Search found 404 matches

by TonyDAntonio
Sun Jun 17, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1541

Re: Has Anyone Tried Youtube TV?

We cancelled DirecTV, bumped up our internet speed for $39.99 per month with Comcast, and got YouTube TV for $35 per month plus one time purchases of Roku devices for each tv. Has worked out fine. I will say I watch as much Netflix, free with our T-Mobile signup, as I do YouTube TV.
by TonyDAntonio
Tue Jun 12, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 178
Views: 14414

Re: Top Shelf Liquor Overrated?

Im no drinking connoisseur by any means I can easily taste a difference with Evan Williams even when mixed with a 1:6 ratio of Cola compared with Jack, Crown Royal, etc I did not like Evan Williams on my limited search for cheap bourbon. Makers Mark and, surprisingly, Trader Joe's bourbon work for ...
by TonyDAntonio
Tue May 15, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with 'baby bonds'
Replies: 5
Views: 620

Re: Anyone have experience with 'baby bonds'

Thank you all who replied. Try as I might I'm just not up to becoming a sophisticated enough investor to dable in these.
by TonyDAntonio
Tue May 15, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with 'baby bonds'
Replies: 5
Views: 620

Anyone have experience with 'baby bonds'

Has anyone invested in baby bonds? I just learned about them today and the one I stumbled upon seems like a good investment for someone looking for income, VZA (Verizon) It trades like an ETF. Price starts at $25 and seems to hover around there but will certainly go down as interest rates rise. Pays...
by TonyDAntonio
Mon May 07, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16458

Re: most compelling TV character ever

straws46 wrote:
Sun May 06, 2018 3:51 pm
Joey Heatherton in those mattress commercials.
Joey had nothing on Ginger and Mary Ann.
by TonyDAntonio
Wed May 02, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10462

Re: Have you quit eating sugar? Tell me how!

I have no idea how I've done it but I stopped eating sugar, except carbs an fruit, sometime in January. I read an article and just started not eating sugar. And trust me I ate sugar all the time, after every meal. I've lost some weight and feel somewhat better but nothing earth shattering. I wish I ...
by TonyDAntonio
Tue Apr 17, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9057

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Easy peasy. I get dividend income out of my retirement accounts every quarter and I have yet to make an IRA withdrawal nor have I changed my asset allocation. Buy in IRA with dividend proceeds, sell same etf in taxable. Pay long term capital gains on 'dividend' income. So---in a simplified world---...
by TonyDAntonio
Tue Apr 17, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9057

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Thanks to this site I now worry that I don't have enough for retirement with 2 million plus and no debt including a paid off house in the SF Bay area. Thank you bogleheads. 🙄 If you invest in VIG - or one of those Vanguard target retirement income trust, you can make 2.5% to 5% easily per year. I f...
by TonyDAntonio
Tue Apr 17, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9057

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

The BH standard answer to this type of questions "You need twice the portfolio that you have" Yeah. I also find it amusing that there are so many threads accusing people of bragging when they ask "I have $3M, can I retire?" As if that is such an absurd question, the only reason you might ask it is ...
by TonyDAntonio
Tue Apr 17, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 9057

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Of course. That's basically just spending dividends. Well, yes, I suppose, except that a portion of the dividends are being generated within the retirement accounts and are thus not easily accessible, and so I figure that one will have to sell some portion of the principal within the taxable accoun...
by TonyDAntonio
Tue Apr 17, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4906

Re: Bull Market Timing

Thanks for the reminders. Will continue to dollar cost average in good times and bad. I just enjoyed it a little more a couple years ago when values seemed more reasonable. Prepared for anything and sticking to the plan. The greatest thing about being in the investing stage and not in the spending ...
by TonyDAntonio
Tue Apr 17, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11915

Re: We crush stock indexes, Yale claims

Doesn't Dave Ramsey and his armada of 'active growth mutual funds' earn 12% per year? What's the big deal here? 🤔
by TonyDAntonio
Tue Mar 27, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 114
Views: 9169

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

Surprised klangfool hasn't responded with the 'termites' that are going to eat some of these stool legs. This hypothetical woman is 50 and makes $126,000 per year? She's never going to make it to 65 employed at this salary level. She'll be laid off long before then, like I was. Hopefully she's saved...
by TonyDAntonio
Fri Mar 16, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: MDY<->IJH and AGG<->BND wash sale rule
Replies: 8
Views: 434

Re: MDY<->IJH and AGG<->BND wash sale rule

If you look at the holdings of AGG and BND they are different. That's the issue that has never been addressed by the IRS: how different, exactly, do they have to be. I would wash sale these two but I'm not you.
by TonyDAntonio
Thu Mar 15, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Paul Merriman's Ultimate Buy-and-Hold portfolio using various index funds or ETFs
Replies: 11
Views: 2023

Re: Paul Merriman's Ultimate Buy-and-Hold portfolio using various index funds or ETFs

I use Merriman's portfolio for my equity. It is split up in my IRA, ROTH and taxable. I have it duplicated in a 401K that has access to DFA funds. Except for the 401K it is all in ETFs, mostly Vanguard. It's what I started with when I started to take this stuff seriously and it hasn't been hard to k...
by TonyDAntonio
Thu Mar 15, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended savings ‘Buckets’?
Replies: 30
Views: 2501

Re: Recommended savings ‘Buckets’?

I use a red bucket for my emergency cash. My wife's bucket has a big hole in it. 😀
by TonyDAntonio
Thu Mar 15, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: How many people small value-tilt international?
Replies: 13
Views: 1593

Re: How many people small value-tilt international?

DLS and VSS in IRA. DFA in 401K. Have held these since about 2008. I think DLS has been the best but I don't really track them, just rebalance.

Edit...looks like DISVX has been the best with a recent run up.
by TonyDAntonio
Mon Mar 12, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 6155

Re: Finally Cutting the Cord - YouTube TV

We had DirecTV, AT&T internet and mobile while my son worked for them and got a great discount. When he left for another job we switched everything and so far so good. ROKU YoutubeTV Xfinity internet T-Mobile (+ free Netflix) We switched to save money and so far the quality of the services have been...
by TonyDAntonio
Fri Mar 02, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1430135

Re: Buying the latest dip

Time in the market not timing the market. So...you should have invested all your money well before you were born. So...since you can't do that you should invest today.
by TonyDAntonio
Thu Mar 01, 2018 11:17 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 111
Views: 8923

Re: How does one emotionally keep it together during market swings?

When I was working it was, "Hey, stocks are on sale. Glad I'm accumulating". In retirement it's, "Glad I built that multi year cushion of ibonds, savings bonds, money markets, guaranteed interest, and cash fund."

Find what works for you because the market will swing wildly.
by TonyDAntonio
Thu Mar 01, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 2594

Re: Question for older bicyclist, coming back from injury

I have had two serious falls and a couple of minor ones. None were caused by the clipless pedals which I view as one of the great bicycle innovations in my lifetime. It's been a long time between falls so it's easy for me to hold this view: I look at the falls as the price one must pay for the thril...
by TonyDAntonio
Tue Feb 27, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Autoblog now lists the Toyota Camry as 7th worse for depreciation
Replies: 7
Views: 1033

Re: Autoblog now lists the Toyota Camry as 7th worse for depreciation

May be true but my son still drives my mother's 1999 Camary. I don't know what it would sell for but cars that last 19 years are on my list to buy.
by TonyDAntonio
Thu Feb 22, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 30
Views: 3736

Re: Is there a way to send text messages on my computer?

Not to hijack, but in the same spirit of this thread...anyone know how to make my car go faster by using a buggywhip?

😀
by TonyDAntonio
Wed Feb 14, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 11232

Re: Honda vs. Toyota: Which has more bang for the buck?

We just bought a new 2018 Mazda 3 for $18,000 -something out the door, not the base model either. We were lucky with year end pricing but I'd look at Mazdas too. This is my wife's car. I drive a Honda CR-V that is a few years old. My former car that my daughter now has is a Mazda 3.
by TonyDAntonio
Wed Feb 14, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 12579

Re: Did you learn anything from the market correction?

I learned that I have a lot more money to lose than I did back in 2008. I'm glad I sold a lot of equities prior to this run up that was not impacted by this drop but my God, some of the one day, paper loss totals were surprising to me. I guess I still have to get use to being rich. 😀. I was consoled...
by TonyDAntonio
Tue Feb 13, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 10089

Re: Job is starting to suck the life out of me.

Only you can answer this and you have all the options right here in this thread. I worked 30 years at megacorp and knew I would from day one. I did a good job. I never hated work but most of my happiness came from being secure and from my family and hobbies. Others I worked with had to get out.
by TonyDAntonio
Fri Feb 09, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: What day of the week do you invest?
Replies: 11
Views: 859

Re: What day of the week do you invest?

Any day that ends in 'y'.
by TonyDAntonio
Wed Feb 07, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8809

Re: Anyone else cashing out on *some* of the crazy earnings?

I cashed in big time and used it to move up to a waaaay better house. Houses as good for us as this one that we can also afford might come on the market once a year if that. The market could double next year but I wont lose sleep over it. The decision to cash in wasnt because the market went up but...
by TonyDAntonio
Wed Feb 07, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: Stealing from the kids for our retirement [High valuations => depressed future returns expectations]
Replies: 54
Views: 5733

Re: Stealing from the kids for our retirement

On the contrary, I think there are a lot of older people dying and leaving their remaining assets to their children. The older ones didn't inherit anywhere near the same amount as the younger ones do. Yes. I always joke with my wife, "my money is our money and her money is her money". That extends ...
by TonyDAntonio
Tue Feb 06, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 5080

Re: Keep your eye on the owner, not the dog

I actually like a cartoon I saw in a Ric Edelman book. It was a kid climbing a hill with a yo-yo going up and down. Pay attention to the hill climb not the short-term ups and downs of the yo-yo.
by TonyDAntonio
Fri Feb 02, 2018 12:36 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8809

Re: Anyone else cashing out on *some* of the crazy earnings?

Just so you are not disappointed, my comment would be that timing the market is a losing proposition. Capture your gains by rebalancing and just stay the course. I'm rebalancing into money market funds, ibonds, guaranteed interest funds and a new car, well above amounts that I have held before in '...
by TonyDAntonio
Thu Feb 01, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds and TD Account
Replies: 3
Views: 455

Re: I Bonds and TD Account

I don't know all the details. I just know that I set up one TD account for me and one for my wife. And I buy ibonds in each one most years. I recently followed their instructions to move my paper savings bonds into an account linked to my TD account. Took about a month for each batch of 50 savings b...
by TonyDAntonio
Thu Feb 01, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 1716

Re: Is changing AA considered market timing?

If changing your allocation is in your IPS then it's not market timing.
😀
by TonyDAntonio
Wed Jan 31, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2655

Re: looking for positive experiences transferring to Vanguard

My daughter recently transferred a 401k from an old employer to a Vanguard IRA. She did it by herself by calling Vanguard. Zero problems.
by TonyDAntonio
Tue Jan 30, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: What if Your Play Money Blows Up?
Replies: 31
Views: 4353

Re: What if Your Play Money Blows Up?

Lately I've been buying ibonds with my play money. God I'm old.
by TonyDAntonio
Tue Jan 30, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1430135

Re: U.S. stocks in freefall

Posters sound so calm and are sticking to their plans. That's easy to do with a small dip. We will see how it goes when they get hit in the nose with a 20% drop. They just got a tap on the shoulder. Wait until they get a punch to the mouth. Some will stick it out, many others not. Full disclosure -...
by TonyDAntonio
Mon Jan 29, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 4084

Re: Which of these mechanic-recommended services would you pay for?

Every car I've ever owned has made it 200,000 miles or more. I've never replaced power steering fluid. I've only topped off brake fluid if it needs it or if I'm bleeding the brakes. I've never replaced hoses unless they leak and I can't even remember that happening. I have replaced them if I have to...
by TonyDAntonio
Mon Jan 29, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 96
Views: 10273

Re: Dalio says bonds have entered a bear market

Maybe it is me, but if bonds are in a 'Bear Market'....should we not be buyers? :confused I have been buying bonds all year just to keep my AA in line. Felt good selling high and buying low. Am I doing something wrong? I have been bored with this boglehead approach to investing, so if I could have ...
by TonyDAntonio
Wed Jan 24, 2018 10:29 pm
Forum: Investing - Theory, News & General
Topic: What to do with cash now
Replies: 27
Views: 3867

Re: What to do with cash now

I'm 58 and retired. I've been slowly selling equities and now have 23% in cash like investments. I plan on spending some or all of this money. I guess if the market crashes enough (not sure how much that would be) I'd put some back in the market.
by TonyDAntonio
Wed Jan 24, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 12779

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

@vested1, thanks for the reply. But I cannot say I understand everything you wrote. I guess that your wife has filed for SS benefits and you are delaying until age 70. I guess your "deferred mature annuity" is all cash. This whole thread really re-iterates what Kitces wrote in the article linked by...
by TonyDAntonio
Tue Jan 23, 2018 11:49 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 12779

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

I have a full FIVE YEARS of net spending requirement (difference between annual spending and income) in VG Prime MM and Ultra Short. Zero in bonds. All the rest in broad market stock index funds. This strikes me like going to a tennis match, watching the ball go back and forth with no personal stak...
by TonyDAntonio
Tue Jan 23, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 12779

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

Kitces points to another article on the cash story. That article is similar to one at EarlyRetiremenNow: https://earlyretirementnow.com/2017/03/29/the-ultimate-guide-to-safe-withdrawal-rates-part-12-cash-cushion/ I do not use a bucket strategy. I hate cash and try not to have more than a few weeks ...
by TonyDAntonio
Tue Jan 23, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: "The Pain of Discipline or the Pain of Regret?"
Replies: 33
Views: 3793

Re: "The Pain of Discipline or the Pain of Regret?"

I choose the pain of discipline. Me too. I don't even find it painful :). Exactly. As I build a pile of 'cash' that may likely take me all the way to SS while still having more money invested in equities than ever (while reading that this isn't the optimum way to run a portfolio) I find that I'm no...
by TonyDAntonio
Tue Jan 23, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 3035

Re: Cutting cable

Just for nuthin'...50 years ago I remember 'helping' my dad install and adjust a big roof top antenna. I now find myself thinking about installing a roof top antenna as the first step in cord cutting. Incredible.
by TonyDAntonio
Mon Jan 22, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5440

Re: Pros and Cons of High Rise Condos for retired couple

One other thing to consider: the homeless situation in SF is getting worse by the day. And I don't know what ramifications that will have but I don't think it will be good. I love SF. I was born and raised there. My wife and I literally walk thousands of miles in SF, last year we walked 1800 miles t...
by TonyDAntonio
Mon Jan 22, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 115
Views: 28345

Re: Vanguard opens special offices for $1 million clients

We have been with Vanguard for a long time and I don't have any complaints about their customer service. I wish they'd provide more robust online security, such as supporting Google Authenticator, but other then that, I don't have any complaints. The web site is easy enough to use--I can do just ab...
by TonyDAntonio
Sun Jan 21, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 34861

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Net worth well north of $1,000,000 and I still cut my own hair. You think I'm going to trust someone with my finances when I don't trust anyone else with something as valuable as my hair?
by TonyDAntonio
Sun Jan 21, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: AA is much harder than I thought...
Replies: 45
Views: 5316

Re: AA is much harder than I thought...

Investing for retirement at 33 couldn't be easier: Pick an allocation. Flip a coin if you have to. 100-0, 90-10, whatever. Half international, some international, no international, whatever. Again flip a coin if you can't decide. Then pour as much money into it with each paycheck. Rebalance whenever...
by TonyDAntonio
Sat Jan 20, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 130
Views: 18544

Re: GE and the myth of "safe blue-chip stocks"

I don’t have any interest in buying individual stock. But I’d love to be the next CEO of GE trying to turn it around. Sounds like a fascinating challenge. GE board members can PM me 8-) Forget the challenge. I'd like to be CEO because even if I ran it into the ground, like Imelt, I'd make millions....
by TonyDAntonio
Fri Jan 19, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 2116

Re: Learning Swimming @ 40+

I learned how to swim when I was 14 after years of failed attempts with private lessons. The trick for me was using flippers a mask and a snorkel tube. I could kick around the pool (and then the ocean...still can't believe I did that and probably won't ever again) and get the confidence that I could...