Search found 1379 matches

by rgs92
Sat Oct 21, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Link to Peter Bernstein the 60/40 solution full article
Replies: 8
Views: 846

Re: Link to Peter Bernstein the 60/40 solution full article

Thanks. Great article. (The link worked fine for me.)
by rgs92
Sat Oct 21, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Mercedes Benz E300 Navigation System
Replies: 35
Views: 1381

Re: Mercedes Benz E300 Navigation System

Thanks dollarsaver for the E400 info. That was off my radar. All the best to you.
by rgs92
Fri Oct 20, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Mercedes Benz E300 Navigation System
Replies: 35
Views: 1381

Re: Mercedes Benz E300 Navigation System

Thanks. I sat in the E300 at a car show and was impressed with the comfort. It was much better than the last generation E(the E350) that I had as a loaner car and was squirming around in. Yep, the Lexus GS felt confining and seats felt like a Camry for half the price. I'm hoping they bring back a 6-...
by rgs92
Fri Oct 20, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Is a crash coming soon?
Replies: 64
Views: 5317

Re: Is a crash coming soon?

Nice post scone. That says it all nice and succinctly. Best to you.
by rgs92
Fri Oct 20, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Mercedes Benz E300 Navigation System
Replies: 35
Views: 1381

Re: Mercedes Benz E300 Navigation System

How is the E300 otherwise? Thank you for any thoughts you may have.
by rgs92
Thu Oct 19, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 28023

Re: Retirement Account Stolen by Identity theft

It's hard to believe that a financial institution would allow an account to be open with transactions of any kind (at least withdrawals) without an associated email address. I mean, could you open a credit card or Paypal account without email? Does anyone have an old credit card account without emai...
by rgs92
Thu Oct 19, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 27
Views: 2420

Re: How soon to cancel a credit card after signup bonus.

It was not Chase bank or Citi (or Amex). It was a Visa though from a well known bank that is mentioned around here. I did not spend on travel or airline points, just regular things like food and other ordinary goods. I now have a nice $500 credit (and a $95 fee for annual membership). So I'm ahead b...
by rgs92
Thu Oct 19, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5367

Re: 2018 Honda Accord

Yep, Cadillac seats (and the driving position and pedal placement) used to be excellent back in the 90s/early 2000s, but then they became awful and confining and hard and small. What's going on? (This happened to a lot of American cars.) It's terrible.
by rgs92
Thu Oct 19, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 6998

Re: How many miles/years do you keep your car?

About 70,000 miles or 10 years, whichever comes first. I don't want any breakdowns in the middle of nowhere. So it's a fear factor, not a consumption/luxury issue. I'd love to keep a car for the very long haul, but this stops me.
by rgs92
Thu Oct 19, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 9
Views: 567

Re: How to rent a house? (I'm the renter.)

Like Coldwell Banker property mgmt people (or those associated with other realtors)? Thanks again.
by rgs92
Thu Oct 19, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9752

Re: anyone else not liking the new cars?

The loaner Mercedes cars I used to get with that engine-disabling "feature" at red lights was so disconcerting to me and my wife that I'd disable it all the time. It just triggered some anxiety in me. Sorry about your back problems lazydavid. Best of luck. Ha ha, I used to have an Oldsmobile 98 tour...
by rgs92
Thu Oct 19, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 9
Views: 567

Re: How to rent a house? (I'm the renter.)

Well, we were there about 10 years ago around Alpharetta, so we'd be looking there in the northern suburbs. It seems nice there. We have a feeling for the neighborhoods from Citydata/Trulia/Zillow, so we feel we kind of know what it's like there. Do realtors handle a lot of rentals? There are some c...
by rgs92
Thu Oct 19, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 9
Views: 567

Re: How to rent a house? (I'm the renter.)

Yep, we have been perusing all the well known sites and see gobs of rental houses down there (not like the NY metro area where there seems to be a critical rental shortage in a hundred mile radius in any direction). Thanks.
by rgs92
Thu Oct 19, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 9
Views: 567

How to rent a house? (I'm the renter.)

We are thinking of moving from the northeast to Atlanta and renting a (single family) house. It's been decades since we have rented so I don't know what's involved. We're a married couple and don't work but have a decent retirement fund (7 figures) and good pension income. Can anyone let us know abo...
by rgs92
Wed Oct 18, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 27
Views: 2420

How soon to cancel a credit card after signup bonus.

I got a credit card with $95 annual fee (and had to pay it right away) but got a signup point bonus that gives me $500 (from 50,000 points). (I earned it already in the first billing cycle by charging $3000). So after I redeem the bonus, can I just cancel the card within a year to avoid more annual ...
by rgs92
Wed Oct 18, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2424

Re: Joining Federal Service - A No-Brainer?

Thanks for all the good detailed info simas. Yep, some companies are just not with it. One issue is that you kind of get pigeonholed into one industry (like telecom for me) while anyone in I.T. knows that skills are skills pretty much regardless of what the business does. They literally look at the ...
by rgs92
Wed Oct 18, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9752

Re: anyone else not liking the new cars?

Thanks again for all that info on BMW Lazydavid. It was off my radar. Good luck to you.
Ha ha, I guess I'm beyond the age of worrying about car looks, but obsessed with car comfort.
by rgs92
Wed Oct 18, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 65
Views: 5725

Re: Least expensive iPhone

I wish they would make a smaller iPhone that easily fits in a pocket, even if it is less powerful. If you don't use it for videos or music or other data intensive things (like me), the smaller size would be the best feature by far. Credit card size would be great.
by rgs92
Tue Oct 17, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Carvana-Our experience
Replies: 1
Views: 453

Re: Carvana-Our experience

Someone in the Lexus forum also had a very recent somewhat good experience with Carvana.
I have not dealt with them, I just thought I would add this as interesting.

https://www.clublexus.com/forums/ls-4th ... rvana.html
by rgs92
Tue Oct 17, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 36
Views: 2904

Re: 30th Anniversary of October 19, 1987 stock market crash

I remember that the crash was blamed mainly on "Programmed Trading."
What is the current significance of that now?
(And was it true in retrospect?)
by rgs92
Tue Oct 17, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2424

Re: Joining Federal Service - A No-Brainer?

Government is slow in pay raise and comp overall - how soon would you be paid say 120k? this is a normal base comp for a senior DBA in Midwest ... there are routine and frequent searches for PMs with expertise (PMI, domain knowledge and at times other skills) that start above 100k. Are DBA salaries...
by rgs92
Mon Oct 16, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5367

Re: 2018 Honda Accord

Be careful of the comfort factor in the Accord and Camry. Take a good, long test drive to make sure you like it (or at least can deal with it). The driving position can be confining and awkward, especially after a half hour or so. The car companies load cars up with electronic features and then shor...
by rgs92
Mon Oct 16, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3143

Re: Bonus pushed back - should I be annoyed?

I feel any decent job with a reliable paycheck is something precious and so hard to get that one should kiss the ground for that luxury, no matter what your education level or accomplishments. A job should not be taken for granted. Therefore, I do not think you should be annoyed. I think one should ...
by rgs92
Sun Oct 15, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Maximizing a couples benefits
Replies: 35
Views: 2775

Re: Social Security - Maximizing a couples benefits

Yep, you never know. In both the case of me and my wife (our 2 sets of parents), the husbands are currently outliving the wife by 10 years+ and counting, and not from accidents or anything unexpected at latter ages. They both did some planning expecting the reverse to happen. So it's hard to plan.
by rgs92
Sat Oct 14, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: X times salary, backwards calculation?
Replies: 23
Views: 2234

Re: X times salary, backwards calculation?

I think there is no really reliable substitute for doing a Firecalc analysis (or similar projection/simulation tool).
That would be your best approach.
Good luck.
by rgs92
Sat Oct 14, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9752

Re: anyone else not liking the new cars?

Interesting. Thanks for the suggestions. I'll try the BMW. But, from memory, for some reason when I rented a Grand Marquis for a week way back in 2001, I like it a lot, maybe it's my particular physique. Maybe the seats wear out over time. (I never tried the rear seat in the Grand Marquis.) But agai...
by rgs92
Sat Oct 14, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9752

Re: anyone else not liking the new cars?

The main problem is that the new cars are all designed for shorter, narrower drivers. The range of seat movement back and forth and the seat-tilt upward movement is terribly reduced. And you sit too low, so it makes things even worse. And the darn center console often keeps me from turning my right ...
by rgs92
Fri Oct 13, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14805

Re: Dividends vs. Capital Gains for Spending Needs?

I've always had the idea that dividend amounts are more stable than the stock prices themselves. So if my million dollars in stocks generates $24,000 a year in dividends ($2000/month), that is a stable amount that I can take. So it's a sequence of returns issue, and I can reliably get my $2,000 each...
by rgs92
Thu Oct 12, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6285

Re: Best Career Advice for those over "50"

Good comments in this thread. Yep, do your best to avoid being dependent on a salary before hitting 50. The posters here on Bogleheads are very wise and speak from experience, so believe what they say. This is certainly very true in private industry I.T. and engineering IME, where long careers can e...
by rgs92
Wed Oct 11, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13798

Re: [Boglehead vs Mr Money Mustache philosophies]

I like Bogleheads because I find it balanced with a diversity of opinions on lifestyle and consumer decisions. I never feel it is preachy or dogmatic. I feel Bogleheads is the greatest source of truth from any media source, with no vested interests involved. A great deal of credit for the site belon...
by rgs92
Mon Oct 09, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Bond help. 33 year old
Replies: 8
Views: 940

Re: Bond help. 33 year old

Don't put bonds in a Roth unless all you have are Roth accounts. Better to keep your equities there and put bonds in tax-deferred or taxable, in that order, depending on factors like savings rate, desired asset allocation and size of portfolio. You want Roth accounts to grow as much as possible. I ...
by rgs92
Mon Oct 09, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8137

Re: I'm thinking about cashing completely out of equites....

With the 2 well known (and valid-sounding) schools of thought about what to do if you have all you need: 1. Go heavily into stocks since you can carry risk; 2. Go heavily into cash/CDs/bonds since you don't need to risk anything; I wouldn't be able to decide so I'd stay 50/50 forever. I'd probably j...
by rgs92
Sun Oct 08, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12174

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

I thought fully-valued meant stocks should now generate their long-term average returns (over that long term).
by rgs92
Sat Oct 07, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8137

Re: I'm thinking about cashing completely out of equites....

At a P/E of 18, the market is not seriously or obviously (and certainly not predictably) overvalued. It was just undervalued before.
by rgs92
Thu Oct 05, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4156

Re: How much worth house should one buy?

That's a good point about job security. These days in the "gig-economy" or contractor/temp world (like for so many in I.T. these days) I don't know how people feel comfortable with a big mortgage (or maybe any mortgage). I certainly would not have been confident if I didn't have a regular full-time-...
by rgs92
Thu Oct 05, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3100

Re: Simple Notebook/laptop

Yep, Barefootgirl did not necessarily emphasize the desire for the cheapest solution (it was simplicity first), and cheapest is not always the best overall or the simplest solution. Simplicity is expensive. If there is not enough processing power, you have to be careful not to open too many things a...
by rgs92
Thu Oct 05, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4156

Re: How much worth house should one buy?

Thanks for the good questions KlangFool (as usual). I don't need to spend it, but if I enjoy a better house, I think it's a reasonably smart thing to do with the money as opposed to things like travel which become worthless as soon as you come home. And the house just keeps on giving in terms of enj...
by rgs92
Thu Oct 05, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4156

Re: How much worth house should one buy?

Isn't buying a better house (or a better area) better than, say, buying a vacation or a better car? At least the house has equity and (on average) some modest appreciation. If the choice was between a better house and travel (or a high end car or expensive restaurant meals), I think it is far better...
by rgs92
Thu Oct 05, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9242

Re: Buy on Really Bad Days, Sell on Really Good Days?

If you think about it, when the stock market is at a new all-time high, every trading day of your whole life was a good day to buy.
So every day you were alive and the market was open was an opportunity for buying low.
by rgs92
Wed Oct 04, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1234

Re: Dish network

Wow, Dish has 16 tuners? I guess I didn't keep up with it. In that case, I would vote for Dish then. I found that their customer service and installation services were very professional and high quality. They would come in for something and offer to replace or redo my wiring for free sometimes. They...
by rgs92
Wed Oct 04, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Home Buyer: Near Retirement
Replies: 3
Views: 521

Re: First Time Home Buyer: Near Retirement

If you have enough income from Social Security+Pensions+Annuities to support the mortgage+tax+insurance payment (up to around 36% of the gross amount) you are good to go. There is an earlier thread from a few month ago (that I started) asking if lenders will also consider payments from a nest egg, a...
by rgs92
Wed Oct 04, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3100

Re: Simple Notebook/laptop

Actually, at her age, I would set her up with a nice big screen (17 inches) and also a pair of powered external speakers since her hearing may need help (and I think everyone should get external speakers to avoid painful tinny sound; they just plug in to the audio jack very simply). Look up 17 inch ...
by rgs92
Wed Oct 04, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1234

Re: Dish network

DISH was good over the many years I had it. But all satellite TV loses the signal, mainly in snow. But these days with DVRs, you can usually find it later, so it's less important since you may not be watching live much. But it depends on your viewing patterns. The regular cable companies have more p...
by rgs92
Wed Oct 04, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3376

Re: Pension Now (Age 36) or Later (Age 65)?

Wouldn't the PBGC stand behind this pension (fully at this level)?
by rgs92
Tue Oct 03, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Suggestions for organizing bookmarks
Replies: 9
Views: 565

Re: Suggestions for organizing bookmarks

Well, this may sound inconvenient, but when I find a bookmark I like, I save the URL in a gmail email to myself and label the email (using gmail labels) bookmark and any number of additional categories I want. And I can use these bookmarks with any browser at any time. And I can click it right from ...
by rgs92
Tue Oct 03, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1582

Re: Travel camera reviews of what you own and why?

I like the little Sony cameras because they have a physical one-touch button on the top for recording a video. No fussing with menus are needed. Also, no bulky lens sticks out (or even expands out and retracts). The lens is fixed in place. So it has a very small physical profile. I've used one for y...
by rgs92
Tue Oct 03, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: FAFSA question; Fidelity 0.5% pension mgmt fee
Replies: 6
Views: 602

Re: FAFSA question; Fidelity 0.5% pension mgmt fee

The problem is that Fidelity uses funds from many providers that, anecdotally, have expense ratios of about .5 to .7% (although institutional versions that are slightly cheaper to run). So adding this to the fee yields an overall cost always over 1%. It's not super expensive, but on the high side. Y...
by rgs92
Mon Oct 02, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund vs ETF prices
Replies: 15
Views: 1184

Re: Mutual fund vs ETF prices

ETF shares will spike just before they go ex-dividend, just like a share of a stock. Then they fall back.
by rgs92
Mon Oct 02, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: New mortgage, should I refinance .
Replies: 17
Views: 1424

Re: New mortgage, should I refinance .

I don't think 4.35% is high. Maybe you could get 4%, but it's not worth the trouble or the closing costs (like title insurance, a biggie, legal fees on both sides, various junk fees that always seem to show up IME).
And there is lots of work to collect documents, proof of income and such.
by rgs92
Mon Oct 02, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Go to cash now or in late December when i need the cash
Replies: 28
Views: 1929

Re: Go to cash now or in late December when i need the cash

If you are taking it out from your bond allocation, it does not matter that much. Any you are taking out from stocks should probably be done now. It also depends on how much money you have totally. If you have a million+ dollars, Just take it out when needed. [Echoing Barnaclebob's comment above I j...