Search found 1428 matches

by rgs92
Sun Nov 19, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 117
Views: 7560

Re: Is holding bonds now dangerous?

A flight to quality can happen anytime. And bonds are the place to be when this happens.
by rgs92
Thu Nov 16, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 96
Views: 4127

Re: Where did you first learn about investing?

I started watching Wall Street Week. Lou and his panel guests influenced me. Peter Lynch inspired me every time I saw him. He seemed very honest and down to earth and not trying to sell me anything.
by rgs92
Wed Nov 15, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3693

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

CT,NJ,IL, the NYC suburbs... they are all in bad fiscal shape (pension problems and all that). But if you have a good income and can afford the property taxes, it's fine. They are all very nice places to live. They have a great quality of life, are nice and safe, and they are full of some of the wea...
by rgs92
Wed Nov 15, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 47
Views: 5646

Re: 55+ Early retirement offer.

I would hang on to your job if it doesn't drive you crazy unless you really want to retire right now for personal reasons. It will probably take them years to let you go if you stay, so look at it from that perspective. If you leave, any other job you get would probably be some sort of contracting j...
by rgs92
Wed Nov 15, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1783

Re: Honda Accord Hybrid EX-L- great deal or not?

OK, it sounds like you did good research and you like the car, so it sounds like a go. The dealer usually likes it when you finance through them, so I would offer to do that if they toss a few dollars back; say you are considering financing elsewhere or paying cash and see what they say. They may gi...
by rgs92
Tue Nov 14, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1783

Re: Honda Accord Hybrid EX-L- great deal or not?

Well, personally I would never buy a hybrid since oil (gasoline) is cheap and in over-supply (the shale boom had a lot to do with this). And hybrid cars are more complex and could easily have higher repair costs over the long haul. That's probably why I think the price is low, as there is a demand p...
by rgs92
Mon Nov 13, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3336

Re: Do telecom stocks have a future?

Again, thanks to everyone for all this info. I guess their is something to be learned in the GE 50% dividend reduction today. Cheers to all the commenters here.
by rgs92
Mon Nov 13, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 28
Views: 2152

Re: Audiophile Headphones

Check out headphones by Grado . I have the SR80-e which is $99. I would avoid anything by Sony. Most audiophiles look down on those kind of popular brands... The Sony MDR-Z1R, although having a relatively unique sound signature, is loved by many. There are also those who are not fans of it. I think...
by rgs92
Mon Nov 13, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3422

Re: Chromebook vs Windows 10?

After decades of using Microsoft PC operating systems, I feel Windows 10 finally got it right. It is intuitive, flexible, and rarely buggy, and bugs that appear seem to happily go away on their own. (And there is always some workaround like changing browsers.) Disk management and hardware compatibil...
by rgs92
Mon Nov 13, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Is the 4% SWR still valid because inflation is low despite low rates?
Replies: 5
Views: 627

Is the 4% SWR still valid because inflation is low despite low rates?

Many posts here say the very low interest rates mean that the 4% SWR (Safe Withdrawal Rate) is too generous. But since inflation seems to be stubbornly stuck at 2% or less, doesn't that support the 4% SWR since the nominal inflation adjusted amounts taken each year will be smaller? Thanks for any in...
by rgs92
Mon Nov 13, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: do I need two different credit card companies
Replies: 14
Views: 1196

Re: do I need two different credit card companies

I think you should also have the Citibank Double Cash card for the 2% reward also just for the nice cash back. (This card is a favorite on BH if you search for posts about it. It is though the same bank as the Costco card, but it still is worth having.)
by rgs92
Sun Nov 12, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: How do you project the amount you will have to spend annually in retirement?
Replies: 76
Views: 4144

Re: How do you project the amount of income you will have in retirement?

I double our current expenses in retirement and put 25X on top of that. Or, take our current retirement expenses and put 50x on it. That would translate $160K into 8 million dollars for me, which is quite a stretch in my case. Even I allowed for social security, it still would be between 5 and 6 mi...
by rgs92
Sun Nov 12, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much spending would this retirement situation support?
Replies: 4
Views: 628

Re: How much spending would this retirement situation support?

OK, thanks. Yes, the social security numbers are correct (actually, the real numbers are even a little higher).
Yep, to get a fixed annuity of $100K a year is about $1.6 to $1.7 million. But again, that's not inflation adjusted.
Thanks for the comments.
by rgs92
Sun Nov 12, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 41
Views: 4048

Re: Warm Shirt for Winter

I like layers so I can shed layers at will if I get hot. It's adjustable.
by rgs92
Sun Nov 12, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7228

Re: Personal letters to the sellers of your house can work!!!

The only thing I would think is useful in a letter is to let the buyers know you have a lot of backup money to go ahead with the purchase in case the house doesn't appraise or repairs are needed. As a seller, I would certainly rather sell to someone who is not hanging by a financial thread or levera...
by rgs92
Sun Nov 12, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: How much spending would this retirement situation support?
Replies: 4
Views: 628

How much spending would this retirement situation support?

With these numbers, how much could someone (a married couple) use annually for income [1] as a gross amount before taxes are taken; [2] as a net amount after federal taxes are paid; ? Let's say 60 years old. A. Fixed (non inflation adjusted) lifetime pension: $100,000 a year. B. Social Security avai...
by rgs92
Sun Nov 12, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Unnecessary Corporate Meetings
Replies: 25
Views: 1880

Re: Unnecessary Corporate Meetings

I used to notice on almost everyone's annual report of accomplishments, the main thing mentioned was attending meetings.
by rgs92
Sat Nov 11, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3336

Re: Do telecom stocks have a future?

I think that if you *do* buy some stocks for dividend income, you need to commit to never selling them and just taking the dividends and ignoring the price. In that sense, they are like buying a bond, just one with a maturity date that is beyond your lifetime. Never expect to sell at a profit. Of co...
by rgs92
Fri Nov 10, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 28
Views: 2152

Re: Audiophile Headphones

I love ZMF headphones (especially the Atticus; a fine balance between musicality/non-fatiguing-sound and real reach and insight and detail). They are actually quite a bargain in the audiophile headphone arena, where prices can go into the thousands easily. The ZMF is state of the art IHMO to my ears...
by rgs92
Fri Nov 10, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 12634

Re: The fear of retirement, black swan, and math to dissuade the fear.

I think in a black swan event that caused a depression, things to buy would become dirt-cheap, and therefore your leftover assets would be enough to purchase what you need to survive decently. As far as I see it, the black-swan events in my lifetime were (1) the 1981 20%+ interest rates; (2) the 198...
by rgs92
Fri Nov 10, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3336

Re: Do telecom stocks have a future?

CyclingDuo wrote:
Fri Nov 10, 2017 9:17 am
rgs92 wrote:
Thu Nov 09, 2017 8:50 am

(3) I read somewhere that they are essentially like convertible bonds. But could the bottom drop out?


http://marketrealist.com/2015/07/divide ... nds-times/
Good article. Thank you!
by rgs92
Fri Nov 10, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 260
Views: 35000

Re: Selling all equities, discuss why I'm wrong. :)

At ~50/50 for life I can rationalize that I'm always right. This way I can easily stay the course and sleep at night.
Market goes up, I happily look at my gains. Market goes down, and I feel comfy with my bonds/stable value/cash. So it's always good.
by rgs92
Fri Nov 10, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4004

Re: Septic tank - deal killer?

It's common in the NY suburbs. I had one for years before sewers were installed and it worked fine and transparently.
by rgs92
Fri Nov 10, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2694

Re: Home backup generator experiences

I have Kohler whole house natural gas generator and I think it's a top priority necessary expense. I don't want my air conditioning or heating to go out, period. If it gets used once in 20 years, it's worth it, and it's not something I would be cheap with. It's almost a life and death thing. Over th...
by rgs92
Thu Nov 09, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: How to rent a house? (I'm the renter.)
Replies: 11
Views: 943

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

Thanks again for all the help.
by rgs92
Thu Nov 09, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Extended Warranty on Used Car
Replies: 15
Views: 797

Re: Extended Warranty on Used Car

My extended warranty is from Lexus itself. (Lexus Financial Services to be exact.) Yes, 8 years, bumper to bumper (the same coverage as a new car warranty). It was actually $3525. I was mistaken earlier on the price. It is for 8 years from the time I bought it, with unlimited mileage. It's a 2014 mo...
by rgs92
Thu Nov 09, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Extended Warranty on Used Car
Replies: 15
Views: 797

Re: Extended Warranty on Used Car

8 year bumper-to-bumper warranty on my used CPO Lexus. Can't beat it IMHO. They even recently replaced my worn floor mats for free. I feel it's worth every penny for this; it's like a cheap insurance policy with a single up-front premium ($3525 for these 8 years essentially the same coverage you get...
by rgs92
Thu Nov 09, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3336

Re: Do telecom stocks have a future?

Big thanks for all the great comments. (Ha ha, ironically, Bogleheads seems to provide the most level-headed and keen, objective, broad and unexpected insights into individual stocks and sectors, even though buying particular stocks is contrary to the BH philosophy.) Again, thanks! You are all very ...
by rgs92
Thu Nov 09, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3336

Re: Do telecom stocks have a future?

I was thinking that network capability was becoming a commodity (subject to price wars, where quality wasn't really an issue, no real way to differentiate your product)... OTOH, these stocks are about 64% institutionally owned. Is that a factor? Or is that a factor for any particular stock in genera...
by rgs92
Thu Nov 09, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3336

Re: Do telecom stocks have a future?

Well, that why I was crowd-sourcing this question here nisprius. Thank you. Also, I know there are many members here who used to be in this field too, and may be thinking the same thing. Sometimes you just hold on to certain stocks out of inertia or just from a buy-and-hold mentality, however misgui...
by rgs92
Thu Nov 09, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3336

Do telecom stocks have a future?

I still have a fairly large lump of big telecom stocks from my legacy of working in that field. (1) Does telecom have a future or will cord-cutting kill this industry? (2) Are these stocks worth keeping as quasi-bond equivalents? (3) I read somewhere that they are essentially like convertible bonds....
by rgs92
Thu Nov 09, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 12634

Re: The fear of retirement, black swan, and math to dissuade the fear.

I feel this makes a case for having a robust floor or foundation of income via SPIAs or other vehicles that generate regular payments for life. Even the inflation risk inherent in these seems worth it to me. It's certainly better than thinking you could go back to work when you are old. That would b...
by rgs92
Wed Nov 01, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Limited Term SPIA as bridge income until Social Security? SPIA Ladder Viability?
Replies: 27
Views: 1040

Re: Limited Term SPIA as bridge income until Social Security? SPIA Ladder Viability?

I personally would only get an SPIA for life (and certainly most preferably joint since you are married, or at least a very long continuation period for your wife if she survived you, like 30 years). With a limited term one, it's easy to spend it all and be left with nothing. (And then what? You wil...
by rgs92
Wed Nov 01, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Pay off boat or invest the money?
Replies: 4
Views: 475

Re: Pay off boat or invest the money?

That's a pretty high fully taxable interest rate. So I would pay it off.
by rgs92
Tue Oct 31, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: More Bogleheads 2017 pictures
Replies: 17
Views: 2946

Re: More Bogleheads 2017 pictures

I like photo 197 (titled Chihuahua or Muffin?).
[Is there a story behind that one?]
Thanks for these.
by rgs92
Tue Oct 31, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 41
Views: 2776

Re: Someone spoofing my phone number?

nomorobo still lets many of the calls come through. A rough estimate is that nomorobo blocks about 60% of the spam calls (my observation).
It appears that nomorobo is particularly weak with those calls from my local exchange.
by rgs92
Tue Oct 31, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18558

Re: Early-retired 35 year old with $1 million

I personally wouldn't want to live according to life-changing irreversible decisions I made at 35.
Mistakes 'R' Us you know.
by rgs92
Tue Oct 31, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: House - leaking chimney - thoughts?
Replies: 24
Views: 1089

Re: House - leaking chimney - thoughts?

I had this. The first contractor did some halfway thing like this one you mention for about $500 and it didn't work and was money down the drain. The next one (who I chose by reading lots of reviews online for ones who did good work and were not recommended because they were cheap) came in and rebui...
by rgs92
Tue Oct 31, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 41
Views: 2776

Re: Someone spoofing my phone number?

You really can barely answer the phone at all these days. 90% of the calls are spam. Never pick up unless you absolutely recognize the name first.
by rgs92
Tue Oct 31, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3457

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

Thanks again for all the suggestions (many things I never would have been able to find elsewhere).
Personally, I like cloudy weather the best, but I can't afford Seattle...
by rgs92
Mon Oct 30, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Should I pay off mortgage? Has this ever been asked before?
Replies: 41
Views: 3368

Re: Should I pay off mortgage? Has this ever been asked before?

For that small amount of money, it really doesn't matter whether you do or not.
I would probably just pay it off to avoid the annoyance. Good luck to you.
by rgs92
Mon Oct 30, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12188

Re: Request for Promotion letter to Senior Management

Nah, it's dangerous. What you feel is confidence can easily come across as arrogance. They like you humble and grateful. It's up to your boss to praise you. Never praise yourself. You'll be marked as having a big ego. Long experience in IT in big telcom taught me this. Bottom line: don't hit the sen...
by rgs92
Mon Oct 30, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Stocks go up, bonds fall. Stock fall, bonds also fall.
Replies: 51
Views: 5362

Re: Stocks go up, bonds fall. Stock fall, bonds also fall.

Flights To Quality help bonds a lot. That's when they provide ballast, and that's the purpose of bonds.
[I started a thread a few months ago asking what happens if stocks and bonds fall at the same time and got many good replies (and felt better).]
by rgs92
Mon Oct 30, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Storage Recommendations for pictures
Replies: 22
Views: 1107

Re: Storage Recommendations for pictures

Flickr is good and easy to use and has massive free storage. Just get a yahoo mail address (free) and use that to log in to it (Flickr). [Flickr is owned by yahoo.] It has albums so you can easily organize your photos anyway you want (by year, say, or by which child, or any criteria you want). It's ...
by rgs92
Sun Oct 29, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3457

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

Thank everyone for all this; I really appreciate it. Thanks to Taylor for the Consumer Reports reference also.
And also big thanks to James865 for his professional advice.
by rgs92
Sat Oct 28, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3457

Sunscreen: use it all the time? (And what's a good one w/o sting?)

Do you use sunscreen for everyday activities when it's sunny out?
If so, do you have and recommendations for one that doesn't sting? (I have this problem.)
Thanks.
by rgs92
Thu Oct 26, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 9993

Re: Emotional impact of spending down assets?

I like the idea of having a "floor" of income for the rest of my life (well, both of us considering my wife and me). That's how I deal with living without a salary emotionally. There should always be a decent amount of money coming in, a foundation, to prevent Armageddon. I like the OP's question. I...
by rgs92
Tue Oct 24, 2017 6:37 am
Forum: Personal Finance (Not Investing)
Topic: New Mortgage For Seniors
Replies: 6
Views: 679

Re: New Mortgage For Seniors

So who offers these?
by rgs92
Mon Oct 23, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2129

Re: Running shoes/insoles

I like Saucony running shoes. They have a nice bounce and good support and still have a good feel of the road. The Guide ISO is nice.
They are also good for walking or in the gym on machines. I have wide feet too and they are fine (no stress or sores on my feet after long use).
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: 923

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

Thanks. Great article. (The link worked fine for me.)