Search found 57 matches

by cessna210
Tue Dec 03, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Apps or structured program for reading the Bible?
Replies: 36
Views: 1959

Re: Apps or structured program for reading the Bible?

I had the same issue. What worked for me was to start with Matthew and read the entire new testament, then work back to certain books in the old testament. When reading something and you come across the phrase "As it was written...", go back to the source. If you have a Bible that gives you referenc...
by cessna210
Thu Mar 14, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Trip to Osaka in late July early Aug. Must see. Things to do.
Replies: 26
Views: 2438

Re: Trip to Osaka in late July early Aug. Must see. Things to do.

Check out to see if there's a baseball game. It's definitely a different experience than US baseball. We enjoyed interacting with other fans during the game. We saw the Orix Buffaloes vs. Hanshin Tigers at Koshien stadium. My daughter mentioned that Osaka is the food capital of Japan. She also wande...
by cessna210
Thu Mar 31, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: GRE Study Materials
Replies: 22
Views: 2574

Re: GRE Study Materials

I used Magoosh last year. It helped with knowing some of the tricks for estimating on the quantitative reasoning part of the test.
https://gre.magoosh.com/
by cessna210
Mon May 04, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: IPhone in Japan
Replies: 20
Views: 6102

Re: IPhone in Japan

We were in Japan and Korea last year with numerous devices in the family including iPhones, Android, laptops, and a tablet or two. We rented a Pocket Wifi device and a backup battery from Global Advanced Communications: http://www.globaladvancedcomm.com/ . You need to reserve the device in advance a...
by cessna210
Tue Dec 16, 2014 5:21 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 8861

Re: Any pilots here?

I flew into PHL on my way to BH10 in 2011. They gave me the crosswind runway. Kept the speed up, reduced flaps, sweet landing in less than favorable conditions. Took quite a while to get my clearance out though. Once I started taxing, I prepared for takeoff before I reached the runway. They gave me ...
by cessna210
Tue Dec 16, 2014 12:40 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 8861

Re: Any pilots here?

I started flying in the 70's, soloed at 18. I've flown 1000 hrs in the past 10 yrs including 50 missions for AngelFlight Southeast ( http://www.angelflightse.org/ ). I've owned a Cessna 182 and a Cessna 210 which I recently sold to an organization that performs flights for those who are medically ne...
by cessna210
Sat Jul 19, 2014 1:27 pm
Forum: Personal Consumer Issues
Topic: Visiting Japan
Replies: 16
Views: 2346

Re: Visiting Japan

We just got back from Osaka. The best time we had was attending a Hanshin Tigers baseball game at Koshien Stadium. It may not fit the classic definition of historical or cultural, but it's both! Our tickets were purchased and delivered to our hotel through the japanball.com website.
by cessna210
Fri Jun 22, 2012 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Got killed on my refi appraisal - can this deal be salvaged?
Replies: 16
Views: 2816

Re: Got killed on my refi appraisal - can this deal be salva

I tried to do my refinance with Amerisave in 2010 and it didn't work out at all. I would recommend moving onto a different company. They broke their promises to me and led me on for months costing me additional fees since they required me to modify my local bank credit line. Finally, they added a nu...
by cessna210
Tue May 15, 2012 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: To sell (old car) or not
Replies: 46
Views: 3341

Re: To sell (old car) or not

I have a 2004 Audi S4 with about 70k miles on it. I love the car, the performance, style, etc. It's been relatively maintenance free, just a larger bill last year at it's last annual physical. I wouldn't count the cost of consumables when trying to decide to sell an older car. You always need brakes...
by cessna210
Wed Feb 29, 2012 9:36 am
Forum: Personal Consumer Issues
Topic: Early retirement to Florida
Replies: 177
Views: 23533

Re: Early retirement to Florida

We moved from NJ to the Heathrow/Lake Mary area (which is north of Orlando and Winter Park) to be part of a ministry in Sanford, FL. At our church, there are many snowbirds who arrive in October and leave in May. The area has a number of technology related businesses, so there's a good amount of pro...
by cessna210
Sun Jan 15, 2012 6:47 pm
Forum: Personal Investments
Topic: Would like some suggestions on our Bond side
Replies: 4
Views: 891

Re: Would like some suggestions on our Bond side

Seems to me that it would depend on the purpose of bonds in your portfolio. Your mix of bonds 80/20 (TBM/VIPSX) makes sense if you're following the method of owning the entire market (ex. Vanguard Core Funds , Target Retirement , 3 Fund Portfolio ). If you're settled on that, then just rebalance to ...
by cessna210
Sun Jan 08, 2012 9:28 pm
Forum: Investing - Theory, News & General
Topic: The Bottom Line: Just sit there.
Replies: 31
Views: 5017

Re: The Bottom Line: Just sit there.

At the BH 10 conference, I heard John Bogle say this for the first time (for me):
"Don't do something, Just sit there"
by cessna210
Sun Jan 08, 2012 9:22 pm
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4991

Re: Glad it wasnt an accident but what were my options

You did fine. The guy jaywalking was the problem. His reaction to you proved it. He put you in a situation where you felt you needed to back up to get out of the line of traffic. Honking at the idiot was probably a mistake, not that he didn't deserve it.
by cessna210
Wed Jan 04, 2012 10:55 am
Forum: Investing - Theory, News & General
Topic: Hilarious YouTube about Working on Wall Street
Replies: 5
Views: 1020

Re: Hilarious YouTube about Working on Wall Street

Thanks for the video. I love that tune by Billy Joel.

... bad idea to midget toss :lol:
by cessna210
Mon Jan 02, 2012 4:08 pm
Forum: Investing - Theory, News & General
Topic: 2011 Returns Thread
Replies: 137
Views: 13829

Re: 2011 Returns Thread

+3.5% return for 2011

50/50 stocks/bonds
70/30 Total Stock/Total International
50/50 Intermediate Treasuries/TIPS

For 2012, changing to 45/55 (avg age in Bonds).
44/22/33 Total Stock, Small Cap Value, Total International
100 ST bonds/T-Bills/CDs

May allocate to Intl. Small Cap also. Not sure yet.
by cessna210
Thu Dec 29, 2011 4:21 pm
Forum: Personal Investments
Topic: Risk-less, High Quality Fixed Income
Replies: 2
Views: 637

Re: Risk-less, High Quality Fixed Income

I'm wondering whether it makes sense to purchase 6 month T-Bills or just leave the balance in the money market?

Also, I'd like to hear from others whether rolling 6 month T-Bills over (per Bernstein) would keep up with inflation (once/if rates revert to historical levels)?
by cessna210
Thu Dec 29, 2011 11:21 am
Forum: US Chapters
Topic: New Orlando Boglehead Chapter
Replies: 28
Views: 3156

Re: NEW ORLANDO BOGLEHEAD CHAPTER

Good to meet everyone.

Jim
by cessna210
Wed Dec 28, 2011 11:44 pm
Forum: Personal Investments
Topic: Risk-less, High Quality Fixed Income
Replies: 2
Views: 637

Risk-less, High Quality Fixed Income

I want the bond portion of my tax-advantaged portfolio to be in risk-less, high quality fixed income (per Bernstein, Swedroe, et al), limited to <= 1 yr maturities. While I could purchase CD's outside of Vanguard such as PedFed (1 yr @ .99%), I'd like to explore my options within Vanguard. Am I limi...
by cessna210
Tue Dec 27, 2011 11:20 am
Forum: US Chapters
Topic: New Orlando Boglehead Chapter
Replies: 28
Views: 3156

Re: NEW ORLANDO BOGLEHEAD CHAPTER

I plan on attending.
by cessna210
Sun Oct 30, 2011 7:30 pm
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3302

Re: Justifying 2007 Acura MDX purchase

When we were shopping for an SUV, it was very difficult to find a 7 seater (first of all) and a usable 3rd row. We often travel around with 6 at a time. One of the teenagers sits in the back. I've also put one of the older children (young adults) back there for travel from the airport or other short...
by cessna210
Sat Oct 29, 2011 2:21 pm
Forum: Personal Consumer Issues
Topic: Justifying 2007 Acura MDX purchase
Replies: 42
Views: 3302

Re: Justifying 2007 Acura MDX purchase

We have the 2007 Acura MDX and like it very much. My wife got tired of minivans after 20 yrs. After 4 yrs, it still looks great and runs well (i.e. no rattles/squeaks, good power). We're not planning on replacing it any time soon. While it's a 7 seater, the back row isn't comfortable for adults and ...
by cessna210
Sat Oct 22, 2011 11:51 am
Forum: Investing - Theory, News & General
Topic: Taking risk on the bond or stock side
Replies: 33
Views: 2452

Re: Taking risk on the bond or stock side

Ah, I see -- you're seeing a potential free lunch by shifting risk from equities to bonds. Not sure that's true, but good luck with that. We know that there's no free lunch and you need to increase risk in order to increase return. My point was that it seems that the increase in risk in the example...
by cessna210
Sat Oct 22, 2011 11:26 am
Forum: Investing - Theory, News & General
Topic: Taking risk on the bond or stock side
Replies: 33
Views: 2452

Re: Taking risk on the bond or stock side

Why did your personal risk profile change based on the words of someone else - Jack Bogle or otherwise? Nothing changed for me. I was just interested in something that was said that I didn't expect, namely taking additional risk (albeit possibly low risk) on the bond side in order to increase retur...
by cessna210
Sat Oct 22, 2011 11:24 am
Forum: Investing - Theory, News & General
Topic: Taking risk on the bond or stock side
Replies: 33
Views: 2452

Re: Taking risk on the bond or stock side

you might also find a glance at past portfolios useful: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations?cbdForceDomain=true The VG chart of past performance shows the same difference in return mentioned above. At 50/50 the avg historical return since 1926 is 8...
by cessna210
Sat Oct 22, 2011 9:54 am
Forum: Investing - Theory, News & General
Topic: Taking risk on the bond or stock side
Replies: 33
Views: 2452

Re: Taking risk on the bond or stock side

Thanks for the posts so far. I'll look into the PenFed option. Based on Jack's assumptions (and they could be different as he mentioned), if I kept my bond allocation in very safe investments (i.e. treasuries @ 2%) and wanted to increase my stock allocation rather than take risk on the bond side, wo...
by cessna210
Fri Oct 21, 2011 8:02 pm
Forum: Investing - Theory, News & General
Topic: Taking risk on the bond or stock side
Replies: 33
Views: 2452

Re: Taking risk on the bond or stock side

I understand that I need to increase risk to increase return. I was just using the simple numbers that Jack Bogle was using as an example. If the assumption is that stocks will return 7% over the next 10 yrs and bonds will return 2%, why couldn't we estimate that a 50/50 split will return 4.5%? It w...
by cessna210
Fri Oct 21, 2011 1:17 pm
Forum: Investing - Theory, News & General
Topic: Taking risk on the bond or stock side
Replies: 33
Views: 2452

Taking risk on the bond or stock side

After hearing Jack Bogle's recent message at BH 10 and on his Morningstar interview regarding increasing risk on the bond side, I made some simple calculations based on his assumptions and wanted to hear the board's feedback on the results. Bogle's assumptions for next 10 yrs: 7% return on stocks, 2...
by cessna210
Fri Aug 26, 2011 4:43 pm
Forum: Personal Investments
Topic: Why is the bank so strict?
Replies: 24
Views: 3566

I needed to give up my HELOC in order to refinance with PenFed. I believe that they wanted 65% LTV (loan-to-value) in FL. In the last year and a half, I would bet that FL values have decreased more than 10%.
by cessna210
Mon Aug 08, 2011 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce on the Cheep
Replies: 11
Views: 1479

Parakeets cheep. Parakeets are cheap. :)
by cessna210
Thu Jun 02, 2011 6:51 pm
Forum: Personal Investments
Topic: A four fund portfolio?
Replies: 32
Views: 5771

35% Total Stock Index Fund
15% Total Int'l Stock Index Fund
25% Total Bond Index
25% TIPS Fund
That's exactly what I had until I changed Total Bond to Intermediate Treasury recently.
by cessna210
Tue May 17, 2011 5:08 pm
Forum: Personal Investments
Topic: Conundrum about current FTSE All World ex-US holding
Replies: 14
Views: 2227

I have the similar situation with VEU in my taxable accounts (converted from VFWIX). I've changed to Total International (VTIAX) in my tax-advantaged accounts, but I haven't done anything with the taxable account yet. I deferred the decision until this month to make sure that all of the gains are lo...
by cessna210
Tue May 17, 2011 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Move To South America?
Replies: 78
Views: 6249

I started my business in 1979. In the first few years, let's see... First Business Loan: 22.5% (1980, 2+prime) First Mortgage: 16.5% (1982) Computer cost for mid-range system: 60k Communism on the march Hostages, failed rescue attempt Lots of layoffs, businesses closing Oil shortages, gas lines Clie...
by cessna210
Sat May 14, 2011 7:05 pm
Forum: Personal Investments
Topic: the big FAIL portfolio
Replies: 23
Views: 5877

I don't think that the chastisement is called for. When I'm searching for something, I ask a lot of questions, try out a number of options and make a decision. Then, when I think about it some more (or learn more about the subject), I'll make adjustments. I started with 100% stocks up to the beginni...
by cessna210
Sun Apr 24, 2011 3:43 pm
Forum: Personal Consumer Issues
Topic: Shouldn't Madoff's clients have wondered....
Replies: 28
Views: 4117

I always referred to them as "line printers". The uppercase only bands started with only 48 characters. They were very noisy, but also very fast (compared to others at the time). The AS/400 has been around since 1988. The current iteration of that equipment is marketed as "IBM i" and is still availa...
by cessna210
Fri Apr 22, 2011 8:07 pm
Forum: Personal Consumer Issues
Topic: Buying used car, opinions needed
Replies: 26
Views: 3862

I absolutely love my 2004 Audi S4. It still looks like new. I have low mileage and my repairs have been minimal. Last year was the first time that the maintenance cost spiked a bit. After 7 years, the car still performs like new. Great power with the V8 engine. Hold the turns well. Nothing rattles. ...
by cessna210
Mon Mar 28, 2011 9:27 pm
Forum: Personal Consumer Issues
Topic: Internet Explorer 9 Problem with Vanguard - Solution
Replies: 11
Views: 2317

So, which of the three components--Vanguard, Firefox, or IE 9--is the one that is failing to implement Web standards correctly? We don't know what problem that the OP had with the IE9 on the Vanguard site. I can only comment about my small intranet application. It's been my experience you have to w...
by cessna210
Mon Mar 28, 2011 9:19 am
Forum: Personal Consumer Issues
Topic: Internet Explorer 9 Problem with Vanguard - Solution
Replies: 11
Views: 2317

I downloaded IE9 last night and found that my business web site wasn't working with the new version. After narrowing it down to a change in the MSXML version, I just added my site to the compatibility settings (Tools-->Compatibility View Settings) until I get a chance to fix it. IE9 still uses Activ...
by cessna210
Thu Dec 09, 2010 10:42 pm
Forum: Personal Consumer Issues
Topic: Modern Day Words And Phrases You Hate
Replies: 210
Views: 21821

Game Changer
by cessna210
Sat Oct 16, 2010 8:19 am
Forum: Personal Investments
Topic: Experiences with FOLIOfn?
Replies: 39
Views: 13805

So I take it that at the time you were not able to import data directly into your portfolio tracking program? I know that they have a way to import the data on an annual basis (or range of dates). I don't remember if they have it for each trade as it occurs. I started investing in 1998 and opened m...
by cessna210
Fri Oct 15, 2010 9:19 am
Forum: Personal Investments
Topic: Experiences with FOLIOfn?
Replies: 39
Views: 13805

I used FolioFN for a few years. It was a stepping stone for me transitioning from individual stocks to mutual funds. You create your own mutual fund by selecting a basket of stocks & then you're able to purchase your fund with a fixed dollar amount. Each individual stock is purchased based on the pe...
by cessna210
Mon Aug 30, 2010 10:04 am
Forum: Personal Finance (Not Investing)
Topic: HOA vs non-HOA and condos
Replies: 19
Views: 2544

I live in a development controlled by a HOA. While it's a very nice place to live, my next property (if I ever move) will not have a HOA or any other controlling board. My experience is, while they may keep the undesirable behaviors of others under control, they tend to treat every resident as one t...
by cessna210
Thu Aug 26, 2010 4:13 pm
Forum: Personal Investments
Topic: Should I move Wellesey to Index Funds?
Replies: 7
Views: 1961

You know you asked folks to predict the future. Not even that backtesting can predict the future. I didn't think that I was asking that. Just asking for opinions about Wellesley vs. all index. Specifically, if I were to move away from Wellesley, what allocation would I use. I could figure out the p...
by cessna210
Thu Aug 26, 2010 4:04 pm
Forum: Personal Investments
Topic: Should I move Wellesey to Index Funds?
Replies: 7
Views: 1961

Thanks for all of your replies... I searched for the back test spreadsheet as recommended. Very interesting. I'm ok with a mix of managed and index funds. I was just considering whether all index made more sense. All of Wellesley is in tax-advantaged accounts. Looks like it makes sense to stick with...
by cessna210
Wed Aug 25, 2010 8:23 pm
Forum: Personal Investments
Topic: Should I move Wellesey to Index Funds?
Replies: 7
Views: 1961

Should I move Wellesey to Index Funds?

Emergency funds: 6 months Debt: Mortgage 5.75% refinancing to 3.75% Tax Filing Status: Jointly Tax Rate: 33% Federal 0% State, Florida Age: 51 Desired Asset allocation: (stocks 50% / bonds 50%) Current portfolio: 6 figures New annual Contributions - maximum SEP $49k Holdings: 26% VTSAX Total Stock M...
by cessna210
Sat Aug 21, 2010 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: turned down for a loan (for the first time ever)
Replies: 18
Views: 4344

A number of years ago, I was constantly receiving mail trying to get me to upgrade to an American Express Platinum card. I kept throwing them in the trash. I already had a green or a gold card at the time. Then one day, they sent me another one, stating that I was pre-approved, etc. So, I decided to...
by cessna210
Fri Aug 20, 2010 9:37 pm
Forum: Personal Consumer Issues
Topic: Private Pilot lessons worth the cost?
Replies: 47
Views: 12487

For me, I "need" to fly. Ever since I was a kid, I loved anything to do with flight. I remember my Dad taking me to Kennedy to watch planes land & takeoff from an observation deck. I followed every Apollo mission. I was always looking skyward. As I was trying to decide on my career, I thought about ...
by cessna210
Mon Aug 02, 2010 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Age At First Home Purchase?
Replies: 66
Views: 9616

Re: Age At First Home Purchase?

I was 23. First mortgage was 16 1/2 % in 1982.
by cessna210
Fri Nov 20, 2009 10:54 pm
Forum: Personal Investments
Topic: Conservative allocation, managed funds
Replies: 13
Views: 3147

Based on your combined advice and my personal preferences, I've come up with the following allocation. VTSAX Total Stock- Adm. 25% VFWIX FTSE- All World ex-US 8% VWIAX Wellesley- Adm. 43% VBTLX Total Bond- Adm. 24% That gives me a 50/50 AA which I believe that I can tolerate, a mix of index and bala...