Search found 1879 matches

by rgs92
Sat Jun 16, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: What to do with the family wagon
Replies: 16
Views: 1367

Re: What to do with the family wagon

If you had so much trouble with a GM/Cadillac SUV, does it make sense to buy a new GM/Chevrolet SUV which (I think) is based on the same platform and probably is a mechanical sibling that shares many of the same components?
I wonder if it's basically the same or a similar engine.
by rgs92
Fri Jun 15, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Conceptually: *Why* does the Yield Curve invert?
Replies: 29
Views: 3157

Re: Conceptually: *Why* does the Yield Curve invert?

So I noticed today that the 10 year bond yield is only one tenth of one percent lower than that of the 30 year bond. (And the 2 year rate is only a half-percent less.) Would this mean that the yield curve may go flat or invert? Does this meant that the common wisdom that interest rates are on the ri...
by rgs92
Fri Jun 15, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 141
Views: 9223

Re: Which boglehead rule do you break--and are ok with

I actually don't think I have ever heard John Bogle talk about spending or extreme LBYM. (I suppose it is implied by his focus on investing in the S&P500 and bond market indexes and "the correct holding period is forever" advice, but he doesn't seem to stress a save-till-it-hurts philosophy of life....
by rgs92
Thu Jun 14, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 103
Views: 8170

Re: I was rear ended and the other guy wants a payout!

The insurance companies will work it out. I'm pretty sure your insurance company will not find you at fault and you will probably never hear anything about it from them. I would just relax. The other driver is probably just trying to avoid fault on his part, which is natural. He's just trying this t...
by rgs92
Wed Jun 13, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3140

Re: Vanguard Advisor Services

Has anyone here ever been given some useful advice on anything they hadn't thought of from Vanguard PAS? Maybe on taxes/estate-planning/trusts/insurance/social-security/fixed-annuities? Just curious. It seems that on investing, listening to any Jack Bogle interview on youtube would tell you everythi...
by rgs92
Tue Jun 12, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 59
Views: 5680

Re: Boring Job

It may just be the calm before the storm where you are now. You may look back at these days as a dream assignment when the pressure kicks in bigly.
(Just speculating but also speaking from experience here...)
by rgs92
Tue Jun 12, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Annuity/Pension subsitutes for portfolio
Replies: 31
Views: 2521

Re: Annuity/Pension subsitutes for portfolio

I like the idea of an SPIA annuity ladder. As your regular portfolio grows, periodically peel some off for an SPIA (in modest amounts like $100,000). Since, in theory, your portfolio will grow with inflation (or ahead of it), you are locking in these gains with income from "found money." It's a vari...
by rgs92
Mon Jun 11, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Respectfully Looking for Advice
Replies: 18
Views: 1980

Re: Respectfully Looking for Advice

It looks like you have over $520,000 in cash equivalents. That is far too much. You should probably go to a 50/50 stock/bond allocation overall.
by rgs92
Mon Jun 11, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 1877

Re: 2018 RAV 4 or Camry

The Nissan Maxima is better for tall drivers. I am over 5 feet and have long legs so I am very familiar with this problem. It's fine for my short wife too. Hyundais are also good, like the Azera. I find all Toyotas (even the Avalon) have skimpy legroom and that's why I don't buy them. Lexus is bette...
by rgs92
Mon Jun 11, 2018 10:27 am
Forum: Investing - Theory, News & General
Topic: WSJ-- Next Stop for Mutual-Fund Fees: Zero
Replies: 40
Views: 4170

Re: WSJ-- Next Stop for Mutual-Fund Fees: Zero

I don't think going from 3 basis points to none is going to make a difference to anyone. It's just psychological. It may attract some headlines.
(ETFs from iShares and Schwab have this 3 basis point charge already.)
by rgs92
Sun Jun 10, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 62
Views: 5025

Re: Strategy for a prolonged bear market

I don't see any strategy beyond hang on and hope and have faith the sun will rise again.
by rgs92
Sat Jun 09, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Indecision on Career Move - Fed to Industry
Replies: 21
Views: 1291

Re: Indecision on Career Move - Fed to Industry

I sure wouldn't give up a Federal job for any but the most extreme reason, like if it was dangerous or life-threatening. Just read here about all the corporate employees who are miserable and facing terrible job insecurity and zero or sharply reduced pensions/benefits. Chances are you may find yours...
by rgs92
Sat Jun 09, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Private sector pensions/multiple income streams- value?
Replies: 4
Views: 420

Re: Private sector pensions/multiple income streams- value?

Take the job with better job security. A job is no good if it goes away.
by rgs92
Sat Jun 09, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Holding REITs in 401k- Brokeragelink
Replies: 4
Views: 329

Re: Holding REITs in 401k- Brokeragelink

While I just use a regular balanced-index portfolio, another alternative to tax-advantaged investments is holding a preferred stock index like PFF (iShares preferred) or PFFD (Global X preferred with a lower expense ratio) in a taxable account where you get a 15% tax rate on the dividends. Holding R...
by rgs92
Thu Jun 07, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Stuck in Quicksand (Guidance Appreciated)
Replies: 46
Views: 3338

Re: Stuck in Quicksand (Guidance Appreciated)

Maybe you could try and find a Gov't job. The pay is probably less you make now but the pension, benefits, and security more than make up for it. You may well have to move somewhere though. Perhaps a gov't job would be less stressful and time-bound as your current job, which is possibly something yo...
by rgs92
Thu Jun 07, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6516

Re: What commuter car provides the best long term financial value?

I am tall and found the Hyundai Azera I sat in very comfortable. The Nissan Maxima also has decent space and front seats. Neither of these are super-expensive cars and they seem very reliable. I found them more comfortable and spacious than the Toyota/Honda equivalents (Camry, Avalon, Accord). I did...
by rgs92
Thu Jun 07, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Yes, you can diversify a market portfolio
Replies: 190
Views: 9354

Re: Yes, you can diversify a market portfolio

Thank you Taylor. Best to you.
by rgs92
Wed Jun 06, 2018 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Reality Check
Replies: 16
Views: 2345

Re: Social Security - Reality Check

I'm curious how that opensocialsecurity.com calculation works. It's interesting. I think it's based on avg. life expectancy though. Thanks for the link.
by rgs92
Wed Jun 06, 2018 11:40 pm
Forum: Investing - Theory, News & General
Topic: Yes, you can diversify a market portfolio
Replies: 190
Views: 9354

Re: Yes, you can diversify a market portfolio

As I recall reading very often, Mr. Bogle has shown that the S&P 500 by itself gives you all the diversification you need. Even using the total stock market index instead provides only the slightest improvement in performance and risk, and it is such a small difference that it is statistically unrel...
by rgs92
Wed Jun 06, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking Up and Staying On Good Terms with an Advisor
Replies: 28
Views: 3143

Re: Breaking Up and Staying On Good Terms with an Advisor

Voice mail is good for this. Leave a message in the middle of the night. You can leave a detailed message so there won't be a justification for further questions or salestalk. Just end with a simple thanks for everything.
That's how I broke up with my landscaper of many years.
by rgs92
Mon Jun 04, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: FedEx Home Delivery and PO box
Replies: 15
Views: 1192

Re: FedEx Home Delivery and PO box

Just wait to be contacted by Fedex. They will call you when it ends up at the local Fedex depot and they figure out what happened when they see the address. Call them back when they do and give them your home address and it will show up the day after.
by rgs92
Mon Jun 04, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Roof Leak
Replies: 11
Views: 643

Re: Roof Leak

We had a roof leak in a roughly 20 year old roof. After having it patched twice it kept coming back after a while. Replacing it with a top-quality 40 year roof (a Timberline) fixed everything and it has worked fine for 4 years. So I would stop trying to fix it and get a new roof. Never be cheap with...
by rgs92
Mon Jun 04, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2484

Re: Need to replace my Vizio TV..............

Yep, as El Greco said, I too think Sony has the best picture and the most natural colors, better than Samsung which is a little more candy-color to as I see it. Just IMHO.
by rgs92
Sun Jun 03, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: How a credit card refund is applied?
Replies: 25
Views: 1433

Re: How a credit card refund is applied?

The refund will be applied to the next statement balance that follows the date the refund was finalized to the account. You still need to pay the entire current statement that appears before the refund is credited. You will end up with a credit balance (a negative balance) for the later statement if...
by rgs92
Sun Jun 03, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2484

Re: Need to replace my Vizio TV..............

Yep, HDMI to a soundbar is fine, but, for some reason, to my ears, the best, most unadulterated sound seems to come directly from the analog outputs of the cable box. I have doubts about the DAC in the soundbar. At least that's what my ears tell me. The DSP processing in the soundbar could be a nega...
by rgs92
Sun Jun 03, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2484

Re: Need to replace my Vizio TV..............

Yep, a TV should always be treated like dumb computer monitor with no sound capabilities anyway, since the internal sound generation is usually awful because of a cheap DAC and amp, not to mention the tiny speaker. All of these components in most TVs are worth only a few bucks. Always get the sound ...
by rgs92
Thu May 31, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: GEICO vs. USAA auto insurance
Replies: 59
Views: 20873

Re: GEICO vs. USAA auto insurance

Can you get USAA insurance if you are not military-associated (and don't know anyone who is)?
Do you get the discount for owning BRKb stock if the stock is within an IRA?
(Berkshire Hathaway B stock just to be clear.)
by rgs92
Wed May 30, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Home elevator
Replies: 23
Views: 2061

Re: Home elevator

If I had one of these, I would make sure I had a generator to make sure the power didn't fail while I was in the elevator.
Maybe you should look into a master-on-main townhouse instead.
I think now you can keep your low property taxes in CA with such a move.
by rgs92
Wed May 30, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Used car buying advice!
Replies: 41
Views: 2964

Re: Used car buying advice!

I would never buy a used car with over 40,000 miles since IME at 50K miles they start to need significant repairs and the car starts to feel old and show its age and feel like I can't totally depend on it. A car is a life and death thing to me, not a bauble, so I never keep a car beyond 75,000 miles...
by rgs92
Sun May 27, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 83
Views: 7045

Re: Help Buying Mens Shoes for Work and Dating

https://www.zappos.com/p/new-balance-mw928v3-black-black-2/product/8908094/color/192523 I use the New Balance walking shoes for everything: work,weddings,funerals,job interviews. They look fine, even for formal occasions as long as they are in good shape and match your slacks. Nobody would notice th...
by rgs92
Sun May 27, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5021

Re: Buy an old farmhouse?

Money pit I believe. Unless you are really into the This Old House thing and consider manual labor a hobby that takes up most of your waking hours, stay away. Don't do it to get more house for the money. That never works. You must really love the DIY thing. I think you may just want a bigger, better...
by rgs92
Sun May 27, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: When and how often do you rebalance
Replies: 52
Views: 3884

Re: When and how often do you rebalance

When available, I like Vanguard Balanced Index since it rebalances continuously, like a CVT in cars. In my 3-fund-accounts, I rebalance quarterly since this is the most frequent option. It makes me feel better in volatile markets so I can happily stay the course and rationalize that I am buying low/...
by rgs92
Sun May 27, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Taking a pension to invest in stocks
Replies: 47
Views: 2581

Re: Taking a pension to invest in stocks

Thanks dbr; great point. But this is the equivalent of taking social security early, since inflation adjusted income streams are basically prohibitively expensive these days. So it's a very valuable opportunity that is not available elsewhere, and he doesn't need the current income since he's just d...
by rgs92
Sun May 27, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Taking a pension to invest in stocks
Replies: 47
Views: 2581

Re: Taking a pension to invest in stocks

I would never give up an inflation adjusted pension for almost any reason (like severe under-funding, say 50%), private or public.
And even partial protection by the PBGC limits makes it worth keeping even it that case.
by rgs92
Sat May 26, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 162
Views: 26737

Re: GEICO auto rates vs. USAA: too good to be true?

Thanks neilpilot. Well, I see no other horror stories about GEICO here in this thread, so I suppose that's good news...
by rgs92
Sat May 26, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Please help with grocery budget
Replies: 51
Views: 4220

Re: Please help with grocery budget

It gets expensive if you eat fresh fish or fresh berries every day, especially if you tend to eat a lot.
That's my problem.
by rgs92
Sat May 26, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 162
Views: 26737

Re: GEICO auto rates vs. USAA: too good to be true?

So has anyone had claim service from GEICO (or State Farm or Progressive) and was it OK? Thanks.
by rgs92
Fri May 25, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 148
Views: 16500

Re: 100% Stock Portfolio?

Is the current flight-to-quality bond rally a good example of why a retirement portfolio should always have a decent bond allocation?
And is this recent short bond rally a flight-to-quality phenomenon or just random volatility or something else?
(I guess I should not presume the cause of the rally.)
by rgs92
Fri May 25, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 30
Views: 2952

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

Good thread. I have used Ooma for many years and it works well, so I am leaving well enough alone.
by rgs92
Wed May 23, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying I bonds - what is the purpose of Registration on TD website
Replies: 22
Views: 2276

Re: Buying I bonds - what is the purpose of Registration on TD website

All Savings Bonds require registration info. It has always been this way it seems. It is usually for you and optionally for a POD (pay on death) person, the beneficiary.
by rgs92
Wed May 23, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 43
Views: 4680

Re: $500 Windows Laptop

Nope, never buy a spinner disc drive for anything but an occasionally-used large external backup drive. They are noisy, warm, and less dependable.
Although I see you have bought something already, so this is just an IMHO for readers.
by rgs92
Tue May 22, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 3992

Re: Are high dividend stocks advantageous for the 15% tax rate?

That was an awesome post cyclingDuo! Thanks a million for all that research and best of luck to you.
by rgs92
Mon May 21, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 117
Views: 10336

Re: Career planning in IT/software development when over 40

Excellent post above Anoop. Thanks for the feedback and the the other comments about the current popularized advice about how coding is the key to unlimited success. Yep, times have changed. Again, that was a very well-written and astute post that anyone in this field (or interested in it) should re...
by rgs92
Mon May 21, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12185

Re: done with Gmail

Whenever I change an email password, I do it directly in the email account. I can't see how even a system crash could cause something to go wrong using this simple approach, because either it performs the change or does not, and either the old or new password works. It sounds dangerous to me to use ...
by rgs92
Mon May 21, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 117
Views: 10336

Re: Career planning in IT/software development when over 40

Think of coding as manufacturing of yore. Hardware jobs are shrinking like crazy because most companies source everything from ODMs in Asia. Moving forward, software is headed in that direction too. I would recommend getting an MBA or a masters in financial engineering. That is the future. All comp...
by rgs92
Mon May 21, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 117
Views: 10336

Re: Career planning in IT/software development when over 40

This what happened to most of the people I knew in corp. IT (telecom) at any skill level or job-type: 1. Let go around age 50. 2. Get a series of contracting gigs with a few months in-between each one because no direct-employee positions are available to people that age. 3. Failure to find anything ...
by rgs92
Mon May 21, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5023

Re: keyless ignitions and carbon monoxide

It is interesting that, if I get out of my '14 Lexus and leave it running while in Park with the key fob sitting on the passenger seat, there are no warnings of any kind and it seems like it will just keep running until it runs out of gas. (I assume it will just keep running that long... I never let...
by rgs92
Fri May 18, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4239

Re: How to Invest $600K for Retirees

Beware that the Fidelity annuity that is being offered is probably not a pure immediate annuity because they are talking about a "rate" that is guaranteed. That sounds like some more complex/expensive product that wades into bad-annuity territory. Vanilla SPIAs do not have a rate, just a contracted ...
by rgs92
Fri May 18, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 3992

Re: Are high dividend stocks advantageous for the 15% tax rate?

Thanks for the (varying) opinions. I thought I would be told by many to just use an index fund or 3-fund portfolio, so I'm actually surprised there is some positive feedback on my idea that is not in line with the common wisdom.

Thanks to everyone and any more opinions would be welcome.
by rgs92
Thu May 17, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 3975

Re: I will be laid off but can not get unemployment benefits?

UI just checks state W2 income (that's my understanding). So if you don't have any W2s, you are good to go.