Search found 527 matches

by Tdubs
Mon Jun 17, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 18
Views: 969

Re: Help with car decision

Lived in NE and near high mountain passes out West. A Subaru is useful out West for deeper snow, but I don't see as much value in icy NE. I loved my Subaru, but I would drive the Honda into the ground first. No new loan.
by Tdubs
Mon Jun 17, 2019 12:15 pm
Forum: Investing - Theory, News & General
Topic: Indexes all up - Total Market down?
Replies: 5
Views: 501

Re: Indexes all up - Total Market down?

If you go to the Vanguard site, it shows it as down. Elsewhere, up. The difference is large. I don't think it is lagging updates. Google has VTI up at 0.28%. Vanguard has it down at -0.32%.
by Tdubs
Sun Jun 16, 2019 8:02 pm
Forum: Personal Investments
Topic: RE: Retirement Advice for a late starter
Replies: 7
Views: 697

Re: RE: Retirement Advice for a late starter

It looks to me that you have about $220,000 or so in the VG brokerage? You have quite a few funds scattered among your various accounts. Is there a tilt to the portfolio you'd like to achieve? Can you estimate what your current AA allocation is between stocks and bonds? You say you want an 85/15 sp...
by Tdubs
Sun Jun 16, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Has The Value Trade Become Overcrowded.
Replies: 51
Views: 3349

Re: Larry Swedroe: Has The Value Trade Become Overcrowded.

larryswedroe wrote:
Sun Jun 16, 2019 5:49 pm

BTW one other similarity --corporate debt covenants getting very loose, a very worrisome sign for corporate debt.
So what are you doing with this information, Larry?
by Tdubs
Sun Jun 16, 2019 5:27 pm
Forum: Personal Investments
Topic: RE: Retirement Advice for a late starter
Replies: 7
Views: 697

Re: RE: Retirement Advice for a late starter

It looks to me that you have about $220,000 or so in the VG brokerage? You have quite a few funds scattered among your various accounts. Is there a tilt to the portfolio you'd like to achieve? Can you estimate what your current AA allocation is between stocks and bonds? You say you want an 85/15 spl...
by Tdubs
Sun Jun 16, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 29
Views: 3184

Re: Should we retire in 4 years?

What will your ACA costs be? If you kept at it another 6 or 7 years, what would you save?

Do you have long-term care insurance? What would you do if one of you had a debilitating illness?
by Tdubs
Sun Jun 16, 2019 11:40 am
Forum: Personal Investments
Topic: First Post! Portfolio Review - 2019
Replies: 4
Views: 495

Re: First Post! Portfolio Review - 2019

I'd agree with Watty, you have good target date funds. Keep it simple. Given your long time horizon, why not put the $25k in an after tax account and put it in a tax efficient fund such as a total stock market fund? You could use the money to pay your loans, but none of your interest is large enough...
by Tdubs
Sun Jun 16, 2019 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Teaching a 4 Year old donating with quarters
Replies: 13
Views: 1143

Re: Teaching a 4 Year old donating with quarters

Something visual where he can see a real result immediately from the donation. Perhaps bring purchased food to a food bank?
by Tdubs
Sat Jun 15, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 100
Views: 6291

Re: Article on high deductible health plans - and the math

When my employer started offering an HDHP, I made some spreadsheets. I could not find a case where the HDHP was not the best choice. Light medical user, low premiums wins. Heavy medical user, low premiums combined with $5k max out of pocket wins. The HSA and employer contribution were icing on the ...
by Tdubs
Sat Jun 15, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 100
Views: 6291

Re: Article on high deductible health plans - and the math

When my employer started offering an HDHP, I made some spreadsheets. I could not find a case where the HDHP was not the best choice. Light medical user, low premiums wins. Heavy medical user, low premiums combined with $5k max out of pocket wins. The HSA and employer contribution were icing on the ...
by Tdubs
Sat Jun 15, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 100
Views: 6291

Re: Article on high deductible health plans - and the math

As long as the government pays a huge amount of my health care premium, there’s no way I’ll change. When my wife has such expensive drugs, and sees specialists all the time, there is no way we’d come out ahead with high deductible. When you know you will be using it all the time, consistently, high...
by Tdubs
Fri Jun 14, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 100
Views: 6291

Re: Article on high deductible health plans - and the math

I have a High Option Aetna Plan and use health services whenever needed without a second thought. I have High option dental and vision plans with Aetna as well and we use those regularly. I broke a shoulder last year, had a year of PT (at a location of my choosing) and a surgery—I didn’t notice the...
by Tdubs
Tue Jun 11, 2019 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Cash
Replies: 14
Views: 1909

Re: Personal Capital Cash

I like personal capital for their free serivce. I think I do actually have too much cash sitting in savings account getting .1% and have been indecisive about opening a HYSA away from my normal bank. Anyone think this is worth it, pros/cons vs Ally which seems to be the most recommended? Ally has a...
by Tdubs
Tue Jun 11, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3457

Re: Which shaving cream / oil?

Norelco.
by Tdubs
Tue Jun 11, 2019 9:25 pm
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 46
Views: 7178

Re: What financial information do you wish was more commonly known?

For the average household--ones that think hardly at all about investing--online banks would do them more good and are easier to grasp than anything else.
by Tdubs
Tue Jun 11, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Checking vs Capital One 360 Checking
Replies: 16
Views: 1432

Re: Ally Checking vs Capital One 360 Checking

If you have less than $50k or so, why not Redneck Bank?
by Tdubs
Sun Jun 09, 2019 9:41 am
Forum: Personal Investments
Topic: Quicken or Mint?
Replies: 9
Views: 714

Re: Quicken or Mint?

Bad time to ask me for a vote on Mint. I've found its interface with bank accounts to be really awful. It can take several attempts to make an update properly and one of my accounts, HSA Bank, it simply will not access, even though it works for me on Personal Capital. Mint has known about the proble...
by Tdubs
Sat Jun 08, 2019 12:39 pm
Forum: Personal Investments
Topic: 7% callable - Structured Investment/Note
Replies: 30
Views: 2422

Re: 7% callable - Structured Investment/Note

The reality is you can synthesize these things with option strategies *without* paying some huge margin to brokers. If you don't know who the mug is in the card game ... then you are the mug. And if it's too complicated to understand, it's too complicated to invest in. Not true, unless you can tell...
by Tdubs
Fri Jun 07, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 2729

Re: how to deal with people who are not living boglehead way of life

Mixed results. Solicited Advice Success: I have had one friend who followed my advice about opening a Roth, investing in TSM type funds, and I made her realize she was making a mistake on her taxes. This friend asked me for advice, first. Unsolicited Advice Success: My sister was making such a big m...
by Tdubs
Wed Jun 05, 2019 5:43 pm
Forum: Investing - Theory, News & General
Topic: How do you talk to investment advisors socially?
Replies: 31
Views: 2033

Re: How do you talk to investment advisors socially?

How about taking the initiative, "Really, I'm a financial advisor too!" Then hand him/her your card, "Bob Smith, Boglehead."
by Tdubs
Wed Jun 05, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8123

Re: Costco or Sam's Club?

I started with Price Club in the SF area till it merged with Costco. There was no Sam's Club to be had, and there wasn't till I recently moved to the East--still haven't walked into one. Of late, I've shifted away from Costco for anything cheaper at Aldi's or Walmart. If unit cost is my baseline, wh...
by Tdubs
Tue Jun 04, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8123

Re: Costco or Sam's Club?

KT785 wrote:
Tue Jun 04, 2019 1:22 pm
Agree with all the other posters re: the crowds, lines, etc. My wife cannot stand going in Costco because of the crowds, and more than that, how slow all the customers in the store meander around.

KT785
I'd switch for this reason alone. I hate meanderers.
by Tdubs
Mon Jun 03, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is Zelle functionality different between banks?
Replies: 13
Views: 1605

Re: Is Zelle functionality different between banks?

I've been using Zelle on Capital One 360 since it's been available. In fact, I was using its predecessor P2P function before Zelle was available. I've always received payments immediately with Zelle. Only recently have my recipients been telling me my Zelle payments to them have taken a couple of d...
by Tdubs
Mon Jun 03, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Is Zelle functionality different between banks?
Replies: 13
Views: 1605

Re: Is Zelle functionality different between banks?

How long have you been using Zelle on the Capitol One? I ask because I had a similar issue with Zelle on Ally. For the first month or so, Zelle payments were very slow, sometimes several business days, as per Ally policy. Once I got past 30 days, my transactions happened right away. I only use it fo...
by Tdubs
Sat Jun 01, 2019 7:17 pm
Forum: Personal Investments
Topic: Delay Social Security?
Replies: 35
Views: 3339

Re: Delay Social Security?

Wade Pfau and others have laid out the case pretty well for the value of SS and reasons for maximizing it. So the answer is, there aren't many good reasons to take it early, and those have already been covered by others. http://longevity.stanford.edu/2017/11/29/optimizing-retirement-income-by-integr...
by Tdubs
Sat Jun 01, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Resources for Federal Employees
Replies: 16
Views: 1117

Re: Resources for Federal Employees

This is an excellent tool for evaluating all the federal healthcare plans. Your agency needs to subscribe to it--usually accessible through Employee Express.

https://www.checkbook.org/
by Tdubs
Sat Jun 01, 2019 6:49 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9760

Re: How did you all do in the month of May, 2019

Lost about 3.5 percent in the merry, merry month of May.
by Tdubs
Fri May 31, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Tracking down a wasp nest
Replies: 20
Views: 1818

Re: Tracking down a wasp nest

There are also ground wasps. See if you can follow them. When one zips off, see if you can trail behind. They usually go straight back to the nest. When you find the nest, wait until it is dark--they go nowhere at night--to hit the nest with some pinpoint wasp spray. They won't come out while you s...
by Tdubs
Thu May 30, 2019 11:16 am
Forum: Personal Investments
Topic: Pros and cons of leaving funds at TIAA
Replies: 8
Views: 722

Re: Pros and cons of leaving funds at TIAA

Retired two years ago after 34 year career in higher ed. My 403(b) is with TIAA, with 60% in Traditional (taking interest only from it now) and 40% in variable. What are the pros and cons of leaving the variable money with TIAA versus moving it to an IRA. Would love to hear from anyone who has alre...
by Tdubs
Thu May 30, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2229

Re: For Sale by Owner or RE Agent???

FSBOd twice. Could not believe how easy it was and delighted at the money saved. But I think a lot depends on the state you live in. But you don't know how much more you would have gotten had you hired an agent. We all speculate which way is better but I sure would hire an experienced and aggressiv...
by Tdubs
Wed May 29, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1643

Re: How does TIAA-CREF work?

If you live near a TIAA local office you might want to schedule a visit and talk everything over in person. To see if they have a local office lear you... Go to the TIAA Website TIAA.org Scroll down the page until you see the yellow Contact Us on the left See "Find a local office directly underneat...
by Tdubs
Wed May 29, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1643

Re: How does TIAA-CREF work?

If you live near a TIAA local office you might want to schedule a visit and talk everything over in person. To see if they have a local office lear you... Go to the TIAA Website TIAA.org Scroll down the page until you see the yellow Contact Us on the left See "Find a local office directly underneat...
by Tdubs
Tue May 28, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14564

Re: Can we afford to pay for our kid's college (at all)?

Two years of CC is probably about $10k and usually guarantees a spot in the 4-year state system with an AA or AS in hand. Your kid may not like it, but the $30k will cover almost three years.
by Tdubs
Tue May 28, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2229

Re: For Sale by Owner or RE Agent???

FSBOd twice. Could not believe how easy it was and delighted at the money saved. But I think a lot depends on the state you live in.
by Tdubs
Tue May 28, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Putting off Social Security until 70
Replies: 106
Views: 14304

Re: Putting off Social Security until 70

Yes, he really does. He lives with us, and every month when the puny check drops in his checking account, he complains at dinner. "I thought I was going to die before 70!" He is smart enough to know that he made some less than optimal decisions in life. That's sad. I think most people are good at r...
by Tdubs
Tue May 28, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Putting off Social Security until 70
Replies: 106
Views: 14304

Re: Putting off Social Security until 70

My FIL took SS early because he didn't expect to live past 70. He celebrated his 90th birthday this month and regrets taking it early every day. Oops! Does he actually regret it? In my experience it's rare for anyone to regret their SS claiming choice - no matter if they took it early, late, or at ...
by Tdubs
Tue May 28, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Putting off Social Security until 70
Replies: 106
Views: 14304

Re: Putting off Social Security until 70

I may very well not make it to 70. Combine this with my belief that benefits will be reduced sooner rather than later and it makes it a no-brainer to take ss at 62. All of these numerical exercises are only exercises. Any number of assumption could turn out to be wrong in the end. My FIL took SS ea...
by Tdubs
Tue May 28, 2019 11:24 am
Forum: Personal Investments
Topic: Should I move my Vanguard Roth IRA to TIAA?
Replies: 16
Views: 1419

Re: Should I move my Vanguard Roth IRA to TIAA?

Simplicity is certainly helpful for heirs, but given the ERs at TIAA, I have always planned on moving everything in the opposite direction to Vanguard. Last year I moved half my TIAA 403(b) out to my federal retirement plan and own no equity funds in TIAA. What is left in TIAA is its traditional fun...
by Tdubs
Mon May 27, 2019 7:32 pm
Forum: Personal Investments
Topic: Optimizing Asset Allocation
Replies: 15
Views: 1469

Re: Optimizing Asset Allocation

When you plug his portfolio and yours into portfolio visualizer, what do you find?
by Tdubs
Mon May 27, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Tracking down a wasp nest
Replies: 20
Views: 1818

Re: Tracking down a wasp nest

There are also ground wasps. See if you can follow them. When one zips off, see if you can trail behind. They usually go straight back to the nest. When you find the nest, wait until it is dark--they go nowhere at night--to hit the nest with some pinpoint wasp spray. They won't come out while you sp...
by Tdubs
Sun May 26, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Worth it to upgrade 2nd car in 1.5 car household?
Replies: 22
Views: 1679

Re: Worth it to upgrade 2nd car in 1.5 car household?

From a dollar and cents perspective, I don't think any of the bullets on your list hold up. It really comes down to the two that have little to do with money--safety and your desire for a new car.
by Tdubs
Sat May 25, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: REITS no longer cheap
Replies: 5
Views: 1111

Re: REITS no longer cheap

Funny, I was going to post a question about REITs and TREA too. My TIAA 403(b) is closed, but I can buy TREA through a "backdoor," an after-tax retirement annuity.
by Tdubs
Sat May 25, 2019 7:17 am
Forum: Personal Investments
Topic: Longevity Risk Management
Replies: 5
Views: 639

Re: Longevity Risk Management

My first thought too like stlutz was bobcat2. I think the most basic and sound strategy commonly recommended here is simply planning on delaying taking one's social security until age 70. Of course there are additional things one may consider including SPIA's in the later years. Bulk up on guarante...
by Tdubs
Sat May 25, 2019 6:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8458

Re: Vanguard issues 10-year forecast for stock, bond market returns

From June 2009 https://personal.vanguard.com/pdf/icrecm.pdf Did they forecast 8-12% for both US and international equities? Seems off the mark? According to Portfolio Visualizer, Vanguard's June 2009 predictions were fairly close to actual returns. U.S. equities performed slightly ahead of the 8%-1...
by Tdubs
Fri May 24, 2019 12:07 pm
Forum: Personal Investments
Topic: Which way for savings account interest, and what to do?
Replies: 8
Views: 672

Re: Which way for savings account interest, and what to do?

Is it fair to conclude that my basic Ally savings account (and any other liquid online account) isn't going to hold up and pay around 2.2% much longer? Why would you say that? Because the 10 year yield is declining? I wouldn't make any assumptions using that as a gauge. Look at the alternatives - y...
by Tdubs
Fri May 24, 2019 11:44 am
Forum: Personal Investments
Topic: Fixed rate 403b vs bonds
Replies: 7
Views: 325

Re: Fixed rate 403b vs bonds

Is this a TIAA 403(b)?