Search found 2155 matches

by rgs92
Tue Oct 16, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 25
Views: 1085

Re: Sneakers with good arch support

Sauconys are good for support and are overall very well crafted with great workmanship.
by rgs92
Mon Oct 15, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Can't immediately exchange ETF for another? (Merrill Edge)
Replies: 10
Views: 490

Re: Can't immediately exchange ETF for another? (Merrill Edge)

Why do you want to switch these ETFs? They are about equivalent.
by rgs92
Mon Oct 15, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2896

Re: Trying to get a Federal Job

The best thing about working for the Federal Gov't is that you won't get laid off. Job security is everything.
What good is a job if you are forced into retirement in your 40s?
Or how about if your working life is peppered with multiyear spans of unemployment?
Go with the Fed job and don't look back.
by rgs92
Sat Oct 13, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k confusion with market
Replies: 19
Views: 1494

Re: New 401k confusion with market

The markets have been basically lousy this year (both US and foreign -- foreign more so). That is why your portfolio has gone down. It's no big deal, just par for the course, to be expected as perfectly normal. Just stay the course and maintain your current asset allocation and you will be fine. You...
by rgs92
Thu Oct 11, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 47
Views: 1664

Re: TV recommendation for my father

I am just a bit curious why he doesn't want to use the HDMI output from the FIOS box. Just asking. There is no cost involved and FIOS automatically tunes to the HD version of each channel. It's actually difficult I found to find the SD versions of any channel that carries HD. You say he is not inter...
by rgs92
Thu Oct 11, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: If I retire to a State that has no State taxes...
Replies: 46
Views: 7294

Re: If I retire to a State that has no State taxes...

Is there some easy resource to see every US state's rules on how retirement income is taxed?
by rgs92
Thu Oct 11, 2018 1:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546367

Re: U.S. stocks in freefall

Vanguard Balanced Index has a year-to-date return today of about 5.6%. So if you stayed the course this year, you still have reason to celebrate today. To me, this says it all. And there is still room for more losses that should not shake your confidence. So don't run and hide and don't try to be a ...
by rgs92
Wed Oct 10, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546367

Re: Stocks tumbling?

This one is all about interest rate hikes by the Fed it seems. So it's perfectly normal and ordinary. (Oh well, bonds are sinking too. So this is a 1970s style pullback. It's happened before and it's probably an overreaction and will settle down eventually and come back I believe. So, as per the goo...
by rgs92
Wed Oct 10, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Fixed annuity with a guaranteed lifetime withdrawal benefit
Replies: 8
Views: 448

Re: Fixed annuity with a guaranteed lifetime withdrawal benefit

Stay away from it. It's marketing gobbledygook designed to hide something.
They are trying to cover up the fact that it is not a simple SPIA which is the only good annuity to buy.
I'm sure it has a high commission for whoever is selling it. I'm sure there are lots of hidden costs.
by rgs92
Tue Oct 09, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3817

Re: How to get over paper loss?

No pain no gain.
by rgs92
Tue Oct 09, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How do you calculate/state your income?
Replies: 13
Views: 1196

Re: How do you calculate/state your income?

A related question I have is when a credit application asks for your "mortgage or rent payment" (and you own a house) do you put down your entire PITI payment including taxes and insurance that you pay to the bank each month or just the loan payment, meaning just principal and interest? (Or is this ...
by rgs92
Mon Oct 08, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 1832

Re: Index vs. actively managed funds....is there a good tool to compare?

Comparing a relatively narrow slice of the market (like the midcap-growth and bluechip-growth areas mentioned) to the broader S&P 500 is not a fair fight. First of all there is higher volatility in growth funds. For instance, I'm sure comparing a tech-sector fund would show superior returns to the S...
by rgs92
Sun Oct 07, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 20
Views: 1347

Re: Help with choices for new car

I tried out the Lexus NX and really liked it (for an SUV), and I'm really picky about cars.
The seats and the seating position were very comfortable (and I'm pretty tall).
And it handled very well, was quiet, and visibility was good.
It felt pretty much like driving a good sedan.
So that's my vote.
by rgs92
Sun Oct 07, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4173

Re: New Car: No Collision/Comprehensive?

I get both even though my cars are paid off, just with high deductible ($1000-$2000).
I don't want to lose $30-50K in 2 seconds.
by rgs92
Wed Oct 03, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5924

Re: What I learned from my roofing saga.

I just did a lot of reading on the review sites, found one that seemed to be almost 100% highly recommended, and went with them, and it went fine with a great roof on an older house that has had no issues for several years now. I wouldn't dread it. Just avoid the low-bid method and find someone who ...
by rgs92
Wed Oct 03, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Too heavy on S/M cap??
Replies: 10
Views: 678

Re: Too heavy on S/M cap??

This may be recency bias since you said large cap has been doing better.
In fact, there are many threads here about small cap tilting.
Bottom line, I think you are just fine and continue with your current allocation.
by rgs92
Tue Oct 02, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4194

Re: My bank and absurd policy for "no fee"

I would just use Ally.
by rgs92
Mon Oct 01, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: WSJ today (preaching to the converted here).
Replies: 0
Views: 673

WSJ today (preaching to the converted here).

Title: Stock Pickers Fail to Match Index Funds. Indexes Top Active Managers. BY DAWN LIM (Page R1 in Markets Review and Outlook section.) Start of article: This year was supposed to be stock pickers’ big comeback. So far, it hasn’t been. As the year started, the specter of interest-rate increases a...
by rgs92
Wed Sep 26, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to create good ETF Portfolio?
Replies: 19
Views: 1561

Re: How to create good ETF Portfolio?

$4000 to ITOT (ishares total stock market index), $1000 to IXUS (ishares total international index). No commission thru Fidelity. That's 60 shares of ITOT at $66.48 and 16 shares of IXUS at $60.84. In about 5-10 years, add some AGG (ishares core bond index), also zero commission. At 19, just go 100%...
by rgs92
Wed Sep 26, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Pension vs 401k, help
Replies: 31
Views: 2125

Re: Pension vs 401k, help

Pension, period. A pension is a golden privilege and is becoming a rarer benefit everyday. A decade for an extra $20K a year? OMG, that's great, even w/o a COLA. Companies are freezing pensions every day, so why would you want to freeze one voluntarily? Your employer will be jumping for joy if you l...
by rgs92
Tue Sep 25, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Inflation and withdrawal from portfolio
Replies: 23
Views: 918

Re: Inflation and withdrawal from portfolio

So what is his plan when there is a bear market year?
I'm thinking, to be consistent, he would need to contribute (from outside sources) 33% of any loss to his portfolio that year.
by rgs92
Fri Sep 21, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9338

Re: Are We Headed For A Passive Index Meltdown?

I don't really think individual stock trading will wither away.
by rgs92
Fri Sep 21, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4538

Re: WSJ print edition renwal time - any discounts?

Thanks for the digital sub. tip!
by rgs92
Fri Sep 21, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 26
Views: 1930

Re: Recommend a To-do app please.

thanks for this; great suggestions.
by rgs92
Thu Sep 20, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie with no idea where to invest
Replies: 18
Views: 1087

Re: Newbie with no idea where to invest

Actually, even though it is kind of a randomly distributed portfolio you have, it is pretty well OK.
You could easily let it ride and do well. Maybe put all future contributions into Vang. balanced index and leave the rest alone.
Good luck.
by rgs92
Thu Sep 20, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Penfed car buying service
Replies: 3
Views: 444

Re: Penfed car buying service

I consider 90K to be very high mileage IMHO personally. I don't think it would make any difference to trade it in or sell it any other way since we are talking about something worth not too much in the first place. All these buying services seem the same to me and are not very useful. They are just ...
by rgs92
Fri Sep 14, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6665

Re: Job burnout - Keep grinding or change?

The bigger problem may be that if you retire or do anything to lower your income, your wife may feel the economic pinch and be very unhappy, and that is not a good thing and can be much worse and more insidious than work stress. (I speak from personal experiences for myself and many others I know wh...
by rgs92
Thu Sep 13, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: Pension alternatives
Replies: 41
Views: 3333

Re: Pension alternatives

In the beginning, you say:
If I put $200K in another 4 rental properties, I bet I can get at least $15K a year from the additional properties

If you buy a fixed annuity, you will get about $1,000 a month ($12K a year) which is not that far off from $15K without all the associated expenses.
by rgs92
Thu Sep 13, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 9
Views: 603

Re: Windows 10

I never thought I would say this about Mr. Softee, but I love Windows 10. It's incredibly robust. So I happily put up with all the updates. At least they care. (I've used it since it was brand new.) (The irony is that I have owned a big chunk of Apple stock for many years. Please don't tell any Bogl...
by rgs92
Thu Sep 13, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5462

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

Good luck entropy. Many times these things can be a blessing in disguise.
by rgs92
Thu Sep 13, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3291

Re: How to help teenager fix silly mistakes in math?

I did this all the time but ended up majoring in math in college (and getting an M.S. later). I still do things like that.
by rgs92
Thu Sep 13, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes in retirement too good to be true?
Replies: 23
Views: 4421

Re: Taxes in retirement too good to be true?

What mhalley said above is true about most retirement portfolios not being in taxable accounts. You would have needed to have given up the benefits of tax deferral for decades or do expensive Roth conversions. That would have cut into your gains (a lot), so getting up to many millions with this drag...
by rgs92
Thu Sep 13, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 77
Views: 8677

Re: Why do we expect TSM to keep growing?

Owning stock will track the spending power of the money you put in to them (in either direction). Spending power is the main point of investing. The price of a company's stock should *roughly* track (and often exceed or far exceed) the prices of the goods and services you purchase from that company....
by rgs92
Thu Sep 13, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5462

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

When you envision (as you say "imagine") taking an estimated 6-12 months to find an equivalent job, I say Danger Will Robinson! You are doing just that, imagining things. I would try to find a job ASAP just because once you are unemployed for even 3 months they look at you like you have horns. They ...
by rgs92
Thu Sep 13, 2018 12:06 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10084

Re: Argument for taking social security before 70. Comments?

For most people, you have a choice between starting SS payments or drawing down your nest egg each month. I sure would not like the idea of letting a nest egg get down to a perilously low level (a personal gut feeling amount that may be different for each person). (It's not a great idea to drive aro...
by rgs92
Wed Sep 12, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Outback, Legacy, Camry Hybrid
Replies: 14
Views: 807

Re: Outback, Legacy, Camry Hybrid

Personally as a tall guy I find the Subarus more comfy and supportive and less cramped and just more substantial than the Camry, so I would choose those.
by rgs92
Wed Sep 12, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Need to make major rebalance to bonds - help
Replies: 19
Views: 2053

Re: Need to make major rebalance to bonds - help

The Stable Pool from Fidelity would be my answer. Just look at the return rate and ignore the expense ratio. That's how you have to look at stable value funds. It's a floating rate fund, which is basically good (unless you are in a dramatically decreasing rate environment, where bonds are better). I...
by rgs92
Tue Sep 11, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a point where you should stop or hold off rebalancing?
Replies: 15
Views: 1105

Re: Is there a point where you should stop or hold off rebalancing?

I believe specifically buying EM at all is not the Boglehead way. You are supposed to buy the whole forest, not the trees.
EM is a patch of trees that should not be accentuated. It is akin to buying a sector fund.
by rgs92
Tue Sep 11, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 18670

Re: Why Bull Markets Are Dangerous

The mantra about Staying the Course is often assumed to only apply to not bailing out in a crash, but it is just as important to not try to call a top and bailing out at that point also.
by rgs92
Mon Sep 10, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7317

Re: Anyone else playing catch-up in their 40's?

Fortfun, great savings list, but a huge missing one is to stop all vacations/unnecessary travel (unless it is to go somewhere to buy something cheaper). (In fact, the opposite is mentioned: using bonus cards for travel. Why travel at all unless it's for vital personal or business/job reasons?) Thank...
by rgs92
Sun Sep 09, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4428

Re: Experience With No Car? (Uber/Lyft)

How would I get around in bad weather (too hot, too cold, rainy)? I lived in NYC a long time ago when I was a kid and I hated stepping in unavoidable icy slush and walking around in 90-degree weather in a huge sweat as soon as I got out the door. And NYC is the the absolute easiest place to live car...
by rgs92
Sat Sep 08, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 5319

Re: Is individual Bonds better than Bond Fund?

I like either CDs or bond funds, not single bonds. Bonds are for safety + low-volatility, therefore you need diversification in your bond portfolio, so a fund is better for this. I even worry about individual municipals somewhat, but that's another subject. Suze Orman hates bond funds because they c...
by rgs92
Sat Sep 08, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Run Air Conditioner even if not needed?
Replies: 30
Views: 3039

Re: Run Air Conditioner even if not needed?

Wow, that's amazing that you don't feel the need for A/C in even any part of the country.
But yep, run it every other day for an hour to keep the coolant flowing and the motors from atrophying.
It's like a whole house generator that needs to go into exercise mode each week.
by rgs92
Sat Sep 08, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4218

Re: Switching Careers - From IT to Police Officer

I wouldn't go into LE unless you really have a passion for being a police officer and it is a dream job for you (or better yet was always a childhood dream). The stress from people I know in it is really bad, even worse than IT (and I'm an IT person and know about IT stress firsthand). At 27, you ar...
by rgs92
Sat Sep 08, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Can you hold treasuries and/or CDs in a 401k account?
Replies: 7
Views: 636

Re: Can you hold treasuries and/or CDs in a 401k account?

A 401K (or similar workplace acct) is generally limited to the limited menu of fund options offered unless there is that brokerage link option, which can be inconvenient to set up (and is not very common anyway). But many have stable value which is usually better (but not always; you need to read th...
by rgs92
Sat Sep 08, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 51
Views: 7249

Re: Fidelity Rewards Visa Card

Yep, I still have the old 1.5% fidelity card. It's seems a bit tacky to leave legacy customers and longtime Fidelity account holders with a lower-rewards card. And I looked at the link and you have to call them and make any changes over the phone, like they are putting obstacles in your way. (You ca...
by rgs92
Fri Sep 07, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: What experts say about "Stay-the-Course"
Replies: 21
Views: 8486

Re: What experts say about "Stay-the-Course"

Thanks Taylor. Yep, anything else but staying the course is gambling.
by rgs92
Thu Sep 06, 2018 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Planner really expensive?
Replies: 19
Views: 2052

Re: Financial Planner really expensive?

The main problem is you will not only pay the fee but also probably underperform an index portfolio. That's the real cost.