Search found 2303 matches

by rgs92
Mon Jan 21, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 76
Views: 3641

Re: Is it ever worth purchasing an extended warranty for a vehicle?

I always buy it if it is from the manufacturer.
by rgs92
Sun Jan 20, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 24
Views: 2322

Re: Wild Planet Sardines quality problem [Review of sardine brands]

Are there any good sardines that anyone here likes at Whole Foods? Thanks.
(Sometimes I share them with my cat.)
by rgs92
Sat Jan 19, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3170

Re: Car reviews - Consumer Reports or other sources?

I actually like youtube videos from regular people to get an intimate feel about a car.
by rgs92
Fri Jan 18, 2019 11:15 am
Forum: Investing - Help with Personal Investments
Topic: TLH - trade date vs. settlement date
Replies: 6
Views: 140

Re: TLH - trade date vs. settlement date

AFAIK, the trade date is always what counts for tax purposes.
by rgs92
Wed Jan 16, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44871

Re: John Bogle is dead at 89

Just plain super-grateful to him here. All I can say. RIP.
by rgs92
Sun Jan 13, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4438

Re: Long term care insurance policy

I worry that it's the quality of LTC that will suffer w/o LTC insurance and without at least a million dollars after tax per person dedicated to cover it. I know relatives who went to Medicaid facilities and said it was awful. One related question is, if you are taking care of this by yourself (and ...
by rgs92
Mon Jan 07, 2019 1:40 am
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2698

Re: Vanguard Statements - Print or Electronic

I (almost) never save or look at any periodic investment statement. If I want to see what I have, I logon and look. I like to follow the don't-peek approach as much as possible, but often curiosity gets the better of me. (As an aside, I try to minimize paper in my house because I feel it's a fire ha...
by rgs92
Fri Jan 04, 2019 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me to Understand Bonds Please.
Replies: 19
Views: 1471

Re: Help Me to Understand Bonds Please.

To Dbr: What a great post and analysis. Super concise and informative. Best post of the year so far in my book. Thanks!!
by rgs92
Fri Dec 28, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Hassle Factor Changing Credit Cards
Replies: 23
Views: 1662

Re: Hassle Factor Changing Credit Cards

I believe the Costco Visa annual fee is the Costco Membership amount. It's not a credit card fee.
AFAIK, you can't get the Costco Visa w/o being a Costco member.
by rgs92
Fri Dec 28, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: pentagon federal cd's are not cd's
Replies: 15
Views: 1541

Re: pentagon federal cd's are not cd's

Isn't breaking a CD a pretty rare thing? I always assumed that 99% of people by a CD to hold to maturity.
by rgs92
Fri Dec 28, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can my daughter afford
Replies: 52
Views: 3694

Re: How much house can my daughter afford

I think the most important factor is job security. In today's gig economy, it would be scary to have a mortgage if you have long periods with lower income. In the old days, the possibility of losing a job didn't seem to be a concern, when a good job for a college educated person seemed to last forev...
by rgs92
Thu Dec 27, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: AT&T Landline - what's considered "Long Distance"
Replies: 22
Views: 1286

Re: AT&T Landline - what's considered "Long Distance"

Verizon Digital Voice with FIOS has no such distinction for long distance.
Yep, OOMA or a similar VOIP product at a few dollars a month (or about $11 for premium with all sorts of features) is the way to go.
OOMA calls are free in the cont. US and Canada. Not sure about AK and HI.
by rgs92
Wed Dec 26, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: 85% of trading is on autopilot-wsj article
Replies: 14
Views: 2016

Stock trading mainly done by computers automatically(WSJ)

[Thread merge into here, see below. --admin LadyGeek] A good article in the WSJ today describes how most stock trading is made by computers, not human judgement. The article is called Stock Rout Fueled by Market on Auto . But I feel it may actually be a good thing since it actually prevents the bot...
by rgs92
Tue Dec 25, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9018

Re: Wow, Behaviorial Finance is Real

A December to Remember. (Apologies, I said this in another post somewhere...) But to note, whenever threads about SPIAs come up, I always like to say that I think it's a good idea to do whatever you have to do that creates some sort of fixed income stream when you no longer have a salary, even if it...
by rgs92
Tue Dec 25, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Buying house - Advice requested
Replies: 39
Views: 3960

Re: Buying house - Advice requested

So hotrodz, just to clarify, did you make the offer in Texas directly to the homeowner or to the homeowner's (selling) realtor? If it was the latter, isn't that the conventional and common way of doing things if you find a property online? Meaning you simply make an offer to the listing realtor with...
by rgs92
Mon Dec 24, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: Utilities have fallen 10% while bonds are up. This makes no sense to me.
Replies: 11
Views: 2425

Utilities have fallen 10% while bonds are up. This makes no sense to me.

I pointed out in the Free-Fall thread that the Utilities sector has fallen lately while the total bond market is up slightly. This make absolutely no sense to me. Has this happened before? I thought that these were roughly correlated. The XLU utilities SPDR etf is down 4% today, while bonds were a b...
by rgs92
Mon Dec 24, 2018 11:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790014

Re: U.S. stocks in free fall

It's an old 401K account that offers auto-rebalancing as a feature. (I wish Fidelity would do this...) By the way, this downturn is a classic of example of people just tossing everything overboard regardless of its value just because it's a stock. I think I saw that every S&P sector was down. So alm...
by rgs92
Mon Dec 24, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790014

Re: U.S. stocks in free fall

For anyone curious, one of my old accounts that has a 60/40 (stock/fixed-income) AA auto-rebalanced every 3 months (including 10% international) has done this (with no deposits or withdrawals at all): 09/30/2016 $258,988.52 12/31/2016 $262,322.83 03/31/2017 $272,597.56 06/30/2017 $279,050.60 09/30/2...
by rgs92
Mon Dec 24, 2018 12:45 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 290
Views: 138739

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

Staycalm -- great chart even if slightly oversimplified. The message still holds. Thanks!
by rgs92
Sun Dec 23, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790014

Re: U.S. stocks in free fall

Well, mental accounting is important since it helps to avoid doing something rash based on emotions. Emotions are mental. You hear all the time about those who sold everything and went to cash in the 2009 financial crisis. But it's not just mental. If your portfolio you are using for income consists...
by rgs92
Sun Dec 23, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790014

Re: U.S. stocks in free fall

Actually, if you are in de-cumulation phase (taking regular income from your portfolio), you are most probably using dollars invested many years ago, so you still should be living mostly on profits and earnings, not the original dollars. You aren't supposed to be living on money invested in the last...
by rgs92
Sun Dec 23, 2018 2:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790014

Re: U.S. stocks in free fall

I think this extremely quick plunge is just from big hedge funds trying to "punish" the Fed by sending them a message, and therefore it has nothing to do with the intrinsic value of the companies. The faster the market goes down, the faster is comes back, as more or less happened in 1987 and 2009. T...
by rgs92
Sun Dec 23, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Involuntary retirement - stories and strategies?
Replies: 32
Views: 3602

Re: Involuntary retirement - stories and strategies?

Note: the comment section under the WSJ story is great. Very intelligent writers in there.
by rgs92
Sun Dec 23, 2018 12:51 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present To You
Replies: 108
Views: 11196

Re: My Christmas Present To You

Best Christmas Card ever. Thanks Taylor!
by rgs92
Sat Dec 22, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Good time for a backdoor Roth conversion in this December to Remember?
Replies: 3
Views: 329

Good time for a backdoor Roth conversion in this December to Remember?

Given this December to Remember, I was thinking this would be an opportune time for a Roth conversion from a traditional IRA's stock investments.
I guess this would be considered pure market timing, but correct me if I'm missing anything here.
by rgs92
Thu Dec 20, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Company Mass Hiring then put on Overhead
Replies: 9
Views: 1228

Re: Company Mass Hiring then put on Overhead

This is typical for IT/Engineering work in large companies (and it's always been this way IME). It's startling how much of a mismatch there is between who is doing something and their capabilities. What you describe is pretty much par for the course. They like to bring in contractors who know nothin...
by rgs92
Wed Dec 19, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does carrying a credit card with a very high limit bother you? Say you have credit card for 50k but never spend more
Replies: 71
Views: 3405

Re: Does carrying a credit card with a very high limit bother you? Say you have credit card for 50k but never spend mor

I don't even know what the limits are on mine more than vaguely. It's not relevant I think. I did have one that was $50K, but I never thought about it much. As far as the amount of credit on all your cards affecting approvals, is that true? I never knew that if it is, and it's an interesting factoid...
by rgs92
Wed Dec 19, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: How to make monitoring for rebalancing less manual?
Replies: 8
Views: 476

Re: How to make monitoring for rebalancing less manual?

The best thing for you to do is to put everything into a continuously re balancing vehicle in Vanguard, such as Balanced Index (VBIAX) or one of the target funds. There is no evidence that band-balancing is better, in fact it causes less frequent balancing, the opposite of what you want. And also, l...
by rgs92
Tue Dec 18, 2018 12:35 am
Forum: Investing - Theory, News & General
Topic: Do trading curbs make sense?
Replies: 9
Views: 668

Re: Do trading curbs make sense?

Thanks for the insights and corrections. I think these trading curbs / circuit breakers are still active today.
by rgs92
Mon Dec 17, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: Do trading curbs make sense?
Replies: 9
Views: 668

Do trading curbs make sense?

I seem to remember that when trading curbs were introduced in 1987 in response to "computer based trading" as it was called, the purpose was to let the little guy get in and sell before the bottom fell out. But isn't that encouraging market timing among small investors? Isn't that the worst thing yo...
by rgs92
Mon Dec 17, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790014

Re: U.S. stocks in free fall

Yep, Uberdoc makes an insightful point. People are shocked, shocked that stocks don't go up continuously like a CD. And the total stock market funds are yielding 1.92%! A short while ago, this would be a great yield for a high interest savings account. This is a nice silver lining. I try to look at ...
by rgs92
Mon Dec 17, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790014

Re: U.S. stocks in free fall

So if I look up the Total Stock Market index ETF ITOT, it says the P/E is 11 (exactly) today. Is that accurate?
That makes stocks seem pretty darn cheap to me. (This is from Yahoo Finance.)
by rgs92
Sat Dec 15, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security options for 2 equal-history spouses.
Replies: 20
Views: 1529

Re: Social Security options for 2 equal-history spouses.

Thank you very much for your help and running this for me. I'll educate myself on this some more.
Best to you.
by rgs92
Sat Dec 15, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security options for 2 equal-history spouses.
Replies: 20
Views: 1529

Re: Social Security options for 2 equal-history spouses.

Thanks for that! Yep, I've played a bit with Open SS but I was still a little confused. I wasn't sure if one person in a couple could file for spousal benefits in this situation because of the new file-and-suspend ruled for people born after 1954. I also wasn't sure who (or both) had to be beyond FR...
by rgs92
Sat Dec 15, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security options for 2 equal-history spouses.
Replies: 20
Views: 1529

Social Security options for 2 equal-history spouses.

Let's say hypothetically a couple has identical earning histories and have the same age. How should they approach claiming social security? Is there any advantage to one person claiming first and the other taking a spousal benefit earlier (or something like that)? All the examples I see are for coup...
by rgs92
Fri Dec 14, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6750

Re: Best headphones under 500 bucks

ZMF which sells awesome headphones that are bargains even at full price is having a B-stock sale that will give you superb sound at very low prices: http://www.zmfheadphones.com/zmf-originals/used-b-and-overstock Go to the home site ( zmfheadphones.com ) for full details on their headphones. I have ...
by rgs92
Fri Dec 14, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 69
Views: 4496

Re: Imminent retirees & sequence fear

It's a better idea to live off your portfolio than to file for social security at 62.
This is especially true since you sound conservative and fearful and the best source of sure-thing money is social security dollars.
by rgs92
Thu Dec 13, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: “Priority Mail” not a priority anymore
Replies: 11
Views: 1770

Re: “Priority Mail” not a priority anymore

You really need Priority Mail Express for fast, reliable, well-handled delivery. It's expensive, but it works. The tracking is very good and informative, and I have never had a problem with it. It's well worth it if you really care about your package. I've had vanilla Priority Mail things go missing...
by rgs92
Thu Dec 13, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: ReFi...Yes or No
Replies: 16
Views: 1031

Re: ReFi...Yes or No

You have to rent out at market value, regardless of expenses. I once owned a townhouse I rented out (and in a very good area and market) and couldn't come close to a positive cashflow, even taking into account depreciation and other tax savings. First of all, you have some control of the monthly exp...
by rgs92
Mon Dec 10, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3583

Re: Made an unwise investment, help solicited

If you pull up (on Fidelity.com) the summary page for Puritan, over the last 10 years the fund (which has about 60% in equities) has a very respectable performance history. Considering an original investment of $10,000, It shows that an index with this allocation would be worth $26,370. vs. Puritan'...
by rgs92
Mon Dec 10, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for new washing machine
Replies: 45
Views: 2472

Re: Need recommendation for new washing machine

Well, that is interesting. Here is a youtube video about a comparison of the old vs. new Speed Queens, so there may be an issue. https://www.youtube.com/watch?v=Js8d82dvkmE And there are some negative reviews of the new 2018 machines at AJ Madison: https://www.ajmadison.com/cgi-bin/ajmadison/TR5000W...
by rgs92
Mon Dec 10, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for new washing machine
Replies: 45
Views: 2472

Re: Need recommendation for new washing machine

Speed Queen is the best. Most reliable and best performance. Both the washer and dryer. I have both.
You can get them from most online appliance places for pretty good prices (that's what I did).
Their capacity is just fine.
by rgs92
Mon Dec 10, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7328

Re: "The 10 Worst Places To Get Investing Advice"

Great article. Thank you again Taylor for the best info.
by rgs92
Mon Dec 10, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 26
Views: 2051

Re: EMPLOYER'S RESPONSE: 401K Choices

I would not ask troubling questions about your employer's 401K or other benefits. You do *not* want to give the appearance of being unhappy or dissatisfied. And you never know how much the company benefits from this 401K (as in lower expenses for them or some sort of bonus for them from the custodia...
by rgs92
Mon Dec 10, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3583

Re: Made an unwise investment, help solicited

Aside from some tax issues that always happens with dividends and taxable gains, I don't see how buying Fidelity Puritan is a bad investment. It's a nice conservative fund, something that has turned out to be a good idea this year in fact. It could have been much worse. You have done just fine actua...
by rgs92
Mon Dec 10, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: VBINX closed to new investors? Wow. [Vang. Balanced Index regular shares]
Replies: 8
Views: 2111

Re: VBINX closed to new investors? Wow. [Vang. Balanced Index regular shares]

So in another thread a day or two ago someone said that Vanguard was making Admiral shares available to other firms that sell Vanguard funds (Schwab was mentioned).
Is this true?
Thank you.
by rgs92
Sun Dec 09, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: Real World Impact of Non-Vanguard Mutual Funds in Taxable Accounts
Replies: 6
Views: 558

Re: Real World Impact of Non-Vanguard Mutual Funds in Taxable Accounts

So Vanguard will now allow Admiral versions of funds to be purchased at other firms? I have not heard that.
Is this really true?
(In fact, someone posted in the main thread on this here that the old regular investor share versions are going to live on at other firms.)
by rgs92
Fri Dec 07, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Stressed/Job loss/Retirement possible?
Replies: 34
Views: 4088

Re: Stressed/Job loss/Retirement possible?

I would put about a million dollars (or more if needed) in an SPIA (joint life) to generate about $5000/month gross and then just withdraw from the leftover money (invested 60/40, like in Vanguard Balanced Index) as needed, just keeping an eye on extravagant spending. Down the line, you should get d...
by rgs92
Fri Dec 07, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: All Weather Portfolio - Ray Dalio during slow growth/ downturn? How to balance bonds in low yield w/ rising rates?
Replies: 15
Views: 1742

Re: All Weather Portfolio - Ray Dalio during slow growth/ downturn? How to balance bonds in low yield w/ rising rates?

I think many like the idea of an All Weather Portfolio because they think it's one that never slumps much. But you just can't have your cake and eat it too in investing. All decent portfolios will fluctuate a lot. Something that just goes up will never go up much in the long run. You can't have it b...