Search found 218 matches

by B4Xt3r
Wed Aug 15, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24010

Re: most compelling TV character ever

bowtie wrote:
Sun Aug 05, 2018 5:20 pm
As long as we are listing Jean Luc Picard, I'll add "Q" and Data.
+1 esp. for Data. The episode where he plays his evil brother, himself, and his father was golden.
by B4Xt3r
Sun Aug 05, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: US and UK Deep History: Safe Withdrawal Rates
Replies: 38
Views: 3208

Re: US and UK Deep History: Safe Withdrawal Rates

What "safe withdrawal rate" exists at the 90% level (i.e. like 90% of the retirement periods the portfolio didn't run out) for the 70% equities equally split between 35% domestic and 35% international (and the remaining in 30% bonds)? Is that more like 5% perhaps? Here you are. First line is the ab...
by B4Xt3r
Sat Aug 04, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: US and UK Deep History: Safe Withdrawal Rates
Replies: 38
Views: 3208

Re: US and UK Deep History: Safe Withdrawal Rates

If you'll entertain it, I have a quick question since you seemingly have the data. What "safe withdrawal rate" exists at the 90% level (i.e. like 90% of the retirement periods the portfolio didn't run out) for the 70% equities equally split between 35% domestic and 35% international (and the remaini...
by B4Xt3r
Fri Jul 20, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Somewhat odd HSA question
Replies: 5
Views: 549

Re: Somewhat odd HSA question

She actually maxed it out. That said, it seems that we cannot max my new one out for the rest of the year. Thanks.
by B4Xt3r
Thu Jul 19, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Somewhat odd HSA question
Replies: 5
Views: 549

Somewhat odd HSA question

Hi All, DW has an HSA where she named me as the beneficiary that she essentially maxed to the family limit. During that time, my health insurance came through her job. She recently quit so that we could move for me to begin a job, where I will have an HSA, will name her as the beneficiary, and provi...
by B4Xt3r
Tue Jul 17, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2901

Re: Would you pay $120 for a 5 year dishwasher warranty?

No. Two reasons. 1) I can afford to replace if something goes wrong. 2) My assumption is that the warranty company calculated the price of the warranty to exceed the expected costs they will end up paying out to customers. Why would I pay for something that is negative expected value when I can eas...
by B4Xt3r
Thu Jul 12, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1535

Re: Emergency fund checkup

OP here, I'd like to reiterate that I'm not asking for advice for about where to put my emergency fund nor wether or not to save for moving expenses. I'm only asking as to whether or not I have reasonably estimated all one-time costs associated with selling a ~$300k house, moving ~1500 miles, and bu...
by B4Xt3r
Thu Jul 12, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1535

Re: Emergency fund checkup

Roth IRAs are for retirement savings, not for parking emergency funds. Emergency funds should be kept outside so you can access them without taxes or penalties. Contributions can be withdrawn at any time, tax and penalty free. For this reason, many bogleheads actually use Roth IRAs as a part of the...
by B4Xt3r
Wed Jul 11, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1535

Re: Emergency fund checkup

It doesn't make sense to me to increase your emergency fund by 21k to account for realtor fees, etc. You're headed down the road of mental accounting at that point, and also setting yourself up for significant cognitive bias around your transaction. Regarding the rest of your numbers, I think you a...
by B4Xt3r
Wed Jul 11, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1535

Re: Emergency fund checkup

What are you missing? An EF should be refillable. A rIRA (all your tax-advantaged accounts) is not. If you remove $5K from your rIRA to pay for this move, you'll lose the otherwise tax-free market growth from now until withdrawn in retirement. Assume 7% market growth over 40yrs and you are giving u...
by B4Xt3r
Wed Jul 11, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1535

Re: Emergency fund checkup

Most people don't consider those expenses as "emergency" expenses. Most emergencies are hard to predict — will you be hit by a car and injured, or have flood damage to your house, or lose your job? So to handle these low-probability risks you set aside a big lump of money for them, and then move on...
by B4Xt3r
Wed Jul 11, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1535

Re: Emergency fund checkup

Roth IRAs are for retirement savings. Emergency funds should be kept outside so you can access them without taxes or penalties. Also, an outside EF protects you from raiding the IRA when something happens. Generally true, but many ppl cannot max out retirement accounts and then the ROTH IRA can be ...
by B4Xt3r
Wed Jul 11, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1535

Re: Emergency fund checkup

Roth IRAs are for retirement savings, not for parking emergency funds. Emergency funds should be kept outside so you can access them without taxes or penalties. Contributions can be withdrawn at any time, tax and penalty free. For this reason, many bogleheads actually use Roth IRAs as a part of the...
by B4Xt3r
Wed Jul 11, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1535

Emergency fund checkup

Hi All, I've got a question about emergency funds. I currently have 8 months of expenses in contributions to Roth IRAs using a 10:90 split between vanguard total stock market and vanguard short-term bond mutual funds. I realized that I forgot about an important "emergency" expense, namely the moving...
by B4Xt3r
Thu Jun 21, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Valuing an extended powertrain plan
Replies: 2
Views: 267

Valuing an extended powertrain plan

Hi All,

I'm considering buying a 2018 F150 and the dealer is offering an extended power train warranty that extends the warranty period from 5 years/60,000 miles to 10 years/100,000. So what is a fair market value for an extra 5 years/40,000 miles of powertrain warranty? $600 perhaps?

Thanks!
by B4Xt3r
Fri Jun 15, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3028

Re: Job in MA, live in MA, RI, or CT?

Wow, ppl really don't like CT.
by B4Xt3r
Fri Jun 15, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3028

Re: Job in MA, live in MA, RI, or CT?

OP Here,

Job is south of worcestar by about 20 minutes. I'm totally unfamiliar with the area, so any comments about places to look at will be welcome.
by B4Xt3r
Fri Jun 15, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3028

Re: Job in MA, live in MA, RI, or CT?

HueyLD wrote:
Fri Jun 15, 2018 12:18 pm
B4Xt3r wrote:
Fri Jun 15, 2018 11:35 am
I find little value in the services that government offers and thus wish to keep the most of my paycheck as I can.
What does that mean? Could you please elaborate?
Like I don't wish to pay taxes.
by B4Xt3r
Fri Jun 15, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3028

Job in MA, live in MA, RI, or CT?

Hi All, I just accepted a job offer in MA that is within commuting distance of MA, RI, or CT. Anyone have a suggestion as to choosing which state to have as my permanent residence if my goal is to minimize cost of living (i.e. all state related taxes/fees + housing)? I find little value in the servi...
by B4Xt3r
Thu Jun 14, 2018 6:06 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6037

Re: Anyone with a paid off house drop homeowners insurance

Every year I have the same dilemma. My home insurance is due for renewal next month. And I just hate writing a check for $700 a year for a house appraised at approx. $240,000 when I could self insure if the whole thing burned down. And I basically I don't trust insurance companies, they are out to ...
by B4Xt3r
Thu Jun 14, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6037

Re: Anyone with a paid off house drop homeowners insurance

Call me a fool if you like but I dropped my homeowners insurance, on a similar valued home, 10 years ago when the premiums went to $4500 year. And this was with a 5% deductible. I don't regret it. It does cause me to be much more diligent on maintenance and upkeep. ^ This is an often overlooked sid...
by B4Xt3r
Wed Jun 13, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed
Replies: 27
Views: 2599

Re: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed

It's said one of the worse things investors can do is constantly tinker with their investment strategy. It's hard to do when you keep reading about value tilts, emerging markets, REITs, US vs International, tax efficiency, etc. I would argue it is even worse to stick with an investment strategy tha...
by B4Xt3r
Fri Jun 08, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4020

Re: Death - Prediction

^ Phew, looks like I made it.
by B4Xt3r
Fri Jun 08, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4020

Re: Death - Prediction

https://www.cdc.gov/nchs/nvss/mortality/lewk3.htm Using the above data, I project a year of death + standard deviation. I have no reason to believe I won't be similar to the average. Great link, thanks NP. OP, look at the fifth column in the data sheets contained within my link. Expectation of life...
by B4Xt3r
Fri Jun 08, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4020

Re: Death - Prediction

Those data are interesting - as a white male at 78 I have the lowest average life expectancy compared to any other group in above data, and at the same age as my father lived to. Being healthy and having healthy habits I could perhaps gain a little though. Be careful, its only 78 *when you are born...
by B4Xt3r
Fri Jun 08, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4020

Re: Death - Prediction

https://www.cdc.gov/nchs/nvss/mortality/lewk3.htm

Using the above data, I project a year of death + standard deviation. I have no reason to believe I won't be similar to the average.
by B4Xt3r
Wed Jun 06, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Cash Accumulation - where to invest it?
Replies: 11
Views: 850

Re: Short Term Cash Accumulation - where to invest it?

I had to look up the ticker, but Managed Payout Fund is about the last place to put money needed in the short run. The volatility is too high, aka it is risky. The usual suspects would be savings accounts, CDs, money market funds, and very short bond funds. ^ This. Have you considered VUSFX, "Vangu...
by B4Xt3r
Wed Jun 06, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5842

Re: When should you consider removing the collision coverage on a car?

Insurance companies make money, I only insure things that would be painful to replace. This. If the cost to replace is less than 10% of your liquid, non-retirement assets , insurance isn't "necessary" in my mind. That would be about $500 for me :( In such a situation, I'd probably consider keeping ...
by B4Xt3r
Wed Jun 06, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5842

Re: When should you consider removing the collision coverage on a car?

David Jay wrote:
Tue Jun 05, 2018 8:38 pm
Insurance companies make money, I only insure things that would be painful to replace.

This. If the cost to replace is less than 10% of your liquid, non-retirement assets, insurance isn't "necessary" in my mind.
by B4Xt3r
Tue Jun 05, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: vanguard fund that is the safest fund that is most likely to just keep up with inflation
Replies: 18
Views: 2594

Re: vanguard fund that is the safest fund that is most likely to just keep up with inflation

I hate to sound evasive but it depends a little bit on what you mean by "keep up with inflation" and over what period of time. Although the value of TIPS bonds reset to match inflation twice year, they are exposed to interest rate risk and therefore can experience a DROP IN REAL VALUE for extended ...
by B4Xt3r
Tue Jun 05, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: vanguard fund that is the safest fund that is most likely to just keep up with inflation
Replies: 18
Views: 2594

Re: vanguard fund that is the safest fund that is most likely to just keep up with inflation

If you read the notes the SEC yield on TIPS funds is real dollars while on nominal funds is nominal dollars. In short term funds it probably doesn't make much difference which you choose but note investor bonds and Treasuries are not quite the same thing for overall risk. If you really mean the saf...
by B4Xt3r
Tue Jun 05, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: vanguard fund that is the safest fund that is most likely to just keep up with inflation
Replies: 18
Views: 2594

Re: vanguard fund that is the safest fund that is most likely to just keep up with inflation

BogleMelon wrote:
Tue Jun 05, 2018 8:41 am
B4Xt3r wrote:
Tue Jun 05, 2018 6:13 am
just keep up with inflation.
How about I bonds?
Maybe? Does vanguard sell an I bond fund? I'm looking for something that I can sell w/o penalty at anytime.
by B4Xt3r
Tue Jun 05, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: vanguard fund that is the safest fund that is most likely to just keep up with inflation
Replies: 18
Views: 2594

Re: vanguard fund that is the safest fund that is most likely to just keep up with inflation

If you read the notes the SEC yield on TIPS funds is real dollars while on nominal funds is nominal dollars. In short term funds it probably doesn't make much difference which you choose but note investor bonds and Treasuries are not quite the same thing for overall risk. If you really mean the saf...
by B4Xt3r
Tue Jun 05, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: vanguard fund that is the safest fund that is most likely to just keep up with inflation
Replies: 18
Views: 2594

Re: vanguard fund that is the safest fund that is most likely to just keep up with inflation

What do you mean by "safe"? Is safe for you "the fund will be there if the economy blows up" or is safe "the current balance in the account will never be more than (pick a number: say 5% ) lower than it is today? These are two quite different forms of "safe" and that will affect the recommendation....
by B4Xt3r
Tue Jun 05, 2018 6:13 am
Forum: Investing - Theory, News & General
Topic: vanguard fund that is the safest fund that is most likely to just keep up with inflation
Replies: 18
Views: 2594

vanguard fund that is the safest fund that is most likely to just keep up with inflation

I'm looking for the vanguard fund that is the safest fund that is most likely to just keep up with inflation. Two questions: Between Vanguard Short-Term Bond Index Fund Investor Shares (VBISX) and Vanguard Short-Term Inflation-Protected Securities Index Fund Investor Shares (VTIPX), which one? Also ...
by B4Xt3r
Sat Mar 24, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3215

Re: $35/month for washer dryer rental?

I suppose that I should mention that I plan to buy a house after this. When one buys a house, how safe is it to assume that it will not come with a washer/dryer?
by B4Xt3r
Sat Mar 24, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3215

$35/month for washer dryer rental?

Hi All, I've got an apartment lease coming up that that I intend to stay at for ~3 years who are offering a washer dryer rental for $35/month, which I think is kind of high. Do you think that $35/month is a reasonable cost? I am wondering if I should just purchase my own washer/dryer in-unit. For ex...
by B4Xt3r
Thu Mar 01, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Short-term auto loans & credit score
Replies: 2
Views: 211

Short-term auto loans & credit score

Hi, I have a quick question. I'll have the option to pay cash for a new vehicle, or take out an auto loan briefly and then pay it the first month. Is the later preferable to a credit score perspective? My wife and I plan on having a mortgage in ~ two years, so obviously we want the best credit score...
by B4Xt3r
Wed Feb 07, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: 26yr old - Check Up - How am I doing?
Replies: 9
Views: 1697

Re: 26yr old - Check Up - How am I doing?

You guys are killing it for your age. Not many 24-26 year olds have this kind of awareness of their finances. I certainly didn't. I was 34 before I started to pay attention like this. Great work! I would not contribute to a taxable account though for savings for things like vehicles or house down p...
by B4Xt3r
Sun Feb 04, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2960

Re: Need help - first major career choice (fed. gov.)

Honestly comparing something as varied as the Federal Government to the even more varied private sector is difficult without knowing the particulars. I worked as a civil servant but left after a few years and have never once regretted that decision. I moved to government contracting and then a rath...
by B4Xt3r
Sun Feb 04, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2960

Re: Need help - first major career choice (fed. gov.)

LosFederales wrote:
Fri Feb 02, 2018 10:25 am
Don't overlook job security and the 40 hour week, which provides you with the ability to have a side grind.
I have to admit that this is part of the appeal.
by B4Xt3r
Sun Feb 04, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2960

Re: Need help - first major career choice (fed. gov.)

As for whether the pension alone is worth the 20-30k, keep in mind that you are essentially paying slightly more than 4% of your income per annum to fund the pension. This pension may or may not receive a haircut in the future (let's hope not). Net all the other expenses of a place with higher cost...
by B4Xt3r
Sun Feb 04, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2960

Re: Need help - first major career choice (fed. gov.)

In addition to the pension + TSP + social security retirement benefits noted above, the feds offer health insurance to retirees, which is practically unheard of in the private sector these days. Also, in addition to the paid annual leave (which starts at 4 hours per pay period, increases to 6 hours...
by B4Xt3r
Sun Feb 04, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2960

Re: Need help - first major career choice (fed. gov.)

Valuethinker wrote:
Fri Feb 02, 2018 10:13 am
I think that this is good advice.

A career that begins relatively young in the US Federal civil service can build up some good long term benefits.
I think this is my impression.
by B4Xt3r
Sun Feb 04, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 7025

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

Regarding OP comment "why do you not use the that same reasoning to buy the market proportion of bonds to bonds?" Most types of bonds are not available to purchase, other than something like a US Treasury. Try and purchase some random specific issue of a muni or a corporate bond, it may not be avai...
by B4Xt3r
Sun Feb 04, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 7025

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

For me the biggest reason I don't go for "total market" between asset classes is that for the most part they serve different purposes and aren't all equally desirable/prudent for me. Plus I don't have anywhere to keep a race horse and I don't want any bit coins or baseball cards. I'm being a little...
by B4Xt3r
Sun Feb 04, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 7025

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

So after reading all of the replies, I guess perhaps it comes down to wether or not one believes in factors like small and/or value...
by B4Xt3r
Sun Feb 04, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 7025

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

Would you mind explaining why small cap value has lower efficiency? So, lets go through this step by step. This goes back to risk adjusted return. While holding risk constant, can I get a higher expected return? While holding expected return constant, can I build a portfolio with lower risk? Optimi...
by B4Xt3r
Fri Feb 02, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2960

Need help - first major career choice (fed. gov.)

Hi all, I have a question for you all. I was offered a job to work with the federal gov, I'm hoping for some comments about the finances of such a job. I think it seems reasonable, but I'm curious if any of ya'll see something that I didn't catch. Some highlights: Location is rural, LCOL, I could fi...
by B4Xt3r
Tue Jan 30, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 7025

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

I'm not thinking about "free" money, but rather a higher risk and therefore higher reward, regardless if it has a higher risk adjusted reward or not. Which portfolio would yo pick? Portfolio #1, high risk, high return, higher efficiency, lower fees. Portfolio #2, high risk, high return, lower effic...