Search found 2134 matches

by rgs92
Fri Sep 21, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 56
Views: 8043

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: 65
Views: 3970

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: 1798

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: 1031

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: 395

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: 57
Views: 5650

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: 3209

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: 573

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: 5352

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: 3188

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: 4359

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: 70
Views: 7447

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: 5352

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: 111
Views: 7401

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: 769

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: 2005

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: 1075

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: 16948

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: 7157

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: 31
Views: 2824

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: 5145

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: 3023

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: 23
Views: 2306

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: 619

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: 7036

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: 8300

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: 2008

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.
by rgs92
Tue Sep 04, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39993

Re: Lucrative careers?

Has anyone here lasted in IT for over 30 years? Do you know many people who have? I think the better question is what jobs have staying power. I do know quite a few teachers and other public employees who seem to be able to stay in the same job (or at least stay continuously employed) for several de...
by rgs92
Tue Sep 04, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18156

Re: How to Retire in Your 30's with $1 Million in the Bank

I know a lot of folks in IT who retired in their 40s, but not by choice. Telecom and some other IT areas collapsed and made people unemployable except maybe for things like entry level food service jobs, even with lots of education and graduate degrees and good skills. They were just marginalized. I...
by rgs92
Fri Aug 31, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6419

Re: Lexus vs. Mercedes

The 2016 E-class was the last year of the 3.5 V6 engine (E350) which is very reliable. They switched to a 4-cyl for the 2017 E300 and it has less power, I would not recommend it, the interior looks "prettier" and more modern but feels a little cheaper to me, and the 2017 exterior looks too much lik...
by rgs92
Fri Aug 31, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Looking for a good Moving Company. All have awful reviews.
Replies: 21
Views: 967

Re: Looking for a good Moving Company. All have awful reviews.

Any thoughts on White Glove moving? Thanks.
by rgs92
Fri Aug 31, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Are CDs considered an investment?
Replies: 75
Views: 3967

Re: Are CDs considered an investment?

It's the fixed income part of your portfolio. Your entire portfolio, with re-balancing periodically, is your investment portfolio.
by rgs92
Fri Aug 31, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Looking for a good Moving Company. All have awful reviews.
Replies: 21
Views: 967

Re: Looking for a good Moving Company. All have awful reviews.

OK, thanks so much everyone here. 1. So you can specify door-to-door with no intermediate unloading? I assume this is an extra cost (but that's fine). 2. Can you ask that the truck holds only your stuff? 3. Thanks for the Paul Arpin recommendation, but, just like all the other movers, there are endl...
by rgs92
Fri Aug 31, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Looking for a good Moving Company. All have awful reviews.
Replies: 21
Views: 967

Looking for a good Moving Company. All have awful reviews.

So I am looking for a long distance moving company (northeast to Atlanta area). Every single major mover I research has horrible reviews. All mention major damage and lots of lost items. It seems that even if cost is not a concern, there is no way to do a move without having your stuff semi-destroye...
by rgs92
Tue Aug 28, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 278
Views: 26564

Re: U.S. stocks continue to soar!

Just enjoy the ride. Doing anything else would be a violation of Bogle principles. (As long as you are near your asset allocation targets.)
by rgs92
Sun Aug 26, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14913

Re: The Fall of Consumer Reports

Sometimes they come up with things I haven't read anywhere else and are new to me. Like high levels of mercury in tuna, and exploding sunroofs in Toyotas, Hondas, and others. So even if I get one bit of important info a year, it may be a really important one, so I keep my subscription. Ha ha, they s...
by rgs92
Sat Aug 25, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: When do you replace a working desktop computer?
Replies: 27
Views: 2059

Re: When do you replace a working desktop computer?

I still have my Puget Custom Computer (PCC) desktop that is 8 years old with all original hardware and have no plans to replace it as long as it works. It has no moving parts other than the case fan. It has never needed service. Runs Windows 10 perfectly and any software I throw at it. (It's a core ...
by rgs92
Sat Aug 25, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6643

Re: How do you calculate net worth with pensions?

I think this shows that the concept of net worth is pretty useless since it can be calculated so many different ways. Is your social security part of your net worth? If you get alimony for life is that part of it? It depends on what you are using the net worth figure for. And what is a good use of n...
by rgs92
Sat Aug 25, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Former Kaspersky user, PCMATIC?? or what as a replacement?
Replies: 23
Views: 1447

Re: Former Kaspersky user, PCMATIC?? or what as a replacement?

Does Malwarebytes interfere with Norton? I've had Norton for decades so I'm used to it and it does sometimes jump in and detect something and stop it.
by rgs92
Sat Aug 25, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Circuit breaker stays tripped
Replies: 29
Views: 2733

Re: Circuit breaker stays tripped

Call an electrician. It could be some sort of short somewhere or something wrong with the box, or there is too much on one of the boxes circuits.
by rgs92
Sat Aug 25, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: My son is 1 years old now I want to save money for him Help me with some options on where to save
Replies: 15
Views: 1414

Re: My son is 1 years old now I want to save money for him Help me with some options on where to save

I would just save in my own retirement fund and use it for kids later when they need it.
I don't see the point of dedicating it to them unless you have already won the game.
by rgs92
Sat Aug 25, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Move some over to Fidelity ZERO ?
Replies: 23
Views: 1796

Re: Move some over to Fidelity ZERO ?

I still stick with Vanguard Balanced Index and the Fidelity Freedom Index funds because I like the idea of continuous re-balancing, hoping it will smooth out the ride. (Of course, hope is not a strategy, but I do it anyway, like it's a lucky charm in my pocket.)
by rgs92
Sat Aug 25, 2018 1:49 am
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 62
Views: 5627

Re: Am I Wrong for being 100% Equities ?

There are several threads right now about being mostly or completely in equities with the market at new highs today and earlier in the week.
by rgs92
Sat Aug 25, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7766

Re: I still use cash not credit cards should I reconsider?

I look forward to the day when I can use a finger-print or voice recognition or iris scan to pay anything and have it charged to my credit card or bank account. Then I wouldn't need a wallet at all. I hate carrying a wallet. Why should I have to carry any physical cards (or paper currency) in these ...
by rgs92
Sat Aug 25, 2018 1:36 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7766

Re: I still use cash not credit cards should I reconsider?

Doesn't your wallet get big and thick and unmanageable with all that cash in it?
What do you do with the change in coins when you pay with cash?
(I find myself letting merchants keep the coin-change whenever I use cash. That adds up I find.)
by rgs92
Fri Aug 24, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Can you lose capital on these types of bond funds if you hold them to maturity?
Replies: 13
Views: 1085

Re: Can you lose capital on these types of bond funds if you hold them to maturity?

Maybe a closed end bond fund, but I'm not sure.
I think the OP is confusing a bond fund with an individual bond.
The one's mentioned are regular, open ended ones.
by rgs92
Fri Aug 24, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: "75 Must Know Statistics About Long-Term Care: 2018 Edition"
Replies: 52
Views: 5437

Re: "75 Must Know Statistics About Long-Term Care: 2018 Edition"

I feel that I never want to be in a place where my services are being paid by Medicaid (on a Medicaid level).
Am I wrong on this?
by rgs92
Fri Aug 24, 2018 8:43 pm
Forum: Investing - Theory, News & General
Topic: Can you lose capital on these types of bond funds if you hold them to maturity?
Replies: 13
Views: 1085

Re: Can you lose capital on these types of bond funds if you hold them to maturity?

I think what you are asking is, If I invest in a bond fund, and then sell what I invested, can what I get back after the sale be less than what I spent. The answer is yes. All bonds have a market value that changes every second like stocks. So if they go down, you are selling at a loss. The funds ho...