying to be smarter than everyone else and instead implemented the Boglehead philosophy. We have been lucky - Two earne...
by CWhea1775
Tue Nov 21, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 7766

Re: Trip to Hawaii - what do I need to know

Actual TV weather forecast from Maui in January, 2011:

...Trades winds this, surf that, yada, yada, yada (weatherman looks directly into the camera) "to summarize folks, tomorrow we will have the best weather on the planet"
by CWhea1775
Thu Sep 28, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 15225

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

You could also ask a nurse who works with patients recovering from your procedure who they would use.
by CWhea1775
Thu Sep 28, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1935

Re: Good camping sleeping pad

Roll a Cot with a Thermarest pad to fill in the "sag" between the metal bars (exists on any cot in my experience), topped with a 3" foam pad, along with a nice pillow from home.
by CWhea1775
Sun Sep 24, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 97
Views: 12777

Re: california homeowners - do you have earthquake insurance?

We live in Oregon and have been told that before our house is even eligible for earthquake insurance it would require a retrofit (est. cost at least $15-20k). Do those of you in California not have this requirement?
by CWhea1775
Thu Aug 31, 2017 2:45 pm
Forum: US Chapters
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 26693

Re: Is Bogelheads getting less interesting?

Or perhaps "Are Bogleheads getting less interesting?"

:)
by CWhea1775
Mon Aug 28, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Buying fish (salmon) in Northeast?
Replies: 37
Views: 3096

Re: Buying fish (salmon) in Northeast?

Salmon run seasonally so they are not available fresh even in the Pacific Northwest at certain times of year. Here are two links that cover types and seasonal availability fairly well; http://www.seattletimes.com/life/food-drink/a-salmon-primer-for-alaskan-salmon-season/ http://wildsalmonseafood.com...
by CWhea1775
Tue Aug 15, 2017 5:42 pm
Forum: Personal Investments
Topic: TSP Loan vs Credit union Loan
Replies: 24
Views: 2356

Re: TSP Loan vs Credit union Loan

The benefit of this approach is that you are accruing the interest to your advantage by having it paid into your deferred account rather than to the CU. The disadvantage is that you are putting after-tax dollars into a deferred account. Ideally I guess you would pay cash for the car, max out your de...
by CWhea1775
Thu Jul 06, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 86
Views: 13409

Re: Is it Safe to Get Your DNA Tested?

On the other hand... My wife found out that she is 1/4 European Jewish, something that was totally lost in the family history. Her Dad's family had converted their history into being from "Germany" at some point in time. And a branch of my family were early converts to Mormonism, and my genetic test...
by CWhea1775
Thu Jun 29, 2017 1:35 pm
Forum: Investing - Theory, News & General
Topic: "How Do Your Financial Priorities Stack Up With Our Pyramid?"
Replies: 36
Views: 6527

Re: "How Do Your Financial Priorities Stack Up With Our Pyramid?"

I think that "controlling investment costs and expenses" should be in the pyramid as well.
by CWhea1775
Mon Jun 26, 2017 1:06 pm
Forum: Personal Investments
Topic: Looking into selling a structured settlement and need some advice
Replies: 66
Views: 6915

Re: Looking into selling a structured settlement and need some advice

Lots of good advice already, but how about this for a young person that obviously wants a challenge and is facing a big, life changing decision. For now keep your job and the settlement. Live on your current employment income for a few years. Take the settlement money you get the first year and use ...
by CWhea1775
Mon Jun 19, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 3032

Re: Olympic NP and Mt Rainier NP

The beaches along 101 south of Forks are all easy access and great exploring for kids. An interesting trip is to visit the site of the old Glines Falls dam on the Elwha outside of Port Angeles. Cool overlook and display of the dam removal. You can also visit the new 60 acres of land at the mouth of ...
by CWhea1775
Thu May 18, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 14772

Re: Question for you high net worth individuals...

One big difference between real estate and other investing is the use of leverage. I imagine a few people would be a lot richer and a whole lot would be broke if they invested in the markets with 80 - 90% borrowed money (see Depression - Great)
by CWhea1775
Mon May 15, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Rollover for Home Purchase Closing
Replies: 2
Views: 451

Re: IRA Rollover for Home Purchase Closing

You can roll money back into the same IRA.
by CWhea1775
Tue May 09, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying / Selling a Home at Same Time - Bridge Loan, etc
Replies: 7
Views: 1011

Re: Buying / Selling a Home at Same Time - Bridge Loan, etc

You can remove money from an IRA (technically a rollover) and if it is returned within 60 days it is not a taxable event.
by CWhea1775
Sun Apr 23, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 27248

Re: Any regrets living a frugal life for high income/high networth individuals?

Not spending more for the absolute best private schooling for my kids. Don't know if it would have made any difference, but do wonder sometimes. Not going to more exotic travel destinations; Botswana, Seychelles, etc.
by CWhea1775
Fri Mar 10, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 6028

Re: Total Annual Expenses

As a pre-retiree who is evaluating retirement in the next 5 years, I think it is essential to include taxes in the "expenditures" estimate. I may be dense, but the various calculators and estimates available often are unclear about this. Figuring this out and then including taxes on various income s...
by CWhea1775
Fri Mar 03, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application
Replies: 28
Views: 5710

Re: Social Security Restricted Application

Always great to hear from people who have actually "been there, done that", and very helpful links as well. Thanks!
by CWhea1775
Thu Jan 26, 2017 2:49 pm
Forum: Personal Investments
Topic: Wellesley and Wellington long term details Vs Indexes
Replies: 13
Views: 4160

Re: Wellesley and Wellington long term details Vs Indexes

Thanks to Lev's posts it looks like for Wellington there was a period from 1966 to 1974 where returns were essentially zero. Assuming that the chart is based on reinvested dividends and capital gains, with inflation running 3 - 8% in that period your real value was decreasing at the rate of inflatio...
by CWhea1775
Fri Dec 23, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: buy/sell house questions
Replies: 9
Views: 1311

Re: buy/sell house questions

We just completed a similar move, though we had mortgages on both properties. A few observations; our discussion with mortgage lenders was interesting. They really are not interested in assets, but instead are focused on income. I assume this is because all the loans being made need to fit into the ...
by CWhea1775
Fri Dec 02, 2016 8:38 am
Forum: Investing - Theory, News & General
Topic: What exactly happened in Japan...and can it happen here?
Replies: 52
Views: 11845

Re: What exactly happened in Japan...and can it happen here?

I think Dutch had it right. Demographics are a key factor, and we are likely to see the same thing play out in many of the world's developed economies for the next several decades. The capitalist system is dependent upon growth, and growth is difficult to achieve when your population is shrinking, a...
by CWhea1775
Wed Nov 16, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: Portland or Dallas (Southlake area)
Replies: 36
Views: 5551

Re: Portland or Dallas (Southlake area)

Not a physician, have lived in Texas (10 years) and Portland (last 25 years). Some questions to ask yourself; How do you feel about 9 months of hot, dry weather vs. 7 months of dark, cold, and wet weather? Does it matter to you if you have mountains, ocean, city amenities in proximity? If you care a...
by CWhea1775
Fri Sep 09, 2016 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Waterfront Lot in Florida - Worthless or Priceless?
Replies: 31
Views: 3645

Re: Waterfront Lot in Florida - Worthless or Priceless?

Get the lot location fixed on a map. Go on Zillow, realtor.com, or some other current real estate site. Look at houses in the area that are recently sold. Make sure the area and data is comparable and recent - neighborhoods can vary quite a bit. That will give you an idea at least of what developed,...
by CWhea1775
Wed Aug 17, 2016 7:58 am
Forum: Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 16130

Re: Anyone else getting nervous and converting to cash as a short-term move?

Yes. Particularly in the bond market. Rates in England are at the lowest they have been in 325 years. U.S. rates also way low historically. When you have that kind of situation, what kind of likelihood is there for significant damage to principal if/when rates ever rise? I have to rebalance after a ...
by CWhea1775
Tue Aug 09, 2016 1:52 pm
Forum: Personal Investments
Topic: mortgage for old folks?
Replies: 17
Views: 2054

Re: mortgage for old folks?

We just made a similar decision and ended up getting a 30 year mortgage at 3.65% for about half the value of a $650k house. We are younger than you (both 62), but our thought process was: Mortgage rates are at historic lows With pension and SS we can easily afford a mortgage payment forever - we cal...
by CWhea1775
Tue Aug 09, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Will realtor advise on needed improvements for home sale?
Replies: 38
Views: 3303

Re: Will realtor advise on needed improvements for home sale?

Here is an idea that some friends used; Most home sales in our area occur with an inspection, followed by a negotiation about what gets fixed and who pays. Our friends paid for their own inspection before putting the house on the market. They then fixed up the major items that the inspection reveale...
by CWhea1775
Fri Jul 22, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Bordeaux wines
Replies: 20
Views: 2468

Re: Bordeaux wines

There are many thousands of producers in Bordeaux making almost a billion bottles of wine a year. Quality ranges from some of the best wines in the world to plonk (to quote Rumpole). Most wines produced are red and predominate grape varieties are Cabernet sauvignon, merlot, and lots of others. If yo...
by CWhea1775
Tue Jul 19, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Message removed.
Replies: 72
Views: 10311

Re: Another Too-Much-House Thread....

If you have decided to cancel based on a web conversation (even with Bogleheads!) maybe that is the right decision for you. However, I notice in your posts that you have said very little about why you want to move out of your existing house. Examining whatever your dissatisfactions are with that spa...
by CWhea1775
Fri May 20, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Trip to Portland, Oregon
Replies: 35
Views: 4624

Re: Trip to Portland, Oregon

If either of you like to read then a stop at Powell's Bookstore on Burnside is a must.
by CWhea1775
Mon May 09, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Wine Buying, Rating, Storage Guides and Apps
Replies: 26
Views: 2857

Re: Wine Buying, Rating, Storage Guides and Apps

1+ on Cellar Tracker. To the OP, Cellar Tracker is a community of users who post their own tasting notes, as well as a great inventory and wine cellar management tool. It was started by an ex-Microsoft exec and is a very well designed and user-friendly database. You can produce reports on pretty muc...
by CWhea1775
Tue Apr 26, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Government vs Private sector employment
Replies: 32
Views: 6201

Re: Government vs Private sector employment

Retired state employee who was an executive in a large agency. One point that you may want to consider; In a government job your bosses are ultimately elected officials. Regardless of your personal politics that is often difficult. Particularly in this day and age agency leadership is always being j...
by CWhea1775
Mon Apr 25, 2016 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Have any of you overextended on housing? What were your experiences?
Replies: 42
Views: 6233

Re: Have any of you overextended on housing? What were your experiences?

Have never over-extended but have been through several boom and bust cycles and have both made and lost money on principal residences when moving. Main lesson is to never let a house own you. If you are extremely confident that you will be able to stay in the house, rent, or otherwise survive a down...
by CWhea1775
Wed Mar 23, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 17018

Re: Financially, how have you done/doing vs. your parents?

My wife and I are boomers and my parents were just (barely) too young to be directly involved in WWII. Financially my parents were better off than we are; he was a Physician with an Ivy League education, she was a stay at home mom; I am a government employee and my wife is an RN. Interestingly thoug...
by CWhea1775
Thu Mar 17, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 211
Views: 24630

Re: How have your homes as investments done?

I would answer with a general observation. I am 62 years old. Over the course of my life I have seen people of more or less average incomes become wealthy in two ways. One is the Boglehead way of living below your means, long term diversified investing, etc. The other is investing in property. Wealt...
by CWhea1775
Mon Mar 14, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with Starwood Preferred Amex
Replies: 21
Views: 2649

Re: Anyone familiar with Starwood Preferred Amex

Also allows very easy transfer of miles into almost any airline mileage program - I've used this to get free tickets on a couple of different airlines.
by CWhea1775
Wed Mar 09, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: Power washer recommendation
Replies: 16
Views: 2473

Re: Power washer recommendation

The answer to your question about freezing is YES! What happens is residual water left in the unit freezes and can ruin the washer. After having this happen to us once we now clean the unit and roll it into our basement in the fall.
by CWhea1775
Fri Feb 05, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 99
Views: 18684

Re: Active or Not, I Love Wellington

Is Wellington reverting to the mean? If I read the new annual report correctly. The fund has underperformed it's own benchmarks for the last 1, 3, and 5 years. I have always loved this fund and have held it for 30 years, but it appears that their active management decision-making is reflecting the s...
by CWhea1775
Tue Feb 02, 2016 3:25 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 19303

Re: What is your favorite Financial Quote or Metaphor??

“The investment management business (it should be a profession but is not) is built upon a simple and basic belief: Professional money managers can beat the market. That premise appears to be false.” Charles Ellis
by CWhea1775
Thu Jan 28, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: WSJ subscription, any deals?
Replies: 15
Views: 7361

Re: WSJ subscription, any deals?

I have renewed my subscription twice now by purchase on ebay. This is for physical paper delivery plus on line access. I think these secondary sellers are using airline miles, but in any event they have worked fine for me both times. Last one was 18 months for $129. The only issue I have had is that...