Search found 482 matches

by onthecusp
Mon Nov 12, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Best educational resource to learn core financial and business metrics
Replies: 1
Views: 171

Re: Best educational resource to learn core financial and business metrics

Investopedia has good explanations of a wide variety of metrics that may be referenced by various internet readings.

There are whole MBA programs related to this so it is hard to know where to start. :confused :moneybag
by onthecusp
Fri Nov 02, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2198

Re: What does your gut tell you; RMD now or in December?

The arguments in favor of lump sum investments at the beginning of the year in accumulation would tend to argue in favor of taking RMDs as a lump sum at the end of the year in decumulation. Agree with analogy but perhaps not conclusion. Lump sum withdrawal as late as possible likely works out best ...
by onthecusp
Thu Nov 01, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2198

Re: What does your gut tell you; RMD now or in December?

Stay the course! You realize that your current question could be rephrased as: "Do I now time the market in the short term? Sell now before it goes down more or hold for a month so it can recover?" Setting a course is an interesting question that I'm going to be faced with soon. In edit, I realized ...
by onthecusp
Mon Oct 29, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting out at 39 yrs old.
Replies: 37
Views: 5308

Re: Just starting out at 39 yrs old.

One commonly stated target is to have 25 times your annual expenses saved at retirement. I think the above goal should be stated 25 times the amount you plan to withdraw from savings each year. Right. For many people here that means you can subtract expected social security (or pension etc.) from e...
by onthecusp
Wed Oct 24, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 61
Views: 3403

Re: "consultation fee": standard for preventative colonoscopy?

I recently had some pretty minor dental surgery, a wisdom tooth extraction, and ran into the same nonsense. A $200 initial consult that seemed to be a pretty cursory look in my mouth and a stack of the usual forms. Not covered. Had to schedule the actual surgery for later. I've had teeth extracted b...
by onthecusp
Tue Oct 23, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Best broker for buying US Treasures
Replies: 10
Views: 1007

Re: Best broker for buying US Treasures

Supply and demand, which is influenced by expectations of future fed action (not just this year but next year too). Simplistically, if the market collectively assigns a 90% chance to a 25bp hike then current prices are 0.9 x 25= 22.5bp higher than what they would otherwise be. Tha same applies to th...
by onthecusp
Tue Oct 16, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604973

Re: U.S. stocks in freefall

Did anyone see where my car went? It was parked on top of the rest of my retirement funds that are still there. You shoulda bought one with more safety features. Yeah, maybe 60/40 crash protection! LOL Happy days are here again! I found the car, turns out it just rolled away staying in a straight c...
by onthecusp
Mon Oct 15, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security [impact of earnings on benefits]
Replies: 29
Views: 2844

Re: social security

+1 on the opensocialsecurity calculator.
by onthecusp
Mon Oct 15, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2083

Re: Bed bug problem attack plan

+1 for non toxic diatomaceous earth. Buy a hand puffer and wear a mask as it is harmful to your lungs. It works. Make sure it is not pool filter diatomaceous earth, which contains about 70% crystalline silica, and is a particular problem for your lungs. "Food Grade" DE does not share this problem, ...
by onthecusp
Mon Oct 15, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2088

Re: Advice on Three-Night English Road Trip

Sounds very nice! Looking forward to the review.
by onthecusp
Mon Oct 15, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604973

Re: U.S. stocks in freefall

Doom&Gloom wrote:
Mon Oct 15, 2018 7:46 pm
onthecusp wrote:
Mon Oct 15, 2018 7:06 pm
Did anyone see where my car went?

It was parked on top of the rest of my retirement funds that are still there.
You shoulda bought one with more safety features.
Yeah, maybe 60/40 crash protection! LOL
by onthecusp
Mon Oct 15, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604973

Re: U.S. stocks in freefall

Did anyone see where my car went?

It was parked on top of the rest of my retirement funds that are still there.
by onthecusp
Mon Oct 15, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15515

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

TX is: Hot Humid Doesn't rain much Getting crowded Traffic is bad 8.25% sales tax 2-3% of the value of your home will be your annual property tax, and it will go up every year Just so you know... So property tax is how much monthly? and how much does it go up every year? and why does it go up every...
by onthecusp
Fri Oct 12, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Bond Market Factors
Replies: 11
Views: 930

Re: Bond Market Factors

I think the Fed policy to normalize rates is most important. As Bill Gross once said, the economy cannot function like this. Looking to the horizon I think the 2020's will be a buyer's market. FFR around 3.5%, Agency bonds, LT bond funds, dividend funds, and REIT's all looking at very good yields. ...
by onthecusp
Fri Oct 12, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: Bond Market Factors
Replies: 11
Views: 930

Re: Bond Market Factors

Thanks for the comments regarding bond strategies. I guess I could have said that I have all my bond investments in a couple of Fidelity treasury funds. FIBAX - Fidelity® Intermediate Treasury Bond Index Fund Premium Class (0.03% ER) FSBAX - Fidelity® Short-Term Treasury Bond Index Fund Premium Clas...
by onthecusp
Fri Oct 12, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: Bond Market Factors
Replies: 11
Views: 930

Bond Market Factors

Recently rising rates gets more people talking about bonds as investments. Talking heads (or disembodied voices on the radio) make various statements that purportedly explain what is going on. One comment that I heard on the radio was an economist using a bunch of words to basically say that with hi...
by onthecusp
Fri Oct 12, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: over 55k in 401k with profit-sharing...
Replies: 14
Views: 610

Re: over 55k in 401k with profit-sharing...

i strongly against put profit sharing into 401k. if you over 55k, you are going to miss the company match. because employer will stop the match if your over 55k irs limit. Many plans do a "true up" early in the following year so that one does not miss out on the match. But it is not universal. Need...
by onthecusp
Wed Oct 10, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Spousal Benefit Amount
Replies: 19
Views: 1466

Re: Calculating Spousal Benefit Amount

This is the reason that SS optimization programs may actually suggest not waiting to age 70 for couples where one spouse is going to be receiving 1/2 of the other's SS, since the 1/2 benefit isn't increasing. In our case, they tend to recommend something in the age 68 range. We are kinda unique tho...
by onthecusp
Tue Oct 09, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3905

Re: Neighbors tree branch growing too close to my house

There were several posts indicating I should pay for it. Why is this the case when it is my neighbor's tree that is invading my property and causing potential harm to my house? It is pretty well established law in all areas I've lived that if a branch comes down and damages my house, my insurance a...
by onthecusp
Mon Oct 08, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Review Request - 5 years later
Replies: 10
Views: 1687

Re: Retirement Portfolio Review Request - 5 years later

Just a few high level comments. It looks like you have done well in 5 years. Between saving and investing you have grown your account by about 2.5X, over 20% per year. You also got rid of car debt and have a moderate amount of reasonable rate mortgage. I would not prioritize mortgage pay off versus ...
by onthecusp
Mon Oct 08, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2088

Re: Advice on Three-Night English Road Trip

Have fun and be flexible. I would plan to get to the airport early enough to drop off the car and be inside by 9:00 unless you are blasé about missing flights. Saturday mid morning is a pretty busy time at Heathrow. Car drop off and immigration can get backed up randomly. I have cut it closer than t...
by onthecusp
Mon Oct 08, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6502

Re: Larry Swedroe: Why Emerging Markets Matter

Bogleheads: Vanguard Total Stock Market Index Fund contains: 20.60% Emerging Markets 42.50% Europe 29.60% Pacific 0.40% Middle East 6.60% North America 0.30% Other Strive for simplicity (read link below). Best wishes. Taylor I had no idea that TSM was so underweighted in North America! That seems l...
by onthecusp
Mon Oct 08, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Planning to retire, but nervous about being ready.
Replies: 10
Views: 1425

Re: Planning to retire, but nervous about being ready.

Just wanted to add that is a great pension! If it is as high as you think it certainly simplifies the other planning and is a low risk part of the piece offsetting the real estate risk somewhat.
by onthecusp
Mon Oct 08, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Planning to retire, but nervous about being ready.
Replies: 10
Views: 1425

Re: Planning to retire, but nervous about being ready.

Welcome to the forum! Sort out the above issues before dumping money into the house on enhancements. I would tend to hold the cash in an emergency fund, which you did not mention, and use it for necessary repairs which may occur. It is rare that enhancements pay off 100%. Then depending on the pensi...
by onthecusp
Sat Oct 06, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Former Employer Contracting Opportunity - Share Your Thoughts
Replies: 29
Views: 1577

Re: Former Employer Contracting Opportunity - Share Your Thoughts

Very interested in this as I'm planning on supplementing a slightly "early" retirement with part time work. I've thought about it a lot and have some former full time consulting experience and work with other consulting engineers now so I have an idea of comparable rates and how management reacts to...
by onthecusp
Thu Oct 04, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Anyone tried basil tea?
Replies: 24
Views: 1499

Re: Anyone tried basil tea?

And this is why medical advice is off limits here!
by onthecusp
Thu Oct 04, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Estimating Social Security
Replies: 4
Views: 743

Re: Estimating Social Security

The procedure I just used for my wife and I is to go to the government social security website and open a "my social security" account. When you have that, go to socialsecurity.tools at https://socialsecurity.tools/app.html It will tell you how to find the right information in your "my social securi...
by onthecusp
Thu Oct 04, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22350

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Yes, now that I understand the advanced options I like it better than the defunct bedrock capital calculator that inspired Mike to start this journey.
Thanks Mike! :beer
by onthecusp
Wed Oct 03, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Take the hit or ride it out?
Replies: 21
Views: 3695

Re: Take the hit or ride it out?

I think keeping some of the money in pounds is little different from an international diversification with currency risk back loaded to some future date when you use the money. If you retain close ties with the UK, return regularly or possibly permanently in the future, that is also another reason t...
by onthecusp
Wed Oct 03, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15515

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

livesoft wrote:
Wed Oct 03, 2018 7:13 am
^It's only worse in Idaho. :)
What's wrong with Idaho? I'm considering it for retirement from Texas so was hoping for an upgrade! :P
by onthecusp
Tue Oct 02, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22350

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Just curious, does the math treat the median ages at death as two hard stops? Something I read recently pointed out that the median age at death for the second partner is higher than the median age for either one alone. For each year until both people would be age 115, the calculator calculates: 1)...
by onthecusp
Tue Oct 02, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22350

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I noticed this when I played around with alternate tables as my wife is a former smoker so I changed her table to Smoker Preferred and mine to non smoker preferred as I am in decent health. I was surprised when this changed the recommendation for my lower earning wife to take benefits later (close ...
by onthecusp
Tue Oct 02, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22350

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Thanks, I got lazy once I got into discussion mode here. It is pretty specific that deemed filing applies to spousal benefits and if SS does not say it applies to something else, then it does not. I agree with not cluttering up the results page, I did not read those caveats until I printed it out an...
by onthecusp
Tue Oct 02, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22350

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Yes, very helpful. Seems the SS assumptions are just a bit better than the 'smoker preferred' option. About what I would expect. I'll run some alternate scenarios again tonight and see if I still have any questions. Thanks! :D An additional question brought on by considering our own Mortality. In th...
by onthecusp
Mon Oct 01, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22350

Re: "Open Social Security" calculator: feature requests, bug reports, etc

What a wonderful tool, thanks for all the time and effort that has gone into it from you and the reviewers above. I've been working with it for about a week now, and the study has filled in many points about Social Security that I have been unclear on. In particular using this together with the outp...
by onthecusp
Wed Sep 26, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3439

Re: When do you need a hearing aid

Have had hearing aids for about 2 months now and just getting fully used to them. Instead of things sounding abnormally bright and "brittle" as they did at first, things sound "muddy" when I take them out. Another vote for Costco. They have a variety of brands besides Kirkland and from what I gather...
by onthecusp
Thu Sep 20, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable fee charged by financial planners?
Replies: 30
Views: 2274

Re: What is a reasonable fee charged by financial planners?

Yeah, I am beginning to think I can do it myself. I have pretty much done all the work myself anyhow. I have projected out our finances for the next 35 years and have conducted multiple "what-if" scenarios as to when distributions and social security might hit. I have used the open social security ...
by onthecusp
Thu Aug 30, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 5359

Re: Bosch dishwasher odor

We have the same issue. We keep it under control with all of the above, (prop the door open, rinsing dishes and milk glasses, cleaning the filter, checked the drain hose routing). The door is kind of a hassle to prop open too, it snaps shut with the slightest provocation unless I leave it half open....
by onthecusp
Mon Aug 27, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9756

Re: What is your stealth way to save monthly?

Whatever you call it, I automate certain things that contribute to saving and that would take conscious decisions to reverse and make the $ available for spending if needed. Max out 401k. Max out the employee stock ownership plan. Pay a little extra on the Mortgage with auto bill pay. Participate in...
by onthecusp
Sat Aug 25, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Cheaters or prescription bifocals
Replies: 22
Views: 1528

Re: Cheaters or prescription bifocals

I used "cheaters" until I got tired of keeping track of them and decided it would be better to keep glasses on all the time. I went with progressive lenses but the top was essentially non prescription at first. Years later I have a little astigmatism so that correction is in three now. Once you need...
by onthecusp
Thu Aug 23, 2018 10:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 85
Views: 17220

Re: Houston Chapter

New here. I live in Cypress. Any meetings in NW Houston? Welcome. :happy The two recent ones have been on the West side near the 610 loop. There were four of us a few months ago and missed connections on the most recent try. It was a good conversation the first time, I think we need to get a little...
by onthecusp
Tue Aug 21, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 5881

Re: physics/math major looking for programmer/analyst job?

A good intersection of programming and physics is in some sort of Chemical or Oil/Gas Process Control and Instrumentation Engineering. (Mid Atlantic, Chicago, and Gulf Coast are the concentrated areas but the industry is spread out all over.) I've known a few physics majors in the field. Entry level...
by onthecusp
Thu Aug 16, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Master bathroom addition question
Replies: 10
Views: 763

Re: Master bathroom addition question

We have a bathroom that is behind the headboard on our bed. The plumbing in the wall between makes for extra noise in the morning if one of us wants to sleep in, but it is not too bad. At least the shower is on the other wall.
by onthecusp
Mon Aug 06, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: All cash retirement portfolio
Replies: 14
Views: 2485

Re: All cash retirement portfolio

All cash just seems destructively conservative to me. Either the CD ladder suggested to just keep up with inflation, or a small stock allocation (20%) to try and beat inflation. If you want to explore the stock allocation, this table might be useful. https://paulmerriman.com/wp-content/uploads/2018/...
by onthecusp
Mon Aug 06, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 21908

Re: "Don't Obsess About Expense Ratios"

I'm invested through Fidelity and applaud the reduction. Of course I don't see a big difference between 0.04% and zero; at least not compared to one of my slice and dice funds (International REIT) that is 0.48%. Anyway, changing would be relatively easy but I'm not making a sudden effort. I might lo...
by onthecusp
Thu Aug 02, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: 4% rule .. but when?
Replies: 35
Views: 4317

Re: 4% rule .. but when?

Person B should use 4% of the highest recent balance. That is a nice simple improvement on the usual 4% rule statement.
by onthecusp
Wed Aug 01, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of Current Income on Decision to Retire Early
Replies: 76
Views: 6330

Re: Effect of Current Income on Decision to Retire Early

I wonder if the OP can go to half-time and make instead of $200,000 about $100,000, but not save so much money (be sure to still max out retirement plan contributions, maybe pay expenses from taxable). That way they can try out early retirement. This is exactly what I'm trying to do. But I haven't ...
by onthecusp
Wed Aug 01, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Roth vs Traditional at Cusp of 32% Bracket
Replies: 15
Views: 1195

Re: Roth vs Traditional at Cusp of 32% Bracket

You can contribute after tax dollars to a regular IRA up to a certain limit. I have never understood the rationale for doing so.

I just had to find a way to contribute to a thread with "Cusp" in the name. :D
by onthecusp
Wed Aug 01, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2411

Re: Durable Dress Shoes for Commute

I've been wearing a pair of Rockports for about 5 years now and they still look great. Replaced the laces about a year ago.
by onthecusp
Wed Aug 01, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Matter-scatter, part 4: Bond allocation
Replies: 8
Views: 1892

Re: Matter-scatter, part 4: Bond allocation

The big point is that you should be thinking of it as if there were perfect certainty that you'd get $5,000 more. It is $5,000 more in the context of $118K uncertainty about how much you will get. Great stuff nisprius. I was wondering about your big point. Is there a typo? I would think that there ...