Search found 70 matches

by victw
Wed Aug 29, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4515

Re: Chipotle question

I get two tacos - not 3. I think it ends up being 2/3 of the normal price. A full portion of anything at Chipotle is too much for me.

I didn't know about the free quac with veggie until recently. I guess I was messing it up by ordering 1 sofritas and 1 veggie taco.

Vic
by victw
Tue Jul 17, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10458

Re: Amazon Prime Day 2018

As much as I hate to buy into the Amazon ecosystem I went with a kindle paperwhite.
My Sony is on it's last leg.

Also did the credit card - so ended up with a pretty good deal.

Uggh - but honestly - impulse purchase.

Vic
by victw
Tue Jul 10, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Second Opinion(s) on Financial Situation Married Couple 55 years old.
Replies: 45
Views: 5060

Re: Second Opinion(s) on Financial Situation Married Couple 55 years old.

I wasn't clear whether you estimated the SS based on the website which assumes you will be working until FRA or if you downloaded the calculator and figured out your PIA. Two different numbers. Also the insurance numbers go up as you get older - it's a moving target. Look closely at your sites ACA s...
by victw
Thu Jul 05, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Leechblock/Nanny for google chrome replacements?
Replies: 1
Views: 217

Leechblock/Nanny for google chrome replacements?

Hi all, I was using leechblock to shut down time sucking websites. A mozilla upgrade made it non-useable. I then switched to Nanny for google chrome. Which has also been made unusable. I tried StayFocusd but I do not like it since I can't tell it how much time per website. It has one time limit for ...
by victw
Fri Feb 16, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 28
Views: 3065

Re: Transition from house to apartment

You mentioned Redondo Beach, is that where your daughter lives? One thing to consider is how much time you might spend visiting her. Traffic in LA can be bad in the best of times, you might not want a long commute, especially at your ages. +1 This was my thought when reading about the OPs area sele...
by victw
Fri Feb 09, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: Feeling good about the market's direction. Wish it would drop more...
Replies: 14
Views: 2553

Re: Feeling good about the market's direction. Wish it would drop more...

Do find interesting that here in the UK as some expected, longer duration Bonds have failed in their -ve correlation duty. They zigged as Stocks zigged. Shorter duration has been the place to be. :idea: Has anyone noticed if this has been discussed in any US context threads this week? It is a signi...
by victw
Thu Feb 08, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 11483

Re: RBD alert [Really Bad Day]

I invested some additional cash again today...mostly because my trigger finger was getting itchy and I hate passing up bargains. My trigger finger is also itchy - but I choked on moving declining bonds to equities. Also we are really only back to where we were 3 months ago. And I'm even more confus...
by victw
Sun Feb 04, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21045

Re: For BHs who actually like cars - what is your daily driver?

CardinalRule wrote:
Sat Feb 03, 2018 4:52 pm
2016 Mazda MX-5, better known as a Miata. Frugal (by sporty car standards), fun, and not very practical. :happy

But it is my daily driver.
+1
by victw
Mon Jan 29, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1550535

Re: U.S. stocks in freefall

You need to redefine the job fixed income is doing. Bonds are relatively stable, as advertised. If you need more stable, a stable value fund (if your 401k has it) or a CD is the answer. I think that's the problem. I feel a little "sold" on bonds. I'm with fantasytensai - my bonds will likely have 1...
by victw
Thu Jan 25, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 4693

Re: Strategies to combat the urge to spend?

I recently had a strange revelation about the peer pressure. For career reasons we have lived a way from both families. No one on either side of the family has retired early or accumulated substantial savings except one beyond frugal family member. And this is despite good salaries in LCOL areas of ...
by victw
Wed Jan 24, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: How to calculate value of bonds needed without selling equities in down markets
Replies: 12
Views: 946

Re: How to calculate value of bonds needed without selling equities in down markets

Jainn, I hope your question gets more attention - because I have been thinking along the same lines. Anyone retiring in the next few years would likely be retiring into a bear market. I am ok with this idea because we will also have a large stash of fixed income/mostly bonds that we can sell off and...
by victw
Tue Jan 23, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 13666

Re: Kitces article: A cash bucket in retirement? Nope

What struck me about the article was the confirmation of withdrawing bonds first. I've been intrigued with this idea since reading McClung's book. But I have not seen many other sources/articles support this idea. In fact another Kitce's article and a recent thread by willthrill had me thinking ther...
by victw
Thu Jan 18, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Any nanny's available for android mobile browsers?
Replies: 0
Views: 240

Any nanny's available for android mobile browsers?

In an effort to make my on-line time more effective I added leechblock to Firefox. It helped. I'm now using Chrome and "Nanny for Google Chrome" due to some issues with a firefox update. I'm looking for something similar for mobile browsers. Are there any options for android? Also if anyone can sugg...
by victw
Thu Jan 04, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute too much to Roth IRA..
Replies: 2
Views: 386

Re: Contribute too much to Roth IRA..

I'm mostly replying to bump up your question. I do not have much experience with this but I just worked with Vanguard to unwind an "excess contribution" for 2018. Yes 2018. I was unable to kill the auto contribution in time and expect to be over the limits with a combined family income. I decided to...
by victw
Wed Dec 27, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Mega back door roth
Replies: 13
Views: 1717

Re: Mega back door roth

If you plan on working until 59.5 or later, then the mega back door Roth may be better. When you leave your company, the after tax contributions will get split into a Roth account and no extra taxes will be due. If you want to retire early or have gaps in your work prior to 59.5, then a taxable acc...
by victw
Wed Dec 27, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 5621

Re: Diamonds are forever.

I generally read all posts before replying. But the hating was icky. I think centrifuge probably gave the best advise. My guy upgraded on the cut/clarity but did not upgrade on the size. We picked the band out together. I get tons of complements on my ring. And I did not need a big ring. Blood diamo...
by victw
Tue Dec 19, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 50
Views: 5297

Re: 100% equity folks- holding any cash/bonds now?

These threads are reaching the yawn phase. But since OP has engaged and does not seem to be a one-off troll - I will bite. 1) Have you read William Bernstein? If you have not read "If You Can" - start there. 2) Start working your way through his list of recommended books. 3) And then look at Value A...
by victw
Tue Dec 19, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage or invest in taxable
Replies: 73
Views: 7689

Re: pay down mortgage or invest in taxable

Hello all, I'm trying to decide whether I should pay down a 30 year fixed mortgage at 3.875 with about 550K left on a 1M home that I plan on living in forever; or invest in my taxable account? I already contribute max to two 401ks, hsa, 2 back door roths (for my and my spouse), ... all other debts ...
by victw
Mon Dec 18, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to hit full 401k contribution limit of $55,000?
Replies: 20
Views: 5763

Re: How to hit full 401k contribution limit of $55,000?

Pre-tax limit is $18,000 for 2017. Direct to Roth is $18k. Or mix/match. After employer match (doesn't count toward your pre-tax limit (or roth direct limit)), the balance is after-tax contributions. You need a pretty large salary to hit the full Pre+Match+Post limit. Some plans will allow you to d...
by victw
Thu Dec 14, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 12906

Re: How much did you contribute to your 401k in 2017?

My big learn on the bogleheads in the past couple of years is that it's about the percent of income I'm saving and the relationship to what I'm spending. When I first started investing I was anchored in 15%. 15% was good. And then my income went up and maxing 401k was better than 15% - that became m...
by victw
Mon Dec 11, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Automated Market Timing
Replies: 66
Views: 4569

Re: Automated Market Timing

Thanks to everyone for the replies. Definitely does seem like a balanced portfolio like the 3-fund avoids excessive risk from any one asset class and avoids introducing unique risk from human error. Veiled, I think you have capitulated too soon. Are you reading any of the behavioral economics books...
by victw
Mon Dec 11, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 2194

Re: Best Parmesan Cheese for Salad

We buy the little size sample cheeses at Whole Foods. They usually have a basket. And/or we ask them to cut a small piece - sometimes just an ounce or two. WF or your local favorite cheese shop might do this for you. We generally appreciate a small amount of a better tasting cheese rather than a lar...
by victw
Sun Dec 10, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3759
Views: 1067884

Re: What Movie Have You Recently Watched?

Three Billboards Outside Ebbing, Missouri

We thought it was the best movie we've seen this year.

Vic
by victw
Sun Dec 10, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3759
Views: 1067884

Re: What Movie Have You Recently Watched?

Three Billboards Outside Ebbing, Missouri

We thought it was the best movie we've seen this year.

Vic
by victw
Sun Dec 10, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it [Stock Picking versus TSM]
Replies: 99
Views: 16271

Re: Just not getting it

I've read several of the core BH investing books and understand the arguments made for the 3 index fund--or similar--investing approach. ...left the middle out Where am I off? Scratching my head. Have you read the recommended books on behavior economics? You will still be scratching your head. But ...
by victw
Tue Dec 05, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 2265

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

I love our 4 wheel spinner. Super maneuverable. Just beware when you stop on inclines. It will go.

I can't speak to durability - we have not had it long enough.

Vic
by victw
Tue Dec 05, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 8462

Re: Lowering My Grocery Bill

Here is something neat: The book "Finance for Normal People" by Meir Statman actually has a short section on grocery bills. Here is a link to the page with the discussion of Nobel Laureate George Stigler on the nutrition cost frontier (like the efficient frontier for an investment portfolio) which ...
by victw
Mon Dec 04, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Best time to rebalance Bond ETF
Replies: 4
Views: 542

Re: Best time to rebalance Bond ETF

Full disclosure: I bought some BND this morning. I will buy more bond ETF shares on the payable date of the early December dividend later this week. livesoft - did you sell equities to buy BND? If not - do you keep a reserve for this kind of activity? What percentage? And yes - I realize I am proba...
by victw
Fri Nov 24, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 51
Views: 7998

Re: Any BLACK FRIDAY deals for Bogleheads?

Kobo Auro ereader $89 plus tax - free shipping. Not a great deal - but not a bad deal. My beloved sony ereader is dying a slow death. And I'm not keen on the Amazon ecosystem - plus the extra fee to take the adds off. If I can get in the parking lot I might stop at Barnes & Noble later. They sent an...
by victw
Tue Nov 21, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 2696

Re: Recommend a daily driver

Mazda 3
Zoom. Zoom.
by victw
Thu Nov 09, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: pick one for me..
Replies: 14
Views: 1472

Re: pick one for me..

I'd do a mix also.
Are college funds set aside for the kids? If not - then accelerate the mortgage with an eye on paying off when the kids are hitting college age. Then move mortgage payment to college payment.

In other words - think of some of this in terms of life cycle.

Vic
by victw
Sun Oct 29, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 3475

Re: Going to SF, Yosemite and Sacramento and NOW PORTLAND

The library in San Fran runs free group tours. They are donation based. There are several different tours - different areas/time of day. I would keep a list of these handy in case you have a break in your schedule. Or pick one that strikes your fancy. What we learned on the free tour we took is that...
by victw
Fri Oct 27, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 10190

Re: Can I retire today?

Emergency funds: Covered Well insured, including umbrella. Expenses listed below include very good health insurance. Effective Tax Rates: 16% Federal, 5% State State of Residence: CA Age: 58 “Planning age:” 102 2 questions: 1) Do you expect health care insurance expenses to stay the same or change?...
by victw
Wed Oct 25, 2017 10:13 pm
Forum: Investing - Theory, News & General
Topic: Wade Pfau’s new book: How Much Can I Spend in Retirement?
Replies: 58
Views: 15307

Re: Wade Pfau’s new book: How Much Can I Spend in Retirement?

I'd be curious if there is any solid new information in the book and how it compares specifically to McClung's Living Off Your Money, which I consider to be the best book on the subject. Otar's book is the classic to which other books on retirement spending should be compared. As someone who is als...
by victw
Tue Oct 24, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Avoiding the Spiral
Replies: 21
Views: 3633

Re: Avoiding the Spiral

In McClung's book he proposes no rebalancing. His harvesting methods has you using fixed income first and moving stocks to fixed income only when the market is up. The back testing is impressive.

I don't think you can avoid death - but let me know if you figure it out.

Vic
by victw
Mon Oct 23, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 7881

Re: Worry market crush, selling 50%, but increase buying 100%

Wow - I just realized this thread has been going since Friday - and I keep reading "crash" in the title. Not crush.
by victw
Mon Oct 23, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: 2 in Daycare -Sell Taxable to Max 401k?
Replies: 46
Views: 3639

Re: 2 in Daycare -Sell Taxable to Max 401k?

Ah. Tax deferred space - use it or lose it.

I get it now.

Vic
by victw
Mon Oct 23, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at Age 50?
Replies: 17
Views: 2140

Re: Bonds at Age 50?

For what it's worth, I consider age - 20 to be aggressive, age - 10 to be neutral, and age in bonds to be conservative. I like this. Even with some downturn expected we are possibly 4 years from ER. We will be 60/40 or 50/50 when we pull the plug. I would actually prefer to have a higher equity all...
by victw
Mon Oct 23, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: 2 in Daycare -Sell Taxable to Max 401k?
Replies: 46
Views: 3639

Re: 2 in Daycare -Sell Taxable to Max 401k?

I would pay off the mortgage with the taxable account and I would not pay for daycare. I would use the free cash from no mortgage and daycare costs to max a 401k and 2 Roth’s. Regards, John Thanks for the reply - curious what you mean by "not pay for daycare" As far as paying of the mortgage early ...
by victw
Wed Oct 18, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance for retirement
Replies: 15
Views: 1673

Re: Personal Finance for retirement

carguy1993 - you seem to be asking the same question as previous posts. You might want to consider your savings rate in terms of spending. 15% is a good place to start. 33% is solid. If you have not read "If You Can" by William Bernstein - it is highly recommended. The wiki also has a list of recomm...
by victw
Sat Oct 07, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Reconsidering my 401k Bond options - thoughts?
Replies: 2
Views: 339

Reconsidering my 401k Bond options - thoughts?

Hi all, My latest employers 401k options are ok. Not great. I was not enthused with by bond/fixed income options so for the last few years I have elected to make my contributions equity only into the Fidelity Contrafund(FCNTX -50%) and a combination of Fidelity 500 Index(FUSVX) and Fidelity Extended...
by victw
Thu Oct 05, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3342
Views: 1003809

Re: What Book Are You Currently Reading? Part VI

Eligible - by Curtis Sittenfeld.

Interesting riff on Jane Austen's Pride and Prejudice.
by victw
Sun Oct 01, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: loosening the purse strings a bit at 37?
Replies: 30
Views: 4647

Re: loosening the purse strings a bit at 37?

After we decided to lose our purse strings, we found we are no longer financially independent, since our expenses go up. This is the thing I always wonder about with these threads - if your expenses go up doesn't your pot of money need to go up also? This is why I think KlangFool's 1/3,1/3,1/3 make...
by victw
Tue Sep 19, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 16
Views: 2537

Re: Military: Investing a Windfall in Expensive Market?

I never get the all or nothing thing with these questions. I always interpret as one of 2 things. Troll or behavioral economics issue. Anyways - why not double the car payment and invest the rest??? I do hear you about the market feeling crazy. Personally I'm skimming off the top and increasing my F...
by victw
Mon Sep 11, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 5218

Re: What do you do in slow travels?

People are talking about slow travels in retirement, i.e., to spend a week or a month in a place in another country. I just don't know what people do in a foreign city (not speaking the local language) after they finish seeing museums, castles, churches, ruins, etc. I was in Siem Reap of Cambodia t...
by victw
Thu Sep 07, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal -> Before retirement Age
Replies: 35
Views: 4525

Re: Variable Percentage Withdrawal -> Before retirement Age

I think the intent here would be to use the CDs for a basic constant withdrawal, and the VPW on the remaining portfolio. It seems to me that in the example indicated, you would use $900K and age 57 for the initial withdrawal. Then adjust each year based on the new portfolio balance (still ignoring ...
by victw
Tue Sep 05, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?
Replies: 35
Views: 5948

Re: One Year Later: Hmm...how would you tweak this portfolio? Can I consider early retirement?

Annual expenses are $38,000 per year. If we retire and lose the health insurance we currently have from employment, expenses will rise to $50,000 per year. Are you relying on ACA? Have you checked priced at different age levels - particularly 60-65. We are expecting to FIRE in our early 50s and I'm...
by victw
Sat Sep 02, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Is Memrise Pro worth it - using Memrise for language learning
Replies: 1
Views: 625

Is Memrise Pro worth it - using Memrise for language learning

I'm wondering if anyone has experience with Memrise pro for language learning. We (SO & I) are working on teaching ourselves European Portuguese. I've used AnkiWeb in the past but I'm liking Memrise for the community features. It gives a competitive edge to the experience that is helping keep me eng...
by victw
Thu Aug 24, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 8139

Re: Retirement anxiety- emotionally and financially

Does not the 55 Rule apply here..........at least until he/she turns 55? If so, that means an additional 10% penalty for the first couple of years. Not that it's a bit deal but if it applies, you need to plan that into your tax rate. More wiki to the rescue https://www.bogleheads.org/wiki/Substanti...